Wednesday, February 3, 2016

Taxes

I finally received all of all my paperwork so that I could file my taxes.   The final numbers show that I will receive a refund of $1,613. 

There were a couple of issues that were irritating to me about filing my taxes.  First, I'm glad that I don't owe any money, but I hated to see all of the interest that I paid for my mortgage.  I paid over $7,500 in interest for the privilege of having a mortgage.  Sigh. 

Second, I paid over $500 in student loan interest last year.  I was able to take a $28 deduction for that student loan interest.  Wow, seriously.  Apparently the IRS saw fit to reduce the amount of the deduction you can take for student loan interest based on your income.  I'm not trying to be political here, but why are you punishing people who have higher incomes?  I think some IRS regulations should be the same across the board.  I tend to think if I have student loan debt it's because I'm not in a position to pay it off, meaning I don't have the financial resources to do so.  Which in turns means I don't have a ton of disposable income due to my "higher" income.  Does anyone else find this as frustrating?  This is just another reason why I am glad that I am not only debt free, but student loan debt free as well!

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