Hi Jane! Personally, I prefer to receive a tax refund as a way to save money throughout the year. It can be easier to budget and save when I know I will receive a lump sum at the end of the year. Additionally, depending on individual circumstances, country of residence, and financial goals, I may not have access to a savings account or may not be able to save consistently throughout the year. It's important to consider all options and make the decision that works best for your financial situation.

Thanks for reading. Hugs!