We get a very large refund because it's the only way we can save money each year... Sort of a forced savings acct (without gaining the interest)... If we adjust our tax with holdings and get the extra money each week, it gets spent on misc other things and we don't scrimp the way we should. I know this isn't a suggested thing to do, but we're working our way toward paying things off and hopefully we'll be able to get to a point where we don't have to get the large refund each year :)
We will be paying off a couple credit cards (used to do home repairs over the year, so essentially a large portion of our tax return will have been invested in our house, stinks we had to pay credit card interest on it but the repairs got done at the best time of year when we needed them so I'm happy with that decision.. we did also get some of it 6mo no interest so we won't have had to pay interest on it all). We have a bill from my husbands side job that has to get paid that is a sizable amount (interest free). We will get a little of that back when he gets paid from some of his jobs when he finishes them up though, so it's not a complete loss. The rest will go in the bank for our excise taxes for our cars when they come in (in the next couple of months), we will also put the co-pay for the hospital stay in the bank for when we have our 4th baby in April ($250 for the hospital stay, ouch!).
It's all been planned out to the penny, so it stinks we don't have any extra "play" money for something fun but I'm hoping over the next couple years with our large tax returns we can dig ourselves out of the debt we accumulated when we were younger. Then we'll be able to put money into savings and change our with holdings and have that extra money each week :)