Gather Your Paperwork Early - Don’t wait until January! Collect all relevant documents now — P60s, P45s, pension statements, dividend vouchers, bank interest certificates, rental income summaries, and business records. Having everything in one folder (physical or digital) saves stress later.

Check Your Income Sources - Remember to include all income streams — self-employment, employment, pensions, savings interest, dividends, rental income, or overseas earnings. HMRC cross-checks data, so omissions can lead to investigations and potential penalties.

Update Your Business Records - If you’re self-employed or a landlord, make sure your bookkeeping is up to date. Record all income and expenses clearly, with receipts or digital copies stored securely. Cloud tools like QuickBooks, Xero, or even spreadsheets work fine as long as they’re consistent.

Know What You Can Claim - Review and document allowable expenses — things like home office costs, mileage, phone bills, professional fees, or repairs on rental properties. It’s worth checking with your accountant to make sure you’re not missing out on legitimate deductions.

Review Your Personal Details - Make sure your personal information on HMRC’s system (address, marital status, bank details) is current and up to date. Incorrect details can delay refunds or cause compliance issues.

Plan for Payments - Set aside money now for any tax due in January — especially if your income fluctuated this year. Don't forget Payments on Account if you’re self-employed; they often catch people out.

Check Your Tax Code - Errors in PAYE tax codes can mean over- or underpaying tax. If something looks off, speak to HMRC or your accountant early.

Consider Big Changes - Bought or sold property? Received foreign income? Started a new side business? Major changes can have complex tax implications — it’s worth getting professional advice before filing.

File Early, Relax Sooner- Filing before the January deadline not only avoids the rush but gives you early visibility of your tax bill — and if you’re due a refund, you’ll get it faster.

Get Professional Support - A Chartered Tax Adviser can make sure your return is accurate, compliant, and optimised. They’ll also spot planning opportunities (like pension reliefs or capital gains timing) that save you money long-term.