As you probably know, almost everyone with an income needs to file a tax return. You may be dreading tax time because you’re afraid that you owe money to the Internal Revenue Service (IRS) or the state. But, it’s just as likely that you’ll be getting a refund!
What does the word “budget” mean to you? Pinching your pennies or clenching your wallet? Now think about the words “spending plan.”
A “goal” is a purpose. It’s something to aim for. A goal can point you in the direction you want to take. A good place to start is thinking about what’s important to you. You can set goals for your health, your habits, your work, your education, or for your family. Once you know your goal, you can decide how to move forward.
