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Make a money date. The financial fixtures to put in your diary

From the Budget to when your broadband contract ends, there are a handful of announcements and deadlines happening throughout the year which will affect you and your money.

With next season's footballing fixtures released today, it's easy to overlook other key dates in your calendar. If,  like me you've spent some time this morning adding your team's matches into your diary, it makes sense to do the same with these financial fixtures. 

I've highlighted the ones to watch out for, and why you should pay attention.

July

The summer or 'emergency' Budget

WHEN

8 July 2015

WHAT

The government have added this extra budget following their election victory in May.

WHY YOU SHOULD CARE

It will affect what you have in your wallet for better or worse. 

 

September

Car registration changes

WHEN

1 March and 1 September.

WHAT

Every six months, a new set of number plates are released which show the period the car was registered making it easy to know how old it is later on.

WHY YOU SHOULD CARE

There are two schools of thought. Wait to buy until a new plate is released so your car seems newer when you decide to sell. Or try to pick up a bargain as sales staff want to clear vehicles with older plates in February and August before the new plates come in.

October

Paper tax returns

WHEN

31 October.

WHAT

A tax return details your income and what you need to pay in tax.

WHY YOU SHOULD CARE

Though tax returns will eventually go fully digital, many still complete paper returns. If you’ve any income that isn’t already taxed you need to complete a self assessment form. Miss this deadline and you can still submit your return digitally before the end of January.

November/December

The Autumn Statement

WHEN

November or December each year.

WHAT

The Chancellor reveals the government’s latest plans for the economy.

WHY YOU SHOULD CARE

As with the Budget, some of the announcements will affect you. Last time around there were big changes to Stamp Duty.

 

January

Online tax returns due

WHEN

31 Jan.

WHAT

A tax return details your income and what you need to pay in tax.

WHY YOU SHOULD CARE

This is the final deadline to submit your tax return. Miss it and there are some hefty fines. 

 

March/April

The Budget

WHEN

March or April each year.

WHAT

The Chancellor of the Exchequer sets out the government’s financial policy for the next 12 months and beyond.

WHY YOU SHOULD CARE

The biggest financial policies and changes are usually revealed at the Budget. Announcements are made on everything from retirement age and pensions to benefits and tax on alcohol.

 

April

The new tax year

WHEN

6 April.

WHAT

The start of a new 12 month period that’s used to calculate how much tax you’ll pay on your income, savings and investments.

WHY YOU SHOULD CARE

Many of the Budget announcements will come into effect. 

 

One-offs

Contract and insurance end dates

WHEN

Various dates

WHAT

The end date for any annual insurance policies or any kind of annual contract (eg energy, broadband, subscriptions).

WHY YOU SHOULD CARE

Two reasons. Firstly, the contract might auto-renew, which will almost certainly cost you more money. Secondly, you might have had a fixed deal or special offer when you signed up. At the end of the contract you might be moved to a standard deal, again costing much more money. It's worth noting in your diary a month before the contract is due to end and looking to see if switching can save you cash.

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  • Eddie Joseph / 14 July 2015

    This is very useful information which most people forget to action and it can really save one lots of money. Most people fear changes and feel comfortable the way things are and don't bother to check contracts due dates