Seventy-eight percent of Americans are expecting money back on their taxes this year.  The IRS says the average refund is $2,815.

A new survey reveals that one-third of Americans plan to spend this year's tax refund on a vacation.  Many Americans divide their refund dollars between a vacation and their savings accounts.

Here are the top uses for tax refunds from Uncle Sam:

33 percent plan to spend their refund on a vacation

32 percent plan to put their refund into savings

31 percent plan to pay off debt