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Five Sound Advice Tips for Your Tax Refund
  • USA - English


News provided by

First National Bank And Trust Company

Mar 30, 2015, 11:00 ET

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Beloit, WI (PRWEB) March 30, 2015 -- Nearly eight out of 10 U.S. tax filers will receive a federal tax refund this year. As millions of Americans await reimbursement from Uncle Sam, First National Bank and Trust (FNBT) has highlighted five Sound Advice tips for making the most of their tax refund.

Smart use of your tax refund can start you on the path to long-term financial security. Before going on a spending spree, take a moment to evaluate your financial situation and decide where those dollars will make the most difference.

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“Smart use of your tax refund can start you on the path to long-term financial security,” said Theresa Wendhausen, branding and communications officer for FNBT. “Before going on a spending spree, take a moment to evaluate your financial situation and decide where those dollars will make the most difference.”

FNBT recommends the following Sound Advice for consumers looking to put their tax refund to good use:
• Save for emergencies. Open or add to a high-yield savings account that serves as an emergency fund. Ideally, it should hold about three-to-six months of living expenses in case of sudden financial hardships like losing your job or having to replace your car.
• Pay off debt. Pay down existing balances either by chipping away at loans with the highest interest rates or eliminating smaller debt first.
• Save for retirement. Open or increase contributions to a tax-deferred savings plan like a 401(k) or an IRA. Where can you get one? Your bank can help set up an IRA, while a 401(k) is employer-sponsored.
• Put it toward a down payment. The biggest challenge that most first-time home buyers face is coming up with enough money for a down payment. If you intend to buy a new home in the near future, putting your tax refund toward the down payment is a smart move.
• Invest in your current home. Use your refund to invest in home improvements that will pay you back in the long run by increasing the value of your home. This can include small, cost-effective upgrades like energy-efficient appliances that will pay off in both the short and long term. If you have more substantial renovations in mind, your bank can help with a home equity line of credit.

For more Sound Advice and resources on a variety of personal finance topics such as mortgages, credit cards, protecting your money and saving for college, visit http://www.bankatfirstnational.com/Resources/articles/sound-advice.html.

First National Bank and Trust Company is a family-owned, community bank headquartered in Beloit, Wisconsin. Chartered in 1882, First National Bank and Trust Company now serves more than 27,000 households in 9 communities and 12 locations in Southern Wisconsin and Northern Illinois with assets of approximately $820 million. Commitment to full service banking, investments, wealth management, mortgage lending, exceptional service, and Sound Advice has positioned First National Bank and Trust Company as a Stateline leader in the industry. For additional information, visit http://www.bankatfirstnational.com.

Theresa Wendhausen, First National Bank And Trust Company, http://www.bankatfirstnational.com, +1 (608) 313-8356, [email protected]

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