More Money Podcast - 101 What You Need to Know Before Doing Your Taxes this Season - Lisa Gittens, Senior Tax Expert from H&R Block

Episode Date: April 5, 2017

Are you ready for tax time? If not, that's okay because I've got the podcast episode that's perfect for you! For episode 101, I chat with senior tax expert Lisa Gittens from H&R Block about how to prepare your return, how H&R Block professionals are trained, why their online software is free, and what are some of the top tax tips people need to know before filing their taxes this year.   One thing I highly recommend before getting started on your taxes is to download my free tax preparation checklist. It's a checklist that outlines all the documents you may need to hand-off to your tax preparer or that you'll need when filling out all your info online. Sign Up for a CRA Account One of the best things you can do to make doing your taxes a breeze is by creating an online CRA account. You can change your marital status, name and direct deposit info in just a few seconds online when you've got an account, plus it's also a great way to easily see what your RRSP room is and it also houses all of your past tax returns. Helpful Tax Resources from H&R Block Earned a small amount of income? Here’s why you should still file a return Managing a rental property? Here’s what happens to your taxes If you like free money, you’ll love RESPs NETFILE for the win For more podcast episodes, check out the podcast page. Show notes: jessicamoorhouse.com/101 Learn more about your ad choices. Visit megaphone.fm/adchoices

Hello, and welcome to episode 101 of the Momony Podcast. 101 Dalmatians, 101 episodes. I am your host, Jessica Morehouse, by the way, and I am excited that you're joining me for this special episode about taxes because we are in the middle of tax season and many people are scrambling right now because the clock is ticking to get your taxes in before the deadline. So I know most people don't necessarily enjoy doing their taxes, but it is something that we all have to do. And I'm hoping this episode will help you make tax season a little bit less stressful, maybe even pain-free, because I am talking to senior tax expert at H&R Block, Lisa Gittins.

She is very knowledgeable when it comes to taxes. She has been in the industry for a number of years. And so we talk about how to prepare for taxes, what are some tax credits you should be aware of, just how to do your taxes like a pro essentially. So this is what we're going to be talking about. And thanks again to H&R Block for sponsoring this episode of the Mominy Podcast. I appreciate you. If you are listening right now and you haven't decided how you're going to do your taxes, well, H&R Block has two options for

you if you're interested. You can do it for free on their website. They have a free online tax software. Just go to their website, hnrblock.ca, and you'll be able to click, click, click, and start doing your taxes for free online. Or you can go to a H&R Block location and use a tax professional there. And if you go to the show notes, jessicamorris.com slash 101, I've even got a special coupon for you to save 15% on their services. So make sure to do that if you're interested in going to H&R Block to use one of their professionals. So without, oh, wait, before I go, actually, one thing I do want to share with you in case you're not aware, you're not in my email list or my Facebook page. I

recently did a Facebook live stream with Lisa the other week, and it was awesome. People wrote into us with their tax questions, and we, well, Lisa answered them live, and definitely want to check that out. I would suggest I'm going to, again, include that video in the show notes in case you missed it live, so you can check out some of the questions that we got and the answers that Lisa gave. So hopefully, maybe some of your questions are there, and the answers that Lisa gave. So hopefully, maybe some of your questions are there and we've got the answers for you. So make sure to check out the show notes, jessicamaros.com slash 101. Okay, enough of me yabbering. Let's get to that interview. Thank you, Lisa, for joining me on the Mo Money Podcast.

