If the idea of being practical with your money is killing you, that may not be an unreasonable feeling if you always work hard and never seem to get a break. On the other hand, maybe you always feel behind financially because you never do smart things with your money. Still, if you’re conflicted, you could split the difference.
Most experts suggest taking 10 to 25 percent of the refund and using it for fun, such as a vacation or shopping spree.
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