March is often described as the "ISA season" by Financial Advisers, as people get round to using their annual tax-free ISA allowance.
But why do we all leave it until the last minute? Saving for the future is important, and it's not the best policy to cross your fingers and hope you'll have enough money left at the end of the year to put something away. Imagine if March was "mortgage season", and we paid nothing off our mortgages all year and then frantically tried to scratch together enough money to make 12 months' repayments in one go. It'd be absurd.
If, for example, you're planning to max out a cash ISA this year (£5,100 in all), why not consider setting up a standing order for £425 a month? That way, the ISA will be fully funded by the year-end, and you won't have to leave things to chance at the last minute.
If you're not sure how (or whether) you should be using your ISA allowance then you should speak to a Financial Adviser - we can put you in touch with one we trust if you don't have a relationship with one at present. But do think about having a strategy for funding your savings - don't just cross your fingers and hope for the best.
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