Thank you for having me, Jessica. Looking forward to this. I know, me too. I love talking taxes, especially with a tax expert like yourself. So I would like to first kind of begin this interview with, I would love to know a little bit more about you. You've been in the game for a number of years. Well, first, I would love to know, I'm always curious for people who do choose like the tax industry as a profession, why did you choose to do that? For me, the flexibility of it. I started out with H&R Block back in 1996. So it's quite a bit of time. And at that time, I was just starting out with my family. So it was a seasonal thing. I could take the course, I could work during the season and be off during the summer and when the kids were starting up school. I took some time off then

because I went back to school, got my diploma, and stayed preparing taxes, but not working specifically with H&R Block. And my background is in accounting. So I've worked across different industries, education, hospitality, not-for-profit. But coming back now at this time, my kids are all grown, all leaving home, and I wanted something that, again, offered me flexibility. Stepping right back into H&R Block's office was so easy. It's seasonal. This is now my third year here in Toronto. And while the season is short for most employees from January, say till the end of April,

I found myself working year round and I love it. I love being able to help people to understand something that seems complicated. Absolutely. No, I'm actually really curious about that because taxes, tax season is very seasonal. So what do most i was i'm always so curious i even asked the the woman uh that i used to do my taxes at h&r block what do you do when like sometimes you know h&r block you know shuts down that location so what like what happens to you so what do lots of these is it because people do kind of want to work you know part of the year and then not some of the year? A lot of our employees, because it's an industry where you have persons who are now starting out, this could be their first job, their first entry into employment in Canada or into the workforce. But we also have that gamut

of persons who are retired from their career. And this is something that because it's seasonal, keeps them active. The nice thing about working with H&R Block is you have to take a course every year in order to come back and work. So there's a learning process that is there every year, you're taking a new course, every year you're learning a new subject. And that's exciting for all of the employees. That's the type of employee that you attract to H&R Block. Someone who wants to learn about the new changes, wants to keep up with technology, but they don't want to be committed to it nine to five, 12 months a year. Yeah, that's actually an interesting thing you brought up. I think a lot of people are curious, what kind of education do lots of these tax representatives have at H&R Block? Like, you know, like, is it different than, say, to find some kind of independent tax professional?

It is. At H&R Block, we have a course that has been set out. Now, you can start out on the first level. That first level course is has been set out. Now, you can start out on the first level. That first level course is open to the public. And we give you a basic knowledge of the income tax system in Canada, as well as what are the requirements for that specific year. You must score 80% or higher in order to be able to be employed by H&R Block. So our professionals are the cream of the crop. Once you've scored that 80%, you come into the office and your learning doesn't stop

because now you're being provided with the updates to the tax changes. You're learning the software. And if you choose to come back and work with us in the following season, you again must take the second level course. So you do get employees. Our employees are those who, number one, love taxes. Yeah. And number two, love to learn.

No, that's very important. You mentioned software. I know H&R Block, you can go into a location and talk to a person. The first time I actually dealt with H&R Block was a few years ago and I used their online tax software. I think it was the first year it came out. And it's absolutely free. Do you want to kind of talk about that? Because there's a lot of different programs out there. And then I'm curious, why did H&R Block decide to launch an online platform and why did they make it free? Well, first of all, you are correct. Our offices are open and you can come in. That's

our traditional way of filing. So you come in, you ask questions, sit down, have a professional prepare the return for you. What we've noticed though, is that there are other programs out there and our customers, our clients also were asking, is this a return that I can do on my own? And how can I do this at home? In response to what our clients were asking, we provided online software. And as we look at the numbers over the past three years, we've got more and more Canadians who are filing for themselves using the online software. And that allows us to make changes and increase and just tweak it, make it more and more user-friendly. It's completely free. Why? Because we're confident

that if you have the knowledge to prepare the tax return, that option should be available to you. Using our software, if you provide it from beginning to end, prepare it yourself, there is no cost. But if at any point in using our software, you have to ask a question or you would like some expert advice, the option is there for a small fee. You still don't have to leave your living room. You can have the help come straight there to you. Absolutely. So I would like to talk about the different ways you can do your taxes. I think for me, I think I've been a bit of a flip-flopper. I kind of do it a different way every year. I've used every kind of online platform there is just because I'm curious about what the differences are.

