Tax Advice

Understanding Your Tax Responsibilities and Options

The UK tax system can be complicated, and it’s easy to feel overwhelmed. We’re here to help you understand your obligations, manage any outstanding tax, and explore the support and solutions available to you.

Income Tax and PAYE (Pay As You Earn)

If you’re employed, your employer usually deducts Income Tax and National Insurance through the PAYE system before you get paid.

• Check your tax code to make sure you’re paying the right amount.
• Update HMRC if your circumstances change, like starting a new job or changing your benefits.

Our advice: Citizens Advice Staffordshire South West can help you check your tax code and understand your PAYE deductions.

Check your tax code on GOV.UK

Self-Assessment for the Self-Employed

If you’re self-employed or have untaxed income—like rental income or freelance work—you’ll need to submit a Self-Assessment tax return every year.

• Register for Self-Assessment by 5 October following the end of the tax year.
• Keep accurate records of income and expenses (travel, equipment, home office costs).
• File your return on time to avoid penalties.

Our advice: We can guide you through registering for Self-Assessment, completing your return, and ensuring all your allowable expenses are included.

Register for Self-Assessment

Struggling with Tax Arrears?

If you can’t pay your tax bill, don’t ignore it - contact HMRC early. They may offer a Time to Pay plan, allowing you to pay in manageable instalments.

• HMRC will look at your income, expenses, and financial situation.
• Payment plans can last several months, depending on what you can afford.

Our advice: Citizens Advice Staffordshire South West can help you communicate with HMRC, set up payment plans, and explore all your options to manage arrears.

Set up a Time to Pay Arrangement

Support for Low-Income Individuals

If your income is limited, you can get free, expert tax advice from trusted organisations:

• TaxAid – Free professional tax help for people who cannot afford paid advice.
• Tax Help for Older People – Free guidance for over-60s on low incomes.

Our advice: Citizens Advice Staffordshire South West can help you access these services and support you with completing forms or communicating with HMRC.

Find out more about TaxAid Find out more about Tax Help for Older People

Tax Credits and Benefits

Many tax credits have been replaced by Universal Credit, but if you’re dealing with overpayments or disputes:

• Respond promptly to HMRC correspondence.
• Keep your records up-to-date to avoid mistakes.

Our advice: We can guide you in checking your Universal Credit or tax credits and resolving any disputes with HMRC.

Check your tax credits or Universal Credit

Remember: Understanding your tax responsibilities and acting early can save you money, stress, and penalties. We’re here to help you navigate the system, get support, and take control of your finances.