A few financial tools

USA Today has been running a really great series called "Young and in Debt," and they have included a young person's budget in their online version. And, for those looking at income tax, here is a calculator to tell you if you are overpaying. I've always been a fan of income tax return checks, but really it would be smarter to use that money and get the interest myself, rather than handing it over to the government to (mis)use.