LAUREN THIS YEAR TAX DAY FALLS ON APRIL 18. NOW, THAT’S TOMORROW. SO WHETHER YOU’VE FILED ALREADY OR WILL WORK THROUGH THE NIGHT TO GET YOUR RETURN SENT IN, IT’S HAPPENING TOMORROW. CHANCES ARE YOU MIGHT BE GETTING A REFUND. LAUREN PASTRANA BREAKS DOWN HOW YOU SHOULD SPEND IT IN TODAY’S LAUREN’S LIST. Reporter: THE IRS EXPECTS MORE THAN 70% OF TAXPAYERS TO GET REFUNDS THIS YEAR. LAST YEAR 111 MILLION REFUND WERE ISSUED WITH AN AVERAGE REFUND OF $2860. SO HOW SHOULD YOU SPEND THAT MONEY IF IT’S COMING YOUR WAY? HERE’S THE ADVICE STRAIGHT FROM THE FINANCIAL EXPERTS. FIRST UP, PAY DOWN DEBT. AMERICAN CONSUMERS ADDED $89.2 BILLION IN CREDIT CARD DEBT TO THE COLLECTIVE TAB IN 2016. THE THIRD LARGEST ANNUAL INCREASE IN THE LAST 30 YEARS. WALLET HUB PROJECTS IT WILL INCREASE. YOUR ESTIMATED 2800 TAX DOLLAR REFUND COULD SAVE YOU $600 IN INTEREST OVER TIME. NEXT BUILD YOUR EMERGENCY FUND. SOME MONEY GURUS SAY YOUR E FUND SHOULD HAVE AT LEAST $1000 IN IT. WHAT GOOD IS PAYING OFF DEBT IF YOU HAVE TO USE A CREDIT CARD TO PAY FOR STUFF IN THE EVENT OF AN EMERGENCY. IF YOU DON’T HAVE A FINANCIAL ACCOUNT USE IT FOR THAT. A GO BANKING RATES.COM SURVEY FOUND 56% OF AMERICANS HAVE LESS THAN $10,000 SAVED FOR RETIREMENT. AND 42% OF MILLENNIALS REPORT NO RETIREMENT SAVINGS. OPEN A INDIVIDUAL RETIREMENT ACCOUNT OR FOUR OH 1 K. THAT MAY PROVIDE THE ADDED BONUS OF A TAX DEDUCTION MEANING MORE MONEY FOR YOU IN THE LONG HAUL. FINALLY IT’S OKAY TO FEET YOURSELF. USE YOUR UNEXPECTED WIND FALL TO SPLURGE ON SOMETHING YOU WANT SO LONG AS YOUR OTHER PHI FAN SHAM COMMITMENTS ARE MET. IF YOU FIND THAT YOU GET A SIZEABLE REFUND YEAR AFTER YEAR THE BEST IDEA MAY BE TO ADJUST YOUR WITHHOLDING ALLOWANCES SO YOU HAVE THE MONEY ALL YEAR ROUND INSTEAD OF JUST AT TAX TIME.