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Small biz MoneySaving

Archives for March 2006

billboards
Does anyone know the price of advertising on a standard billboard?
Pay Per Click on Website
Hi I was just wondering if there is anyway of telling who has been clicking on your own website? The reason I ask is that a relative set up a website a few months ago and for the first month or two his monthly bill for pay per click was £5. However, it has now gone up to £40 last month but has not had even one enquiry. He…
Advice on PAYE and contracting
Hi, I am looking for some advice for my partner relating to an agency that she has just stoped working for, any advice would be appreciated. The details are as follows: - She got a job for 14 p/h, for 6 month contract, agency assumed she was self employed. - She is not self employed and wanted to use their PAYE, now told…
invoicing and receipts
about to start my own business and if anyone can help how do i set up invoicing and how much roughly will it cost
Contacting mail order companies
Hi everyone,has anyone had any experience in contacting mail order companies?They all have a large e-mail data base and i was hoping to persuade a few to use their data bases to promote my internet business knowing that they will make a nice profit from it aswell.
New Party Plan style Business - how do I accept payments via credit cards ??????
Hi all, just in the process of setting up a small business (jewellery, watches etc.) and am thinking of going down the party plan line. How would I go about accepting payments from customers via a credit card. Is it possible, or is there a lot of outlay? How do I go about it? Also, what are the pitfalls regarding security…
Overpaid PAYE for your employees?
I thought I'd give a warning to any other employers out there. If you have overpaid your quarterly (or monthly) PAYE payments to HMRC, you have to actually write to them to ask for a refund. I have been told that the HMRC don't actually send out statements showing any overpaid amounts, and what's worse, they don't…
Best value credit card for small business?
Hi I was wondering if anyone had some tips on the best value credit card to get for a small business? We're currently using a Viking MBNA VISA card (£50 credit with Viking Direct in the first year) but there's an ongoing annual fee of £50 per card so we're looking to swap. I've tried searching the MSE forums but the search…
Do VAT inspectors understand VAT regulations?
A bit tongue in cheek this but I've had two experiences over the past few days that make me think. 1. The same enquiry of 2 different Inspectors gave opposite opinions. The final advice was to proceed but risk having the considerable additional costs of being assessed as following the wrong procedure and having to go to…
Setting up B&B
If you are looking at setting up a business such as a b&b what is the easiest way of getting a loan/mortgage to do a house? The income would be generated from the b&B business. Also, what are the options for france on such a project? Thanks in advance
Bad Debt
I am owed money by a limited company about £ 2000 So far I have sent solicitors lettes which have not been answered and I have found out that the company has 12 CCJ's over last 6 months but are still trading. By chance I got a SPAM email from a company that claims to recover bad debts, They state that its best to keep it…
Vouchers directly to nursery?
I have my own limited company and buy childcare vouchers for myself through an intermediary which costs 4% because that appears to be mandatory - Inland Revenue fact sheet says business can't pay childcare to nursery directly. However,, I ran into another mom who said there was a way to do it directly with teh nursery by…
Funding business related charity work
I run a Animal Ambulance / Pet Taxi along with other pet care services I offer, mainly people book me to take them to vets, kennels etc. I am increasing asked if I can help out the local Wildlife Rescue Centre with the collection of injured animals. This is done by volunteers normally but they have seen my van / ambulance…
making invitation cards
It is my hobby making invitation cards. Friends and family were so impressed that they bought some from me. It make me think that i could sell more but how do i go about it. Any hints or advice would be appreciated. thnks
Funding for Choir - Pan Celtic Festival
Hello, Has anybody got any ideas of a quick way to raise money for a choir that's going to Ireland in April to represent Wales in the Pan Celtic festival? We've already held a few concerts and we are off on a sponsered walk soon! (If anybody wants to sponsor me ;) ) Do you think any companies would be willing to sponsor…
First (& probably only) year as Self-Employed; Questions
Hi, I'm hoping someone can help answer a few questions. Since April 2005, I have been registered as self-employed as I have done some freelance work. At the same time, I am also registered as PAYE (paying NI and tax through them every month) at a company I do part-time work for (entirely different field of work). Inland…
Stocking a computer / electronics shop
I have always had a (probably very naive) understanding that shops bought their stock from a wholesaler, sold it on and lived happily ever after. But what i'm finding (relative to a computer store) is that local wholesalers aren't that cheap and i can get the stuff i need cheaper from the likes of ebuyer, scan, rambox etc.…
Advice please
My OH worked unpaid (he never drew a wage) for a Ltd company for years, owned by his now ex wifes parents. Her parents said 3 years ago that he could have the company and he was told everything had been signed over to him. In the last year the company has struggled financially and while going through the books and…
company secretary
when starting a company does the company secretary get a credit check by the the bank when opening an account?
Cost of setting up a hairdressers
Hi, I know this is a long shot, but can anyone give me a clue as to what the initial set up costs are for refitting a shop as a hairdressers. I'm thinking about setting up in business, and I haven't got the faintest idea whether this would be within my reach. Thanks S :wall:

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Small biz MoneySaving

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