Just passed the 100k salary mark but feel I'm doing everything wrong with my money

“You would have been wise to have asked this a week ago when you still had your 20k allowance from the last fiscal year. 1) You're saving money outside an ISA wrapper if you're getting tax bills. Put 20k in an ISA wrapper today, and everything over your savings interest allowance in Premium Bonds 2) You aren't saving much in a pension. Pensions are by a mile the most tax efficient savings vehicle for you, especially once you get over 100k and in to 60% tax rates.”