Stumbled upon another cool site that is very timely. It's LivingonaDime.com. Why is it so timely? Because not only does it have lots of great tips on saving money, budgeting, and organizing, it has an article entitled "What Do I Do With My Tax Refund?" Unfortunately, my tax refund is already spoken for. It will go to pay off debt. But for those of you who don't already have plans for your refund, this article might help you decide what to do with it.