It’s that time of the year again where you’re stressing about filing your taxes on time. When you finally receive that refund check in the mail, it might be tempting to treat yourself. But you should think of it as money that should have been on your paychecks to begin with, and not as a bonus. Review your current financial situation and then allocate where your refund should go. Here are some tips and tricks to get the most bang for your buck.

Student loans can be a huge burden, especially with high-interest rates these days. To pay them off quicker, refinancing your student loans can make a huge difference! It’s hard to focus on your future financial growth with debt tying you down and companies like Earnest help you consolidate your debt all in one place. You can find out more information on how to do that here.

Even if you know your stuff, don’t be afraid to get professional advice by talking to a credible financial advisor that can find possible missed deductions and opportunities. With the right amount of organization and planning, tax season will become a breeze!