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Say it with me now: getting a tax return is not something you should be looking forward to.

While you might think that a return is extra money you didn't plan for, in reality, the government has been borrowing your money interest free. They're only returning what you overpaid in taxes.

Everyone has a different mindset on dealing with taxes. Some like the "forced savings" of overpaying the government, while some like the idea of underpaying taxes.

I'm not going to tell you where you fall, but if you've received a big tax return this year, make it a priority to take back your salary.

Change your witholdings so that you're paying less and taking home more.

You'll start to get more of your salary every week and realize just how much the government is taking from you.

But here's the kicker: don't change your lifestyle.

Just because you have more money in the bank doesn't mean you should spend more money. You've been living with less cash in hand and you should try continue living like that. Use your "new" money for savings — whether it's in an online savings account or an investment account.

Now you'll be accruing interest on the money the government was borrowing interest-free. And you'll feel richer for living a lifestyle within your means.

If you haven't done it yet, go change your witholdings first thing on Monday morning. Take back your salary today!