You want a tax refund calculator? Here's one ... don't get an advance on your income tax refund. First off, you don't even know if you're getting any cash from the government. Don't count on something that isn't there. Second, with the fees and interest rates, you'll be paying a big chunk of the refund to the tax service instead of yourself. That's double dumb, jack.

You want to do your taxes so that, when April comes calling, you don't have to pay anything and you don't have to receive anything. If you're paying, it's bad for obvious reasons. If you're receiving, you just let the boys in Washington use your dough interest-free for one year. You're not getting money from them, you're just getting back what you overpaid. Bad math, baby.

This is just basic advice about the moolah. Even more basic? Four words ... get out of debt. Lots of joes and jills sweat bullets when springtime comes and Uncle Sam calls. But if you've done your part to pay off debt, you'll sweat over your cash about as much as an Eskimo in Alaska in January. Got that one from The Dave Ramsey Show.