Spend your tax refund: Splurge
Are you a latte lover? A cappuccino maker might sound decadent, but if you cut out your runs to Starbucks, it’s a net bonus to your income. Dying for window treatments? Pick up thermal ones at end-of-season sales and your reduced heating costs next winter will more than make up for the up-front investment. You also might want to reserve $100 for a gift that pays back in emotional dividends, such as a nice dinner out with your spouse.