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spending

It's April, which begs the question how are you going to spend your tax refund this year?

(If, of course, you're fortune enough to get a refund. My condolences if you end up owing Uncle Sam.)

Bills need to be paid. And the zeroes in your student debt total should, at least in theory, keep dwindling. You should probably stock the pantry while you're at it, and make sure the gas tank is filled, too.


But if you cross off all the boring payments on your "being a responsible adult" list and still have a good chunk of change at your disposal, I have a few suggestions that could make you feel good about where your money is going.

Here are 23 seriously rewarding ways you can spend your tax refund this year:

1. Buy individual sets of flowers and visit a senior center.

Image via iStock.

Bring a friend if you like, too, and pass them out room by room. You'll definitely make (at least) one person's day.

2. Find a cool and important project helping teachers and students on DonorsChoose.

The online platform allows educators, mostly in underserved communities, to raise funds for neat learning opportunities for their students — from getting new computer tablets to providing enough instruments to create a drum line for music class.

3. Donate it to a local nonprofit helping your own community.

Big, national, or international nonprofits do vital work, of course. But there's something pretty special about seeing how the people in your own city can benefit from a little generosity.

4. Pay it forward in the drive-through line — or, better yet, the grocery store.

You've seen the viral stories of folks grabbing the tabs of other patrons ahead of or behind them in line. You could be the person who starts the next chain reaction.

5. This one isn't immediately gratifying, but ... your savings account may need some padding.

Image via iStock.

Just because something doesn't give you instant gratification doesn't mean it won't eventually be rewarding, right? Save up to pay off that loan, buy that car, be prepared for a rainy day, or be less burdened when next semester's tuition bill arrives. It'll be worth it.

6. Sponsor a person or group that has been taken advantage of by our flawed justice system.

News flash: The power structures at play in our law enforcement and justice systems favor white and wealthy people. Funded Justice is a crowdfunding platform where donors can help foot defense expenses — like legal and bail fees, for example — for those seeking a fair shot.

7. Throw a pizza party at your local food bank.

Ask the Pennsylvania man who did just that in 2016 — it's great knowing every cheesy bite is greatly appreciated.

Image via iStock.

8. Reach out to that friend you've been meaning to call and take them out to dinner and a movie.

You both deserve each other's company.

9. Chocolate.

Hey now, it's good for you. Indulge a little.

10. Give cash to a friend or family member who could really use it this month — in the form of a money cake.

Image via Jodi McKinney, used with permission.

OK, this is a bit lavish, but if you're feeling especially generous, here's how to make it, courtesy of Jodi McKinney's blog, "The Creative Life In Between."

11. Buy new socks and feminine hygiene products to give to a homeless shelter.

They're always among the most requested items, but — because you can't donate these sorts of items used — many donors don't realize how tremendous the need is. (Here are other vital products to donate you maybe haven't thought of.)

12. Donate to Meals on Wheels, then grab a friend and volunteer for the group locally.

After seeing President Donald Trump's proposed budget, the organization may need all the help it can get in the years ahead.

Photo by Justin Sullivan/Getty Images.

13. Commit to guilt-free purchases for the week.

Shopping for food, clothes, and other products that are fair trade, locally sourced, and produced by ethical companies can be an expensive, exhausting privilege not everyone can afford.

But with some extra cash on hand, try to take the leap for a few days. You may be able to work in some better long-term spending habits, too.

14. Book a solo weekend getaway on the fly.

Depending on whether you're an impulse buyer, this probably sounds either exciting or terrifying. Either way, you should indulge in some R and R. In today's 24/7, on-the-go world, recharging mentally and physically is important. (Plus, solo travel rocks.) Quick, go!

Image via iStock.

15. Donate to an organization that helps people who are particularly vulnerable in the era of Trump.

So many groups — immigrants, LGBTQ people, women, people of color, Muslims, and others — are facing a hostile administration attempting to strip away their rights and send us backward. Help them out.

