Hi Gurus
Thanks for reaching and the help, in advance.
I only had a bit income this year (3800$) which I only found out when I got my 1099-G.
I thought I could put it IRA ( probably good time to start saving). As I am trying to file (using one of the free sites) I found out that my max limit for IRA contribution (till April 2014) for 2013 is Nada (0).
Found out that contributions can not be more than earnings.
So my question is my earnings are 3800$. What can I do to put that in IRA instead of wasting on you-know-what?

Any pointers help would be greatly appreciated.

Regards
N00b.