| If you are expecting a tax refund this year, you | | | | If you do not already have an emergency fund set |
| might want to consider visiting your Human Resource | | | | up, now might be a good time to start one. You |
| or Payroll Department and adjusting your Form W-4. | | | | never know when an emergency or unexpected |
| By changing your W-4 withholdings so that you get | | | | expense may come up.Service your automobile. |
| more money each pay period and less of a refund | | | | With the high cost of fuel today, getting that oil |
| next year, you might get some extra money to use | | | | change or tune-up you have been putting off might |
| in your pocket. | | | | be a good idea. Always remember, a car that is |
| Here are some budgeting ideas to consider if you | | | | running properly will burn less fuel and save you more |
| are expecting a tax refund this year:Pay off part or | | | | money.All in all, no matter what size your tax refund |
| all of your credit card debt. | | | | is, you can make it go a long way by thinking before |
| You may not be able to pay off all of your debt, | | | | you spend.This Article is brought to you by American |
| but paying part of a high interest credit card bill can | | | | Consumer Credit Counseling. ACCC is a non-profit 501 |
| do wonders for your personal finances. Just think of | | | | (c)(3) organization that is dedicated to financially |
| the money you can save by not paying such high | | | | empowering consumers to regain control of the |
| interest!Invest in your future. | | | | quality of their lives through education, counseling and |
| Consider using your tax refund to make a | | | | debt management. For more information please visit |
| contribution to an Individual Retirement Account | | | | or call the Education Department at 800-769-3571 |
| (IRA.)Start a rainy day fund. | | | | Ext. 708. |