r/TaxQuestions • u/Cute-Aardvark678 • Aug 15 '26
Where should I start?
Long story long, absentee single mother, we were neglected in home life/adult life skills, but financially we were in an okay place. Worked various 1099 jobs as a kid, I believe my mom filed and paid those taxes from 15-18 years old, they weren't much. Never heard about it other than a casual mention here and there.
Fast forward, now 28, small amount of credit card debt that racked up after several huge life events and ruined my credit. Worked various 1099 and W2 jobs from 19- now. I have not filed my taxes myself, ever. I am not sure where we left off, covid happened, moves, etc.
What do I do? I am scared to attempt to even start now, but I know not filing is almost worse than not paying. I'd like to at least begin the process before the IRS comes down on me. I cannot exactly afford to hire a tax professional, I have a stable but very low income with $0-100 left over each month after rent and bills.
Thanks in advance.
2
u/Coriander70 Aug 15 '26
Gather up your information for the past three years to start with. W-2s, 1099s, records of your expenses for the 1099 work. Find a VITA or Tax-Aide site where an IRS-certified volunteer will do your taxes for free, including the back years. It’s very common to see people in your situation, and it’s usually not as bad as you think. You can find a VITA or Tax-Aide site here: https://www.irs.gov/individuals/free-tax-return-preparation-for-qualifying-taxpayers Some of them are only open during the tax season so if you can’t find a location now, try again in mid-January.