We understand, ISAs can seem confusing, plus you have twenty other things to think about before your finances. So here's a really quick check-up on your ISA situation.
Do you have an ISA for this year?
If you already have an ISA, that's great. Remember that you get a new contribution limit each April when that tax year starts, and this year its up to £20,000 (you don't have use all of that). So if you've already have your ISA for this year, then fantastic. Give yourself a pat on the back. If you've had an ISA before April 2018, but not for this tax year, then now may be time to consider one.
Are you a saver, but not using an ISA?
If you're saving, but not using an ISA, then it may be worth looking into what an ISA is. It's possible that an ISA could end up lowering your tax bill and in fact aren't all that complicated.
Are you not saving yet?
If you're not saving yet, then now may be a good time to start, even if you don't go into to the details of an ISA yet. Saving can be a great habit to get into, then you can look into the details of an ISA later.