If you have savings, and aren't using an ISA, then you're over-engorging the taxman's pocket. A Cash ISA is simply a tax-free savings account; get the top payer and it's a big interest boost. You can deposit up to £3,600 between now and April 2009, so go now and earn as much interest as possible

Make the most of your allowance - Only 38 days to do so!

BEST DEAL AT THE MIN

Saffron BS 7% AER for 12 months. For 08/09 OR 09/10. ENDS MONDAY

The Regular Saver Cash ISA from Saffron BS allows you to save from £25 to £300 per month. It's available via post or in branches. Go quick though as this rate will disappear on Monday 2 March.

You can't make withdrawals during the year. However, after 12 months, the account automatically moves to the Easy Access ISA, at which point you can transfer out.