So first, actually, I would like to chat, and I don't know if you know the answer to this, but I've used a lot of different platforms. And there was even one year where I guess I had some time on my hands, and I was curious if I used one platform over the other, would I get the same kind of result? And I would sometimes get different numbers. I mean, they wouldn't be drastic, but they would be different. But I would input the same data. Is there any, like, why would that happen? There's no specific reason without seeing the actual situation that I can give you. It could be a technical issue with some, an amount not

carrying over, but that's a difficult one for me to answer without seeing the unique situation. So just something people should be aware of. And yeah, I always kind of tell people, if you don't know which platform to use, most of them allow you to do them for absolutely free until you file. That's when you have to pay them. The actual preparation process of entering the numbers is free across the board. Where the fee comes in is when you're ready to net file. Exactly. Exactly. So people can actually test them all out and see which one just is easier for them to use and they like and then go crazy.

That's correct. Before they submit it to the Revenue Canada. Exactly. Exactly. So I know that people can go online. They can go to an H&R Block. They can go to an independent tax professional. There's a lot of different ways and I think a lot of people are kind of like,

well, which one's the best way or which one makes more sense for me? Do you have any ideas where people should start or why people choose one way or the other? In Canada, every individual's tax situation is unique, just like every individual. So it's based on your preference. If you are someone who is comfortable working through the numbers on your own, if you're someone who has maybe had a little bit of expertise or a little taste of preparing your own income tax returns, and now that we're in the technical age where it's available online, if you're comfortable with what your numbers are and what your result should be, I say go ahead and try the online platform because you know what you're looking for. If this is your first attempt at ever filing a tax

return, you're not sure or your life situation has changed. It's the year that you just got married, or you have a child, now you have a senior relative living with you. If your lifestyle has changed, or changes have happened, that's where I suggest you go in and see a tax professional for that return, and ask questions. Maybe when you come out with the answers, you're still confident to do it online. But if your situation has changed, or it's the first time, please see a professional. Absolutely. I know one thing that pops up a lot is, especially amongst millennials who usually have a side hustle, one or two jobs, a lot of them are like, can I still do my taxes if I have more than one job online?

Do I have to go see a person? I'm a bit confused because things have got a little bit more complicated. Now, in that situation, if you have more than one T4 slip because you're working for an employer, you can definitely use our online software. It will walk you through the steps for each individual T4 and you have no problems. Where you may be working for an employer, but you're self-employed, I would suggest, again, speaking with a professional because you want to find out about your specific business, what are the expenses that you can claim. If this is a

business that you've been doing for the last three years and the expenses are the same, then go ahead and use the online software that we have on our website. If this is a brand new business, again, sit down and speak to a tax professional so they can tell you what are the new credits, what are the total expenses that you can claim. Absolutely. Yeah. And I'd like to say here, a lot of the times we think of asking questions before the return is prepared. But it's good for everyone. After your return is prepared, before you're walking out the door, ask questions. Ask about, so did you claim that credit we discussed?

Can you show me where on the return these amounts are? Where is my total income? Where's my refund amount? Ask questions at the end as well. So you're walking out confident. Exactly. And even if you do walk out the door and then realize you have questions, you can still turn around and come back. I've actually had to do that this year. We filed it. We did everything. And I'm like, yep, sounds good. Then I went home. I'm like, oh my gosh, I totally forgot about including some really important tax credits, like the first time home buyers tax credit and some other business expenses that I

just totally forgot about. And so I was in a panic. I'm like, what do I do? I've never been in this situation before. And so I emailed my tax professional. I'm like, I remember these. Is it too late? She's like, actually, no, we can just do an adjustment. Exactly. And thank God we did because it saved me $800. Exactly. So it was worth that extra, you know. Once you filed the return, you don't file a second return, but you can file an as well as tax savvy, you can even use the Canada Revenue's My Account service to file that adjustment for yourself. One thing that actually that reminds me of and one thing that really helped me keep organized,

and I kind of want to talk about that because I think that's another thing people have a hard time is just keeping organized and not pulling out their hair during tax time, um, is, uh, creating a CRA account. Basically it is one of the easiest things and best things you could do. Cause I, not frequently, but I do check it a couple of times a year to say when I got married and I changed my name, that was one thing to do. What other things are like, what other benefits is it to create an online CRA account? Well, we address this to millennials, but we address this across the board. Canada Revenue has a wonderful service, my account. It's linked to your income taxes.

