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Wisdom in spending your tax return

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Pay day is here, thanks to the IRS!

While the average tax refund decreased by 8.7 percent compared to last year, some people still got a large chunk of change – an average tax refund of $1,949.

Consider spending your refund wisely, especially as tax laws change.

• Start an emergency fund or pay off your highest-interest debt. Don’t put it in your checking account.

• Invest or put it toward something you’ve been saving for. Don’t buy something you don’t need.

• Pay it forward by donating it or give yourself a small reward – aim for 5-10 percent total.

– Robin Rectenwald, WordWrite

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