I’ll be back to paying tax next year once I get my state pension.
It's irritating still paying tax in retirement, when I look at my income tax contributions over the years. Especially during my peak earnings period '99 to '05.
We get clobbered as we have a decent amount of money coming in each year.
Although I have 10% of Mrs SD's personal allowance to offset a little bit of tax on my part.
We use the rest of her personal allowance + the £1000 savings interest allowance (for each of us) and her £5000 starter savings allowance to mop up at least some of our non-ISA investment interest. It's surprising how many people are not aware of the latter allowance.
Here's hoping ISA's survive the forthcoming 5 years! (Staying just the right side of the NCAP threshold there!)