Financial Guidance

From savings accounts to credit cards, finances can get complicated. Simplify your life and your money with expert financial guidance for all your banking needs.

Get your finances in order and feel secure in your savings with these finance tips.

Financial Guidance-Promocodes.com

“Save, save, save!” At Promocodes.com, this is the mantra that we strongly believe in.

You should always make sure that you have enough saved up for a rainy day (aka an emergency fund.) It’s also important to save so that you can get closer to your goals (i.e. saving up for a mortgage, putting money aside for a lifetime trip, saving up to relocate, putting money into a [pension pot](https://www.promocodes.com/blog/what-to-know-starting-401k) or saving up for a car).

However, with the amount of [savings accounts](https://www.promocodes.com/coupons/tax-and-finance?ref=blog&ref_post=which-savings-account) available, and the different types that are out there, it’s hard to know the right one to choose that’s suitable for you, so we’ve compiled a [savings account guide](https://www.promocodes.com/coupons/finance-tools?ref=blog&ref_post=which-savings-account) that will help explain each type of savings account in a nutshell.
![piggy bank](https://cdn.discountcodes.com/blog/img/179/business-money-pink-coins%20%289%29.jpg)
## [Bank savings account](https://www.promocodes.com/blog/should-you-put-money-in-bank) 

Commonly, people save via a savings account run by the bank. A standard savings account can be set up at your local bank and it’s pretty easy to do. Most bank's savings accounts require a small deposit (e.g. $1) to set up and to get started, so you don’t need a lot of money to start saving. Setting up a bank savings account is also almost instant, as you can apply via online banking and pay the initial deposit. There are different types of savings accounts that banks offer (such as regular savers and ISAs). Depending on the savings account you opt-in for, you may be allowed a certain amount of withdrawals (or none at all) and you are unlikely to incur bank charges and fees.

Different types of bank accounts include student savings, child savers, 401k management accounts and health savings.
![coin bucket](https://cdn.discountcodes.com/blog/img/178/pexels-photo-259165%20%283%29.jpeg)
## Credit union savings account

A credit union is a financial not-for-profit organization and it’s a good financial option for those who want to borrow and save money at low-interest rates. Credit unions are usually aimed at those who require advice on financial management and they are usually set up in areas where income is typically low or where there’s a lack of awareness in handling money, but usually, anyone can set up an account with the credit union regardless of their income or financial circumstances, including a savings account.

A credit union savings account is easy to set up as long as you follow specific stipulations. For example, a credit union may require you to be residing, working or studying in the area in order to be eligible. A credit union savings account will normally require a low deposit (e.g. $1).

As credit unions work as a co-operative, setting up a savings account with one means that you are part of a community organization. In effect, you’re a member, not simply a customer.
![wallet](https://cdn.discountcodes.com/blog/img/177/credit-squeeze-taxation-purse-tax-46242%20%283%29.jpeg)
## Certificate of Deposits (CDs)

As defined by The Balance, a certificate of deposit “is an agreement to deposit money for a fixed period with a bank that will pay you interest.” Normally, you won’t be charged monthly fees for a CD and unlike some bank accounts, you cannot withdraw money from a CD for a certain period of time. The main benefit of CDs is that your savings increase regardless of the condition of the market because the money you deposit into a CD grows because of interest. Combine that fact with the stipulation that you cannot take your money out during a set period of time, you can be sure to save up to major financial goals in the long-term with a CD, and they are FDIC insured so your savings are protected.

## Saving apps

Want to save and monitor your funds on the go? Then you can save money using savings apps. Savings apps help you to set a financial goal and a deadline, and they will send regular prompts to remind you to put money aside so that you can reach your goals and be held accountable.



What Kind Of Savings Account Should You Open?

Starting up a savings account is a no-brainer, but choosing the right place to put your money is a harder decision. From banks to credit unions, deciding which savings option is best for you is difficult. Use this guide to decide which savings account is best for you  

If saving for retirement confuses you, stresses you out, and makes you question your existential purpose, you’re in good company. Any kind of saving is hard, but stockpiling money for a time in your life when:

- you probably won’t be working (if dreams actually do come true)…
- Social Security will be devoured by the Boomers…
- you can’t predict your health situation…
- suddenly all your moocher relatives hit you up for cash…
- the economy is always at risk for taking a downturn…

kind of seems almost impossible. How do you determine how much to contribute, what funds to invest in, and which financial advisor to trust? We hear ya. And we want to help. Non-mathematicians unite!

![guy with handful of money](https://cdn.discountcodes.com/blog/img/169/pexels-photo-545065%20%284%29.jpeg)

[blooom]( http://blooom.pxf.io/c/10563/384991/5592?subId1=(sma-cid)&u=www.blooom.com%2Fabout%2F) is a 401k management firm ahead of the curve when it comes to smart and sensible saving. Founded by three friends (Randy AufDerHeide, Kevin Conard, and Chris Costello) with backgrounds in financial investing (for fancy people) and technology (for people who think they’re fancy), this endeavor was designed to be sophisticated because of its simplicity. These entrepreneurs wanted 401k investing to be affordable and simply understandable for everyone, so they created a [modern app]( https://blooom.pxf.io/c/10563/384991/5592?subId1=(sma-cid)&u=https%3A%2F%2Fwww.blooom.com%2F) for our modern lives. Their goal is to help hard-working people save more efficiently without breaking the bank on life’s present expenses.

So your interest on 401k interest is piqued…is it not? blooom will do a free—yes, FREE!—analysis of your current nest egg, eliminating some of the complicated fluff that makes us dread the whole investing thing in the first place. They can also give advice on things like hidden fees, rebalancing your funds, and possibly even fashion (but don’t quote us on that). Here are some facts and stats from their site to get you better acquainted:

![pulling money from wallet](https://cdn.discountcodes.com/blog/img/170/pexels-photo-929285%20%281%29.jpeg) 

If blooom sounds like your new best buds, read on, investor! Read on! They’ve simplified your decision-making process with 5 easy questions for you to ponder. Check them out [here]( http://blooom.pxf.io/c/10563/384991/5592?subId1=(sma-cid)&u=https%3A%2F%2Fwww.blooom.com%2Flearn%2Fwhy-blooom%2F)

Still not sure what a 401k is...exactly? It can perplex even the savviest savers among us! That’s why the blooom experts, Randy, Kevin, and Chris, can do all the math-y thinking while you do all the fun retirement-planning. Because when you feel financially secure, you can feel good dreaming of a happy, peace-filled future.