It's also linked to Service Canada with your employment insurance. When you sign up for my account specific for your taxes, you're going to see all of your T4 slips for the past 10 years online. You're going to see all of the returns that you have filed for the past 10 years online. You're able to, as we discussed earlier, change a return. So you filed your 2016 and you got a slip in the mail after the fact, or there's a credit you forgot to claim, using the My Account service, you can make the change to your return right there. If you got married,

you can change your marital status, change your address using My Account, change your direct deposit information, or add your direct deposit information using my account. If you have had a child in the year, you can add that information using my account. Pick up the phone and call CRA, but having my account is a service that's available on your desktop, laptop, mobile phone. It's available everywhere you go, anywhere you are. Exactly.

And I think a lot of people think that they can't make those changes until tax time, but actually you can make them throughout the year. Just go online with your account. It's amazing. And it saves you having that shoebox under the bed. Exactly. Because all of your income is there. Now you just have to have a notebook for your credits. Exactly.

Yeah, that's one of the great things, too. Whenever I couldn't remember how much RSP room do I still have or what was my income from the past 10 years? I did this blog post a little while ago, a couple years ago, where I literally went through all of my notice of assessments to see how much I made in the past 10 years. It was not a lot because I think I started from the age of like – And you're sitting doing the math, right? Yeah, and I did all the math. And it was actually pretty cool. But I was able to do that because I had a CRA account. And you can actually look at all that information there. So if you do not have one, please just go make one. Save yourself some hassle and some headaches. When it comes to things like your GST credits, child tax benefit in Ontario, your Trillium benefit, on the My Account, it tells you the date that the payment is going to be released, if it's on its way to you, and the exact amount as well. Absolutely. One other thing I

wanted to talk about was, I think a big thing when it comes to for tax times is people not understanding what are the new tax credits, what are ones that used to be around and aren't, what's the best place for people to educate themselves about tax credits, deductions, all that kind of stuff? Again, Canada Revenues website should be the paramount place that they go for double checking changes to the tax laws. You can also come into the office and ask a question. I know that we do post some changes on our website. As we're talking here now, you're doing your 2016 taxes. Be aware this is the last year that you can claim the TTC monthly passes as a credit on your tax return. Fitness credits for your children. The amount has been reduced from $1,000 to $500.

This is the last year you will be able to claim the fitness credit for your dependent children under 18. The arts amount, it has been reduced to $250. So those tutoring classes, ballet, painting classes, this is the last year you can claim that $250 credit for children under 18 in your home. Family tax cut was eliminated, so that credit is not available for 2016. Now we've talked about what's moved away. What you need to know is there are credits on the table that have been added. There's a home accessibility tax credit. So if you live in a home with a disabled family member or a senior family member member and you've had to do renovations, that front doorway ramp, make renovations to the bathroom, keep your expenses. The receipts up to $10,000 can be claimed for the home accessibility tax credit on your 2016 tax return.

Now, that's worth $1,500 in refund for you. Yeah, that's significant. And that's big because more and more seniors are staying in their homes and they have to make those renovations. So it makes a big difference to them on the tax return. If you're a teacher and you're teaching early childhood education or preschool or senior high school, and you're having to use your own funds to buy school supplies, paper, pens, markers, keep your receipts up to $1,000 and claim them on your income tax return. Whatever your refund, that is worth $150 directly into your pocket. And that's a brand new credit for 2016. Perfect. So when do these kind of updates or changes happen every year? Typically they happen, we get the updates around

the end of the year, but also right around budget time. We've just had the federal budget released. What we're hearing about are the changes that are going to affect the next tax year. So 2017? Yes, for 2017. So want to pay attention when the budgets are coming out to hear what is specific for you as a taxpayer. But at the end of the year, there are a lot of blog sites like yourself, Jessica. On our websites, we will post the updates for that current year. Okay, perfect. That's good to know.

