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Smart Money Tip: Plan To Use Your Tax Return

Plan now to use your tax return to your benefit. Pay down existing debt, build up your emergency fund, fund your IRA, start a vacation savings account, make home improvements, donate to a local charity, support a local small business.

DO THIS TODAY: Make a plan to allocate percentages of your tax return to your most important financial goals. Then, when the money hits your account, there’ll be no remorse over unnecessary spending on things that matter less to you.