Tax Season is officially open! This year, you have the opportunity to save time, money, and put your entire refund back into your own pocket with an array of free tax filing resources.
File for free
Taxpayers with income of $72,000 or less in 2020 can complete and submit their federal and New York State income tax returns online for free. There is no need to pay for software or a tax preparer. Nearly 255,000 New York taxpayers used our Free File software last year, saving themselves an estimated $51 million in the process. To be directed to the free filing options, simply select Free File your income tax return on the Tax Department’s website.
To ensure you’re not charged a fee, you must go to the Tax Department’s website to complete your return. You’ll save on tax preparation fees and added costs for software, prevent costly errors, and ensure that you directly receive any refund you’re owed in the most efficient way possible. Filing through the Tax Department website is 100% free.
Receive your refund up to two weeks sooner
You can receive any refund owed up to two weeks sooner by e-filing your return and choosing direct deposit.
Filing electronically and choosing direct deposit is safer, faster, and more efficient than sending paper returns and checks through the mail. And you’ll receive your refund faster if it’s directly deposited into your bank account rather than mailed as a paper check.
To use direct deposit, simply check direct deposit on your tax return, then enter your bank’s nine-digit routing number and your account number. For checking accounts, this information is available on your checks; for savings accounts, contact your bank. If you use an online banking application, you should find the information you need in your mobile banking app.
Everyone would like to treat themselves to their most favorite items, spending less, or even grabbing a few euros instead. Well, this is what is possible when you are an extreme “cutter”. With a little bit of time and organization, you can reduce your bill at the register and better yet, earn money. By going through this article, you will be able to know how to find coupons and how to make the most of your coupons and other coupons and thus fill your pockets.
Subscribe to the national, regional press or that of your town or even the neighboring town; in any case, as the savings generated by your coupons will be sufficient to pay for these various subscriptions.
Be on the lookout for advertising inserts from companies like Unilever, which promote discount coupons. You can then find between 2 and 3 inserts dedicated to discount coupons every Sunday.
Browse the flyers distributed by your favorite stores. You might often find coupons printed at the bottom of the page or right next to some of your favorite items.
Find out when your favorite store is printing their flyers. Consider subscribing to the Thursday edition, for example, if you are sure that your favorite grocery store prints its flyers every Thursday.
Subscribe to newsletters to receive promotional offers from your stores by email. Many stores will be able to send you coupons or send you their brochures electronically. If you choose to acquire a loyalty card from a business, be sure to provide them with your email address, specifying that you wish to receive email from it with current specials.
Scan your stores as you browse the shelves. It is not impossible that you will find discount coupons right next to your favorite products. Be careful, you could also find discount voucher machines, right at the entrance of some shopping centers. There are also stores that have terminals where you can insert your loyalty card and print your discount vouchers, then generated by your previous purchases.
Learn how to find QR codes. If you have them scanned using your mobile, these codes can indeed direct you to an online discount voucher, which you can then redeem at your checkout.
Download a mobile application that lets you read QR codes, such as QRREADER code readers for iPhone and QR Droid for Android phones. Like that Click on the app to open it option.
In general, to activate your scanner, all you have to do is aim at the code in question with the camera lens and then press the indicated key on your mobile. Then scan the code and you will see the coupon or the hidden website displayed in clear text on your mobile. Be careful though! These instructions may vary from application to application, so make sure you have the right application and the correct instructions.
Consider bartering your coupons. You probably have friends who share your passion for couponing. Partner with them and exchange your coupons that you find less interesting for the more advantageous.
Perhaps you’ve seen one of those television shows wherein a shopper uses an incredibly large amount of coupons to bring her grocery bill down to just a few dollars and cents at checkout.
“If I can do it, anyone can do it!” this person exclaims, and we do want to believe her. Who wouldn’t want to save money at the food store?
However, the people who save the most money generally spend quite a bit of time gathering coupons, organizing them and strategizing their shopping trips.
Getting the kind of savings by using coupons that you see on TV may not be possible right away (and you may not have quite as much time to invest in couponing), but using coupons will save you money. Start small and then build up as your schedule and desire permit.
Use the following 10 tips as your guide to making coupons pay:
1. Pick a store. Choose the food store that you most often shop at to focus your couponing skills on first. It can be too overwhelming for a novice couponer to keep track of all the sales at all the stores in their area and coordinate trips to all of them.
Usually, stores also have a minimum purchase amount to obtain sale items.
2. Familiarize yourself with your store’s coupon policy. Every store has its own rules regarding coupons. Stay up-to-date on the store’s rules and you avoid wasting your time planning purchases around coupons that your store will not honor.
3. Sign up for coupon websites. Open a free email account just for this purpose. If you search “couponing,” some of the top sites should come up. Join their mailing lists to receive free, printable coupons. Also join sites for products that you use regularly and know you’ll be buying. These companies appreciate brand loyalty and regularly offer coupons for their products on these sites; diapers, cereal and laundry detergent are just a few that come to mind.
4. Have a simple system. Most serious couponers have large, impressive-looking binders jam-packed with coupons in clear
plastic sleeves–leave these systems for the future couponing you. Just starting out, all you really need is a small accordion file or plain envelopes (whichever you already have on hand will do). Don’t make the mistake of spending your future coupon savings on today’s coupon organization system.
5. Link your system to your store. Use one file slot or one envelope for every aisle in your chosen store. File your coupons according to aisle and also write your shopping list by aisle. Keep one envelope or file slot open for the coupons you know ahead of time that you’ll be using, but always bring all of your coupons with you every shopping trip.
6. Start clipping. If you’re already receiving coupons with your newspaper, start with those. Perhaps a friend, relative or neighbor has coupon inserts that they don’t want or need. If you choose, you may want to start purchasing the Sunday paper for the coupon inserts. However, if you’re just getting started, don’t buy multiple copies of the paper for the inserts or coupons from a clipping service. If you do not make use of these extra coupons, then you’ve wasted money instead of saving it. The coupons you will have on hand just from the paper and from the web will be enough to get you started.
7. Stick to a schedule. Choose one day/evening a week to “work” on couponing, i.e., clipping coupons, printing coupons from
websites, filing, checking your store’s circular, etc. This ensures that you’ll never miss a great deal.
8. Keep track of your time. Be sure to note exactly how much time you’re spending on couponing and shopping and compare this
time spent to the amount that you spent just on shopping alone. This gauge can help you decide if using a lot of coupons is worth your time and effort.
9. Keep track of your savings. This combined with tip no. 8 will help you to decide whether or not coupons pay for you. If you’re really not saving that much money and spending more time than you’d like trying to, maybe couponing isn’t for you.
10. Purge regularly. Nothing is more frustrating than having a great coupon (which will double!) matched to a great store sale
item, only to find out at checkout that this great coupon has expired! Incorporate a check of expiration dates into the schedule that you have established to be sure that this never happens. Keeping coupons in order of oldest to newest (within their respective file) can also help.