The money is now as good as spent. In my head, I’ve already separated it between building my emergency fund, paying off some credit card debt and adding a small amount to my vacation fund.

As I type this, I can hear some people come to a screeching halt at the “vacation fund” reference. Here are my thoughts:

Yes, I know that in the current economy I probably shouldn’t be thinking of spending money on vacations.

Yes, I realize that money may serve me better by being added to my emergency fund or debt payment – especially since I recognize that my job may be on the chopping block.

But, I need something to look forward to and when vacation does roll around, I want to make sure that it’s something I’m prepared for. And, honestly, if I need the money it’s just in another savings account growing and waiting for a use.

I love taxes (for now at least).