So, you’re lovin’ the [blooom]( https://www.promocodes.com/blooom-coupons?ref=blog&ref_post=what-to-know-starting-401k), you can’t get enough of Randy, Kevin, and Chris, and suddenly you feel like your life won’t end in financial ruin…see how the more you know, the more you grow? This works for retirement accounts, too!

So, you’re probably asking, “What’s this gonna cost me?” blooom is a truly economical service. For simple 401k monitoring and management, it’s only $10 month. Yes! That’s like 33 cents a day, if our math is correct. And it may not be. So, seriously, you may want to call Randy, Kevin, and Chris STAT. If you are sold, sign up with this exclusive [blooom promo code]( https://www.promocodes.com/blooom-coupons?c=449312&ref=blog&ref_post=what-to-know-starting-401k) and get one month FREE! Here’s more info on what they provide with the monthly fee after your free month.

It’s never too early (or late) to save. Seriously! Ignore the naysayers or nay-savers! Consider a company like blooom, even starting off with their free analysis. Then, sit back, relax, and let all your hard work pay off.

*This post may contain affiliate links or links from our sponsors*

What You Should Know About Starting a 401K

It is never too early or too late to start a 401k but better start now than later. The Blooom app makes it easier than ever to start planning for your financial future. Here is what you need to know when starting a 401k. 

For a lot of us, banking online has become a fact of our financial lives, but ask yourself this: what do you really know about banking online? Plus, are there alternative ways to online banking? With the emergence of cryptocurrencies, is it still worth putting your money in the bank? Here at Promocodes.com, we’ll explain the true facts and debunk the myths.
![money in a case](https://cdn.discountcodes.com/blog/img/79/pexels-photo-259027.jpeg)
## Is it safe to put money in the bank?
Most of us have bank accounts and depositing money into a checking account has become a way of life for most of us. However, did you know that when you put money into the bank, the bank technically owns it? Of course, your money is your money but when you put it into a bank account, the bank owns it because it’s holding it for you. This means that if your bank were to go bust, you’d lose your money (technically). However, most US banks are members of the Federal Deposit Insurance Corporation (FDIC), meaning that your money is protected and if a bank fails and can’t refund you your money, the government will step in.

Putting your money in the bank is still a better option and there are a number of benefits that come with that. As well as keeping your cash insured and protected, the bank protects your money from physical theft and damage, and if you bank online, measures are put in place to protect your money from fraudsters.
![girl banking on the computer](https://cdn.discountcodes.com/blog/img/78/pexels-photo-919436%20%283%29.jpeg)
## Online banking: what’s the deal?
Online banking is a method of banking that’s become very popular as a result of the rise of the internet and the digital world. Online banking is highly beneficial because it makes managing and [monitoring your finances](https://www.promocodes.com/coupons/finance-tools?ref=blog&ref_post=should-you-put-money-in-bank) much easier. Plus, it’s convenient: you can bank at the touch of a button and you don’t have to spend time at the time.

While online banking is common these days, there are a lot of myths that surround it.

### Online banking is only for the younger generation.
This assumption comes from the notion that younger people are more likely to be in tune with the advancement of digital media, so they are more likely to use online banking in comparison to their older counterparts, but older consumers are just as likely to use online banking. Online banking is a simple and easy process and many online banking services have been designed to take the complexities out of banking.

### Online banking is secondary.
For many people, online banking is their first port of call, in comparison to going into the local bank branch. Online banking is convenient as it’s available 24/7 and can be done from your desktop.
![girl doing business at desk on the phone](https://cdn.discountcodes.com/blog/img/77/pexels-photo-1043506.jpeg)
### Customers are less likely to go to the bank because of online banking.
Of course, as previously stated, online banking is convenient so you don’t have to leave your house to the bank. However, for specific services, it still helps to visit your local bank branch. For example, you may need to see your bank manager if you want to be considered for a mortgage, or you may want to withdraw cash.

### Online banking is unsafe
Banks have many measures in place to protect your finances and [protect your personal data](https://www.promocodes.com/lifelock-coupons?ref=blog&ref_post=should-you-put-money-in-bank), such as multiple steps of verification and encryption.

### Customer service is non-existent with online banking
Even if you are banking online, many banks have available customer service teams that will help deal with your online banking inquiries.

## What is cryptocurrency?
Cryptocurrency has become a new form of banking and currency. To put it simply, it’s a digital currency and decentralized financial system that operates independently of a bank and consists of encrypted units and transactions. Cryptocurrency helps to make financial transactions a lot more secure as it’s encrypted.

Since last year, the value of cryptocurrency has significantly increased, so it’s a hot topic right now, but a lot of people still struggle to get their heads around it, the truths and the myths.
![stock board](https://cdn.discountcodes.com/blog/img/80/pexels-photo-534216%20%281%29.jpeg)
### Debunking the myths of cryptocurrency
First of all, there is a common misconception that you don’t have to [pay taxes](https://www.promocodes.com/turbotax-coupons?ref=blog&ref_post=should-you-put-money-in-bank) on investments into cryptocurrency. IRS views cryptocurrency as property so if you make money on your investments, you must disclose it because it counts as eligible for [capital gains tax](https://en.wikipedia.org/wiki/Capital_gains_tax).

Some people believe that cryptocurrency is unregulated, however, this is not true because cryptocurrency is subjected to federal securities law. Plus, cryptocurrency offers protection over your financial transactions.

Some also believe that cryptocurrencies have no value. While the value of cryptocurrencies do fluctuate from time to time, but cryptocurrencies have the same value as money and are valuable digital assets.


Should I Put Money In The Bank?

With the upward trends in technology and finance, do you find yourself questioning whether you should even use the bank? Between online banking and cryptocurrency Promocodes.com discusses the myths behind banking.

