BOSTON (CBS) – Too many treat their refunds as a windfall. It is not. It is a return of YOUR money. You allowed your employer to withhold too much money last year and you are just now getting it back.

The average refund this year will be around $3,000 and 75% of taxpayers will get a refund.

So what to do with that refund? Well as you all know I usually recommend the practical stuff. So don’t even think about rewarding yourself with those dollars if you don’t have an emergency fund or if you have credit card debt! [read more]