Income Tax Withholding
Your income tax refund is not a savings account. Ideally you should be writing the IRS a $150.00 check each April 15 rather then giving the government use of your money interest free.
If you receive an EIC refund AND ARE CERTAIN you will receive one in the coming year then you should decrease your withholding to zero as you will not be paying any Federal taxes.
The IRS.GOV website is extremely useful. This is a withholding calculation program on the site that you should use to be sure you are receiving as much of your income a appropriate each month. Contact your freshstart coach if you need help with the calculator.