<p>A <a href ="https://www.promocodes.com/coupons/tax-prep-services?ref=blog&ref_post=everything-to-know-about-tax-audits"> tax audit </a> occurs when the Internal Revenue Service (IRS) wants to verify the accuracy of your income and deductions. Oftentimes, the mere thought of a tax audit is enough to make a person's heart race. Yet those who understand the ins and outs of tax audits can prepare accordingly.</p>
<p>Now, let's take a look at five key questions about tax audits.</p>
<h2>1.&nbsp;<strong>Are you likely to be audited by the IRS?</strong></h2>
<p>Recent data indicates those who report no annual gross income (AGI) have about a 5% chance of being audited. Comparatively, taxpayers who earn an AGI of $10 million or more face about a 16% of a tax audit. And for those who earn between $1 and 199,999 annually, the odds of being audited are less than 1%.</p>
<h2>2.&nbsp;<strong>How will you find out if you're being audited?</strong></h2>
<p>The IRS sends a notice via mail to inform a taxpayer if he or she is being audited. If you receive this notice, you'll have about 30 days to respond. And if you fail to respond, you could face an immediate investigation and penalties.</p>
<h2><strong>3. What types of documents will you need to provide to the IRS during a tax audit?</strong></h2>
<p>The answer to this question varies. The IRS will inform a taxpayer about any information it requires, and you should provide the IRS only with the information it requests. Because if you go above and beyond the call of duty to provide additional information, the IRS could broaden the scope of its tax audit.</p>
<h2><strong>4.&nbsp;</strong><strong>How long will a tax audit last?</strong></h2>
<p>Generally, a tax audit will take at least one full day to complete. It is important to note, however, that the total amount of time required for a tax audit depends on the complexity of the audit and the organization of your financial records. Thus, if you strive to comply with all IRS requests and provide the IRS with immediate access to any required information, you may be able to speed up your tax audit.</p>
<h2><strong>5. Is there anything that you can do to stop a tax audit?</strong></h2>
<p>There is no solution to prevent a tax audit. Fortunately, there are several things that you can do to reduce your risk of being audited. These include:</p>
<ul>
<li><strong>Double-check your tax return. </strong>When it comes to filing your tax return, it is always better to err on the side of caution. Therefore, you should double-check any information you add to your tax return to ensure it is accurate.</li>
<li><strong>Use realistic deductions.</strong> The last thing a taxpayer wants to do is raise red flags with the IRS. If you decide to include deductions on your tax return, use common sense. And if you're unsure whether an expense qualifies as a deduction, consult with a tax professional to find out.</li>
<li><strong>File your tax return online.</strong> Online tax filing programs frequently help taxpayers avoid errors. As a result, filing your taxes online may enable you to minimize the risk of a tax audit.</li>
</ul>
<p>Ultimately, there is no telling when you may be audited. But if you keep accurate tax records and follow the IRS's instructions, you'll be able to handle a tax audit with ease.</p>

Everything You Need to Know About Tax Audits, Just in Case

Worried a tax audit is coming your way? Here is what you need to know to prepare for your tax audit and what you should know when it comes

prepare for tax audit, getting audited for taxes, when you get audited

<p>There are a myriad of store credit cards competing for your attention, but the question is: which ones are really worth it? When choosing your store credit cards, keep in mind that the true test of whether they&rsquo;re worth it is to ask yourself how often you shop there. The general rule is, if you are doing a large chunk of your purchases through a retailer, the perks of that retailer&rsquo;s credit card are going to carry a much greater value for you.</p>
<p>That being said, check out our handy guide and start saving more while you shop.</p>
<p style="text-align: center;"><img src="https://cdn.promocodes.com/img/upload/14935876701_433a37d972_b.jpg" alt="" width="562" height="329" /></p>
<h2><strong>The Target Red Card</strong></h2>
<p>If you tend to do most of your everyday shopping (clothing, food, home stuff) at Target, then you&rsquo;ll want to check out the <a href="https://www.target.com/redcard/about" target="_blank">Target Red Card</a>. You&rsquo;ll be saving on your purchases upfront; 5% off every day to be exact. If you&rsquo;re doing regular shopping at Target, the Red Card could easily save you hundreds on an annual basis. Cardmembers also enjoy free shipping and are granted extended periods of time for returns.</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/27443174192_885278e512_b.jpg" alt="" width="594" height="312" /></p>
<h2><strong>Amazon Prime Visa</strong></h2>
<p>If you are already an active Amazon Prime member (which carries with it a $99 annual fee), then <a href="https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature/dp/BT00LN946S" target="_blank">the Amazon Prime Visa</a> is for you. The perks are robust, and the savings are real.</p>
<p>As a card member, you&rsquo;ll enjoy rewards like free shipping as well as 5% cash back on Amazon purchases. Again, if you already shop regularly on Amazon, these rewards can really add up quickly.&nbsp; The rewards are not just limited to Amazon; you&rsquo;ll also receive 2% cash back at restaurants, drugstores, and gas stations, as well as 1% cash back on all other purchases. And, there&rsquo;s no annual fee.</p>
<p>If you&rsquo;re already a Prime member, you&rsquo;d be smart to hop on this card, and start raking in those savings!</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/600px-Gap_logo.svg.png" alt="" width="458" height="458" /></p>
<h2><strong>For Your Wardrobe: The Gap Inc. Visa Card</strong></h2>
<p>One of the perks of <a href="https://www.gap.com/customerService/info.do?cid=44651" target="_blank">this card</a> is that it carries with its rewards for not just the Gap and Gap Factory Outlets, but other Gap-owned properties as well (Athleta, Old Navy, and Banana Republic). When you shop at the Gap and Gap Factory Outlets, you&rsquo;ll earn 5 points for every dollar you spend, and at other Gap-owned retailers, you&rsquo;ll earn one point for every dollar spent. And, every time you do, you&rsquo;ll also save 10% - every time. There&rsquo;s no annual fee, and since this card is also a Visa, you&rsquo;ll be eligible to earn additional rewards anywhere. No receipt? No problem! Cardmembers have the ease of returning items without receipts.</p>
<p>This card does come with a hefty interest rate, so you&rsquo;ll need to factor that in when making your decision whether to sign up. But, as long as you pay down your balance in full and on time, your savings will be significant.</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/15247178220_d56b65c67d_b.jpg" alt="" width="526" height="253" /></p>
<h2><strong>Bulk and Wholesale Shoppers: The Costco Visa</strong></h2>
<p>If you&rsquo;re already a member and frequent shopper at Costco, you&rsquo;ll want to check out the <a href="https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card" target="_blank">Costco Visa</a>. The cash back rewards are definitely an incentive, which includes up to $7k annually and gas purchases. And you&rsquo;re not limited to Costco, where you&rsquo;ll earn 2% cash back on your purchases. You can also rack up 3% cash back on restaurants and travel, and 1% cash back on all other purchases. Plus, it&rsquo;s a Visa, so you can use it virtually anywhere.</p>
<p>&nbsp;</p>
<p>Keep in mind that with most store credit cards, the interest rates are high. So be sure to pay your balance in full and on time, so that you can really maximize your savings. Happy Shopping (and Saving)!</p>
<p>&nbsp;</p>

Are they Worth it: Store Credit Cards To Sign up For

plenty of stores ask you to sign up for a credit card to save, but which ones are actually worth the process of adding another credit card to the mix? 

