Woo-hoo -- your refund from the "Tax Man"! But that giddy feeling can lead you to squander most or all of the dough on stuff you don't really need. Here are ways to make it easier to save at least some of it. Debt
Pre-pay your mortgage: Pre -pay your home mortgage. This will also save some interest payments over time.
Pay off your student loans: If you have private student loans, now is a great opportunity to pay some off. Even if they aren't private loans you can still make some extra payments to help get rid of your loans earlier!
Pay off your car loan: Pay off all or at least some of your outstanding car loan. Make sure the payment goes toward the principal.
Savings and Investing
Put it into a high-yield savings account: Sock it away and earn better interest than you would n a brick and mortar bank.
Start a small business: It doesn't take a lot of money to start up a small side business. You could even try your hand at creating a website!
Build your emergency savings: If you don't already have 8-12 months of emergency savings away then now would be a good time to start!
Fun, Family, Enrichment
Vacation: Take the money and run! Ok, maybe not like that but it could be a nice chance to plan out a great vacation with the family!
Fix up your home: Paint, renovate, upgrade appliances, get new furniture - make your home a nicer place to live in.
Set up a fun money account: Take the refund and put it into an account. Label it fun money. Throughout the year take money out to do things like go to the zoo, amusement park, museum, movies, etc...
Donate to a charity: Give money/time to those who need it more!
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