Tax Exemption for Consultant 2012-2013 financial year ?

Hi,

I am working as consultant in a private company. We are called Support Engineer Consultant , I joined in the organization in the middle of Feb Month 2012 with Annual package of 3.25 L . I had been paid Full amount every month without any deductions Rs. 27083 and Only Professional Tax of Rs 200 had been deducted for Feb and March 2012 ,but From April 2012 i had been deducted with Rs 2708 ( i.e 10 % of my monthly pay as TAX DEDUCTED AT SOURCE . I enquired my Payroll supervisor he said all the Consultants will have to pay 10 % as per TDS ( 194J ) act.

Can any tell me how I can get my TDS refunded?

Can I shows rental receipts as expenses ?
Can I show mobile bill as expenses ?
Can I show my travelling expenses ?
Insurance expenses ?

FUTURE FINANCIAL ADVICE?

Iam 36 yrs of age with 2 children aged 5(son) and 3 (daughter). govt job earn fixed salary of 52000 pm with monthly savings of 9000pm plus other govt mandatory investment. looking 15 yrs hence, what should be my financial planing.