store credit cards, credit cards that are worth it, store credit cards worth it

<p><a href="https://www.promocodes.com/coupons/finance-tools?ref=blog&ref_post=building-your-nest-egg" target="_blank">Saving money </a>isn&rsquo;t easy. Whether it&rsquo;s juggling monthly expenses, covering unexpected setbacks, or giving in to our shopping temptations, we all struggle with finding that happy money medium. If you feel like your savings account could be a bit more robust, and you&rsquo;re still playing catch-up, you&rsquo;re not alone. Most of us need to squirrel away more of our paychecks into our emergency savings or retirement funds. And we can&mdash;no matter how many times we turn 29! With a little more focus, a lot of patience, and a fresh perspective on spending habits, financial victory will be ours!</p>
<p>Here are some tips!</p>
<h2><strong>An Emergency Savings Account Is Your Friend</strong></h2>
<p>So you&rsquo;ve been working a good amount of years, and your emergency savings account has A) 56 cents in it. B) Been moonlighting as your shoe fund. C) Never Existed.</p>
<p>Listen, we don&rsquo;t judge.</p>
<p>Whatever the reasons, excuses, occasional blunders, or fashion addictions you&rsquo;ve had in the past, forget &lsquo;em. Today&rsquo;s a new day! Today&rsquo;s the day you SAVE!</p>
<p>Open an account or just start putting some extra cash in one that&rsquo;s been floundering for a few <span style="text-decoration: line-through;">many</span> years now.</p>
<p>Here&rsquo;s how to do it:</p>
<ul>
<li>Invest your emergency savings into an account with no fees and decent interest. American Express and Discover both offer online accounts with respectable interest percentages in comparison to some local banks. Higher interest means more savings! (And, for Pete&rsquo;s sake, don&rsquo;t get this concept confused with your credit card, y&rsquo;all.)</li>
<li>Have your place of employment automatically transfer part of your paycheck into your savings. (What you don&rsquo;t know you&rsquo;re NOT spending on monthly handbags won&rsquo;t hurt you.)</li>
<li>If your employer is bad at math, set it up online through your bank with an automatic transfer set for a day or two after you get paid. It&rsquo;s like magic, really!</li>
<li>Reevaluate your monthly bills. Do you need cable? Are those sugary coffees adding up? Could your dog survive with fewer tutus? Get serious and trim that financial fat.</li>
<li>Sell stuff! This is easier than you think. We know you&rsquo;ve got cute clothes lying around you&rsquo;re never going to wear again. Here are some other ideas:
<ul>
<li>Furniture you no longer need. This includes home d&eacute;cor!</li>
<li>Books, CDs, movies, and cassettes. Yeah, some of us are REAL old.</li>
<li>Electronics</li>
<li>Jewelry from your ex. No dull sparkle for you!</li>
<li>Your brother. (Kidding.) (You won't get much for this one.) (Kidding, again!)</li>
</ul>
</li>
<li>Get your side hustle on! Yeah, you know you&rsquo;re a genius. Put your prowess to work with freelance jobs, a cute Etsy shop, a blog, or a part-time gig like a tutor or musician.</li>
</ul>
<p>Once you make some extra income, go to your nearest savings account (preferably yours) and deposit it immediately! No ifs, ands, or but-I really-need-that-plane-ticket-to-Thailand! Nope!</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-908288.jpeg" alt="" width="640" height="418" /></p>
<h2><strong>Your 401K Might Be Your BFF. Just Sayin&rsquo;.</strong></h2>
<p>One day, you won&rsquo;t want to work ever again. (Note, this is NOT today, 42-somethings.) Or maybe you&rsquo;ll want to work on a fun job, like a novel or art show or be a foster pet parent. To do these fabulous things and more, you&rsquo;ll need a retirement account.</p>
<p>Okay, so we all know that the earlier we save, the better off we&rsquo;ll probably be. But since you&rsquo;re all high-style, maybe you haven&rsquo;t saved so much. Start NOW. If your company offers a 401K match, contribute the maximum now to get the biggest reward. And while you may not be a spring chicken savings-wise, you&rsquo;re going to be fine because you&rsquo;re smart, nice, and determined. If you can, contribute more than the typical recommended 5%. Work your way up to 10% as soon as possible. How do you do this?</p>
<ul>
<li>Get a merit increase every year? What about a bonus? Longing to be promoted soon? Anytime your salary goes up, add another percent to your retirement fund. Make sure you&rsquo;ve got this set up as an automatic transfer into your account.</li>
<li>Does your employer have a health rewards plan? Make sure you take full advantage of this program. You can use it to offset medical and dental bills or get an extra cash reward you can&mdash;you guessed it&mdash;SAVE!</li>
<li>Tell your trust fund friends to take a hike when they ask you to splurge on a spontaneous getaway, expensive dinner, or baby gift for a faux friend. You don&rsquo;t have time for that!</li>
</ul>
<p>What if your employer is a cheapie or you&rsquo;re self-employed and there&rsquo;s no corporate 401K? Get a financial advisor from a trusted company to set one up for you. You can do a traditional IRA or Roth IRA, for starters. A responsible advisor will direct you to the right choice for your life stage.</p>
<h2><strong>Then There&rsquo;s You: Your Best Advocate</strong></h2>
<p>Saving your money is very important but saving it the way that works for your lifestyle is also something to consider. Be frugal and believe in yourself, and seeing that money grow will become addictive. It may even be your new hobby!</p>
<p>Keep reading this blog for more tips and tricks, too. We want you to have a happy life, a brilliant future, and all that your heart desires (within reason, fancy people!).</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p>&nbsp;</p>

It’s Never Too Late To Save: Building Your Nest Egg When You’re Not 20-Something

It is never too late to start saving money for the future. If you are no longer in your 20's but want to start thinking wisely about saving money for a rainy day, follow these tips

saving money late in life, starting to save money, money saving tips, never too late to save

