This is sort of a two part question, and you can choose to answer just one or the other, or both. 1) (assuming you get one..) What are you doing with your tax refund? 2) Do you feel like a financial dieter/binger? What I mean is, do you find it uneasy but managable living paycheck to paycheck and going without a lot of luxuries, but then when some unexpected income comes in (like a tax refund), are you unable to resist the urge to "binge" to make up for your slim budget dieting? How do you feel about this in general? Do you feel guilty for not doing something more practical with your extra money, like putting it into savings or investing it or getting ahead on bills/credit card payments... or... do you feel like you need and deserve to splurge on something for yourself once in a while to keep your spirits up and give yourself something to look forward to? They say when you're on a diet, and you do well on it, you should reward yourself, but they also always say that it should be a NON-FOOD reward. And it makes sense, obviously. What would be a good equivelant/reward with "money dieting" (ie. non-monetary/spending reward)?