I'm really glad that we put our tax return immediately towards debt as soon as we received it. If we hadn't, I'm sure we would have been tempted to do other things with it. I find myself now wishing we didn't have the debt in the first place because if we hadn't, we could have done so many things with our return! Things like upgrade to modern furniture through out the house, buy new bed sheets and bedspreads. Get some projects worked on and finished. Gone on a really nice family vacation. I really feel like if we had held onto it any longer, we might have used it for something else. So, I'm thrilled it's gone and now all the debt we have is our student loans. So yay for tax returns! I can't wait for next year's too!