The average tax refund is around $3,000; that’s a nice chunk of change! However, it’s a dilemma every year for many folks. Should you invest it? Should you enjoy it?

While there are several good ideas on how to put that money to use, let’s look at several things that it’s best to avoid:

4. Forget about self-improvement. 

While this topic might be far from your mind when you receive your tax return, self improvement could be your ticket to the life you’ve always dreamed of.

Consider taking a class or hiring a mentor.

Maybe you could use a computer to start a business.

Perhaps you need a new attire to go out and find a great new job.

Invest your tax refund into bettering yourself!