How many of us are getting tax refunds?
Put that to use, as opposed to buying a PS3, or an XBOX 360, put some of that money to work for you. Either buy some mutual funds, partially fund a Roth IRA, or buy stock you have been looking at. Instead of having your tax refund make you spend hours in front of the TV vegging out, or have a killer time at the bar one night, put that money away and make it work for you. It was probably money you did not expect to be receiving in the first place, so it will not be as painful to kick start your savings.
Or maybe you don't want to start investing just yet, but you want to put it away for a rainy day...then e-mail me and Ill send you an invitation for ING Direct, put $250 in ING, and right away you'll get a 10% gain as you get a $25 bonus for opening an account.
Maybe you aren't getting $250...how about $100, put that in Virtual Bank, you'll get a 20% bonus right away.
If you want, take a look at share builder and use that bonus code to make an easy $50.
If you have any questions on any of the options above, shoot me an e-mail or post a comment.