Annual Checklist
Life-cycle tasks organised by month. Things that don’t happen weekly but
shouldn’t get forgotten for a year either.
Recurrence codes: Y=Yearly, 2Y=Every 2 years, 6M=Every 6 months
January
| Task | Recurrence | Last Done | Notes |
|---|
February
| Task | Recurrence | Last Done | Notes |
|---|
March
| Task | Recurrence | Last Done | Notes |
|---|
| ANI threshold check | Y | | 1st week of March. Gather salary, interest, dividends, pension YTD. Calculate top-up needed to clear £50,270 threshold. Cron set. |
| LISA contribution deadline | Y | | £4,000 before 5 Apr to get the £1,000 bonus. |
| Bed-and-ISA | Y | | Tax year end — sell GIA gains within CGT allowance, buy in ISA. |
| CGT allowance check | Y | | Harvest any gains in GIA up to £3,000 before 5 Apr. |
| Pension contribution review | Y | | Check you’ve used the full annual allowance (£60k) if applicable. |
April
| Task | Recurrence | Last Done | Notes |
|---|
| ISA allowance reset | Y | | New £20k allowance from 6 Apr. Plan how to use it. |
| Tax code check | Y | | Check new tax code on first payslip. Should reflect pension relief. |
| P60 check | Y | | Verify income, tax paid, pension contributions all match. |
May
| Task | Recurrence | Last Done | Notes |
|---|
| Travel insurance renew | Y | | If you’ve got an annual policy. |
| Passport check | Y | | Valid >6 months if you’re travelling. |
June
| Task | Recurrence | Last Done | Notes |
|---|
| Dentist checkup | 6M | | 6 months since January? |
| Will & LPAs review | Y | | Check beneficiaries, executors, Power of Attorney still right. |
July
| Task | Recurrence | Last Done | Notes |
|---|
| Income protection / life insurance review | Y | | Still fit for purpose? Any life changes (mortgage, relationship)? |
| Home insurance renewal | Y | | Check contents sum insured hasn’t drifted. Already tracked in renewals. |
August
| Task | Recurrence | Last Done | Notes |
|---|
| Smoke & CO alarm test | Y | | Press the test button. Replace batteries if needed. |
September
| Task | Recurrence | Last Done | Notes |
|---|
October
| Task | Recurrence | Last Done | Notes |
|---|
November
| Task | Recurrence | Last Done | Notes |
|---|
December
| Task | Recurrence | Last Done | Notes |
|---|
Bank Switching (ongoing)
The best £150-200 offers appear unpredictably. Check MSE’s switching page
every couple of months:
Cross-Reference
Items already tracked elsewhere in the system:
Last updated: 2026-09-15 (Oct–Dec sections intentionally empty — seasonal items retired at Joe’s request)