The time is fast approaching for all of us to check in with Uncle Sam. You know the saying, "Nothing is certain but death and taxes," and the time of certainty is here for taxes.

Here's a list of the top five ways to make your tax season bleak. Do these things and you are certain to wish you had not.
Watch "Fixing a mistake on your tax return"

1. Don't file a tax return because you don't have the money to pay your taxes.
Always file, even if you do not have the money to pay the taxes you owe. The IRS considers not paying on time and not filing as two separate issues, and a penalty is involved for each. When you file your tax return, you have several options. You can apply for an "offer in compromise," make monthly payments through an IRS installment agreement or temporarily delay paying. Whichever is best for you, contact the IRS right away to let them know you cannot pay. You should pay as much as you can when you file though, because the IRS assesses penalties and interest on the amount not paid. Watch "Odds of being audited"

2. Ignore those letters from the IRS.
Do not ignore mail from the IRS. If you owe taxes, the IRS will collect. People who do not communicate with the IRS about their inability to pay can expect a "Notice of Federal Tax Lien" to be filed against their property. In lien terms, this is a lien about the size of Alaska. Few carry more weight. The lien attaches to all your property, including your house, car and any future property you might obtain. A levy, which is a legal seizure of property to satisfy a tax debt, is another legal means the IRS can use to collect taxes. This means the IRS can seize your car, boat or home and sell it to satisfy your tax debt or it can place a levy on your wages. More good news is that these liens often stay on your records long after the issue has been resolved or until the IRS gets around to removing it. So they're also a gift that keeps on giving!

3. Pay your tax bill with a high-interest credit card.
Although this is a better approach than not paying your taxes at all, you should investigate the best way to borrow the money. Compare the interest rate of your credit card with that of a personal loan from your bank or credit union. The idea is to incur the least amount of interest owed. Try to pay off the loan as soon as possible and do what you can to avoid the same situation next year. To pay your taxes on time, you may need to adjust the withholding on your W-4 with your employer or put aside money each pay period in a savings account. Watch: "Paying with plastic"

4. Get a refund anticipation loan.
Your impatience could cost you more than you realize. Refund anticipation and paystub loans are advertised heavily at this time of year. What the advertising does not tell you about are the fees and steep interest rates associated with these short-term loans. Depending on fees and the amount of the refund, a finance charge can be the equivalent of a 100 percent annual percentage rate. Also, don't forget this is a loan; if the IRS turns down any deductions or credits on your return, you will still be responsible for the full amount of the loan. You do have other options, such as filing electronically if you have a checking account. You can expect your tax refund to be deposited in your account in 10 to 14 days. Another option is to wait approximately four to six weeks to have your refund check mailed.

5. When you get your refund, spend it as quickly as possible.
Spending your refund may not be such a good idea, no matter how tempting. If you have large credit card debt, inadequate savings or a limited retirement fund, a better use of your refund may be to pay down debt, open a savings account or establish an IRA.

Obviously, I hope that you do not engage in the above bad practices. However, if you have already misstepped, make sure you know your rights as a taxpayer.