BishBashDosh Blog

UK Family Tax Planning: Benefits, Childcare, and Allowances

From Child Benefit to Tax-Free Childcare to the 30 Hours scheme, UK families have multiple support options. Here's how they work together and how to maximise them.

Jan 18, 2026 • Benefits

UK Tax Planning for High Earners: The £60k to £150k Guide

Earn between £60,000 and £150,000? You face tax traps that lower earners don't. This guide covers every threshold, trap, and strategy for optimising your income.

Jan 15, 2026 • Tax Planning

Making Pension Optimisation Actually Intelligent

We've completely rebuilt how BishBashDosh recommends pension strategies. Instead of a one-size-fits-all approach, we now consider your family, marriage status, salary, and life situation to give you truly personalised recommendations.

Jan 10, 2026 • Product Updates

Marriage Allowance: Transfer £1,260 of Personal Allowance to Your Spouse

If one partner earns below £12,570 and the other is a basic rate taxpayer, you can transfer allowance between you and save £252 per year. Here's how it works and how to claim.

Jan 10, 2026 • Benefits

We're Going Completely Free: A New Direction for BishBashDosh

After careful consideration, we're removing our premium subscription model and making all features free. Here's why, and what it means for you.

Jan 7, 2026 • Announcements

Scottish Income Tax Rates: How Scotland's Tax System Differs from the Rest of the UK

Scotland sets its own income tax rates and bands. Here's how Scottish tax works, what it means for your take-home pay, and how salary sacrifice and pension planning differ north of the border.

Jan 6, 2026 • Tax Planning

Gift Aid for Tax Planning: How Charitable Donations Reduce Your Tax Bill

Gift Aid isn't just for charities. Higher rate taxpayers can claim back 25p for every £1 donated, and donations can restore lost Personal Allowance or preserve Child Benefit.

Dec 19, 2025 • Tax Planning

Junior ISAs: Tax-Free Savings for Your Child's Future

A Junior ISA lets you save up to £9,000 per year for your child, tax-free. Here's how they work, the difference between cash and stocks & shares, and what happens when your child turns 18.

Dec 12, 2025 • Benefits

Autumn Budget 2025: The Salary Sacrifice Cap Nobody Saw Coming

The government just announced a £2,000 cap on tax-free pension salary sacrifice from April 2029. Here's what it means for your finances and how to prepare.

Dec 10, 2025 • Tax & Policy

30 Hours Free Childcare: Eligibility, Application, and What It Actually Covers

Working parents of 3 and 4 year olds can get 30 hours of free childcare per week. Here's how the scheme works, who qualifies, and what isn't included.

Dec 5, 2025 • Benefits

Tax-Free Childcare: Get £2,000 Per Child Towards Childcare Costs

The government will pay 20% of your childcare costs up to £2,000 per child per year. Here's how Tax-Free Childcare works, who qualifies, and how to claim it.

Nov 28, 2025 • Benefits

Child Benefit High Income Charge: The £60k Cliff Edge Explained

Earn over £60,000? You'll lose some or all of your Child Benefit through the High Income Child Benefit Charge. Here's how it works and what you can do about it.

Nov 20, 2025 • Benefits

Bonus Timing and Tax: When to Take It, When to Defer, When to Sacrifice

A bonus can push you into higher tax brackets or trigger benefit clawbacks. Here's how to time and structure your bonus to keep more of it.

Nov 12, 2025 • Tax Planning

Pension Annual Allowance: The £60,000 Limit and How to Use Carry Forward

You can contribute up to £60,000 per year to your pension with tax relief. Here's how the Annual Allowance works, what counts towards it, and how carry forward lets you contribute more.

Nov 5, 2025 • Pension Planning

Salary Sacrifice for Higher Rate Taxpayers: Why 40% Payers Benefit Most

Higher rate taxpayers get 40% tax relief plus 2% NI savings on pension contributions via salary sacrifice. Here's how to calculate your optimal contribution level.

Oct 22, 2025 • Pension Planning