16. Buy house plants and bulk up on garden items just in time for spring.

Research suggests that greening up your living quarters can actually benefit your health and boost happiness. If you're new to the plant game, maybe start out with some succulents (they practically take care of themselves).

17. Order a bunch of Girl Scout cookies for the neighbors you love or the ones you haven't met yet.

Photo by John Moore/Getty Images.

What's a better icebreaker than "Hi, here are some Thin Mints"? Another option: Hoard all of the Samoas and Caramel deLites for yourself (no judgment). Either way, you'll be supporting an important organization doing great things.

18. See if there's an Amazon Wish List registry for an animal shelter near you.

Animal shelters need lots of specific items to care for their four-legged friends — things like outdoor, durable furniture, cat and dog food, and specialized collars to keep pups (and their humans) safe.

19. Buy some Dogsbutter for your pup. Your purchase will helping another sweet doggo in need.

Dogsbutter — made from peanuts and flaxseed (minus any sugar, salt, or hydrogenated oils) — is a healthy snack for your pup they'll certainly enjoy. For each item you buy, Dog for Dog also gives an equal amount of food to a pet shelter, so dogs in need will benefit, too.

20. Buy "(R)evolution: The Girls Write Now 2016 Anthology" and help underserved teen girls pursue their creative dreams.

The book of essays and poetry was published by Girls Write Now, a New York-based after school program that connects girls with accomplished female writers, who serve as mentors. All proceeds of the book benefit the program.

21. Donate to a bowling team that's helping fund abortion access.

The National Abortion Access Bowl-a-Thon allows people to set up bowling teams and fundraise on behalf of abortion access across the country. Donate or — better yet — join a team. It's a sort of unconventional but equally awesome idea.

22. Get your neighborhood excited about books again, and snag some supplies to set up your own Little Free Library.

Once you build and stock one of these (ridiculously adorable) mini-libraries in your yard — or any other public-facing space you think might be a great spot — readers take a book from the stockpile and leave a different one in its place.

23. And last but not least: Treat yo' self.

GIF via "Parks and Recreation."

Get that flat-screen. Book that massage. Splurge a little (or a lot).

You work hard, and you deserve it.

Correction 4/12/2017: Several references to "tax return" in this article have been corrected to "tax refund."

It's not uncommon to hear about the financial struggles of former NFL players who, in spite of multimillion-dollar deals, are now living paycheck to paycheck.

It's easy to judge them, but that's ignoring a very real truth: Financial literacy is a privilege often afforded to the already wealthy, not the newly wealthy.

As Justin Tuck, retired Giants defensive end, told Reuters, "Look at the average NFL roster, and most players come from low-income families. They go from being 18-year-old kids with nothing to being 21-year-olds with millions of dollars. ... They get all this money all of a sudden, and they just don't know how to handle it."


Image via Heath Brandon/Flickr.

That kind of wealth isn't easy to manage, and when it happens in such a short period of time, at such a pivotal moment in the player's lives, it's too easy to lose control and wind up in dire financial straights.

That's part of the inspiration behind Tuck's R.U.S.H. for Literacy.

The solution to being poor isn't just to acquire more money; it's also to know how to manage and grow your money. So in 2008, Justin and his wife, Lauran, founded Tuck's R.U.S.H. for Literacy, an organization dedicated to addressing a number of issues, including financial literacy for low-income families.

R.U.S.H. stands for read, understand, succeed, and hope, and Justin and Lauran set out together to encourage those ideals by donating lots and lots of books — over 86,000 of them, in fact — to children who needed them. They wanted to help decrease summer learning loss, when kids lose a lot of the momentum gained throughout the school year.

Image via Ginny/Flickr.

But they noticed that encouraging regular literacy was only part of the equation when it came to keeping the kids motivated and invested in their academics. Financial literacy is also a huge factor. So they set out to equip students and their families with the skills, tools, and hope needed to thrive in school, college, and beyond.

Financial literacy is directly related to which kids pursue undergraduate degrees.

