Suggestions for your tax refund

Recently I have been taking a financial class on how to better be a steward of your money.  It is offered around the country via many different organizations.  It is a 10 week course and it requires you to read a book, do weekly homework and memorized weekly scriptures that are directly affecting your finances. 

The company is called Crown financial and you can find out more via . 

They have what is called a crown money map who has specific step of where you need to be in order to be heading on the road to being debt free (if that is your goal)  

So I got some ideas from the class and other areas that will help you decide of constructive way to apply your refund no matter how big or small. 

1. if you do not have one already create a $1000 emergency fund

OK, so this doesn't sound as appealing as a new flat-screen TV. But if you can knock out -- or knock down -- the balance of even one high-interest credit card, you're making money. Think of all the interest you won't be paying.  

Or, if you already have one, use your refund toward your annual contribution. Been putting this move off until you had "a little extra money?" Today's your lucky day.  amount "will compound nicely," says Chris Farrell, author of "Right on the Money."

I personally have a self directed ira.  View the following links 

Historically, stocks have produced nice returns, and even a few hundred dollars can get your nest egg off to a nice start.

"The biggest mistake people make is thinking (what they have) is too small an amount to invest," says Ric Edelman, author of "Ordinary People, Extraordinary Wealth." "Rich people start off as poor people. The difference is they take the nickels and dimes and they invest it -- they didn't spend it all at the mall," he says.

Also, I believe in making money with multiple streams of income. A little can get you started.  I have an account in ING Direct they are have a fabulous offer right now.

"The No. 1 thing people forget with cars is to maintain them," says Clor. If you've been putting off that oil change and tuneup because you just didn't have the money -- this is the time. And check the tires. Extra bonus: A  with properly inflated tires burns less gas and saves you money in the long run.  
 

5. My personal favorite: Invest in Real Estate. 

I am now offering a way to combine the advantages of a self directed IRA with of real estate investors like the professionals at RCI Group LLC, to allow you to earn tax-free/tax-deferred returns on your investments.  Don’t want to deal with bricks and mortar but looking for a good return? Go to my site.  

http://www.rcigroupllc.com/investors.html 

I can show how to make your money work for you.