Spending your tax return wisely will make you stick to your budget in blue and do not subject yourself to paying the high interest rate of the overdraft and special credit card. The important thing is to maintain a financial balance between how much you earn and how much you spend. This does not mean that you have to tie the entries and exits, it is always important that the money spent is less than the amount won.
With this leftover, you will be able to constitute an emergency reserve for the adverse moments of your life. In fact it is not with the surplus that you should constitute an emergency reserve or separate a value for the fulfillment of your dreams. If you would like some help on that you could also contact taxreturnco.com.au.