4 maneras inteligentes de gastar su reembolso de impuestos
¿Recibirá un reembolso de impuestos este año? Si bien puede ser tentador gastar impulsivamente, si realmente quieres darte un capricho, los profesionales financieros recomiendan usar el pago para gastos prácticos.
De acuerdo con los PROFESIONALES CERTIFICADOS EN PLANIFICACIÓN® FINANCIERA, aquí hay formas inteligentes de gastar su reembolso de impuestos que mejorarán su vida:
1. Cree un fondo de emergencia: Las circunstancias inesperadas, como una enfermedad o la pérdida del trabajo, pueden dejarlo con más facturas y menos ingresos. No tener un fondo de emergencia te pone en riesgo de tener que contraer deudas con intereses altos para cubrir los gastos. Use su reembolso de impuestos para crear algo de tranquilidad para usted y su familia. Y ahora que ha comenzado el fondo de emergencia, considere usar el depósito directo para canalizar una parte de cada cheque de pago a esta cuenta.
2. Reducir la deuda: Pagar la deuda puede parecer un desafío insuperable. Y si es un desafío que has estado evitando, puedes usar tu reembolso de impuestos para comenzar tu viaje. ¿No sabes por dónde empezar? Un profesional de CFP® puede ayudarlo a identificar qué deuda priorizar primero, así como a elaborar una estrategia de pago en el futuro.
3. Ahorre para la jubilación: No importa su edad o etapa de la vida, un reembolso de impuestos ofrece una gran oportunidad para darle un impulso a su cuenta de jubilación. Gracias a la capitalización, el dinero que ahorras hoy en una cuenta de inversión, como una 401(k) o una Roth IRA, crecerá exponencialmente entre ahora y cuando llegue el momento de recurrir a tus ahorros.
4. Establezca metas financieras: Desde planificar unas vacaciones o una boda hasta convertirse en propietario de una vivienda, vale la pena invertir en sus metas. Destina tu reembolso de impuestos a algo que te importe.
Lo mejor que puede hacer puede ser evitar futuros reembolsos. Si bien se siente muy bien recibir un cheque grande durante la temporada de impuestos, un reembolso de impuestos es efectivamente un préstamo sin intereses que ha hecho al gobierno. Es mucho mejor que guardes más de tu dinero durante todo el año para que puedas invertirlo o usarlo en cosas que necesites. Consulte a un profesional de CFP® sobre cómo ajustar sus retenciones para acercarse al punto de equilibrio el próximo año.
Para obtener más consejos sobre la temporada de impuestos y para encontrar a su profesional de CFP®, visite LetsMakeAPlan.org.
Con un plan de acción y la ayuda de un profesional financiero calificado, puede asegurarse de que su reembolso de impuestos se utilice bien. (StatePoint)
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