Hi M.,
Sounds to me like you and hubby don't see eye to eye about several things.
My first thought is about household chores...I struggled a LOT with this one. We chose that I stay home to be a Mommy, not a maid, right? Well...Truthfully, I had to deal with the fact that most of the housework is my job. I'm the one who's here all day. Aside from a few dirty clothes and dishes, my husband doesn't actually make much mess. He did, however, use the responsibility of being the provider an excuse not to help at times. You and hubby probably need to talk about this issue at a time when you are not mad about it. Tell him a few specific chores that you'd like help with. Trash night? Bath time x times a week? Dishes when you have a rough day? He needs to learn that you work all day and need breaks, too, even if you don't earn a salary.
What's probably more straining to your marriage is your financial situation. It sounds like you both have a "my money," "your money" outlook on your finances. It's not that for either of you. It should be "our money," plain and simple. One joint bank account to share. One monthly budget that covers everything from mortgage and utilities to groceries, to tuition and entertainment expenses. You BOTH need to contribute to telling your money where to go, and you BOTH need to agree on it! Include a small amount of "blow money" each month for each of you to spend, no questions asked, on yourselves for something fun.
Check out the book "Total Money Makeover" by Dave Ramsey from the library. He deals with lots of financial issues that families have: getting out of debt, budgeting, saving for the future, etc. It will change how you and your husband look at money.
I will say, that beyond your tax refund, you two need to be on the same page with family finances in order to make your marriage more healthy! How to get hubby on board if he doesn't agree that there's a problem? No ideas. But make sure he knows that it's important to you. Directly. Don't imply it. Don't think that he should be able to figure it out. Just tell him at a time when you don't have distractions. Turn off the TV at night and talk about it. You'll be glad you did, in the end.
I'm sorry for rambling a bit, but my husband have been working on our finances together for a year now, and its reduced so much stress in our marriage, that I feel pretty strongly about it!
Best wishes!