Simple steps and choices, which could help you get your finances into shape - and save you from paying too much tax.

Check your tax coding:

The best and potentially most profitable tax resolution for any new tax year is "I will monitor my tax code". All employees, and many pensioners, should have a tax code.

It's the signal from the Inland Revenue to the employer of the tax allowances due to the employee; the Revenue send taxpayers their codes at least once a year and people really should check that it's correct.

All you need to do is review what's on your coding notice and query anything you don't understand.

Incorrect codes - and they often happen - means that the wrong amount of tax is being deducted.

A continued charge for a benefit you no longer have is a regular occurrence; those aged over 65 should always check that they have been given their higher age allowances.

The Revenue don't always spot 65th birthdays and being 65 at any time during the tax year qualifies you for the higher allowance.