It's the last minute, and you still have time, but try not to wait to the very, very last minute. It's not time to panic; it's time to get to work.

People think they have even more time, and they're putting it off even further.

It's better to file an extension than do something so fast that you make mistakes.

If I'm going to be the nagging mother type, if you have a lot of debt, especially high-interest credit-card debt, pay some of that off with your refund.

You want to make sure that when you do finally sit down to do your taxes, you aren't missing something crucial.

You're wrapping up your 2005 tax return and are in the mind-set to think about what you did right this year and what you did wrong.