Reblogging an article I posted exactly one year ago to remind us all of the smart things to do with your 2012 tax refund!

I’ll be doing 1, 2, & 3… How about you?

CHEERS to financial literacy!

alice, je t'aime

With Tax Day officially behind us, I thought I’d put together a list of things to do with your tax refund. Remember… Your tax refund isn’t some sort of magical windfall — it’s your money, and you worked hard for it. Do something smart with it.

1. Start an emergency fund. If you don’t have an emergency fund, consider opening a high-yield savings account and depositing your windfall for a rainy day. While it might not be enough to create a full-fledged emergency fund, it’ll be a good start. And if you already have an emergency fund, consider adding to it.

2. Pay down your debt. Whether it’s credit cards, an auto loan, or a student loan, you need to get that monkey of your back. So add your windfall to your debt snowball and keep on digging.

3. Invest in yourself. Use the money to cover tuition for…

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