I actually get a small refund this year as I  do almost every year. And each  year, I just pay bills with it. I know...boring right?

I know some people who say they ONLY use their tax refund for  "FUN STUFF!" How wonderful I think that is! And although I admire that spirit, My moral obligation to myself to be completely debt free seems to out weigh that option!

But, how about you? Do you have a  ritual you do with your yearly refund? Do you treat yourself to something special with it? A vacation perhaps? Maybe you should! Maybe I should!

What are your thoughts on it? Please post your reply! I'd love to know! Thanks (Faith)