Ever returned an item you purchased online and been surprised when you see the refund hit your account a week or two later? Instead of celebrating your newfound cash by spending it, funnel any refunds you get into your debt payments. If you notice a ton of refunds coming back into your account (outside of the holiday season or a special event that required a lot of trial-and-error shopping), it may be time to skip back to Chapter 1 to re-evaluate your spending. Doing so could help you find even more money to put toward reducing your debt.