'No more fine dining!'
Daniel Richards and his wife Hermelinda Richards.
Daniel Richards
Refund: $2,400
Occupation: Eighth-grade science teacher
Current city: Corona, Calif.
Over the past year, I was forced to close my construction business because of the declining real estate market and take a $30,000 pay cut to go back to work as a teacher, while my wife was unemployed.
My wife and I declared bankruptcy in June, short sold one of our homes and are trying to get a loan modification on the other house we own.
So what are we doing with our refund? Saving it! No more Dish Network, no more fine dining, no more new cars, no more buying anything at retail prices. Goodwill, auctions, deeply discounted sales, here we come!
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