Having trouble saving money? Consider giving the Internal Revenue Service (IRS) a loan. Seems this advice flies directly in the face of advice offered by virtually every financial expert. You should never let the IRS hold your money!

Problem is many people who adjust their tax withholdings so they don’t get a refund, end up blowing the extra money. Worse yet, they may owe money at the end of the year they simply don’t have. That $25 a week in your take home pay can easily disappear, but a $1,200 refund may be a whole lot harder to fritter away. 

We are emotionally pre-disposed to wanting to spend money. Let’s face it, most of us get a whole lot more satisfaction out of spending than saving. For many, this creates a real problem. When they do have any extra money lying, it doesn’t make it's way into their savings or get used to pay off debt but gets spent on something else that brings more satisfaction and pleasure.

For more information visit www.theunfinancialplanner.com