Oh, I almost forgot, to answer the OP, half of our refund went towards paying one bill, the other half, divided in half went towards another bill (one is probably high interest) and with what little was left, went towards filling the gas tank, a month's supply of supporting my wife and I's expensive and unhealthy habit of smoking, and paying a co-payment for a medical bill, and hopefully we'll have enough for me to add a few resources to my Logos library (probably won't have enough for both James Orr and D.A. Carson), need to pay for a book though from IVP book club, late on paying for one. If I ever get the point of being able to save some money, the bank interest won't compare to tax percentages, and the stock market is like gambling. Rough times.