When you receive your income tax refund, it’s okay to allow yourself a little treat. It may not be completely logical to run out and buy new shoes or take the family out to dinner when you also have debts, but sometimes, it’s nice to do. Don’t blow all of it, though. Think about having fun with 10% of the refund, then using the rest to improve your financial situation. Read Dawn Papandrea’s ten suggestions in Living on the Cheap on how to spend your tax refund.