Tax is getting more and more complicated and every year millions of people pay more tax than they need to. With a little planning you can ensure you exploit your tax allowances and take steps to cut your tax bill.

If you are one of the nine million people who get a self assessment tax return, you are required by law to complete it correctly and on time. Last year, the Inland Revenue collected hundreds of millions of pounds in extra tax through enquiries into incorrect returns. This book will help you:

• pay only the minimum tax (showing you where you may be overpaying and what to do about it)

• avoid the self assessment pitfalls

Inside the book you will find:

• a step-by-step guide to completing your tax return, including 175 tax-saving ideas

• advice on dealing with your tax office

• guidance on the new tax credits, including how to maximise the amount you can claim

• tips on tax-efficient investments.