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Cutting tax

Archives for April 2022

Claiming Business Miles
My wife works for the NHS and is employed as a bank nurse which means she can be sent anywhere within the Trust's area. She visits various different vaccine centres and is sometimes asked to drive 100 miles or so there is no mileage allowance paid at all as it cannot be claimed as you are on The Bank as it is called. She…
Not about cutting tax but a question re joint account and cash gifts to our children
Last year my wife and I gifted xx amount to one of our children The amount was over the personal allowance for each of us inc the previous year's unused amount We have joint accounts inc current accounts and foolishly without thinking i paid all of it using my card online We paid 3k each this year to another one of our…
Tax relief for charging work equipment
Hi, for 12 years now I have worked for an employer who provides me with a mobile phone which functions as a computer from which I do my work. I survey people on public transport using it. I rarely go to the office and charge my phone at home. My work is sent directly to the phone. I get no money from my employer for doing…
Have I been paying too much tax?
I am getting really confused! I started a new job at a new company on 1st June 2021 - part time, lower pay, less hours than my previous full time job. My total pay from June 2021 in my new job until end of tax year was £11,556.30. My first months pay I was taxed £238.60 - then every month after that I was taxed £87.20…
Earnings from the EU paid in UK - tax query
Hi all Hope someone can help advise please. My partner is an Italian national living and working long term in the UK in a PAYE job where tax is deducted at source. He very occasionally does some additional online work in a completely separate ad hoc job in Italy. Earning maybe £100 or £200 a month (irregular). He declares…
Capital Gains Tax on residence
Hello We are living away from our principal residence at the moment. At the moment, our youngest child is living there whilst he does his postgraduate training. The period we will be away will be about 18 months, then we'll go back for a while with a view to tidying up, decorating and selling (probably about four months?).…
Tax Code Change, rebate pending P11D submission - What can I do?
I have an issue with HMRC changing my tax code in error to D0 M1 which resulted in me overpaying quite considerably in Feb. This was not corrected and resulted in me overpaying again in March. From my calculations I am owed somewhere between £2000 - £3000. I spoke to HMRC who advise that they can't recalculate until they…
Joint account with elderly relative
Last year, my aunt wished to put me on a joint account with her. My aunt has no immediate family of her own after her husband passed last year.The joint account is in Republic of Ireland as that's where my aunt lives. I don't use the account, none of my own money in it, or access any statements etc.I live in UK and pay tax…
Two separate tax codes.
I am in receipt of two pensions, one my own and one of my late husbands. I am drawing a state pension. I have just got advice of payments for both Civil Service pensions, one pension is for £57.49 per month with a tax code of 138L and the other is for £85.62 per month with a tax code of 101T. The 101T code amount has 20p…
Business Mileage
I have a question regarding the claiming of mileage for business related travel using a personal vehicle. I am seeing mixed messages as to what is permissible to claim, and I cannot obtain clarification from the searches I have conducted via HMRC. Example: If my place of work is a 20 mile round trip from where I live and,…
Sa302 certificate
Hi, where do I find this please, to provide to lenders. Maybe as I'm using the mobile site, I can't fathom it. HMRC don't pick up either. I can see various calculations, tax paid etc,but I need a headed/downloadable SA302 for the last 3-4 years. 7-8 years ago, I called them and they sent it in the post, but it's supposed…
Class 4 NIC required for side gig?
I am completing my self-assessment. Alongside my main job in 2021/22 I did some consultancy bringing in £3500, against which I am claiming £1000 trading income allowance. Working through the form it says on the page "Class 4 National Insurance Contributions (NICs)" that since none of the exemptions apply to me (being old…
Most tax efficient route for parents to transfer a house to a child
A UK property is jointly owned by two elderly parents, who would like to bequeath it to their child either as cash (liquidated) or the property itself. The value of the property is around £750-800k. Both the parents are not UK citizens and are not UK resident or tax domiciled. Their child is a UK citizen but an expat…
Tax code change - HMRC/Old employer error
Good Morning all, I'm looking for some advice please, having just been advised on a change in my tax code by my current employer (heard nothing from HMRC).Upon investigating with HMRC they have stated there has been underpayments & overpayments since 2016 and that I now owe them money. HMRC have confirmed they should have…
Calculation of Adjusted Net Income for Childcare
Good Evening everyone, I have some doubts about the calculation of the Adjusted Net Income (ANI) for the 30 hours free Childcare. I read several posts here, but I did not find the right answer. My situation is this one. I have a gross salary of 110K and my pension is salary sacrifice of 5% (5500). I do not have any other…
Tax on Investment Bond held in Trust
About 10 years ago my dad who is now in his 90s took out a discretionary trust (I think they called it a ‘Protected Property Trust’) with a firm of solicitors, with the long-term intention that by assigning his house into the trust, it would prevent the property from being sold at a later date to pay for care home costs.…
Tax Rules
Hi, I have a question with regards to tax payments and whether or not I can get benefits if I pay most of my salary towards my pension. I will try to explain without sharing to much detail. I was recently promoted and I am now being paid more meaning I have had to stop the marriage allowance and child benefit. I know the…
Tax return repayment pending
Every year mine has been issued with the first batch, this year its still pending. Can anyone tell me what to expect
Capital gains tax?
If I inherit a home that I have always lived in with my parent (it's always been my one and only home for 48 years),if I later sell it would I have to pay capital gains tax?
Tax code change issue
I have a problem with my tax code. I was previously on 1288L for 2021-2022. This was including £312 on job expenses (I think this might have been costs from working from home). I wanted to add costs for working from home for the next year (2022-2023) and add some additional expenses (£116) to this tax year but I may have…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Cutting tax

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