Here is a video of an old Saturday Night Live skit about buying stuff you can’t afford. With the availability of credit cards, many people buy things they could probably not otherwise afford.

Also, with cars, dealers advertise so much a month, but you need to be careful about not getting too many monthly payments.

Now with tax season coming many people are expecting tax refunds. What will you do with the extra money? If you have debt, you should consider putting at least part of it towards the debt. Many consider this “found” money, but actually it is your money that was taken out of your checks. It has been loaned to the government interest free.

If you usually receive a large refund, you may want to look into changing the number of dependents. By doing this you may receive more money in your paychecks instead of at the end of the year.

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Nancy Kvamme

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