What should I do with my refund?

482

I've never got a refund till this year and I'm still waiting for it thinking about what I can buy I'm gunna get a truck and take care of my credit I've already been working with Lexington law and I can tell u this they have already got my debt from almost $ 2.600 in medical bills to 800 and too my credit scores way up and it's super affordable for anyone with a job bro. Best phone call I ever made and they got payment plans I only paid like 65 bucks a month for them to fix my credit report and my debit lol hell yeah I'm going to do that and when I lost my job they stayed on my case for like 10 bucks a month but r there worth more than what ur paying for and everytime they fix something on ur debt I got a notification that my credit score went up. In 3 months of **bleep**in with Lexington law my score has gone up 30 or 40 points but they got rid of over almost 2000 dollars in medical bills I don't have money for lol anyone looking to get ur credit and debt in order call Lexington law hopefully I don't get in trouble for putting their name out there like this but if it helps anyone looking for help these r the people who can do it 

Why is my **bleep**ing refund so low this year I should have 4000 why in the hell I just got 500 back wtf is this

Pay off some my bills.

pay my bills.  think GOD.

Get rid of that cc debt for sure. You’ll enjoy the breathing room.

send me a check

1) Pay Rent 

2) Pay Utilities

3) Pay any Credit Card Bills

4) Pay any Healthcare Bills

5) Save towards Emergency Fund - Figure out what 6 months of your living costs are and put it aside in a different bank account that you never touch

6) Max out your Retirement Accounts

Here’s what works for me:
Do not associate pieces of income with particular expenses. Just add up all income for all sources and make a plan for what you’re going to do with all that money. Every month has irregular income from rebates, OT, tax refund etc, and every month has irregular expenses. It’s easier to add up all the incomes into one number and then decide what to do with that entire amount.
Write down the simple plan of how to spend your money because if it has more than a few items it’s hard for your brain to store it. Your brain should be used a) to think up creative ways to get the things you want with limited money and time and b) ways to make more money. Your brain is much less effective than paper at keeping track of lists.

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