How to make next tax year even easier
The end of the tax year often brings a sense of urgency. There are deadlines to meet, allowances to use, and decisions to make before 5 April. While that pressure can be motivating, it can also make money feel more stressful than it needs to be.
A smarter approach is to use this moment not just to finish the year well, but to start the next one strong.
One of the simplest ways to make next tax year easier is to automate your saving and investing. Setting up regular contributions means progress happens in the background, without you having to think about it each month. Over time, this can turn good intentions into real habits.
In the Moneybox app, you can set up recurring top-ups for your ISA, pension, or savings, helping you stay consistent without relying on willpower.
Another helpful step is organising your money by goal. Separating long-term investments, emergency savings, and short-term spending makes it easier to move money with confidence. When 6 April arrives, you already know which pot is ready for investing and which is better kept accessible.
It’s also worth reviewing where your money currently sits. Many people have funds spread across different accounts, some of which earn little interest or serve no clear purpose. Bringing that money together into a clearer structure can make future decisions faster and easier.
Timing plays a bigger role than most people realise. Investing earlier in the tax year gives your money more time to grow. A contribution made in April has up to 12 extra months of potential growth compared to one made just before the next deadline.
Using Moneybox, you can set reminders for 6 April or prepare money in advance, so you’re ready to take action as soon as the new tax year begins.
Ultimately, making next tax year easier is about reducing friction. The fewer decisions you need to make, the more likely you are to stay on track. With a few small systems in place, your financial progress can become something that happens automatically – not something you have to restart every spring.
Top up today if you can to make the most of this year’s tax-free allowance before it resets. ISA and tax rules, and account T&Cs apply. If investing, capital at risk.