How We Avoided A Smaller Tax Refund (And What We’re Doing With It)

Have you done your 2018 taxes yet?  Are you one of the unfortunate people who are seeing a smaller tax refund this year?  If you are, I hope that it won’t impact your finances in a negative way.  Thankfully, we were able to avoid a smaller tax refund this year.

tax refund checklist

How We Avoided A Smaller Tax Refund

When we got our tax forms back, we were happy to see that we’re getting a little more back than last year.  While many people think getting any sort of refund is bad thing, I actually welcome a refund.  We don’t count on the refund.  For us, it’s just nice to have money that isn’t a temptation to spend during the year.  The removal of that temptation is worth the small interest we’re foregoing.

So, how did we avoid a smaller refund? There were two main reasons.

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12 Easy Ways To Save Money

Everybody wants to save money, right?  Saving money gives you opportunity and financial security.  If you want a few ideas on how to get started, here are a few.

how to save money
Save your money!

Our Tips For Saving Money

Before we get started, let me just point out that these are things we do to save money.  They work for our household, but they may not be for everybody.  In any case, I hope they give you some ideas to get started.

Brew Coffee

I can’t tell you the last time I set foot in a coffee shop.  If we get gift cards for Starbucks, we usually sell them.  We either make our own individual cups or pots of coffee.  This saves us big time.

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7 Small Money Wins I’ve Had Recently

Saving money doesn’t have to be all about big events.  Sometimes a small money win is all you need to build some momentum.  I wanted to sit down and come up with a few money wins that we’ve had recently.

email save money
A quick e-mail can save money

Small Money Wins Add Up Big

The thing about little bits of savings is that they add up to bigger savings.  Sometimes people will watch you do something to save money, and ask why you bother.  After all, it might only save you a few bucks.  Is it really worth it?

Yes!  Totally worth it.

First, every dollar you save is a dollar in your pocket and not someone else’s.  I don’t care how small the savings, a dollar is a dollar!

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Should Married Couples Use Coupons On A Date Night?

A few years back, my wife and I were in a small group through church.  This was an interesting experience.  Our church is very large.  In order to gain a more personal experience, they encourage small group participation.  We haven’t done small groups in a while, but it was fun to look back.  I remember one discussion that took place revolving around dating.  Particularly, the importance of married couples to continue to go on dates.  Of course, this led to some lively discussion about whether it’s OK to use coupons on a date night.

What Is A Date?

One of the things we found interesting is that the definition of ‘a date’ was a bit elusive.  Most people think of a date as part of courtship.  But, once you’re married, the courting period is, well, past.  So, is going out with your spouse considered an actual date?

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When I Once Helped Somebody To Be Frugal

It’s always nice to help someone, right?  Helping people makes you feel good, and (hopefully) them as well.  Here in the finance world, helping someone to save money is always a goal.  This is a look back when I once helped somebody to be frugal.

A Simple Conversation

Where it started was a simple walk down the hall to a meeting.  On the way, the co-worker I was walking with said something that floored me.  It was simple but humbling when he told me that I inspired him to start bringing in his lunch.

We talked and I found out that he usually went out for lunch.  Making a lunch was something that he had never bothered to do.  So, when he got hungry, he went out. Or he would go to the cafeteria.  Maybe the vending machine.  In any case, he never brought in a lunch.

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9 Small Frugal Ideas That Add Up To Big Savings

If you want to be more frugal, join the club!  There are always ways to save money.  But, where to start?  Many people think that frugality involves cutting big costs.  While this can be the case, it’s not always necessary.  You can save money by taking on small actions.  Here are some small frugal ideas that can add up to big savings.

Don’t Wash Clothes If They Don’t Need To Be Washed

Many times people throw everything into the dirty clothes basket.  This doesn’t always have to be automatic.  Many shirts, pants, dresses, and jeans can be worn multiple times.  This will keep the clothes lasting longer.  Plus, you will save in reduced costs for laundry.

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