Suggestions for Tax Refund

Most of you have probably began working on your taxes if you don't have someone do them for you by now. It's something I actually look forward to doing each year. If you are getting a refund, I encourage you to take that money and begin your savings journey. If you don't have much saved, put the refund back so you CANNOT spend it. If you already have an emergency fund in place, make sure you have built up your savings to a level you are comfortable with. Your goal this year should be to NOT LIVE ON ANY KIND OF CREDIT. Do not buy what you cannot afford, plain and simple. I know that I want to retire some day, don't you?