I finished my tax return and expect about $1500 refund. I changed my withholding in an effort to get less of a refund next year. I haven't seen the difference yet, so I'll plan for it when I have the actual number for my new take home pay.

I would like to go on record and say this about the instructions for the Form 1040: "Seriously????" I normally do our taxes, but for some reason, I had trouble understanding the language this year. I mean, SERIOUSLY???? Maybe I'm just getting older and more cranky.

I have an idea of how to divide up the refund of $1500 for savings. Much of it (about $800) will sit in my Christmas shopping account. The rest I keep rearranging on paper - some to my Roth IRA, some to my Freedom account, some to my wealth account/car account, some to our house repair account. So many choices!! I'll figure something out. I'm determined to save the bulk of it, give away a little (to church and a homeless shelter) and spend a small amount for things around the house.

Next year, I probably won't know how to act if I don't get a refund. (Or worse, if I owe!) Like several folks I know, I think I'm addicted to getting a decent tax refund. It's a nice chunk of cash to decide what to do with. We'll see how disciplined I am about saving during the rest of this year to make good on getting a bigger paycheck rather than a bigger refund.

Anyhoo, happy saving everyone!!