If you have some credit card balances left over from Christmas, pay them down or pay them off. In the long run you're not only gaining peace of mind, but you're saving on interest charges.
Invest the refund money in durable goods. If you anticipate the need for these items in advance and use your refund money to upgrade or replace, you're avoiding having to purchase the item on credit later, when an emergency hits.
This website focuses on proverbs in the Swedish, Danish and Norwegian languages, and some parts including the links below have not been translated to English. They are mainly FAQs, various information and webpages for improving the collection.
This website focuses on proverbs in the Swedish, Danish and Norwegian languages, and some parts including the links below have not been translated to English. They are mainly FAQs, various information and webpages for improving the collection.