So I want to kind of talk more about how people can set themselves up for success and be more organized. Sometimes it's, you know, especially now it's crunch time to file before the deadline. But so I would first, I'd like to talk about maybe some ways that they can take care of their taxes throughout the year. And then we can kind of about maybe some ways that they can take care of their taxes throughout the year. And then we can kind of talk about some things that they can do now that there's only a few weeks left. So let's say we're starting out. It's January. Everyone gets a new calendar for the new year. My first suggestion is always when the new year comes in, circle the tax deadlines on that calendar.

May 1st is your tax deadline for filing your tax return for 2016. If you're self-employed, June 15th is the deadline. So at the beginning of the year, know your deadlines. Then ask questions. Ask some questions about the changes. Do some research to find out what are the tax changes. Once you've had those answers, start to get your slips organized. More and more employers are emailing the T4s. So you're not checking the mailbox, but you are updating your email address. And you're checking your email to make sure the T4s aren't sitting in the spam or the junk box. Print out any income information that's on your email or any credits like the tuition receipts.

More and more schools are just leaving them online on their students' profile and not mailing them out. So you want to go check. Did the daycare email me my receipt? Print those copies out. Now that you've got everything printed out, put everything in your folder and go in to see your tax professional and ask a question. It costs nothing to ask a question. And at that time, then they may be able to say to you, where are your medical receipts? Where are your charitable donations? And because you're asking these questions in February, you've given yourselves lots of time. Yes, we're at the end of

March, and you've typically got four to four weeks left. But you can still ask a question, there's still time to recover any missing receipts, and definitely still time to prepare your tax return. Absolutely. No, I definitely have a good system. Now I use an online accounting software to keep me in check because I'm self-employed and it's a mess, so I needed something to help me out. But before I – because, yeah, lots of the receipts I would get for purchases for expenses were emailed, and so I would just –

I mean, you can either create a special folder in your email. That's a very good idea. Or I usually would just kind of on a monthly basis look through my emails and sift through everything and then kind of print to PDF and then put those PDFs in a folder on my computer so I could reference it. And I do that for every year. So in case I ever get audited, I am ready. Correct. It's always good to have a hard copy of everything. Right.

Yes, we are in a technological age, but computers crash. That's true. So we stack it up. Hard drives get coffee on them. Absolutely. Exactly. Exactly. So it's always good to have a hard copy. And I'm going back to sort of being old school. It doesn't hurt to have a little notebook, but we also have mobile phones, which have Excel spreadsheets that we can save on our mobile phones. And in the calendar, we can save, you know, did the gas expense, bought the computer.

We can keep track so much better today. Absolutely. And so if you start keeping track right from the first expense, right from the first receipt, then you create a pattern for yourself. And I think that would be the best tip to give everyone. Create a pattern for yourself of keeping track of your income and your receipts so that every year it's not a scramble. No, exactly. And I try to tell my husband this every single year. And I'm going to make him listen to this episode. So he hears my voice telling him. Time to break the cycle.

