I know there is nothing exciting about this suggestion. I know it is a nitty gritty practical idea but it is a good use of your refund. I do know you would like to reward yourself in some way with that refund but also know that getting out from credit card debt is a very good thing!
The nation’s credit card debt is almost $860 billion, that’s with a B. The average household debt appears to be $7,000, but many consumers don’t carry the debt month-to-month. Those who do average $15,000 a household.
Use your refund dollars to start paying down your debt! Pay off your credit cards and take a pledge that you won’t let it get that high again. Look at your cards and pay down the one with the highest interest rate first.
If you are carrying $3,000 on a card with a 19% interest rate you have just saved yourself $513 in interest charges over the next year "
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