I've just returned from a wonderful experience travelling around Vietnam and have started looking into taking up a permanent post, hopefully enabling me to get a mortgage and buy a property sometime in the not too distant future. I'm at U2 on the pay scale, and in previous years this has meant I've been taxed at the basic rate of 20%. It would appear now though, that in a full tax year where I am fully employed I will now fall into the highter tax band and be taxed at 40%. I've worked out that my gross pay minus tax alone will now be £21,268.20. If I were to earn just £1077 less, I'd be £5,150.80 better off overall (before pension and NI.) Can anyone tell me if I'm waaaay off the mark in my calculations, or should I pack my bags and head off to sunnier climes? Also, can I go back to U1 ? All opinions listened to........and yes I know I'm a lucky wotnot! Thanks, Amanda.