Use TFSA first. Every penny of your savings should go into that account up to the cumulative annual limit. After that, determine your spending needs and apportion the split between an unregistered account and RRSP. I dont think that putting money into an RRSP for a tax refund is a well thought out strategy, especially since it is locked in. The TFSA is great because everything inside it grows tax free and you can take it out whenever you need it. Personally I put anything with yield inside the TFSA and RRSP. Other than those, I will pay down mortgage or other personal debt with savings since they are risk free, after-tax returns.
"I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered."
-Thomas Jefferson 1802