Break-Up With Debt in 2013

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  • income tax, tax return
  • income tax, saving money
  • finances, income tax, saving money
  • income tax, saving money
  • saving money
  • tax, income tax

Cash Only

If it's something you truly need, use cash to buy it, but also consider any big purchases you may need to make in the future. "If you can use your tax refund to prevent a future opportunity to fall deeper in debt, then spending your windfall might be in your best interests," writes MMI. (Photo: Tomitheos Linardos/Getty Images)