Do you have plans for your tax refund? A tax refund provides the opportunity to improve your financial situation. Use the 30-40-30 plan to pay for your past, present and future. For more savings resources and tips on how to get the most value from your tax refund, visit America Saves at https://americasaves.org/ 
30-40-30 PLAN
- PAST: Designate 30% of your refund to paying off debt and catching up on outstanding bills.
- PRESENT: Earmark 40% for current use.
- FUTURE: Use 30% to jumpstart an emergency fund or longer term savings.
By: Nora Rhoades
