I am very happy with myself. I received $1700 back from my income tax return this year. I have actually saved the whole $1700 plus an extra $300. I previously could not decide what i was going to do with the refund. What am I saving this for? My home down payment fund. As you can see my home down payment goal is now almost reached at 95%. Did i want to spend this on a new high def tv or a new computer. Yes, and the refund would have put a nice dent into the cost of the tv and paid for the computer completely. I resisted the temptation and instead am securing my financial future.