<p>Getting that first paycheck is an awesome feeling. Not only did you land the job, but you&rsquo;ve earned your keep. So how do you actually keep some of that money and not spend every last penny? We can help!</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/calculator-calculation-insurance-finance-53621 (1).jpeg" alt="" width="640" height="377" /></p>
<h2><strong>Paycheck Priority #1&nbsp;Inventory Your Expenses</strong></h2>
<p>If you haven&rsquo;t planned out your monthly expenses, start right here. (New hires, this is called a BUDGET.) You can find free printable bill charts online that&rsquo;ll help you track what you consistently spend every month. If you&rsquo;re old-school, this is a great way to strategize by just writing it all out. For the fancy-pants out there, many digital programs are available. Some spreadsheet types even go for an Excel doc. Whatever floats your banking boat!</p>
<p>Once you&rsquo;ve sorted out your recurrent expenses, like rent, car payments, insurance, utilities, and any other boring bills, like student loans, take on your more fluid costs. What do you spend every month on gas, subway passes, or rides from Lyft? How about groceries, restaurants, and bars? Add in a cushion for some of these inevitable necessities and splurges.</p>
<p>Now, pay those set-in-stone bills! Make sure you send your money on time to keep your credit incredible. If you haven&rsquo;t yet, set up your bills on automatic payment. That way, you&rsquo;ll never be late. Punctuality! It&rsquo;s impressive!</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/money-card-business-credit-card-50987 (7).jpeg" alt="" width="640" height="426" /></p>
<h2><strong>Paycheck Priority #2 Credit Card Payments</strong></h2>
<p>So you&rsquo;ve paid your bills, set aside some cash for those everyday necessities, and wait a minute, that credit card bill is nagging at you. We know credit card debt is tough, but we also want you to know you can conquer it. You can! You&rsquo;re a superstar!</p>
<p>Make sure you definitely pay the minimum amount due, but shoot for the highest payment you can afford. You&rsquo;ll pay less interest and pay it off sooner&hellip;which leads us to the next step!</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/money-gold-coins-finance.jpg" alt="" width="640" height="423" /></p>
<h2><strong>Paycheck Priority #3 Actually Save Some Money</strong></h2>
<p>Now for the fun part! No, this isn&rsquo;t an all-you-can-shop buffet or a trip to your 17 favorite countries. This is a chance to SAVE. For those who find this to be a foreign concept, it starts with putting aside a little money for a rainy day. No, not a rainy day where you go and sit at a coffeehouse for hours. But an unexpected car repair or health condition or last-minute flight home for a family funeral. Not happy stuff to think about, but it&rsquo;s life stuff, and it&rsquo;s good to be prepared.</p>
<p>Put a little money every month into a savings account, additionally into a 401K, if you have the extra cash. Even starting with $5-$15 a month will add up. Build up the emergency savings and retirement fund, and you&rsquo;ll be patting yourself on the back later.</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-277431 (1).jpeg" alt="" width="640" height="426" /></p>
<h2><strong>Paycheck Priority #4 Special Purchases</strong></h2>
<p>Here&rsquo;s the play-money part. We have your attention now, don&rsquo;t we? If you&rsquo;re thinking we&rsquo;re crazy for thinking you&rsquo;ll have any money at this point, well, you may be right. It takes a while to build up to where we want to be financially, so if you&rsquo;re strapped for cash, hold tight for now. BUT, don&rsquo;t forget your dreams! Also, believe in unicorns, if you have to. We do!</p>
<p>How about using this extra bit of income to save for that special thing you&rsquo;re dreaming of? Your first new car, a pretty sofa, that trip-of-a-lifetime. More saving, you say? Yes. More saving = more happiness!</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-433495.jpeg" alt="" width="640" height="426" /></p>
<h2><strong>Paycheck Priority #5 Charity</strong></h2>
<p>Oh, and before we forget, this might be the place to show your compassionate side. Giving back to those in need is good for the soul, and it doesn&rsquo;t have to be much. Do what you can afford, and give to an organization that speaks to your heart. Many people pair this step with their necessary bills. Do what works for you. And if you can&rsquo;t manage to donate at your income level, there are always volunteering opportunities, activism events, and being a good human, in general.</p>
<p>We want you to be successful money managers, and while this is a basic guide to follow, we know you know best when it comes to your personal finances. Make a plan that works for you, trust your instincts, and keep working hard. Before you know it, you&rsquo;ll be running the company! Trust us, we&rsquo;re pretty good at predictions.</p>
<p>&nbsp;</p>
<p>Here&rsquo;s to your first paycheck&hellip;and here&rsquo;s to many more!</p>
<p>&nbsp;</p>

Congrats On Your First Paycheck! Here’s How to Spend It Wisely

Just got your first paycheck and want to hit the mall? Before you go on a shopping spree get some advice on how to spend your first paycheck wisely

how to spend first paycheck, first paycheck, what to do with first paycheck

<p>According to the Federal Reserve&rsquo;s latest numbers, the average American household has <a href="https://www.usatoday.com/story/money/personalfinance/2017/11/18/a-foolish-take-heres-how-much-debt-the-average-us-household-owes/107651700/">over $135,000</a> in debt. This suggests that many people are living beyond their means, putting themselves in the red. Fortunately, there are financial habits that we can teach our children now to prevent them from getting into a tough spot financially. Here are 5 lessons that we at Promocodes.com would teach our children to help them become more financially savvy:&nbsp;</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-929288.jpeg" alt="" width="640" height="426" /></p>
<h2>Make and Follow a Budget</h2>
<p>Planning is key to help teach children to live within their means. They need to know what their means are and where their money is going every month.</p>
<p>To do this, teach them how to create a budget. They should know how much money they have coming in every month and from where. Then, help them make a list of all their expected expenditures with how much each will cost them. If they end up spending more than they&rsquo;re bringing in, it&rsquo;s time to review the budget and make some changes.</p>
<p>If your children are too young to make a budget, they can learn this principle by helping you balance the spreadsheets. Let them see the budget and discuss expenditures as a family, so children understand that it&rsquo;s important to focus on buying needs over wants and living within their means. &nbsp;</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-811103 (1).jpeg" alt="" width="640" height="426" /></p>
<h2>Track Your Spending</h2>
<p>After making a budget, it&rsquo;s important to track spending. Have your children record every cent spent and where it went. There are several <a href="https://www.tomsguide.com/best-picks/best-budgeting-apps" target="_blank">apps that can help track spending</a>, or help them set up a simple <a href="https://www.businessinsider.com/spreadsheet-to-track-spending-2017-1" target="_blank">Excel spreadsheet</a>. Remind your children to keep receipts until they get a chance to record how much they spent and on what. Before children start earning money, let them help you use your app to track money. Make sure to discuss why you use the app and how it helps you to financially.</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-462368 (3).jpeg" alt="" width="640" height="480" /></p>
<h2>Be Wary of Credit Cards</h2>
<p>Many financial experts will tell you to refrain from opening credit cards at all. Credit cards allow people to buy now and pay later; however, a better financial habit to teach your children is to save until they&rsquo;re ready to make the purchase. Remember that cash is king! Teach them that they&rsquo;ll be better off making purchases with cash.</p>
<p>If they decide to open a credit card, remind them to pay it off every month and choose a credit card that will provide great benefits.</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/business-money-pink-coins (7).jpg" alt="" width="640" height="418" /></p>
<h2>Build Your Savings</h2>
<p>As a good rule of thumb, teach your children to follow the 50-30-20 rule. That means that 50% of their income goes to paying for the things they need, 30% of their income goes to things they want, and 20% of their income should go into savings. They can readjust this to fit their needs, but make sure that they understand the importance of building their savings for an emergency fund. Remind them that you never know when the car may need maintenance or a health concern will lead to a big hospital bill. Savings can ensure that these emergencies won&rsquo;t put them into debt. &nbsp;</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-872957.jpeg" alt="" width="640" height="462" /></p>
<h2>Limit Your Loans</h2>
<p>Sometimes you need to take out a loan. Maybe they&rsquo;ll need help paying for their education, starting a business, or buying a home. Even though they don&rsquo;t want to be swimming in debt, some loans can help them in the long run, especially a student loan. Talk to them about not taking out too much money and using a reputable financial institution. Help them research to find the best rates from a loan company, like <a href="https://www.tkqlhce.com/click-2036218-12403418-1458151891000?sid=SMA-homepage" target="_blank">Blue Trust Loans</a>, they can trust.</p>
<p>These are 5 things that we would teach our children to help get them on the right track financially. Many of these lessons are ones that can be taught and practiced from a young age. Do you agree with these tips? What financial lessons would you teach your children? Share your thoughts in the comments below.</p>

