Are you going to receive a tax refund? Do you know what you’re going to do with it? Depending how much it will be, you may be able to do a couple of things on your list. A little treat for you and something for your bank account.

Here are a few ideas:

• Pay off money owing (credit cards, loans, mortgages)
• Retirement Savings Plan (get a jump on next year)
• Home purchase fund
• Vacation
• A day at the spa
• Something for your wardrobe
• Something for your home

Knowing what you’ll do with the money before you get it means it won’t get spent in the everyday shuffle.