We got a HUGE refund this year (because we over-witheld...oops!). We opted to put it all into savings. With such a large bump to our savings plans, we can afford to spend a little more of our paycheck money and we are actually thinking of taking our first vacation in 7 years. We'll see though.

It's amazing how hard it is to part with the money for something we don't NEED once its tucked away in the bank!