You have a few debts; if you get a tax refund, it might pay you more to pay down your debts. If you owe less than you get back, pay off your credit card debt and play down your car loan. You will save long term, on the interest rate. Always look at the interest you’re making on any saving verse what you will pay on interest on your debt. Your debts charge you more than your savings pay you, always pay your debts before you save.
I hope this is useful.
