Less light, less warmth, less good weather – it can seem that winter is all about less. But there are things that we can all do more of to lift our spirits and improve our wellbeing.

Tax is usually deducted automatically from wages, pensions and savings. But where it isn’t, and you’re receiving taxable income, you may need to submit a tax return. Here are 5 suggestions to make sure that you have everything you need to complete your assessment on time and avoid the automatic penalties.