So, you have filed your income tax return with the IRS and your state, and are now waiting for the refund the government(s) owe you. You are thinking of all the things you can do with that money when you get it. Here are some things to think about as you wait:
3. When you get this refund back and blow it on some splurge purchase before it burns a hole in your pocket, you should realize if you were getting this money back on each paycheck, you would probably be earmarking the smaller amounts for some goal rather than buying a new iPhone. By automatically withdrawing the additional money from your checking and stashing it in some other account, you have a better chance of allowing it to accumulate without seeing dollar signs when you get that refund.
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