Financial Advice to Give Your Kids: 5 Things I Wish I Knew

Teach your kids the things you wish you knew abut finance planning and money management and pass on your wisdom to set them up for financial success. 

financial advice for kids, financial lessons, things i wish i knew

<p><a href="https://www.promocodes.com/coupons/tax?ref=blog&ref_post=how-to-file-a-tax-extension-if-you-arent-ready-for-tax-day" target="_blank">Tax Day</a>&nbsp;is rapidly approaching &ndash; are you ready for it? If not, there's no need to stress. You can file a tax extension to score extra time to complete your taxes.</p>
<p>To file a tax extension, you'll need to complete <a href="https://www.irs.gov/pub/irs-pdf/f4868.pdf" target="_blank">IRS Form 4868</a>. You can fill out and file this form online. Or, you can print a copy of the form, fill it out by hand and send it directly to the IRS.</p>
<p>IRS Form 4868 likely won't take long to complete. The form asks you to provide your name, address and social security number, along with individual income tax information. After you fill out the form and file it, the IRS will extend your tax due date up to six months. Therefore, with an extension in place, you'll have until October 15, 2018 to file your 2017 tax return.</p>
<p>Ultimately, there are many reasons why now may be a great time to request a tax extension, and these include:</p>
<h2>1.&nbsp;<strong>You are running out of time to file your taxes.</strong></h2>
<p>Tax Day is April 17, 2018, which is less than a week away. If your 2017 tax forms are still in their original envelopes and you have a full schedule over the next few days, you might not have time to finish your taxes before Tax Day. Fortunately, if you take a few minutes to file an extension, you'll ensure that you can complete your taxes at a later date without having to worry about IRS penalties.</p>
<h2><strong>2. You can avoid the risk of costly, time-consuming tax mistakes.</strong></h2>
<p>Even the most diligent procrastinator doesn't want to wait until the last minute to file his or her taxes. Because if you're rushing to fill out your tax forms, the risk of making mistakes increases. And if you wind up getting audited by the IRS due to an error-filled tax return, you could face costly penalties. On the other hand, if you file a tax extension, you can take a calm, cool and collected approach to complete your taxes. Rather than rush to finish your taxes in the days to come, a tax extension ensures that you can allocate the necessary time and resources to fill out your tax forms correctly.</p>
<h2><strong>3. You can get the help you need to finish your taxes.</strong></h2>
<p>If you're struggling to finish your taxes, you're not alone. However, finding a tax professional who is available to assist you in the closing days before the federal tax deadline may prove to be difficult. But if you file a tax extension, you can give yourself extra time to find tax help. And as a result, you can get the assistance you need to maximize your tax deductions after the pre-Tax Day rush winds down.</p>
<p>Of course, if you plan to file a tax extension, you may want to take advantage of <a href="https://click.linksynergy.com/fs-bin/click?id=RC1iBbFoGm8&amp;offerid=560473&amp;type=3&amp;subid=0&amp;u1=SMA-homepage" target="_blank">TaxSlayer</a>. In addition to providing intuitive, user-friendly tax software, TaxSlayer is offering 20% off federal returns for a limited time only.</p>
<p>File a tax extension today &ndash; you'll be glad you did. If you obtain a tax extension, you can avoid the rush to file your tax return by Tax Day.</p>

How to File a Tax Extension If You Aren't Ready for Tax Day

It is down to the wire and your finances are not in oder. Here is how you can file a tax extension and get the most out of your return and file online 

