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Top 25 Ways To Invest Your Tax Return

By Homesteading Mom / January 22, 2013

wall streetWhen people think of investing, many people think of Wall Street, 401Ks, IRAs, mutual funds, and financial advisors to help us navigate these turbulant waters.

Tax time is also upon us. Many people are anticipating getting back some portion of what the government collected in taxes throughout the year in the form of a tax return.

For a lot of folks, this is the only time of the year where they have several thousand dollars available for investment. But, how to invest this money is often a cause of stress. There is obviously some risk involved with any investment, and that risk makes people uncomfortable.

If you have been considering talking to a financial advisor to invest your tax return money, I’m going to ask you to ask yourself just one question:

Do you trust this system with your money?

Do you trust it? Do you trust the big, bailed-out banks? Do you trust the financial advisers who didn’t see the recession coming before it hit? Do you trust these people and institutions with your money?

If you do, great. Personally, I don’t.


You’ve worked hard earning it. Let it work for you now.

Instead, I choose to allocate and invest our household’s money into things that provide greater stability and security for our family, no matter what is happening in the economy. I want life to continue with a high quality of life, no matter if the value of the dollar is falling.

Anything that helps reduce your dependence on debt, utilities with recurring bills, prepackaged foods, and could also be turned into an income generating activity is a good investment to me. After talking with some like-minded friends, I came up with a list of twenty-five solid ways that the tax return money that really pay off. Isn’t that what you really want in an investment?

In no particular order, here are my Top 25 Ways To Invest Your Tax Return

  1. Pay off a debt.
  2. Join a local, organic Community Supported Agriculture (CSA) farm.
  3. Order a pasteured cow from a local farm (1/2 cow feed our family for a year).
  4. Buy a storage freezer.
  5. Buy a pressure canner and canning jars.
  6. Order seeds to grow food and herbs.
  7. Buy a dehydrator (solar preferred, electrical if you live in a humid area).
  8. Invest in raw land.
  9. Buy a solar oven.
  10. Buy archery equipment for hunting.
  11. Invest in a quality hunting knife.
  12. Buy materials to build a green house and/or cold frames.
  13. Plant fruit trees, berry bushes, and fruiting vines.
  14. Take a sewing class.
  15. Install a well on your property.
  16. Invest in rainwater catching barrels for your garden.
  17. Raise chickens for eggs.
  18. Raise rabbits for meat.
  19. Switch to a new and efficient wood or pellet stove.
  20. Buy a meat grinder.
  21. Invest in a back-up generator.
  22. Install a solar hot water heater.
  23. Install a small solar array and battery back-up system.
  24. Start your own business.
  25. Save it.

And there you have it. Thirty great ways to use your money in a manner that will provide for you no matter what the economy is doing. Some of these items are obvious, like solar panels or a well, that you buy once, and free you from a monthly bill.

Freedom from rising food prices!

Freedom from rising food prices!

Others may take a bit of explanation, and I will be spending time over the coming weeks to come back to this list and explore each one more fully. For now, just take a look through it, and see if anything stands out to you. Do you have any additional ideas? Please post comments in the comments section below!

About the author

Homesteading Mom

Homesteading Mom is run by Cat Ellis, an herbalist, prepper and aspiring homesteader. Cat is the author of two books, Prepper's Natural Medicine and Prepping for a Pandemic. Cat Ellis also blogs at KetoCat.com, HerbalPrepper.com, and TheOrganicPrepper.com.