Getting extra cash from Uncle Sam should mean you get to do something extra special right? Maybe even go on a vacation. Sadly only 10% of American's are planning to use their federal or state tax refunds to pay for a vacation. That's down from 20% just last year.

Taxsoftware.com conducted a survey using 1,005 U.S. taxpayers to find out the results. According to the survey most Americans will be using their refunds to pay off debts or put into their saving or investments.

Paying off debts rather than paying for a vacation is just one of the major differences from 2011 to 2012.

Here’s a breakdown:

In 2011, 31 percent planned to use the refund to make home improvements. For 2012, it’s eight percent.
In 2011, 23 percent planned to use the refund to buy products such as cars, electronics or furniture. For 2012, it’s eight percent.
In 2011, 15 percent planned to give their refund to charity. For 2012, just two percent plan to do so.
In 2011, 59 percent planned to use the refund to pay off debts. For 2012, it’s 29 percent.
In 2011, 19 percent planned to use the refund to mortgages or education loans. For 2012, five percent.
In 2011, 66 percent planned to use the refund on savings and investments. For 2012, it’s 27 percent.

Taxsoftware.com