Spend your tax refund. Because, really, you earned it.

We all do this, but for 2006, really solidify it. Don’t tell me those are out of your price range! They are worth it.

Don’t bother checking your credit report. Your lender will do that for you. Yeah, there might be a couple of problems and you might end up paying a higher interest rate on that mortgage. And...

The modern-day equivalent of shoving money under your mattress is your checking account. Any way you can get to it with your ATM card. Easy access. And there you’re guaranteed to get returns that might...