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Dr. Per Cap and Tax Refunds

February 28, 2018

Shawn Spruce (Dr. Per Cap) says the 5 Keys to Financial Success are:


1. Income - spend less time or earn more.

2. Savings - Save at least 3 months of expenses and bills.

3. Credit - maintain at least 3 active trade lines with a clean 12 months history.

4. Insurance - Identify insurance risks you face and insure accordingly.

5. Investments - Aim for retirement savings equal to 5 times your annual income by the age 55.


As you know, tax season is here and some of you may be getting a nice chunk of cash back from the government as a return.  Here are some ideas to put those refunds to good use instead:

 *  Pay off your debt, keep working towards that higher credit score!

* Pay ahead on your rent or mortgage payments or car payments.

* Tackle car repairs, a tune-up, and/or tires.

* Create an emergency fund!


Be sure to plan on how you intend on spending your refund, this way you wont be mad at yourself for blowing it.


Happy Tax Season!



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