We are about to get the last of our tax refund money and I am about to start putting my paycheck in savings for a few months. In the past, we have used extra money to pay off credit cards, only to charge them right back up or get new ones. We have one small car payment of $250 a month, but we owe like 4 years on it. Other than ccards and the car, we really don't have any bills we could apply the money to.(let me rephrase, we have them they are like a $30,000 student loan)..well unless you count utilities and insurance. Should I stock up on groceries? Or will my monsters just eat 10xs as much a day? I want to help our monthly expenses (because I want to quit working this summer). Any suggestions?