As explained in a 2010 Center for Social Development research brief by William Elliott III and Sandra Beverly, financial planning has a huge effect on college attendance:

"We assume that savings and wealth may have two effects on college attendance. The first effect is direct and mainly financial ... . The second effect is indirect and mainly attitudinal: If youth grow up knowing they have money to help pay for current and future schooling, they may have higher educational expectations."

Image via Tax Credits/Flickr.

The people behind R.U.S.H. noticed this link between having a college savings account and going to college. Lauran told Upworthy that in spite of efforts to even the playing field, "there were still barriers to college access. A lot of the kids — especially those that were at risk — were responding saying they still didn't think they were going to go to college. They said it's too expensive."

Seeing this problem, R.U.S.H. stepped in with a long-term solution.

Lauran and Justin partnered with a number of organizations and began seeding college savings accounts and raising matching funds. Megan Holston-Alexander, R.U.S.H.'s program director, shared that the initial "seed was $150,000, given at $100 per student. As of June 1, 2015, the accounts have risen another $40,794." And that amount will only continue to grow.

Lauran explained that the financial contributions have been supported by efforts to educate the families so that "parents and students understand why we're saving for college and so that parents understand that their money is going to be matched."

Image via Nazareth College/Flickr.

Justin emphasized to families that "if it's important to you, then you have to be prepared to sacrifice."

R.U.S.H. isn't making college free; it's planting the seed of hope and arming families with the information necessary to prepare for their children's futures.

As Lauran stated, "what keeps us going is the 'H' in the acronym, the 'Hope' piece of it. We want to provide for so many kids and families hope, where the opportunity gaps do exist. It's the hope that motivates us."

By giving parents the skills necessary to maintain financial health and enabling them to set up college-savings accounts for their kids, R.U.S.H. helps these communities to build a legacy of achievement. They're making it possible for the kids and their families to see and work toward goals that may have felt impossible. R.U.S.H. is making it possible to dream. But more importantly, it's making it possible to achieve.

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Starting a money talk can be awkward. But these tips may make it easier.

Talking to your boss, partner, or child about money? We got you.

True
TD Ameritrade

Talking about money is tricky business.

Think about it. Many of us share the most intimate details of our lives with friends and coworkers and even on social media. But money? That's still as taboo as it's ever been, and talking about it can get uncomfortable really quickly.


I know, right?! GIF via "Maleficent."

That doesn't change the fact, though, that there are important conversations many people need to have about money. Avoiding them can hurt our relationships and our financial health or those of our loved ones.

So where do you even start? And once you start, where do you go?

Whether you're cleaning the house, going to the gym, or asking someone out, no doubt the act of simply getting started can be a tough one. Just imagine having to do that with the money talk!

Luckily, we've gathered some helpful tips to get you started on three essential money conversations: with your boss, your partner, and your kids.

Tip #1: How to ask your boss for a raise

Help them help you. GIF via "The Office."

It may not seem super helpful, but the answer really is just ask (but be well-prepared, of course!).

Sounds easy enough. Yet for some reason, not many people do it. In a PayScale survey, 57% said they've never negotiated for a higher salary. We know it can be a scary thing to do, but you'll never know unless you ask, right?

Luckily, the numbers are in your favor. According to another survey by PayScale, 75% of workers who asked for a raise actually got one. Which is awesome, but don't forget to ask yourself an important question too: Why do you deserve the raise?

Once you answer that, you'll have an easier time getting the ball rolling and will be much more confident sealing the deal.

Tip #2: How to talk to your partner about money

Don't let it go here. GIF via "The Princess Bride."

The answer: honestly.

Clearly, this is a given. But when it comes to money, sometimes we need a reminder.

In a 2014 survey, one 1 in 3 adults admitted to committing financial infidelity on their partner. And that can manifest itself in a variety of ways — whether it's not being upfront about your spending habits, hiding your financial history, or just making secret purchases.

