Well the blessing is that I have little debt.
I first paid off an American Express Credit card of about $500+.

It was easy for me to than spread the remaining refund tax dollars to different accounts. I put some in my money markets, IRA account and my checking account. I have allocated funds to use for personal fun things.

I also set aside funds for my church and other charitable donations. I believe it is also important to use the dollars for other than your on personal needs.

I challenge us to manage or rule our money and not allow it to rule us. I am working on myself daily in this area.

Thanks for allowing me to share. Enjoy you refunds!
God Bless, Voni

You say I have so many bills to pay when I get my refund and at this rate, I will never save anything, Just open an Savings and deposit it!
Meet w/your bank's loan officier & tell them pay depts - borrow (1000) use savings as collateral. W/most banks its that easy, (if you get 3,000), keep the loan at 1000, and do 3 loans at different times, for 12 - 18 mos pmts are 85.00 a mo. for a yr, use the money to pay your bills, get your CR report from bank, they'll get one when they do your app, - dispute debts that are not yours or old, they have to verify within 30 days. end of the yr, loan is pd, money is still in savings,- credit score will increase 15-20 pts. for a repaid obligation. My credit was 580 3 yrs ago, score now is 720, and a savings . Note, if you don't have income to make the pmts. you can open another savings, dep your loan, and take your pmts out of that acct, that way you are building your score, with no risk. Good luck,high credit scores open a lot of doors!!

Hopefully, I will have a healthy mouth after my dental work is completed. I have always had bad teeth and I always hoped for nice looking healthy teeth. I have always felt self- conscious because of the way my teeth are; I have always felt unattractive because of same. I hate to spend the money on myself, and if it were a simply cosmetic improvement, I would not consider it a worthwhile investment. However, in my case, my gum health as well as my teeth health are at stake. I hope to be able to keep my teeth and make the $10,000+ investment a very worthwile one. Other than that, I plan to save, save, save...

Take every income tax refund check and stick it in a savings account, money market account, IRA, etc.
Just don't spend it. Ask for a check or deposit directly into the above mentioned accounts. If your hands never touch the check and you never had the check you will never miss it. Remember you can't miss what you never had.

We received a large tax return this year. With it we paid off the smaller credit card balances and applied several thousand to our Visa. We have excellent credit, but soon after I received our refund our credit card company increased our fixed interest rate. We have never had a late fee or even come close to our limit. I called my Visa company and asked them to lower the fixed rate. They refused, so after being a good customer for over 5 years we transferred our balance to another lower fixed interest rate Visa. We will pay no interest on the balance transfer until next August. We have learned our lesson. We thought that since we had a low interest Visa, we weren't spending much on interest. We charged things we didn't have the cash for. My husband works on commission and we know that he will receive enough money to pay off the transferred amount in less than 6 months. Now we are going without until we have the cash to pay for it. What a great feeling!