People often say that your house or car are your biggest costs. Don't believe it.  Unless you take appropriate measures it's tax. Remember you are perfectly entitled to arrange your affairs so as to pay no more tax than obliged by law. Reducing your liability even by relatively modest sums can really add up if you stick at it for years - compounding being the 8th wonder of the world. Sometimes you can eliminate the liability altogether which will help you generate more wealth more quickly (and assuming that you believe money spent by you is likely to be better spent than if spent by HMG, then this is for the greater good). Finally, even just paying attention to arranging the timing of the payment of your liabilities can make a material difference. Talk to us