Tax refunds, tax returns, PAYE, Self Assessment: it’s tough to get your head round HMRC’s tangled world of tax. Every time you think you’ve got it straight, the taxman changes the rules on you. What’s more, he kicks up serious grief if you don’t keep up. If you can’t speak his language like a native, you can quickly end up choking on fines, penalties and worse.

Welcome to our no-nonsense guide to UK tax. Whatever tax questions or worries you’ve got, a quick read should set you straight.