Close to half the people receiving a tax refund this year will use it to repay debt and more than one-third will save it.Bankwest's latest annual report on consumers' tax return expectations, the Taxing Times Report, indicates that consumers remain conservative in their attitudes to using money long after the financial crisis brought Australia's household borrowing binge to an end.Close to half (47.7 per cent) will use a refund to pay off debt and 35.6 per cent plan to save it. Gen X are most likely to save their refund (63.6 per cent).These proportions are higher than in 2013, when 35.6 per cent said they would use their tax refund to pay debt and 31.5 per cent said they would save it.The top priorities for paying off debt are credit cards (57.9 per cent), mortgages (43.4 per cent), personal loans (10.5 per cent), car loans (6.6 per cent) and loans from friends or family (6.1 per cent).Asked what savings product they would use, 61.8 per cent said a bank savings account, 16.5 per cent said a transaction account and 11.8 per cent nominated a term deposit.Close to 10 per cent said they would put the refund into shares and 7.6 per cent said they would put it in their superannuation fund.Aside from paying debt or saving, uses for the money include spending on the basics (17.4 per cent), spending on "something more exciting" (13.8 per cent), spending on "things needed for work" (5.2 per cent) and donations to charity (1.9 per cent).When asked how much of a tax return they expected, respondents said $2275 on average  - up from $2033 last year.Among the 9.1 per cent who expect to pay additional tax, the average amount is $3408.