Over the years, I have done a many headshakes at friends who went out to the Big Box Store Tax Preparers and gotten an instant refund, or RAL Refund Anticipation Loan. Please people why give somone an extra $200 to give you your money faster? Most people regret the loan, because the money is gone so fast you didn’t put it to good use. My rule of thumb for one is to prepare my own taxes, but too take that 14 day, yep 14 days that it takes for my direct deposit to hit to plan out paying my rent for 6 months in advance, putting new tires on the car, and buying each kid one thing they want. BOOM
Let’s not give extra when we can use the money.