Spend your tax refund: Donate
Americans have been donating less, and charities are feeling the pain. Helping out your favorite cause not only makes you feel good, you get a tax deduction to boot.
Crunch the numbers: If your tax rate is 15 percent, donating $2,000 costs just $1,700, since you get $300 back next year. Use the calculator at charitynavigator.org to figure out how much you will save.