Never spend more than half of your refund. You can keep it all for a year and then use half of next year's refund to complete the upgrade.
If you use this strategy and continue to do this regardless of your other savings/investment plans, you will be shocked at how much you will have, and by spending half you will still be able to play with your refund.
Trust me.
If you use this strategy and continue to do this regardless of your other savings/investment plans, you will be shocked at how much you will have, and by spending half you will still be able to play with your refund.
Trust me.