Zina Kumok is a writer for TraditionalIRA.com and RothIRA.com specializing in personal finance. She started covering personal finance while blogging about paying off $28,000 worth of student loans in three years.
Spend or Save: What Should You Do with Your Tax Refund?

Tax refunds can be a great way to score some extra cash. However, it can be difficult to decide between being responsible with the money and splurging on something new. Here is a look at the merits (and drawbacks) of both options.