Last minute tips for June 30 Theres no need to pull your hair out, with time still available to get your tax affairs in order before June 30. Check if you need to top up your super fund Make a list of deductible work expenses Pre-pay costs where possible and review your investments With just days to go before the end of the financial year there is still time to make the most of your tax return. A bit of tinkering, a prepayment or two or a last-minute superannuation deposit and it could mean the difference between a tax bill or a tax refund this year. We consulted a panel of finance experts, including MrTaxMan.com.au founder Adrian Raftery, Hewison Private Wealth adviser Simon Curtain, MyBudget founder Tammy May and H&R Block regional director Frank Brass. Here is their top 10 list of things to check before June 30. A super top-up Log on to moneysmart.gov.au to check if you are eligible for a co-contribution to your super fund from the Government. For people who meet the income requirements, the Government will automatically make a deposit into your super fund after you lodge your tax return. You may also be eligible to make spouseal contribution and receive a $540 rebate. Donations Although giving money away may not be the solution you first think of when it comes to balancing out this year's tax return, it could just provide a welcome last-minute deduction. If you haven't yet donated money to your favourite charities and causes, this week is your last chance. Donations are tax-deductible gifts and can be claimed in your tax return. Work expenses People earn incomes in many ways and have different types of expenses. Be it sunscreen for outdoor workers, study, training courses or home office costs, many of these are tax-deductible. Visit ato.gov.au and see the examples available for your occupation, or check with your tax agent today to see if any of these future expenses can be paid now and claimed immediately. Pre-payments Several types of expenses can be prepaid, including interest costs on investment loans for properties or shares and some lease payments. Pre-paying provides a greater tax deduction in the current year but means that next year there will be no deduction, unless you continue to prepay each year or your income alters so you no longer need as many deductions to reduce your tax bill. Investment check Do a quick review of your investments to see if you can realise any capital losses to offset any capital gains. Although tax should not be the primary reason for selling any assets, if you are planning to sell or reorganise your investments there could be capital gains tax benefits by doing it before June 30. Health insurance The Government's rebate on private health insurance is lower next financial year and phases out for anyone who earns more than $84,000 (single) or $168,000 (couple). If you are currently over these thresholds or think you might earn more next year, paying a full year's insurance before June 30 can still mean you get the higher rebate. Think ahead If your income is expected to be lower next year because of things such as maternity leave, reducing your hours, staff cutbacks or less overtime, bringing forward expenses in the current financial year can mean your tax deduction is worth more. The higher your marginal tax rate, the more value your tax deductions have. Stocking up on home office stationery, a new printer, printer ink or even prepaying subscriptions can then be claimed this year while you are on a higher tax rate. Alternatively, if your income is high and you don't have many deductions, it might be possible to delay any further income or that last month's pay, until next financial year. Tax file number One of the easiest ways to reduce your tax bill is to confirm all the financial institutions you deal with have your tax file number on their record. If they don't have it, they are obliged to deduct up to 46.5 per cent withholding tax on interest, dividends or any other type of payment. Last-GASP spending Buying a business asset for less than $6500 can now earn you an immediate tax deduction, such as new technology, a laptop computer and other tools of your trade. Self-employed and small businesses can get an instant write-off for these items and no longer have to depreciate the cost over several years. This also applies to the first $5000 or a new work vehicle if bought through a company or trust. Receipt time In the coming days collect your receipts or contact companies for missing paperwork. Once you have them together, it will give you a clearer idea of what's missing or if there is still room to make new purchases this financial year. Also give your car log book a check and make sure your entries are up to date. Finally, buy yourself a good calculator for adding up all those receipts, for mistakes could be costly.