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3. Refinance Your Home

With low mortgage rates, this gift keeps on giving in the form of lower monthly mortgage payments. If you plan to be in your home for at least three years and will save at least 1 percentage point on your rate, then ante up your refund to pay the closing costs and start saving on your monthly tab.

Crunch the numbers: The handy guide available at can help you figure out when it’s worth refinancing. The guide also offers tips for lowering your closing costs.

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