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You've had a couple days to catch your breath since the mad dash to file your taxes by the end of Tuesday.

But you probably had plenty of time before that to daydream about what you'll do with the refund if you're getting one, and what you'll do with your stimulus check when it finally arrives.

Take Charge America, a non-profit financial counseling and debt consolidation group, offers the following tips on using that money to secure your financial well-being.

• Understand your financial standing. You can get a free copy of your credit report every year from each of the three major credit bureaus at www.annualcreditreport.com. Fix anything you find negative in it. Or for $15.95 you can just check your FICO score at www.myfico.com. If your score is below 700, use those refund dollars to get some bills paid on time.

• Look at your credit-card spending. Find your credit card with the highest interest rate and apply your refund dollars to the balance. Remove all cards but one from your wallet. Put the rest in a safe place that you don't get into every day. By minimizing credit-card spending, you avoid a lot of unnecessary purchases and save on fees and interest.

• Prepare for upcoming expenditures. Consider whether you're looking at job changes, marriage, children or buying a new home or car. Tax refunds can help you cover these costs without going into debt.

• Build your savings account. Try to have three months worth of living expenses saved. You should be ready for emergencies such as vehicle, housing or medical issues. And if you're already saving for all those things, try starting a vacation or education fund instead.

• Consider changing your withholding. If you're getting a big refund, that means the Internal Revenue Service has had free use of a bunch of your money all year. Change your withholding amount so you have the use of that money, and get a very small refund next year.

— Compiled by Shelley Shelton