According to the IRS website, my refund will be sent on Monday. But I checked my bank account today and the funds are already available. I set up a bank draft for 2/12 for my state taxes owed, scheduled an SL payment on 2/15 for a little less than half of the refund and the other almost-half will go to my savings to cover my inevitable (it seems) monthly overages.
In the matter of 1 week I filed my taxes, received and 'spent' my refund. *strikes 3 things off my to-do list.