Tax season is over, so it's time to start planning what you'll blow your refund check on.  According to a recent poll, most people are getting a refund this year . . . but 50% are planning to use it to pay off bills.

--If you're in debt, then that's definitely the right move.  If you're NOT in debt, you should think about using your refund money to start an emergency savings account.

--You're supposed to set aside enough to cover six months of expenses.  But a survey from last year showed that only 24% of us have that much saved up.  Here are four MORE smart ways to spend your refund.

#1.)  Pay for Something Upfront.  Some insurance companies, daycares, and gyms offer a discount if you pay upfront instead of once a month, which saves you money in the long run.

#2.)  Save It for Christmas Presents.  We're still eight months out, but you can get a lot of deals if you start buying early. And if you hang on to your refund money, you'll have cash on hand when there's a deal that's too good to pass up.

#3.)  Home Improvements. Spend your refund on things that either increase the value of your home, or save you money . . . like energy efficient windows, doors, or appliances.

#4.)  Family Memberships.  Buy yearly passes to a museum or the zoo, and your kids will have something to do for the rest of the year.