For the next few months, merchants will be coming at consumers hard with Specials, Sales, Discounts, Advertising, New Products, with one thing in mind:

It is an all-out grab for your tax return!!  Tax return money is viewed as “Disposable Income” which means your money is being targeted by the market place!

Your TIP for this month is; “buck the system and don’t be a victim”!  Ear-mark your tax-return money for yourself.  Plan on putting it into a savings account or a CD or some other investment and turn that money into more money—money for you and not for big business!