increasing savings

It’s tax time and according to CNN Money nearly 8 in 10 US tax filers will receive a refund this year. If you are one of these people, you may be wondering, “How should I use my refund?”  I have heard so many stories of people who had been delaying a repair or the purchase of a need during the year, but when they get their tax money they splurge on a want.   When that happens that major repair or need doesn’t get addressed. I know others who have no savings or high credit card debt, but instead of…