5 tips to spring clean your finances

1. Find a new ISA

Your fresh allowance started on 6 April with the start of the new tax year, so it's a great time to look for an ISA. The 2026/2027 ISA allowance is still at £20,000. If you can, take advantage of the tax-free limits, as the allowance doesn’t carry over if you don't use it all.

If you want to start the search for a new ISA, read our ISA provider reviews and see who our community recommends.

2. Check your bank account

Do you keep track of every transaction on your current account? It's good practice to check your current account regularly as it helps you spot anything that looks suspicious so you can report it. You'll also be able to identify unnecessary direct debits or regular payments so you can cancel them and save some money.

Maybe you’re still paying for insurance for something you don’t need or have any more, it could be an old magazine subscription you never read, or maybe you’ve signed up to something that you don’t use (gym membership, anyone?). Most banks allow you to log on either via your app or online banking to see all the direct debits you have in one go, so you can check if everything’s in order. 

3. Check your credit report

Your credit score can have a big impact on your finances whether you're looking for new loans and credit cards or you want to apply for a mortgage. There’s several credit report providers who allow you to check your credit score for free, and some also provide you with tips and guidance on how to improve your credit score. You may also uncover forgotten or unknown credit commitments that could be affecting your record.

Check out our credit report provider reviews to see which one might be right for you.

4. Check the interest rate on your savings accounts

Double check what interest rate you’re earning on your savings, and then do your research to see if you can find better deals elsewhere. Finding the best rate is important, but it's also a good idea to check savings provider reviews to make sure they also deliver a great service. 

5. Make a note of all your insurance renewal dates

We see a lot of negative reviews for insurance providers where people have been caught out by those cheeky auto-renewals, or they've seen large increases in their insurance premiums when it comes to renew. Check your renewal dates and make a note of them in your calendar, with a reminder about a month before to make sure you give yourself plenty of time to shop around and compare prices.