PHILADELPHIA (CBS) - Have you filed your tax return yet? Well if you’re still working on it, no doubt money is already on your mind.

As 3 On Your Side Consumer Reporter Jim Donovan finds, that makes it the perfect opportunity to do some spring cleaning related to your finances.

Spring is all about fresh starts. While your paperwork, your checkbook, or your bills are out on the table to file your annual tax return, money experts say it’s a great time to tidy up your finances. Start with those taxes. After you’ve filed your paperwork on time, take a look at the bottom line. If you’re getting a huge refund, or find yourself owing Uncle Sam a big chunk of cash, you may want to adjust your withholdings with your employer to avoid underpaying or overpaying from each paycheck.

Your withholding can actually be adjusted at any point throughout the year. To help you figure out the correct amount of withholdings that you should have taken out of your paycheck CLICK HERE to link to an easy-to-use withholding calculator.

If you have left over documents from old tax filings or any other items with sensitive financial information that you’re ready to scrap, don’t just toss them out. shred them. That includes anything that has a social security number, birth date, PIN number, or password.

Finally, if you’re one of the millions of Americans trying to pay down your credit card debt, it may be time for a balance transfer to a card with lower or zero interest. If you’ve got good credit, look for an offer that will let you roll over a balance to another card, and pay less interest each month.

RELATED LINK:

IRS Withholding Calculator