File a tax extension, Tax day, tax extension, how to file a tax extension

<p><span style="font-weight: 400;">Congratulations!</span></p>
<p><span style="font-weight: 400;">You&rsquo;ve filed and sent your <a href="https://www.promocodes.com/coupons/tax?ref=blog&ref_post=i-filed-my-taxes-now-what" target="_blank">tax return</a>.</span></p>
<p><span style="font-weight: 400;">But now what? What to do? Well, it&rsquo;s not over. Follow our guide to post-filing and take the next steps.</span></p>
<h2><strong>First step: check it over (again) and store</strong></h2>
<p><span style="font-weight: 400;">First off, double&nbsp;<a href="https://www.promocodes.com/blog/everything-you-need-to-know-about-president-trumps-tax-changes" target="_blank">check your taxes</a> and make any necessary amendments as soon as possible. Changes should be made before you send off the taxes in the first place and if you filed online then there are less likely to be inaccuracies because the information and figured inputted are automatically calculated and electronically processed. However, it&rsquo;s always good to double-check - or even triple-check - once you&rsquo;ve sent the tax file off to the IRS because it&rsquo;s always good to clarify and make sure everything is correct. Make sure you store all the relevant documents - you might need them later on.</span></p>
<h2><strong>Next step: to pay tax or to receive tax</strong></h2>
<p><span style="font-weight: 400;">The next step is to check your tax return status. If you are owed tax then you&rsquo;re likely to receive it via bank transfer seven to 21 days after IRS approval (or three to four weeks via a cheque in the mail). If you owe tax then you can make an arrangement to pay this. You can pay via direct bank transfer, using a credit card or debit card or via an installment plan. If you can&rsquo;t pay your tax bill for whatever reason, then there are options but you need to take action as soon as possible in order to ease the burden, because the longer you leave it the more you&rsquo;ll owe because the IRS charges interest on owed taxes. Possible solutions may include an Offer-in-Compromise if you can&rsquo;t pay off the full debt, an installment payment plan or borrowing money from friends, family or the bank to pay what you owe.</span></p>
<h2><strong>I&rsquo;ve received a tax audit? Now what do I do?</strong></h2>
<p><span style="font-weight: 400;">Don&rsquo;t fret. A tax audit is when the IRS has examined your tax file closely and wants to query it. If you receive a tax audit then you need to read it carefully and follow what is required of you. Every tax audit is different and focuses on a specific issue. You may be asked to provide additional tax information, make changes to your return or verify your identity.</span></p>
<h2><strong>What yo do when you receive your tax return</strong></h2>
<p><span style="font-weight: 400;">Congratulations! You&rsquo;ve received a tax rebate! However, before you feel tempted to spend it all, there are some </span><a href="https://www.promocodes.com/blog/6-ways-you-can-use-tax-refund"><span style="font-weight: 400;">smart ways</span></a><span style="font-weight: 400;"> to put your tax return to good use. You can save it, invest it, pay down debts, use it to pay for important finances - such as utility bills - or save it to pay off future tax bills.</span></p>
<h2><strong>Preparing for next year</strong></h2>
<p><span style="font-weight: 400;">Now this you&rsquo;ve sorted out taxes this season, you can start preparing for next year. Preparing in advance means that you can reduce the stress and pressure on yourself once the next tax season comes around. No one likes to feel frazzled and rushed and tax season can be stressful even at the best of times. Therefore, it&rsquo;s best to get organized - your future self will thank you for it. Start saving files and documents, factor in future life changes that are set to occur within the next year - such as buying a home or having a baby - keep track of all expenses, check your earnings each quarter, speak to a tax advisor and set up an account with an online accounting software like TaxSlayer.</span></p>
<h2><strong>If you are still filing, here&rsquo;s a special deal for you</strong></h2>
<p><span style="font-weight: 400;">If you are filing online then you can enjoy the perks of this with </span><a href="https://www.promocodes.com/taxslayer-coupons?ref=blog&ref_post=i-filed-my-taxes-now-what" target="_blank"><span style="font-weight: 400;">TaxSlayer</span></a><span style="font-weight: 400;"> - by saving time and money and automatically calculating accurate figures. You can get 20% off Federal Returns, exclusive to&nbsp;<a href="https://www.promocodes.com/?ref=blog&ref_post=i-filed-my-taxes-now-what" target="_blank">Promocodes.com</a> and no code is required.</span></p>
<p>&nbsp;</p>

I Filed My Taxes, Now What?

You filed your taxes and not quite sure what to do now? Here is your post-filing check list to make sure you are doing it right

post-filing tips, what to do after you file taxes, after you file taxes

<p>It can be a bit overwhelming when you actually attempt to read the fine print about the terms and conditions of different banking institutions! It makes War and Peace look like a comic book. Yet, even as our world becomes more digital, banks still play a key role in your ability to manage your money. Keep them working for you, not vice versa!</p>
<p>Whether this is your <a href="https://www.promocodes.com/coupons/tax-and-finance?ref=blog&ref_post=6-questions-before-opening-new-bank-account" target="_blank">first experience opening an account</a>, you have moved, or you&rsquo;re just not happy with your current bank, here&rsquo;s the down-low on what you should know when scouting out the best "bank" for your money:</p>
<h2><strong>1. What Type of Account(s) Do I Need?</strong></h2>
<p>A typical young adult needs just two bank accounts: a checking account and a savings account. A checking account is a hub for paychecks entering via direct deposit and money going out for bills. The other part of the equation should be a savings account to help build an emergency fund for life&rsquo;s unexpected expenses. You never know when you might be hit with an unexpected medical bill or car repair.</p>
<p>If you are married with children, your banking needs become more specialized. &nbsp;At the very least, most will want joint savings accounts for long-term goals, along with separate checking accounts for each spouse to keep peace in the house! You can get more specific later with CDs and other investment funds when your income grows.</p>
<p><strong>Checking accounts</strong> allow you to write checks to access your funds. This type of account is handy if you pay bills by mail or in person. It&rsquo;s typically less expensive than purchasing money orders and safer than carrying cash. Some banks yield interest on checking accounts, but at a lower rate than savings. Compare your bank&rsquo;s checking account&nbsp;interest rate&nbsp;to an internet bank&rsquo;s high-yield checking account, which can even be linked to your own bank&rsquo;s checking account for a better return.</p>
<p><strong>Savings accounts</strong> allow you to earn interest on the funds in your account, and opening one can be a good step toward&nbsp;building&hellip;although today&rsquo;s current national average is only around 0.09%. Nonetheless, if you can get into the habit of not dipping into your savings account and paying your expenses only through your checking, the savings will still be there for a rainy day.</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-221534 (1).jpeg" alt="" width="640" height="544" /></p>
<h2><strong>2. How do I qualify for free checking and avoid monthly service fees?</strong></h2>
<p>According to the American Bankers Association, 45% of Americans pay on average $10 a month for their checking accounts. Don&rsquo;t be one of them! It is absolutely avoidable. Making a switch could save you $120 a year.</p>
<p>Many banks charge a monthly fee for basic savings and/or checking accounts. However, if you qualify for one of their exceptions you can get around this. Typically these include being a student, signing up for electronic statements, depositing a specific amount of money to open an account, or maintaining a minimum balance. If your savings account is tied to your checking account, it&rsquo;s a pretty pain-free way to help you meet the minimum balance requirements for free checking.</p>
<p>Compare minimum deposit/balance requirements, and be sure that the sum is easy for you to maintain. You will still likely have to pay for overdrafts or bounced checks, but the number of transactions, deposits, withdrawals, or money transfers should be included as no-fee. Request a list of any fees and be sure they are excluded before signing on the dotted line.</p>
<p>Credit unions offer no-fee accounts to their members, and online stand-alone institutions offer no-fee accounts with competitive interest as well. Consider an online option like Ally, or a nearby credit union if you prefer a bank with physical branches.</p>
<h2><strong>3. Which ATMs can I use without an extra charge?</strong></h2>
<p>Most banks allow you access to their own ATMs free, but your bank&rsquo;s locations may not always be the most convenient way to get cash. Using an out-of-network ATM could cost you fees from your bank as well as from the ATM owner and/or network.</p>
<p>Some banks belong to networks that allow you to access all ATMs within the network for free. Internet-only banks often grant you access to any ATM and reimburse any fees.</p>
<p>Check if your ATM card will also carry the MasterCard or Visa logo, which means they can be used to make purchases virtually anywhere those&nbsp;<a href="https://www.promocodes.com/coupons/credit-cards?ref=blog&ref_post=6-questions-before-opening-new-bank-account" target="_blank">credit cards</a>&nbsp;are accepted. You should also learn whether you will pay a transaction fee if you use your debit card to get cash back from a merchant.</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-919436 (1).jpeg" alt="" width="640" height="459" /></p>
<h2><strong>4. Is there a charge to pay bills <a href="https://www.promocodes.com/coupons/finance-tools?ref=blog&ref_post=6-questions-before-opening-new-bank-account" target="_blank">online</a>?</strong></h2>
<p>Your account may be called a checking account, but with online bill-pay services, you may never actually write a paper check. Many banks offer this service free, but others attach fees. That said, most banks do charge fees for online payments if you want expedited processing, so allow enough time between paychecks and due dates to avoid those costs.</p>
<h2><strong>5. Can I make mobile deposits for free, and how long does it take for funds to become available?</strong></h2>
<p>Your bank likely has a mobile app that lets you deposit checks from your phone. Most offer this service for free, but others may charge for the convenience. Still, others offer mobile deposits for free but put a hold on the money for several days, then offer you access to a given deposit faster for a fee. You will need to inquire how long the hold is before your money is available to you.</p>
<p><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-313690.jpeg" alt="" width="640" height="480" /></p>
<h2><strong>6. How can I get help if something goes wrong?</strong></h2>
<p>Your bank may have nearby branches that you can walk into for help, but if you have an internet-only bank or use a bank from out of town, you'll have to rely on phone, email, or web chat to resolve any problems that may arise.</p>
<p>When you start making money hand over fist, you have specialized life events you are planning for, or are in crisis management, you can diversify into a more complex banking portfolio. In the meantime, these basics do fine for quite some time.</p>

