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Tightwad Tuesday: Stopping the Tax Leak

Submitted by tired_gardener on Thu, 08/26/2010 - 07:18
in

Do you get money back at the end of the tax season? Do you get a lot back? Then you are paying too much during the year. You can change your W2 to show more dependents and they will take less of your money, so you have more for yourself. Some might ask, why? I like having that big chunk back all at once. Others might think that they will get fined or have to pay taxes. I am not a tax expert, but I have been following these guidelines for 10 years and have no problems.

Here is what you do. Walk into your HR office and tell them that you need to do a new W2. A W2 is the IRS form that you will out when you get a job that tells them how many dependents that you have. I put down seven last year and still ended up with a big chunk of change back at the end of tax season. Do whatever sounds best for you. If you are only getting a little back, don't push it too far. If you are getting a lot and only have one or two dependents listed, bring that up. There is not a magic number and what is perfect for you will vary from year to year.

If you like the big chunk all at once, there is not much argument for that, except that you are paying Uncle Sam to use your money during that time. Why not put what you would be paying in taxes into a interest baring account and let it sit there till after tax time. That way you will have the money in case you do have to pay some taxes AND you will be earning the interest instead of Uncle Sam. After you pay taxes, write yourself a check for that money that has been collecting interest in an account and use it however you think you should. I suggest paying down your credit cards.

As for being fined. The number of dependents you put on the W2 is totally up to you. Read the form. They will not get upset if it is not correct. However, do NOT use that same number when you do your taxes. Your taxes MUST have the correct information on them. The W2 is solely so that your employer knows how much money to take out of your paycheck and send to the IRS.

I don't want to pay taxes at the end of the season either. I don't want to pay taxes period. Income tax is like a pleasure of working here tax. I have to pay in order to work. It's not fair. But I have to pay it and so do you. If you don't the IRS will come after your and they WILL get their money in the end. Now, I can't guarantee that you will not end up paying taxes in the end, but if you are careful it should be fine. Like I said before, if you are only getting a little back, just knock your W2 dependents up a little. If you are getting $1000 back each year, push it up a few. I also suggest taking that extra and putting it into savings. This will allow you to build up a little savings (everyone should have three to six months expenses in the bank, just in case) and if you end up paying taxes, you don't have to scramble. Even if you do pay a little taxes, YOU were earning the interest on the money during the year, instead of the government.

Basically, don't go wild. Take it easy. If you bump up your W2 and you still pay taxes next year, bump it up some more. If you bumped it up too far, either say "oh well" and keep earning interest on the money before you pay or pull down the dependents. You don't have the money right now, right? You won't miss it if it goes into your savings account then, right? Don't raise your spending, raise your savings!


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