How Will You Use Your Refund?

He's no accountant; he's a magical woodland leprechaun with a pot of gold! I have no idea how Joe the Accountant comes through every year and finds money to be returned to us. We have increased our exemptions the last three years in attempt to reduce our refund, but we keep getting a big tax refund.

Now, it's on to the business of figuring out what to do with this money.

There are personal funds:

• kids' college funds
• our retirement funds 
• home repair fund

There are things I want:

• landscaping
• painting
• basement finishing
• home decorating

We could do some fun things:

• family vacation
• charitable donation 

And things we foresee needing in the future:

• toddler's preschool
• replacement car fund

Did you get a refund this year, too? What are your plans for that money?