Smart ways to budget your tax refund powered by Bigdoggpinc

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Smart ways to budget your tax refund

(BPT) - Tax season is here, and many Americans are eagerly awaiting their tax refunds. While it might be tempting to splurge on something fun, there are other clever ways to use this extra cash to improve your financial budget this tax season. Here are three savvy tips to help you budget your tax refund:

1. Opt for a budget-friendly phone plan

Consider using your tax refund to switch to a more affordable and flexible phone plan. There are various no-contract plans available that can help you save money every month. For instance, you can find deals offering 50% off your Total Wireless 5G Unlimited plan when you bring your own phone and sign up for Auto Pay*. This means you could get one line for just $25 per month, with taxes and fees included, guaranteed for five years.

By cutting your monthly phone bill in half while still enjoying unlimited wireless data, talk and text, you can redirect those savings toward other financial goals.

2. Strengthen your emergency fund

Think of your emergency fund as a financial safety net. Life happens — whether it's an unexpected car repair or a medical bill, having some extra savings can keep you from going into debt. Savings can start small, and for first-time savers, it can be daunting to put away money. What's important is to start somewhere and sooner rather than later. Aim to save at least three to six months' worth of living expenses.

By doing so, you'll thank yourself for being prepared for those unexpected moments and avoid the stress of crunching numbers.

3. Make home improvements

Your home is one of your biggest investments, so why not put some of your tax refund into making it better? Consider using your tax refund for necessary repairs or upgrades, such as fixing a leaky roof, updating your kitchen, or adding energy-efficient appliances. These improvements can save you money in the long run and prevent small issues from becoming bigger problems.

It will also improve your living space, making your home more comfortable. Additionally, these enhancements can increase your home's value if you decide to sell or rent it in the future, allowing you to reap the financial benefits of your improvements.

4. Invest in your future

Your tax refund could be the perfect opportunity to set yourself up for long-term success. Whether it's contributing to a retirement account, such as an IRA or 401(k), it will help you prepare for the future without the worry of not having a fund to rely on.

In addition to retirement accounts, investing in your future can also mean investing in your education and professional development. Enrolling in classes and courses can help you advance your personal learning as well as career aspirations. Many universities and colleges offer in-person or online courses that can fit best into your schedule.

These investments can yield long-term benefits, helping you achieve financial stability and career growth.

By wisely using your tax refund and exploring cost-effective options, you can enhance your financial budget. Plus, you'll have more peace of mind knowing you're making the most of your hard-earned money!

*Disclaimer: Offer applies to new customers who activate on a BYO device. Single-line customers on the Total 5G Unlimited plan or higher must enroll in Auto Pay to receive the full promotional discount, which applies the month after enrollment. Available exclusively online and in Total Wireless retail stores. Bring Your Own Phone requires a compatible, unlocked device and SIM. Additional terms may apply. Check compatibility at https://totalwireless.com/activate.byop.landing.serviceprovider.

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Closing the Tech Gap: Empowering Women Through Upskilling and Mentorship powered by Bigdoggpinc

I am your Eyeball Acquisition Specialist. Success in life, in anything, depends upon the number of persons that one can make himself agreeable to. US online shopping has been growing in popularity over the past few years, as evidenced by the increasing number of people choosing to purchase goods and services over the internet. Bigdoggpinc is helping solidify trust from gaining your confidence 1 person at a time if I have to.

Closing the Tech Gap: Empowering Women Through Upskilling and Mentorship

(BPT) - In a world driven by rapid technological advancements, the underrepresentation of women in tech remains a pressing challenge. This Women's History Month, with the theme "Moving Forward Together! Women Educating & Inspiring Generations," celebrates women who have paved the way for education, mentorship and leadership, while recognizing the need to inspire and prepare the next generation of female leaders to thrive in technology fields.

DeVry University is committed to bridging the gap between education and career readiness, a mission that embraces empowering all learners including women to break barriers in technology. Through initiatives like the Women+Tech Scholars Program and HerWorld, DeVry provides resources such as mentorship, scholarships and hands-on experiences to help women and girls succeed in digital fields. These efforts align with the need to address the talent gap in tech that exists in the United States.

Scarlett Howery, Vice President of Public Workforce Solutions at DeVry, is a passionate advocate for creating pathways to success for adult learners. A first-generation college graduate with an MBA from Keller Graduate School of Management and nearly 20 years of experience at DeVry, she leads innovative programs and partnerships designed to prepare students for the workforce.

In this interview, Scarlett shares her insights on the current state of women in technology and how higher education can play a pivotal role in supporting women's aspirations in this field.

What does Women's History Month mean to you?

It's a time to honor and celebrate the women who have made an impact and to renew our commitment to empowering the next generation to achieve their full potential.

According to the Women in Tech Network, women make up just 35% of STEM employees in the U.S., and as of 2025, only 8-9% hold leadership roles. How do you view the progress women have achieved in technology fields, and what steps are still needed to drive further change?

While women in STEM have made incredible strides, bringing unique perspectives and trailblazing innovations in their fields, the data highlights the persistent challenges they face, particularly in leadership roles. Women bring diverse skills and unmatched curiosity to technology, but we need to continue creating pathways that support their growth—ensuring not only equitable representation but also leadership opportunities that recognize their invaluable contributions to the industry.

DeVry's own research Closing the Gap: Upskilling and Reskilling in an AI Era revealed significant gender disparities in perceptions and understanding of AI. For example, men are over 50% more likely than women to believe AI will open career opportunities, and while 55% men rate their AI skills as intermediate or higher, only 41% of women feel the same. What do these findings reveal about the challenges women face in technology, and how can we address them?

The data underscores a critical challenge. While AI continues to shape the future of work, women are at risk of being left behind without targeted support to close those gaps in understanding and skill development. This highlights the importance of creating accessible pathways for them to upskill in AI and other emerging technologies. Women bring essential perspectives to the workplace and tech industry, and by empowering them with the right training, we can not only help them thrive in this evolving landscape but also ensure their contributions shape the future of technology. Programs like those offered at DeVry are designed to provide accessible, career-focused education tailored to meet the needs of working adults.

How does DeVry's HerWorld program inspire girls to explore technology?

I am extremely passionate about this initiative because it's never too early to spark interest in STEM. HerWorld engages middle-school girls through community outreach and interactive workshops. We empower young students to envision themselves as future leaders and innovators by nurturing curiosity and sharing real-world experiences of women in STEM. In fact, this month we are hosting a HerWorld event in collaboration with the Boys & Girls Clubs of North Central Illinois.

What resources are offered in DeVry's Women+Tech Scholars Program?

This program is designed to support and empower women pursuing tech careers. Whether it's connecting with mentors and building your professional network, accessing internships and job opportunities or scholarships to help fund an education, this program offers the tools and community to thrive in a tech career. As a result, we have seen tangible growing interest in women learners enrolling in tech programs. To date, women account for 31.33% of the College of Engineering and Information Science students, up from 27.77%, signifying that hundreds of women are taking the leap into tech careers.

What advice do you have for women pursuing technology careers?

Don't let outdated perceptions hold you back. You can achieve your goals in technology with determination and a passion for learning. Many women have paved the way—now it's your turn to break barriers and shape the future. Keep pushing forward and remember that every step you take brings you closer to making an impact in this exciting field and beyond.

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