Well, you make them at the new calendar year, so why not make a few now? Here's a few suggestions:-

1) Do you Cash ISA now; some people seem to think its a good idea to leave it till April the 5th to put money in a Cash ISA. This makes little sense as you are foregoing 12 months of tax free money. OK rates aren't great at the moment but they'll rise again and the sooner you get the money in a tax-free account the better.

2)Increase your pension premium; inflation is rarely at bay and if you don't regularly increase the pension premium that you pay, then the value of your investment is going down in real terms. Many providers give you an 'indexation' option to link your savings to RPI or National Average Earnings, if not you can just do it on an ad hoc basis.

3)Consider your Capital Gains Tax situation; there might not be that many gains at the moment but even losses could be useful as some can be offset against future gains. You need professional advice about this, but it's wise to look at use of these allowances every year.

4)Do your Tax Return - Now!; I know that the HMRC give you until September, but if you get it done now it's a weight off your mind and if earnings are lower than expected then you might get a rebate against the July instalment. If the tax due has gone up (lucky you - you've earned more) then you have more time to plan. If you speak to your adviser, you might find out about some ways to reduce your tax bill. The quicker you do the Tax Return the more time you have to plan for the bill.

5)Speak to your financial adviser; we're here to help - a annual review is a good idea just to make sure that you are doing the right things and if points 1,2, 3 & 4 raise some questions - we might just have the answers.

so go, make a resolution and do it today.