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FYI - If you drive primarily for 1099 work, you might want to keep a dedicated credit card JUST for vehicle expenses. That's what I do for my DoorDash work - everything car-related goes on one card, which makes it super easy to calculate percentages for business use vs personal use at tax time.
Smart idea! Do you still need to track miles if you do this, or can you just use the credit card statements as proof?
You still technically need to track the business-use percentage of your vehicle regardless of how you pay for expenses. The credit card just helps organize your actual expenses. If you're using the actual expense method (not the standard mileage rate), the IRS requires you to determine what percentage of your vehicle's use was for business. So you'd need some form of mileage log showing total miles driven and business miles driven to calculate that percentage. Then you'd apply that percentage to your total vehicle expenses (from your dedicated credit card) to determine your deduction.
Just want to add another perspective here - I'm a tax preparer and see this situation constantly with gig workers. The good news is you're not completely out of luck, but you do need to be strategic about how you approach this. First, DON'T just estimate or guess at your mileage without any supporting documentation. That's asking for trouble if you get audited. The IRS expects "adequate records" which means some form of contemporaneous tracking OR a reasonable reconstruction method with supporting evidence. Your delivery apps are your best friend here. Most platforms (DoorDash, UberEats, etc.) keep detailed trip histories that include pickup/dropoff locations and timestamps. Download all of this data ASAP - some platforms only keep it for a limited time. You can use mapping tools to calculate the actual mileage between locations and build a defensible log. For your $4,300 in gas receipts - these could still be valuable if you choose the actual expense method, but you'll need to determine your business use percentage. Without proper records, this becomes much harder to defend. Consider consulting with a tax professional before filing. The potential deduction savings (likely several thousand dollars) usually justify the cost of getting expert guidance on your specific situation.
Has anyone used the low-income taxpayer certification to get the $31 fee? I think if your income is below 250% of the federal poverty guidelines, you qualify for the reduced fee. You just have to check a box on the form.
Yes, I did this last year! If you're below the income threshold (about $33,975 for a single person in 2025), you can request the reduced fee. Just check the certification box in Part II of Form 9465. They didn't ask for any additional documentation - they just cross-reference with your tax return.
I went through this exact situation two years ago! You definitely don't need to pay those ridiculous fees that H&R Block is charging. Here's what I learned: 1. File your tax return by the deadline - this is separate from setting up payments 2. Since you already have an installment agreement, you'll likely qualify for a "revision" rather than a new agreement, which has lower fees 3. You can submit Form 9465 yourself directly to the IRS - the $31 fee applies if you set up direct debit payments and meet certain income requirements The key thing is that your existing agreement won't automatically default just because you owe for a new tax year. The IRS will work with you to modify the terms. I called them directly (yes, it took forever to get through) and they were actually quite helpful in explaining my options. Don't let the tax prep companies scare you into paying those inflated fees - you have time to figure this out after filing your return!
Anyone know how long the paper check usually takes to arrive? I made the same mistake but it's been 4 weeks already and still nothing in my mailbox.
The timeline for paper checks is typically 2-3 weeks AFTER the IRS attempts and fails the direct deposit. So the total timeline is usually: - 1-3 weeks for them to process the return and attempt direct deposit - The bank rejects it due to invalid routing number - 2-3 more weeks for them to issue and mail a paper check So we're looking at 3-6 weeks total from when you filed. If it's been 4 weeks, you might be getting it any day now, but if it stretches to 6+ weeks, you should check your refund status on the "Where's My Refund" tool on IRS.gov.
This exact same thing happened to me two years ago! I was absolutely panicking when I realized I'd transposed two digits in my routing number. Like others have said, the good news is your money is completely safe - there's basically zero chance it could end up in someone else's account since the routing/account combo won't match any real account. I ended up getting my paper check about 5 weeks after I filed, which was actually faster than I expected based on what I'd read online. The hardest part was just the waiting and not knowing for sure what was happening. One thing I learned: you can track the status using the "Where's My Refund" tool on IRS.gov. Once they attempt the direct deposit and it fails, the status will update to show they're mailing you a check instead. That at least gives you some peace of mind that the process is working as expected. Your $3,200 is definitely not lost - just delayed by a few weeks. Try not to stress too much about it (easier said than done, I know!).
Watch out for the tax implications if you don't withhold enough now! My neighbor didn't withhold taxes from her unemployment last year and got hit with a $3,000 tax bill she couldn't pay. The IRS put her on a payment plan, but now she's paying penalties and interest on top of the original amount. Don't put yourself in that position if you can avoid it.
I'm so sorry you're going through this difficult transition after your divorce. Yes, unemployment benefits are subject to both federal and state taxes in most states, which is why your payment seems lower than expected. Here's what you need to know: **Federal taxes**: You can elect to have 10% withheld automatically by filing Form W-4V with your state unemployment office. This is optional but highly recommended. **State taxes**: This varies by state - some states don't tax unemployment at all, while others have their own withholding rates (typically 5-10%). To adjust your withholding, log into your state's unemployment portal and look for "tax withholding" or "tax elections" in your account settings. You can usually change this at any time. I know it feels overwhelming right now, but having taxes withheld upfront will save you from a potentially massive tax bill next April. Many people get caught off guard by this. While it does reduce your weekly payment, it's much better than owing thousands later when you're already struggling financially. Take it one step at a time - you've got this! The tax withholding setup usually only takes a few minutes once you're logged into your account.
Natasha Romanova
When I got a random TREAS 310 deposit as an international student, it turned out to be from incorrectly filling out my 8843 form. Did you file Form 8843 with your 2021 return? If not, the IRS might have adjusted your status.
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NebulaNinja
โขThis happened to my roommate too! He didn't file the 8843 form properly and got a similar refund. When he called IRS they confirmed it was a correction based on his treaty status with Spain.
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Ethan Taylor
I had a very similar experience as an international student! Got an unexpected IRS TREAS 310 deposit for around $1,200 last year and panicked thinking it was an error. After finally getting through to the IRS (took forever), they explained it was a correction related to tax treaty benefits from my home country that weren't properly applied to my scholarship income. The key thing I learned is that NRAs can receive legitimate refunds for various reasons - incorrect withholding rates, treaty benefits not applied, or processing corrections. The important part is verifying it's legitimate rather than assuming it's a mistake. Your $1,400 amount is suspicious because it matches the stimulus payment amount, but as others mentioned, there could be other explanations like scholarship withholding corrections or treaty adjustments. I'd definitely recommend calling the IRS to confirm - better to spend time on hold than worry about potential problems later. Also, keep all documentation of this payment and any conversations you have with the IRS. If it turns out to be legitimate, you'll want proof for future reference.
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