It’s the first part of the year and you just saw your tax return hit the bank, It’s a good chunk of change, but it’s not enough to replace your car with a brand new Maserati. So where do you start? Here are a few tips on how to use your tax refund to get you started.

There was a time when you had to take a seller’s word on the history of his car. “Oh, sure, yeah, there’s never been any damage to this beauty, she runs like a top,” they tell you.