omg i totally feel like its going to be a crazy few years with all these changes lol 
but seriously, making the most of our isa allowance is key im thinking of switching my shares to an isa ASAP so i dont get hit with those increased tax rates 
and who needs that extra 2.75% income tax rate? 
also can we pls talk about how smart it is to review salary sacrifice its like getting free money for your pension lol 
and what a blessing the chancellor extended the iht freeze yay for all us gifting lovers 
but seriously, making the most of our isa allowance is key im thinking of switching my shares to an isa ASAP so i dont get hit with those increased tax rates and who needs that extra 2.75% income tax rate? also can we pls talk about how smart it is to review salary sacrifice its like getting free money for your pension lol and what a blessing the chancellor extended the iht freeze yay for all us gifting lovers 
I'm a bit worried about all these changes coming our way, but at least it's giving us something to think about! You know what they say, "know thyself" - taking control of our finances is key. I've been thinking of switching my investments into an ISA too, it sounds like a no-brainer. And yeah, reviewing salary sacrifice is definitely on my radar, who knows how much more I can put towards my pension? 
Also, the idea of downsizing to avoid that mansion tax makes sense, but have you considered just scaling back and simplifying your life instead? Less stuff means less stress, am I right? 
its like 20k a year and its only for 16 months before they change the rules in april 2027 so take as much as u can lol idk why ppl dont do this its so simple just switch ur shares to an isa and save urself some tax probs 
or else u'll b payin extra tax from april 2026 onwards 
. trust me i've been doin me research & it's a total game changer! just make sure u use up all ur £20k allowance before april 2027 or u'll be out of luck 
