true stuart but there is no 'tax on account' for PAYE. you pay the right amount of tax on your weeks/months pay and thats it.
I think its just the difficulty in moving from not having to worry about tax cos you never see it to having to pay huge bills!
True it's a huge leap, a lot bigger than many appreciate. I'm glad I started while I was living with my parents.
One of the reasons I encourage new startups to start to pay the tax man weekly from week one is that it more closely reflects PAYE. Even if it is only £50 out of £500 its a start, you get into the habit of the money going out and you cant 'borrow' it whenever you want.
I've paid weekly for a few years now. I have a good idea from my accountant what my liability will be and split it accordingly.