If you thought your energy bill rise was bad, wait until you see these …

Making things add up has never been more difficult and many people are expected to default on their bills. Photograph: Aleksandr Davydov/Alamy

The new tax year starts this week and for many, that means people being worse off. Spiralling energy prices and rising inflation are foremost in the minds of many householders. But changes in the tax system that come into play this week, and some bill increases that have received less attention in the press, are also set to cause a headache.

National insurance and dividend tax