✅By fixing your credit you’ll save throughout the year. (low interest, low payments ..etc) ✅Paying your bills in advance will take the stress out of life and give you room to relax ✅ If you don’t already have one, a reliable vehicle will get you places! Including to a NEW JOB that may be better! ✅ Start a business even if it’s very small an extra $2-300 helps out! ✅Stop paying someone else’s mortgage! It’s your turn! Use your refund as a down payment!