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Spend it!
Spend it!
This year: Down payment

Last year: Paid down credit card debt

Kristen Hinman, Long Beach, Calif.:
My husband and I are putting our refund towards a down payment on our first home, a condo in Long Beach, Calif. We are in contract now and expect to close in about two weeks.

NEXT: Save it!
Last updated March 10 2011: 1:24 PM ET
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