Gotta love on line banking! As of April 9th, both my Federal as well as my CT state tax refunds were deposited into my bank account. The total more than covers the balance on the car loan, AND I have extra to spare, even after covering what I spent on my Lay Z boy recliner. Whatever is left is getting stuffed into savings. I know that I will get very little back next year at this time, I specifically asked the CPA to do a projected tax liability, based on my new financial circumstances. We'll be OK, as I have always based our monthly budget on take home pay.