It is tax season and you may be one of the many millions of people to get a refund. That is wonderful news but then you have to think on how to spend it with out wasting it of course.
There are several ways that you can utilize your extra money.

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     First you must look at the amount of your refund and analyze your monthly budgets and your debts such as credit cards, school loans, mortgage or even car payments.

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     Then divide the amount in three equal parts.

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     Now, put the first third of the money towards your highest debt.

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     The second part put it away in a savings account or IRA account, and if you do not have a savings account this can be a good time to open it.

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Pop-up campers need regular cleaning to keep them in top condition. Another way to prolong the life of a camper is to make certain it is completely dry before closing it and storing it away. If it is stored damp, mold and mildew can form, causing odors and dark spots. There is a relatively easy way to remove mildew.

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     Fill a spray bottle with hydrogen peroxide. Spray the hydrogen peroxide onto the

     mildew inside or outside the pop-up camper.

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     Leave the hydrogen peroxide on the pop-up camper for 15 to 20 minutes.

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     Scrub off the mildew with a scrubbing brush.

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     Repeat Steps 1, 2 and 3 until all the mildew is gone.

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Liquid chalk is a product which combines chalk powder with a liquid, to make for a dust-free, non-messy application process. However, once the chalk dries, it returns to it's powdered-from and can easily be removed in the same way as traditional chalk. Liquid chalk is available in chalk markers, to use on chalk boards, black boards, windows and glass, and in a lotion-like product, to be used on the hands and equipment of weightlifters and body builders.

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     Use a room temperature, water-dampened cloth to wipe away liquid chalk. If chalk is remaining, proceed to Step 2.

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     Fill a sink or bowl with warm water and a squirt of a mild liquid soap, such as dish or hand soap. Dip a soft cloth in the mixture. Wipe down the liquid chalk for removal. If chalk residue still remains, proceed to Step 3.

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Having a lien on your credit report can greatly impact your finances. It will be more difficult to get future credit from creditors. There are different types of liens that can affect a credit report such as mechanical liens and IRS tax liens. You cannot get tax liens erased from your credit report until seven years after you have fully paid the taxes.

1. The Process

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     If the taxes are still outstanding, hire a reputable tax attorney to assist you with dealing with the IRS. The tax attorney will help you to show any financial inability to pay the tax lien and offer the IRS a compromise to pay an amount that is reasonable. The attorney will be able to negotiate on your behalf.

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Learn how to remove late payments on your credit report. This will raise your credit score and make it easier to get loans.

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     Get your credit reports. You can get a free copy of your credit reports from the site listed below or from any free credit report website. You can also get a copy from any lender that has recently denied you credit. You may also request one from the credit bureaus if you have been denied credit recently.

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     Find late payment errors. Review your credit reports for any late payments that could be erroneous or inaccurate. 79% of all credit reports have errors and 25% of those errors are severe enough to deny you credit.

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