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April 26, 2022
By Tracy CourageU of A System Division of Agriculture
LITTLE ROCK — Now that the 2021 tax filing deadline has come and gone, many consumers
are eagerly awaiting their tax refunds and perhaps planning how to use them. While
there’s endless spending possibilities, the best choice may be not to spend at all.
If you’re willing to delay gratification a while, a tax refund check can go a long
way in helping consumers gain financial stability if used for paying down debt, building
an emergency fund or saving toward a goal.
“It’s easy to go on a shopping spree or buy something you’ve wanted all year long,”
said Laura Hendrix, associate professor and extension personal finance expert for
the University of Arkansas System Division of Agriculture. “Before giving in to unnecessary
spending, make sure you are in a secure financial situation.”
The IRS typically issues nine out of 10 refunds within 21 days of electronic filing,
though the COVID-19 pandemic is causing delays in the process in some cases, according
to the Internal Revenue Service’s website. The average payment is $3,263, which is
$448 more than last year’s $2,815.
Before refunds arrive, taxpayers should have a strategy in place. A “spend some, save
some” strategy is good for consumers who have some immediate expenses they need to
IRS Form 8888 allows taxpayers to direct deposit their respective tax refunds across
“You can split it up into different funds so that part of your money goes into a savings
account and the other part goes into a checking account,” she said. “The part that
goes into your savings is money you don’t see so you’re less likely to spend it.”
Hendrix also urged people to reflect on their values and their vision of how they
want their life to be before spending.
“Most things in life come with a price tag — home ownership, a college education,
a new car, a secure retirement. Visualize that and know that we are all using our
resources — our time and our money — to achieve our dreams. With some delayed gratification,
that tax refund can be a step toward attaining your dream.”
Hendrix offers these tips for making the most of your tax refund:
Pay down debt. Use at least part of the refund to pay off credit card debt. Make additional payments
to the principal amount on home or car loans to reduce the amount you will pay in
Save for a rainy day. Personal finance experts recommend you save enough to cover at least two to six months
of expenses, so you don't have to borrow money to pay for a major car repair, medical
emergency, or other unexpected expense. If you don’t have an emergency fund, use your
tax refund to start one.
Save for future financial goals. Put tax refund money into a retirement or investment fund where it can grow, or
set aside money for long-term goals such as buying a home, a car or paying for college.
For more information about personal finance, visit www.uaex.uada.edu/Money and follow @uaexMoney on Facebook and Twitter. To learn about extension programs
in Arkansas, contact your local Cooperative Extension Service agent or visit www.uaex.uada.edu. Follow us on Twitter and Instagram at @AR_Extension.
About the Division of Agriculture
The University of Arkansas System Division of Agriculture’s mission is to strengthen
agriculture, communities, and families by connecting trusted research to the adoption
of best practices. Through the Agricultural Experiment Station and the Cooperative
Extension Service, the Division of Agriculture conducts research and extension work
within the nation’s historic land grant education system.
The Division of Agriculture is one of 20 entities within the University of Arkansas
System. It has offices in all 75 counties in Arkansas and faculty on five system campuses.
The University of Arkansas System Division of Agriculture offers all its Extension
and Research programs and services without regard to race, color, sex, gender identity,
sexual orientation, national origin, religion, age, disability, marital or veteran
status, genetic information, or any other legally protected status, and is an Affirmative
Action/Equal Opportunity Employer.
Media contact:Tracy Courage501firstname.lastname@example.org