April has rolled around again, and if you are lucky enough to get a refund, let me make a suggestion about how you might use it.

Use the windfall to jump start savings toward the down payment for a home.

During my work as real estate agent, the number one lament I hear from potential buyers is about down payments. How on earth does one save up 20% of the purchase price? Here is a little secret: most home buyers only put 5% down . . . so your tax refund (which I hope you receive) can be a substantial portion of a down payment.

On the subject of taxes and home ownership, owning home provides some substantial tax breaks. You can deduct the interest you pay on your home mortgage, for instance.

So keep your chin up! The 15th may help you get started on a new tax defying strategy, owning your own home.