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Taxes on Self-Employed with low income

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I am self-employed (commission income from Internet advertising) and doing up a mock income tax return using TurboTax 2012 to see how much more tax to pay in the next several months. I pay a bit here and there during the year, then a lump sum come tax return time.

I think I am doing something wrong cuz it shows a 'refund' this time around, and I have only paid ~$500 installments in 2012. The only difference is that I made considerably less income in 2012 (less than 10k). I am also disabled at present, and get the Disability Tax Credit (DTC) on returns. Am I missing something? tx

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