Well the blessing is that I have little debt. I first paid off an American Express Credit card of about $500+. It was easy for me to than spread the remaining refund tax dollars to different accounts. I put some in my money markets, IRA account and my checking account. I have allocated funds to use for personal fun things. I also set aside funds for my church and other charitable donations. I believe it is also important to use the dollars for other than your on personal needs. I challenge us to manage or rule our money and not allow it to rule us. I am working on myself daily in this area. Thanks for allowing me to share. Enjoy you refunds! God Bless, Voni