When most people get their tax refunds, they just can’t wait to swipe their cards and start spending. They usually don’t realize that the money is only temporary and can go away fast. Instead of going on vacation, buying a new wardrobe, or having a night out on the town, we should think about the ways money can benefit us the most.  First, we should consider if we have any debt. We should consider which debts we want to pay first. It all depends on you, you can either take on smaller debts first or you can try to knock out debts with higher interest rates. Next, you should invest in yourself. This could mean signing up for a class, learning a new skill, getting a certificate, and etc. If you don’t have a side hustle already, your tax returns can help you get one. You can start a small business, an online blog, or you can try out photography. Most importantly, you should save some of your money. You never know when you’ll need it for a rainy day.