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#1: Buy Yourself a Little Something

The key word here is "little." Please do not make the mistake that so many others do and blow your refund on a spending spree you will regret later.

But you don't have to completely deprive yourself either. In fact, sometimes that can make the siren call of that money even louder! So take a little of your refund and treat yourself–to a facial, that new outfit you've had your eye on, to a nice dinner out with the family. But keep the dollar amount small and PAY CASH!

Next: Put a dent in your debt