T-Day has arrived people. Hope all you Johnnie-come-lately’s are planning on taking the day off to complete your IRS, state and local tax commitments because you’re going to need every hour left in this day to get them in on time.

I know, you think you’re hurting Uncle Sam and all your other tax aunts and uncles by making them wait. Stop fooling yourselves. You still have to give it and they really don’t care when you do so. You know why? Because if you’re late they are happy to tack on late fees and get even more tax revenue from you. I can assure you you’re not impressing anybody. You’re only inconveniencing yourselves. Don’t believe it?

Here’s a couple of ways the pain is going to work out for you today. Some of you are doing your own tax forms for the first time and being late-nics you’re going to make errors. The IRS is going to kick it back to you for a do over, guaranteed. Others of you are going to try various online or customer service options to pay your tax bill with your credit/debit cards and discover that you have an issue of some sort and you are going to spend at least an hour on the phone trying to get it resolved so that you can get the bill paid. You can plan on joining millions of others in the phone line today who also fooled themselves into thinking they were making some kind of point to Uncle Sam, Uncle City, Uncle County and Uncle State.

Hope you get it in on time. Unfortunately many of you can count on having a very bad day today. Take my advice. If you’ve ever read any of my previous posts on good banking habits the same principles apply here. Next year go ahead and file your forms two or three months ahead of time so that if you do have any issues you have plenty of time to correct them. Again, nobody is impressed with you waiting til today people. You and the customer service people are the only ones who are going to have headaches. The government entities are sitting back laughing anticipating all the extra income they will get from you so take a deep breath, be patient and call it a lesson learned.

Now I’m going to work to process tax payments – LOL. Happy Tax Day America.