This is the time of year when we start getting all those tax related forms, so we can begin getting our papers in order. April is still a ways off, but it's never too early to start planning for what to do when the check arrives in the mail.

The sooner you file, the sooner you'll get paid.

But before you mentally spend your check, listen to this episode of Happy & Free with Val and Dan as we unpack some tips that could help you use your refund to put your financial house in order.