THRIFTY TRICK

If you’re married or in a civil partnership, and one of you is a basic rate taxpayer on less than £46,350 a year, while the other doesn’t earn enough to pay tax, you can claim free money. Everyone can earn a certain amount each year without paying tax, known as the Personal Allowance. The Marriage Allowance transfers 10% of the Personal Allowance between spouses, so the taxpayer pays less tax. That’s worth £238 this year – but you can go right back to April 2015, totting up to a hefty £900. Go to gov.uk/ marriage-allowance