There's a reason money is the #1 cause of stress in a relationship, and arguments about money are a big predictor of divorce. But it doesn't have to be that way. By being honest at the onset and talking about money on a regular basis, couples can start a healthy dialogue that'll give everyone a much better grasp of how to deal with finances down the road.

Tip #3: How to teach your kids about money

This is clearly what NOT to do. GIF via "Black-ish."

The answer: WITH GAMES!

Money and math are rarely the most exciting topics for kids. And that's where playing games comes in! Susan Beacham, CEO of Money Savvy Generation, tells U.S. News, "Games become something you can use to open the discussion, so it's not always you preaching about money."

You can try a classic board game like Monopoly. Or download a fun educational app for them. Or even pretend to be a customer in your kid's make-believe store. The important thing is that kids learn the nuances of what's going on each step of the way, so that they become familiar with financial literacy early on.

It can be intimidating to talk about money, but there are ways to make it a little easier.

Taking that first step can be challenging, especially in this area, but having a plan of attack certainly eases the burden. Now that you have some starting points, the next step is to do just that — start!

True
TD Ameritrade

A recent study found that money can, in fact, buy you happiness. Well, kind of.

There's been a lot of research lately showing that spending money on experiences or other people leads to more happiness than spending it on stuff for yourself. In other words, there may be a "right" way to spend money.

This study, titled "Money Buys Happiness When Spending Fits Our Personality," took that a step further by looking at how individual personalities factor in. Researchers examined 76,000 bank transaction records and found that "people whose purchases better match their personality report higher levels of life satisfaction."


Different things will make different people happy.

To better understand this, researchers broke down people's spending habits using the "Big Five" personality traits — extraversion, agreeableness, conscientiousness, neuroticism, and openness.

This explains why one person's dream of saving up and traveling the world might not give someone else the same satisfaction, just as donating a chunk of money to a nonprofit may float some people's boat but not others'.

Knowing where you fall could help give you a better idea of how to best spend your money. After all, a solid fit between your purchases and personality is more strongly associated with life satisfaction compared to your total income and total spending.

Check out the five breakdowns below and see which one sounds most like you.

1. Extraversion

GIF from "Beetlejuice."

What it means: You're a very outgoing and sociable person. You get excited when you're around people and can talk up a storm like it's nobody's business.

What brings you joy: Dancing in the club, large dinner gatherings with friends, joining a tour group surrounded by complete strangers.

2. Agreeableness


GIF from "The Simpsons."

What it means: You put the concerns of others before your own. You're very compassionate and cooperative, and you love to do things that benefit other people (or animals).

What brings you joy: Donating to charity, taking care of the cutest puppy ever, investing in a socially conscious business.

3. Conscientiousness

GIF from "Creed."

What it means: You're all about controlling your impulses and achieving the goals you set for yourself. You're also very organized and always pay close attention to the details.

What brings you joy: Signing up for that intensive workout program you read about, joining a free yoga class in the park, setting yourself up with a healthy meal plan.

4. Neuroticism

GIF from "Conan."

What it means: You're quite the worrier and are more prone to stress. You overreact at times and your emotions can be rather overwhelming.

What brings you joy: Cracking some self-deprecating jokes with friends, betting on NBA playoff games, clearing all your traffic fines.

5. Openness


GIF from "Up."

What it means: You're an imaginative, artistic person with a wide range of interests. You're also very adventurous, ready to explore things you haven't tried yet.

What brings you joy: Visiting a place you've never been to before, learning a new interesting skill, writing about something you're passionate about.

But don't forget: To actually spend your money, you still need to be smart about it.

GIF from "Parks and Recreation."

There's not that much room for happiness if you splurge your supply in one go. You still need to budget, save, and spend wisely.

Just think of this as a handy little cheat sheet. A simple guide to help you figure out the kinds of purchases that'll bring you the most joy.

One of the authors of the study, Sandra Matz, told the Association for Psychological Science, "By developing a more nuanced understanding of the links between spending and happiness, we hope to be able to provide more personalized advice on how to find happiness through the little consumption choices we make every day."

And that should make everyone happy.