Yeah, because seriously, his office is just a disaster full of receipts. And I tell him every year, it's like, if you just followed my advice, I literally got my taxes done in like an hour. Just a handy envelope, a plastic portfolio. Put everything in there. Lab label it nice and big, income tax. Yeah. If you just take a little time each month to kind of tackle little bits of it, then it won't be such a headache and you won't have to spend a weekend. A little preparation goes a long way, especially when it comes to your taxes. It's a year round process. Exactly. So what should some fil you know, filers that haven't

gotten anything ready up until this point, what should they do first to kind of keep calm and carry on and get it done? So the first thing I would say to them is find your T4s. Yes. Check your email, check your mailbox. If you haven't received it, contact your employer. Let's start there. Get your T4 slips. Then sit down with yourself, give yourself 10, 15 minutes and think, did I have any medical expenses this year? Find those receipts. If you don't have the receipt, go back to your eye doctor or your dentist or your pharmacy and ask for a copy of the receipt. So stay calm. If you have donated to a charity, they have mailed you out a receipt or they've sent it in the email. So take a look for that. If you know the name of the charity, you can't find the receipt,

contact them. They will be happy to mail you out a duplicate. If you have children with childcare and you don't have the receipt, contact the daycare. So this is the time you want to sit down, take a look. This is our motto at H&R Block. We look at your life through taxes. So we're encouraging you to do the same thing. Take a 10, 15 minutes, sit down and think about what did I do in January, February, March? Did you go on holiday? And if you did, did you pay for extra medical insurance? That's a medical expense. Oh, is it?

That's a medical expense. So travel insurance and medical insurance, that's an expense. So think yourself, sit down, reflect on what have I done throughout the year? And then gather all of your stuff. This is the time to where it's like, oh, I worked for Joe in January. I didn't remember that because I started working for Frank in February and I've been working with Frank. But as you sit down and collect your thoughts, now you know to contact Joe and ask about that T4 slip. Absolutely.

Don't panic. Stay calm. Stay calm. Everything's going to be fine. Take 15 minutes. Reflect on what you've done during the year. Find all the income slips. And then think about what receipts you have for the year.

Absolutely. So I would love, because now for 2017, I am going to be filing as a self-employed person. I know there's a lot of people listening that are self-employed. What are some things to think about so I don't basically get slapped with an outrageous tax bill? What are some things that I should be preparing now for next year's tax season as a self-employed person? As a self-employed person, I think the greatest tip we give you is there's Excel spreadsheets and there's QuickBooks that you can keep track of your income and your expenses. It's important as a self-employed person that you keep track of the income per month. You don't just want to sit down at the end of the year and think ballpark figures. You want to be

exact. You want to be specific. So starting out, have a spreadsheet, have some kind of paperwork, hard copy paperwork that you're keeping track of what is your specific income every month. And then once you know the income, the expenses, expenses don't tend to shift from month to month. It could depend on the type of employment you do. But typically, if you're using a portion of your home for the office, your hydro bill is consistent, your utility bills are consistent, your cell phone bills, your internet bills. So you want to keep track of those things. Then you want to look at the supplies or what you're purchasing. Those are the receipts that tend to go missing because you bought a piece of equipment in January. Maybe you didn't even use the equipment

until April, but where's that invoice? As a self-employed person, you definitely want to have a dedicated place where you're keeping track of those expenses. Absolutely. And how much typically do you think someone who's self-employed should put away to pay that future tax bill? It really depends on your income. But if you're generating a consistent income, you want to look at anywhere between $2,000 to $5,000 that you're putting away at the end of the year. And that's based on an average income of that $1,000 per month for a self-employed person. I'd like to say here, too, we think a lot about income tax. But as a self-employed person, you do want to think about contacting Service Canada to find out about making contributions for yourself to your Canada pension plan and contributions to your own employment insurance.

You can do that and there are great benefits to you doing that. Yeah. So that's basically the reason you would do that so you can pay them now as opposed to tax time. As opposed to waiting at the end and paying it all at the tax time. So almost kind of like when you do have a full-time job and they just kind of take it off your paycheck a little bit. That is correct. Just kind of having that consistent. I think I might actually do that to save myself the headache. And so I don't forget about it come tax time. Be like, oh, right, I forgot. Exactly.

