Struggling to do the right thing

I am dreaming of new toys.

I got my state tax refund and the federal refund should be arriving any day now.

I should put the money toward my debt. But I am really thinking about getting a new toy or two. Or three.

I have a new cell phone on my wish list. And my iPod battery won't hold a charge and the screen is going out.

Or maybe a new tablet of some sort would be in order, like a Kindle Fire. Maybe if I forgo all of those things I could even afford a new laptop.

Or maybe I could finally get a new camera.

So many possibilities.

I can almost justify it to myself. After all, I've got nearly 2 years of payments before I eliminate the debt completely. And the tax refund will probably only make a difference of about a month or so in the final payoff date. It's been so long since I've splurged on anything for me.

The refund is burning a hole in my bank account and it isn't even there yet.

I should pay on my debt. Should. Not sure I will though. I have been good. So good for so long. I'm not sure I can hold out until 2014.