Do you expect a tax refund? What will you do with it?

It may not be a lot of money but a little can go a long way, especially if you have a plan!

How about splitting it between a couple of things? A little for you, some to savings and some to pay down debt? As well as increasing your bottom line by paying down a debt or putting some aside for the future there are additional benefits to these 2 strategies.

• Less money owing = less interest charged and debts paid off sooner = more cash to you.
• More money saved = more interest earned and if in a RSP = less tax paid in 2013.