Now, another scenario that self-employed persons may find is because there's no income tax being deducted from their income. At the end of the year, if their tax bill is $3,000 for two consecutive years in a row, Revenue Canada can ask them to make installment payments. And so those are set amounts by Revenue Canada that you pay into them every quarter. And that's a great thing for a self-employed person. So if you got that notice in the mail from Revenue Canada, it's not a, I did something wrong. It's this is Revenue Canada's way of easing you when you file next year's taxes. They say, 2016, you owed $3,000. We see that you're conducting the

business. We expect you to owe another $3,000. How about we pay that off in these installment payments? Absolutely. One question, I don't know if you'd be able to answer it, but, because I know I have a lot of different people in my life that are self-employed and they do lots of different things. And one, you know, a few of them have decided to incorporate. And I know there's lots of confusion between like if you're self-employed, do you have to be incorporated or what? I've always operated as a sole proprietorship. That just makes sense for my income level. When does it make sense to kind of look into incorporating your self-employed business? You're incorporating, basically any private company is staying as a sole proprietor.

Right. The incorporation process is a process that allows you, if you wanted to be able to trade your stocks on the stock market, once you're incorporated, you're also bringing in a board of directors. So you have people to give you oversight as to how you're managing your business and where you're growing with your business. So these are things that you will want to have a dedicated conversation with an accountant to find out if you're ready to go to that next level. As long as you're the one comfortable making the decisions and you're the one receiving the income, distributing that income,

you're going to stay as a sole proprietorship. But if you're looking to franchise or if you're looking to, as I said, trade your stocks on the stock market, now you want to go into the corporation step and bring on a board of directors to assist. Well, thank you, Lisa, for joining me and talking taxes with me. You answered a lot of questions, and I know you're going to help a lot of people listening that are a little bit confused around this time of year. So I appreciate you taking the time to chat with me for this podcast interview. You're very welcome. It was fun for me.

I hope it was fun for those watching. And just remember, there's an H&R Block located at every corner in every community. So it costs you nothing to ask a question. And that was episode 101 with Lisa Gittens, the senior tax expert at H&R Block. And thank you to H&R Block for sponsoring the Mo Money podcast. Appreciate you. So in case you do want to choose to do your taxes with H&R Block, I've got a little prezzy for you, a little something, something. Basically,

if you go to the show notes, jessicamoros.com slash 101, I will include a PDF downloadable promo code that'll save you 15% off services at one of their locations. So if you're going to get your tax done, might as well use a coupon to make the whole process a little bit cheaper, right? So make sure to go to the show notes, jessicamaros.com slash 101 for that little discount. And again, I also did a Facebook live stream with Lisa last week. In case you didn't check it out, that is cool. I'm going to include the video of that live stream because basically it was an AMA, ask me anything kind of session where people were writing into us, people wrote into us in advance as well. And we

tried to answer every single question that anyone had. So most of these questions, maybe some of them are yours. So definitely uh, definitely check it out in case you still have some, uh, lingering questions about your tax situation. Um, and hopefully, uh, you will find your answer there. Um, and of course, if you have any more questions, I'm always interested in finding out, uh, what they are and I would love to help and direct you to who would be the best person to talk to. So just shoot me an email if you're like, I don't know what's going on. I need some help. Shoot me an email, Jessica at jessicamorales.com and I will be there for you to hold your hand through this tough, tough time. Oh, tax season.

Um, and on that note, I guess, guess what? I do have another episode for you tomorrow, another listener series episode with Christina from Toronto, who is awesome. She shares her story of doing what's smart with her money and some not-so-smart things with her money. But she shares her personal finance journey with me. And she has some great tips, actually, for anyone who is self-employed or a freelancer, and is, you know, just having a tough time trying to figure out how to budget and come up with a financial plan when your income just is kind of up and down. So definitely an episode you want to check out if that sounds like you. So on that note, I'm gonna let you go. And I'm gonna see you back here tomorrow. Okay. All right. This podcast is distributed by the Women in Media Podcast Network.

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