When you receive your tax refund A.K.A – a big lump sum of money – how do you plan to use it? Do you first think to save it all? Go on a big trip? Pay off credit cards? Get your pool re-plastered? It’s hard not to start thinking extravagantly on what you could be doing with all of it. Whatever it is, there needs to be a strategy involved so you can make the most of your tax refund. Tax Tiger, an IRS tax attorney in Minneapolis, discovered several ways on how people commonly spend their tax return, but probably shouldn’t. So, if you are one of the 77 percent who received a tax return, here are a few of those ways that you should avoid using that money towards.