I know that many people rely on their income tax refund check every year to pay off their Christmas debt. But, what you have done was give Uncle Sam an interest free loan on your money.
Adjust your withholdings so that you get back as little as possible (if any). Getting back a large sum of money means that you had your employer take too much out of your paychecks. Keep that money in your pocket.
You wouldn't loan a complete stranger thousands of dollars without incurring fees and interest, so don't let the Federal and/or State Government borrow your money for FREE.
