Holiday ornaments packed in a cardboard storage box.

It's time to start thinking about your tax refund!

We know, we know. Halloween just happened and, like the big box stores, we're already talking holidays and pulling out the decorations. But hear us out!


Each year, holiday spending creates an annual boom and bust in America bigger than the typical post-war recession. And in many ways, it's already started with back-to-school shopping and costume purchases. But before you put down the plastic once again for the turkey, the tinsel, and the gifts with the intention of paying off your bills with your tax refund, consider committing to save a portion of your tax refund for your savings goals. 

COMMIT TO SAVE

Each tax season, households making less than $50,000 claim $100 billion in federal tax refunds. If you're like us, that tax refund is the largest check you will receive all year! This windfall provides the perfect opportunity to start or grow an emergency fund (or the family college fund, or a new car, or whatever your savings goal is), and we sweeten the deal with cash prizes!*

Once again this year, SaveYourRefund is giving you a chance to win one of 102 prizes up to $10,000 just for saving a portion of your tax refund using IRS Form 8888 and sharing your savings goal with us. But you can't enter to win unless you save, so make a commitment to yourself today. Because by making this commitment early, you'll be much more likely to save later.  >> Commit to save a portion of your tax refund

*NO PURCHASE NECESSARY. Open to legal residents of the 50 United States and DC with a valid taxpayer ID number who are 18 years or older at time of entry and due a 2017 individual tax refund. Begins 12:01 am ET 1/22/18 and ends 11:59 pm ET 4/17/18. For how to enter and Official Rules, including odds, alternate method of entry, and prize descriptions, visit www.saveyourrefund.com/rules. Void where prohibited. Sponsor: Build Commonwealth, Inc.

Take the Pledge

I pledge to save money, reduce debt, and build wealth over time. I will encourage my family and friends to do the same

Take the America Saves Pledge

Tip of the Day

  • Written by Administrator2 | January 12, 2014

    Keep track of your spending. At least once a month, use credit card, checking, and other records to review what you've purchased. Then, ask yourself if it makes sense to reallocate some of this spending to an emergency savings account. http://ow.ly/sj972

Saver Stories View all »

Saving Early: Key to Successful Future

Written by Katie Bryan | October 28, 2013

For Johnnie Lovett, a Young Illinois Saver, saving has been a habit since he was a teenager. “As a teenager, I was responsible for buying certain things with my allowance,”

Read more...

Getting Out of Debt

Written by Katie Bryan | October 28, 2013

In 2004, Tonya Shelton was facing financial ruin. Barely making more than minimum wage and having lost her home to an unexpected family crisis, Shelton and her family were forced to live in a rundown hotel.

Read more...

Transforming “I Can’t Save” to “I Will Save”

Written by Guest Blogger | January 13, 2016

You will not believe what it took to completely change my life. About three years ago, the HR Administrator of the corporation where I worked (as a temp with no benefits) forwarded an email to me. Fifteen seconds. One small act of kindness. That's it - that's all it took!

Read more...

Receive Updates

Sign up for Texts

Written by Tammy G. Bruzon | July 15, 2014

Sign Up

Sign up for Emails

Written by Super User | September 16, 2013

Get Emails

Take the Pledge

Written by Super User | September 16, 2013

Start Saving