Some people want to “break even” at tax time. Others prefer to over withhold as a financial planning tool so they can save up for some thing big. That may work for some people, others not so much. These are the top 7 things my informal survey reveals people save their refunds for: 1) Pay Back Rent, 2) Pay for Car Repairs/Insurance/Etc., 3) Pay home Property Tax bill, 4) Pay for Christmas bills, 5) Pay down credit cards, 6) Pay for/save for a vacation, 7) Pay to fix up/remodel house. You have to go all the way to number 6 before that refund is spent on something fun!