Pay Dirt!

Yes, savings. I believe in the idea of savings, but the reality is, I’ve spent many years counting nickels to get through the week. This is not the place to read about investment comparisons or which places offer higher yields — the folks for whom those places are yielding have much higher incomes than I’ll likely ever see. And maybe every cent of your refund is staving off starvation or homelessness. Maybe you need to pay several months rent up front because your job isn’t paying the bills and you need the breathing room to find something else. Been there. But if you’re only mildly desperate, then take 10 percent or a couple hundred bucks off the top, shove that cash in an envelope, seal it and hide it deep. Forget about it until something makes you need it so badly you remember. (Maybe invest in a small fireproof safe, too? Good for birth certificates and social security cards!)

And, always, always remember those less fortunate than you. Donate to Doctors Without Borders or Betty Chinn’s Blue Angel program, Food for People or Miranda’s Rescue — whatever charity’s work most appeals to your heart.

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