Self Assessment: Avoid the January Crunch

## Who must file
– Directors (unless exempt), landlords, self-employed, higher-rate with untaxed income.

## Income to capture
– UK salary/dividends, rental, self-employment, interest, overseas income (check DTA).

## Expenses basics
– Keep receipts; apportion home office/phone reasonably.

## 10-minute checklist
– UTR confirmed; HMRC gateway access working.
– P60/P45, dividends, bank interest, rental statements, expenses log.
– Foreign income details and reliefs.

## Deadlines
– Register early; file before 31 Jan; pay on time to avoid surcharges.