| By :
Molly Wider
Are you like thousands of others, cringing over the thought of having to file your 2009 income taxes because you know you owe? This annual anxiety strikes many people and it causes grief to so many because they know they don't have the money to pay what they owe. So many people procrastinate and do not file before April 30th. Of course, if you don't file by that date and you owe, interest can accrue faster than interest on a credit card. Getting those nasty reminders to file your taxes only adds to the anxiety and as we all know, the government will not go away. Perhaps getting some advice as to what you can do to avoid this from happening next year is food for thought. A very simple strategy to avoid having to owe the government is asking your employer to take off more tax on every paycheque. It may be a small adjustment to make every time you're paid, but it will pay off. If you end up paying too much, then you will get a refund. This is smart advice for those who are in no financial position to buy RRSP's or to execute other financial strategies to get a refund every year. Now that there is some relief for next year, it doesn't help matters now. You know you're going to owe and wanting to file your taxes has become a source of stress. There's no need to panic because there are always options. Is your credit in good shape? If it is, then there are numerous options available to you. For so many people, the last recession took their credit rating and obliterated it. If you're one of those people, you know your chances of getting a loan are slim to nil. There's no need to feel down, there are options open to you. If you are not sure what your credit rating is, then you can find out for free. Every year you are entitled to a free credit file disclosure; this is more commonly referred to as a credit report. Once every twelve months you are legally allowed to get your report from Equifax, TransUnion and Experian. This is something that is highly recommended not only to monitor your credit rating, but it is advisable to be diligent in doing this every year to monitor the possibility of identity theft and fraud. If something nefarious has appeared on your rating, you can appeal it. "Car title loans" are one of those options for people with poor credit. These loans are set up specifically for those who have credit that a bank may view as less-than-desirable. A car title loan is secured based on the value of the borrower's vehicle. These loans are facilitated much faster and are by far easier to obtain than standard loans.
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