A new tax year is the perfect time to hit reset and take a fresh look at your finances. Whether you’re looking to build up savings, reduce money stress, or just feel a bit more in control, small steps can lead to big results.

Here are 7 simple, practical things you can do today:

1. Start saving with Hertsavers
You don’t need loads of spare cash to start saving. With Hertsavers’ savings accounts, you can build up your money bit by bit—and it’s safe, local, and built around supporting our members.

Even a few pounds a week adds up over time—and getting into the savings habit can make all the difference when life throws you a curveball.

2. Check if you qualify for Help to Save
If you’re receiving Universal Credit or Working Tax Credit, you could open a Help to Save account and get a 50p bonus for every £1 you save—up to £1,200 over four years. It’s free money for future you!

3. Review your pension (even if retirement feels far off)
Adding even a little bit more to your pension can boost your future income—and you get tax relief too. If your employer tops up your pension, you might get even more back than you put in.

4. Make sure your tax code is right
It’s not the most exciting task, but checking your tax code could help you avoid overpaying—or getting caught out later with an unexpected bill. It’s easy to check via your HMRC online account.

5. See what support you’re entitled to
A quick benefits check could uncover help you didn’t know you could get. Try websites like Turn2Us or EntitledTo to see if you’re missing out on financial support for things like rent, energy bills, or childcare.

6. Get ahead on your tax return
Need to file a Self Assessment? Don’t wait till January. Filing early can reduce stress and help you budget better. And if you’re due a refund, you’ll get it sooner.

7. Ask for help if you need it
Managing money can feel overwhelming—but you’re not alone. At Hertsavers, we’re here to help. Whether you want to build savings, get on top of your budget, or explore affordable loans, we’ve got your back.

Be financial confident…
No matter where you’re starting from, the small steps you take now can make a real difference later. And with Hertsavers by your side, you’re never going it alone.