We haven't done our taxes yet. My goal is to get our refund below $1000 but we haven't hit that goal yet.
I hope you find something *perfect*. The tax refund should definately help!
CookiePie: Can you fund your ROTH 2012 after you do your taxes? I thought it had to be done before in order to claim the ira 2012 on your 2012 taxes
In my case, I am trying to fund the last of my traditional ira 2012 and then I will complete my taxes. If I did my taxes now I would owe 500, once I max out my 2012 tax I will get a 1000 return. (The half shaft on my car just broke, so maxing out the IRA will take a pay period longer, but I'm still waiting for some tax forms to arrive anyhow).
I think you already figured this out, but it doesn't matter with the Roth. Why you "need" to fund your traditional IRA before filing is because you get a tax break. With a Roth, you pay taxes now in exchange for not paying them when you remove the money.
Remember that both 401(k) and IRA contribution limits were increased for 2013 :)