Do you do your own taxes, or do you hire someone to do them for you? I've always had mine done professionally at Liberty Tax or somewhere like that and had the cost taken out of my refund. The past few years, though, I have done them myself. This is because I have to pay in and want to save as much as possible. I use TurboTax, which you do have to pay for, but it walks you through the whole process and makes things easier because I have to put in business expenses/deductions and such.