The last-minute tax deadline links you need to know

Monday at 11:59 p.m. is the tax filing deadline for most of us. And if you're going to miss it, let's mitigate the damage.

I'm not going to make you feel guilty for missing this annual deadline. Life gets hard, but here's the good news. If you are expecting a refund, don't sweat it too much. The government is happy to hold onto your cash for a little bit longer. But, there is a deadline. If you don't file within three years, Uncle Sam keeps your money.

If you owe money and you're not going to get it done, file today for an extension. The new deadline will be Oct. 15. This is the form you'll need: IRS form 4868. But note, according to the IRS, it doesn't mean you get to pay late. You will need to estimate what you'll owe and get it in now or face penalties. Now, if you are going to get it in by midnight, here are four ways to pay.

FOUR WAYS TO PAY: Direct Pay, Savings or Checking Accounts, EFTPS, or Payment Plan.

Direct Pay is done through your bank account. It's a secure service that takes what you owe directly from your savings or checking account. You can pay with a debit or credit card, too. There is the Electronic Federal Tax Payment System which requires setup, but you can pay through the phone or internet. And finally, there's a payment plan option.

There are no set up fees for the payment plan unless it will take you more than 120 days to pay in full. Then it's $31. And you will pay interest and penalties for what is ultimately not paying your taxes in a timely manner. Don't - please don't - just blow it off because you can't pay it. Make arrangements.

E-filing is your best, fastest option for filing. But, you can also drop off your return at the Hapeville post office location up until 11:59 p.m. The address is 650 South Central Avenue, Hapeville, Georgia 30354.