Ms Ingram stated early action was also beneficial for those who are claiming Universal Credit.

The benefit is offered by the Department for Work and Pensions (DWP) to those who are either out of work, or on a low income.

To be eligible, a person must be over 18 in most circumstances but under state pension age, and have less than £16,000 in savings.

Establishing the tax they are due now, Ms Ingram explained, means funds set aside will not count towards the means-test Britons have to undergo when the DWP is assessing their eligibility.

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