Tax time is both exciting and scary for many individuals. I know that for me, tax time is both of those things, at least it was this year. I worked more last year as a self-employed freelance writer than I ever have before, so I knew our tax situation would change. We also purchased a home last year, which further added to a new tax situation. Our refund was not as much this year as it has been in the past, which I understand since I did not pay quarterly taxes on my earnings. However, we are expecting a refund, and I know some people end up owing, so I am just thankful to be getting something back.