I'm expecting some $$ back - bought a house this year and also put in a highly efficient wood burning insert (for some reason, I get 30% of that back too).... I plan on fully funding my ROTH IRA for the year. Depending on how much over that I am, I will probably put it into the 'house savings' fund. We are redoing a bathroom in an 80+ year old house and ... WOW! talk about money pit! We also hope to redo the basement at some point. Oh yeah, and we have to re-grade and put in a French drain and ... and... and... it sure is a good thing I love my house!