1. Buy a Savings Bond:
- Savings bonds can help you by setting aside money for emergencies, or to get closer to your goal to buy a home, pay for education or save for retirement.
- You can buy bonds in someone else’s name to give as gifts and help your loved ones reach their dreams.
- To buy a savings bond, check the box on the paper or online tax form and indicate the amount of the savings bond(s) you want to buy. If you are filing a paper return, use Form 8888.
- Watch your mailbox: You will get your savings bonds in the mail 3 to 5 weeks after you receive your tax refund.
- Learn more about buying savings bonds with your tax refund.
2. Pay down your debt and overdue bills:
- Late fees and interest charges can add up quickly and they can ruin your credit.
- Start by paying your bills, credit cards or loans that charge the highest fees and interest rates.
3. Open a savings account:
- have a safe place to keep your money,
- save money by avoiding check cashing fees,
- get into the habit of saving,
- establish a financial history, and
- get affordable car and home loans in the future.
4. Create an emergency fund:
5. Save for retirement
6. Save for education
7. Repair your home
8. Start a Business
9. Take advantage of the Supplemental Nutrition Assistance Program (SNAP)
Programs vary but in many states, if you receive SSI or SSDI, you may qualify to get SNAP benefits as well. Plus, if you’re applying for or receiving SSI, you may also be able to get SNAP information and an application at your local Social Security office. Those who qualify get an Electronic Benefit Transfer order EBT card that can be used like a debit card at many grocery stores, gas stations, and farmers’ markets.
Schedule a Program Overview, then meet with our Income Supports Specialist to find out if you qualify SNAP.
10. Take advantage WIC: Nutrition for Women, Infants and Children
Keep in mind that just because you get WIC benefits doesn’t mean others won’t. All who qualify, benefit! Plus, if you receive SSI, you may qualify to get WIC benefits as well. WIC benefits include nutritious food or coupons to buy things like milk, juice, eggs, cheese, cereal, and formula. And, access to free health services like prenatal care, immunizations, nutrition advice, and parenting education. Find out if you or your children qualify for WIC today by visiting
Schedule a Program Overview, then meet with our Income Supports Specialist to find out Missouri and Kansas requirements for WIC.