6 Questions To Ask Before Opening A New Bank Account

Opening a new account? Not sure which one you need or what to look for? Here are 6 questions to ask yourself when opening a new account. 

Opening A New Bank Account, what to know when opening a new account

<p><a href="https://www.promocodes.com/coupons/tax?ref=blog&ref_post=benefits-filing-taxes-online" target="_blank">Tax season</a>&nbsp;is here and it&rsquo;s time to prepare to file. Tax Day is on the 17th April 2018 so list that as a date in your diary if you haven&rsquo;t done so already and get organized.</p>
<p><span style="font-weight: 400;">We all have to pay and file taxes - it&rsquo;s an inevitable part of life, but for most of us, tax season can be daunting. However, if you can get through it with confidence. To make your life easier, we recommend <a href="https://click.linksynergy.com/fs-bin/click?id=RC1iBbFoGm8&amp;offerid=560473&amp;type=3&amp;subid=0&amp;u1=SMA-homepage" target="_blank">filing taxes online</a>. You don&rsquo;t need an accountant or an accounting whizz to file taxes correctly and you are bound to save money.</span></p>
<h2><strong>Calculations are performed automatically</strong></h2>
<p><span style="font-weight: 400;">When you file your taxes online the processes are a lot quicker. You can instantly see how much you owe - or how much you are owed - and you can receive funds faster if you are owed a tax rebate. Also, you can electronically save your progress and once you&rsquo;ve completed a tax return online you can receive immediate confirmation so that means that it can&rsquo;t get lost because it&rsquo;s being processed electronically. This is a lot faster than processing the tax file manually with an accountant.</span></p>
<p><span style="font-weight: 400;">The automatic calculations make sure you don't miss a beat or a deduction and get you the most from your tax filing this year.&nbsp;</span></p>
<p><span style="font-weight: 400;"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-392018 (3).jpeg" alt="" width="640" height="426" /></span></p>
<h2><strong>You have control over filing</strong></h2>
<p><span style="font-weight: 400;">When you file online instead of filing with an accountant, you have complete control over how and when you file. Some people may feel uncomfortable giving away their personal details, but filing online means that your details are encrypted and securely protected from hackers.</span></p>
<p><span style="font-weight: 400;"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-921783.jpeg" alt="" width="640" height="571" /></span></p>
<h2><strong>You can avoid making mistakes</strong></h2>
<p><span style="font-weight: 400;">Let&rsquo;s be honest - accountants are still human so they may still make mistakes, meaning that you still have to spend time checking the tax file. When you file online, the calculations are already completed for you and the figures are more likely to be accurate.&nbsp;</span></p>
<p><span style="font-weight: 400;"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-935756.jpeg" alt="" width="640" height="426" /></span></p>
<h2><strong>You can file at your convenience</strong></h2>
<p><span style="font-weight: 400;">Filing your taxes online means that you can file whenever and wherever you want without stepping into an accountant&rsquo;s office. Whereas, filing with an accountant means that you have to submit your documents at the accountant&rsquo;s convenience and he or she will file in his or her own time. When you file on your own time, you can plan it out and set the time aside to fully focus on your taxes leaving no room for error.</span></p>
<p><span style="font-weight: 400;"><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn.promocodes.com/img/upload/pexels-photo-209224 (1).jpeg" alt="" width="640" height="426" /></span></p>
<h2><strong>It&rsquo;s easy</strong></h2>
<p><span style="font-weight: 400;">Filing taxes online has never been easier. Tax filing software such as </span><a href="https://www.promocodes.com/taxslayer-coupons?ref=blog&ref_post=benefits-filing-taxes-online" target="_blank"><span style="font-weight: 400;">TaxSlayer</span></a><span style="font-weight: 400;"> help to simplify the process and they&rsquo;ve been designed to be user-friendly, responsive and optimized to help users save money. You don&rsquo;t have to be good at dealing with figures or even know your tax code. TaxSlayer processes your information and does all the work for you. Currently, TaxSlayer is exclusively offering 20% off Federal Returns via Promocodes.com and no discount code is required.</span></p>
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<p><strong>You can save money</strong></p>
<p><span style="font-weight: 400;">By filing online and using tax software such as TaxSlayer, you don&rsquo;t need to pay for an accountant and this can save you time and money.</span></p>
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Benefits Of Filing Taxes Online To Save Money

It is tax season which means it is crunch time. What better way to get the best return and leave no room for error than with online tax filing software. These are the benefits to filing online 