Quite straightforward but still enjoyable. "i" was not accepted as an answer for the "Pad" group, which seems a little unfair. Otherwise a good grid. Thanks!

I didn't put "i" among the linking terms for that group because, if I'm not mistaken, it would make any word starting with "I" acceptable.

@Link99: Probably a bit of a catch-22, as "i" is likely to be quite a common answer for those who spot the connection, but as you say it opens up any word beginning with "i" as a correct answer. I didn't take anything off my rating for the grid's quality because of that, and I awarded myself an extra point, so no harm done! :-)

Nothing wrong with erring on the side of generosity (a dangerous statement, I know). Nice herring, which did for me

I had "tax" for the "saving" group (tax money, tax time, tax day, tax file)