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Cutting Tax: Discussions that will help you
To help you find the Cutting Tax threads quicker and easier we're collating our previous sticky/pinned threads into one single post. Cutting Tax board: Tax instructions - please read Useful Websites TaxCalc alternative? How does the Taxman Know? Inheritance Tax Planning Useful Tools to Help With Taxes Washing Uniform at…
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musing on putting a holiday home in the name of adult kids
Just musing at this point. We have a holiday home abroad that we are considering selling. I know CGT will be payable, here and abroad. If we do sell, we would then buy a holiday home in the UK to make travelling easier than having to fly abroad. We are early 60s with 2 adult children in their 30s who are already home…
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Scottish Budget 2026: Income Tax and Council Tax changes confirmed – here's what they mean for you
Scottish Finance Secretary Shona Robison has announced a rise in some Income Tax thresholds, new Council Tax bands for high-value properties, and an increase to the Scottish Child Payment, plus more as part of the Scottish Budget for 2026-27. We've rounded up the key changes and what they mean for you... Read the full…
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Council Tax, LA not responding
Reading Martin's info, I qualify for a Council Tax reduction but the Local Authority has not replied to emails and letters so I continue to be charged the full amount. What can I do?
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Payments on account for savings interest?
Assuming your only income were to be savings interest, or you were to earn more in savings interest than from PAYE/pension, would you liable to pay payments on account to HMRC? It's unclear from what I can see online, as everything talks about tax, but also class 4 NICs, indicating that it's applicable from some form of…
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HMRC reminders
Here is an image of the HMRC email. I submitted my tax return on 06 April 2025. I still get unrelenting email reminders with a threat of penalty in every email. The teabag thing is a further insult.
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Possible major change to how we pay our income tax from tax year 2029
An item not generally reported In the latest budget was a proposal which will affect PAYE and self assessment tax payers. They are proposing that self assessment
taxpayers with PAYE income will pay their self assessment liabilities
in-year via PAYE from April 2029.They want to make a mandatory adjustment to your tax code…
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Unmarried couple with two properties - CGT & Council Tax queries
Bit of a long thread, but I want to ensure I remain compliant with tax laws but do not over-pay unnecessarily: * My partner and I - we are not married and will not be getting married - have sold our two flats that we owned before we met. * He will stay with his Mum until we purchase a house together, hopefully later this…
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Getting under Scotland advanced income tax via pension contributions
Hi there , does anyone have a calculation based on the revised advanced Scotland income tax level of 48%, what is the maximum monthly salary you need to aim for to get under that level via salary sacrifice pension? My salary is rising this year and want to be sure I continue to contribute enough to get the remainder taxed…
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Struggling to pay back a LTD company tax bill
Hi, I've been struggling to pay back huge debts over the years but it's got to the point I can no longer pay them as they currently stand. I'll try to cut a long story short. Started an online business as a sole trader. After x amount of years, turned that business into a limited company. Received bad advice from an…
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External examiner fees (research degree) in tax return
I hope this is an appropriate place to post this. I am academic staff in a UK university (University A) and last year I was invited to be external examiner in a PhD viva examination for another UK university (University B ). Not sure if relevant, but I used to work for University B many years ago, and currently I work for…
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IHT on pension pots under existing rules
Over the years I have built up DC pension pots in various personal, executive and SIPP pensions. Under the existing (pre. April 2027) IHT rules are all undrawn pensions pots excluded from IHT or do they need to have been put in a trust with the pension provider?
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Query council tax on deceased MIL house
Hi just hoping for some advice on querying a council tax bill on my deceased mother in laws house. She was in a care home for 4 years and her home was rented out to help pay care home bills. The council tax was paid for by the tenants. They gave notice to move out last March and we were in process of redecorating it before…
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Tax return and Student Loan repayment
I'm presently filling in my UK tax return and I got a nasty surprise. For context, I have a full time job as an employeee, but over the last few years I have a local stall, (very low turnover) selling collectable items I paid off my student loan via a lump sum in late April 2024, so only £146 was taken from my pay during…
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One in five councils in Eng/Wal getting it wrong on Council Tax Carers Discount
An investigation by MoneySavingExpert.com into 'the councils that couldn't Care less' has found that, in a spot check, at least 69 councils in England and Wales have information about the live-in Carer Council Tax discount on their websites that incorrectly indicates far fewer people are eligible than really are. This is…
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NIS: "Year is not full" 2024/25 after paying voluntary contributions?
Hi All, (sorry if this isn't the right forum section!) I've just received my tax bill to be paid by Jan 31 2026 which is normal. This promoted me to login to HMRC to check my situation. I'm self-employed and just need one more year of NI to get my full allowance. When completing my tax return I used the 'Pay voluntary…
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Online communication with HMRC
I'm not sure if this is the right place. If not, perhaps someone can redirect me. I completed my Self-Assessment tax return on 3 January and paid the tax on 7 January. Today I received a letter from them dated 6 January, ie before the payment, acknowledging the return but containing details which I want to clarify. My…
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Self Assessment - GovGateway ID says not used in 3-years
Hi, The last time I required to logon to to HMRC GovGateway was 3-years ago. Fast forward and I went to logon to submit my return for 2024-2025, but when I logon I get below error. We have deleted this user ID and password. This is to protect you against malicious or fraudulent attempts to access your details. It could be…
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AIA - Acquisition & Disposal in Same Tax Year
Hi all! Just a quick question re: AIA, if someone could assist? I'm a sole trader, not VAT registered. I purchased a computer in the tax year 20-21 for £1000. I apportioned 60% for business use, 40% private use. I therefore claimed £600 AIA in my 20-21 tax return. In the last tax year 24-25, I sold the above computer for…
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Anyone challenged a council for double Council tax charge on ones only property?
After running out of funds completely refurbishing/modernising my only property, I was unable to finish it and move back in for three and a half years. Thus, after a given period my local council informed me they would be charging me double council tax on the property. On enquiring with them why they would do such a thing…
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tiny salary but lump sum for a house deposit means SLC want half son's salary's worth this year
My son is struggling on an entry level teacher's salary. He has a small amount deducted each month for student undergraduate and postgraduate loans as just over the thresholds. As a trust beneficiary he received £70,000 from a trust in the tax year 2024-5 for a house deposit, which he then used to buy a tiny 1-bed place…
