We get into debt during the year knowing that when tax season comes we can pay them. Sometimes is good to understand that trying to pay our bills down during the year is a good thing, that way we will have some extra cash when we get our tax refund. Maybe put the money towards our emergency savings or use it for a vacation, we all need one just now.
Having some extra cash feels good brings the stress down and you can sleep at night without thinking how will you pay your rent. That you can take out your family to a restaurant or buy what you said no I will just wait. The beginning of the year is the time to make financial decisions that will help you the rest of the year.