Start at www.IRS.gov. If you access these services from any other location, you will not be able to use them for free. Click on the Free File link on the home page.

Gather your tax documents before starting to use Free File, including pay stubs, W-2s, 1099s, etc. Free File will let you complete your return over multiple days, but it will take you longer if you have to keep going back for information.

When you click on the [Start Now!] button, you'll see a list of companies whose software you can use to complete and file your return. You can choose a company immediately, or have the IRS ask you questions to help you narrow your choices.

Choose a service as you would a doctor. Ask friends to refer you to one that they've found reliable. Look for a name you trust and read the description of a service before you choose it. If there's something that strikes you as bad, choose a different service.

Be prepared to do it yourself. Using Free File will be straightforward for many taxpayers, but some people may run into problems and need help. If you ask for help, you may incur a charge.

Don't be surprised if there is an additional charge. All Free File participating software companies can get you through a standard filing for free. However, there may be additional items that cost money. According to the Free File Alliance's rules, you'll know in advance before using a fee-based service. You can reject the fee by not using that service.

Some services have accountants who can help you through tax questions (usually for a fee), but the IRS does not require the service providers to have any accountants on staff.

Expect to provide private information. The first step after you select which software you'll use is usually to register with that provider, using your name, address and Social Security number. This allows the provider to save your information so you can complete it in stages and ensure that your information is kept together and submitted properly to the IRS.

If you don't qualify for the service that you've chosen, you'll be given an opportunity to go back to the IRS Web site. Use it.

Make sure that you type the correct Web address to start. Don't use .com or .org. It's irs.GOV. This is important since you'll be providing private information and want to make sure that you don't give it to others posing as the IRS.

-- David Radin