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Uncle Sam is sending out $330 BILLION in tax refunds this year. A poll out this week revealed that people plan to be more frugal with their tax refund in these tough times. We hope that's true, but at an average of $2,705, those tax refund checks can really burn a hole in people's pockets!

If you are one of the millions of taxpayers expecting a check, we want to tell you about 10 smart ways to spend your tax refund wisely. We think you'll be very surprised by tip number one!

Next: Go ahead and splurge