Having to trick one's self into saving money is by far the worst way to save money, but if one can save no other way then I could understand why that person would rather at least save some sort of portion, rather than not being able to save at all.Always start at the source with your paycheck when thinking about looking to cut cost in your budget.
To commence, having received a tax refund simply means that you are, and have been overpaying the state, and for a longer time period than you may even realize.
Link: Save Money on Practically Everything - Kiplinger.com