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Small biz MoneySaving

Archives for August 2010

Merchant accounts / credit cards
I'm just about to open a new shop and am struggling to find a decent merchant account / credit card processing company. Can anyone please advise? Decimal Factor have given me the best rates so far - has anyone used them before please?
self empoyed taking on self employed
Hi there I run my own small business and need to take on someone to help me. I sell a service that charges between £8 and £18 per visit to someones home . Visits can range between 5 mins and 45 mins. Due to the low value of each visit my questions are... 1 if I employ a self employed person will this person be responsible…
Public Liability Insurance for one off charity event
Hi sorry if this has been asked before: Has anyone got any advice about where to get public liability insurance for a one off charity event? This seems to be quite expensive and is putting me off getting involved. I was planning on doing a cake sale with some friends but have been asked for public liability certificate.
Tax Return Help
Hi all, I know i have some time yet to file my tax return but i was self employed in 2009 and i need to file my tax recturn online or by post and as i have never done one of these before you see. What do i need to include in my tax return. Do i need to include any temp or fulltime jobs i did where i paid NI and Tax and do…
Accounts
Hi all Just wondering - as you are all so clever :D If anyone had a spreadhseet they use to keep records of their income and expenditure?? And if I could possibly pinch it :D If not, what is the best way you have found to do this? Many Thanks Carla
Can somebody please explain this better
Hi I currently am in a PAYE job paying around £8000pa (I'm part time) Yet I am wanting to start my own website business so I am looking into registering self employed. The website will earn its income from affiliate revenue. It is unlikely we will reach £5075 in the first year, so will probably apply for Class 2 exemption.…
Trade marks
Hi can anyone tell me how I would get someone to make up my trade mark design and would I regsiter it through the National Business Register? I have an idea of how I want it but I have no way of designing it on my computer. Thanks.
Can't get a business account fullstop
Hi everyone, I'm sure someone can help here. I am running my own company contracting in a specialist role for one of the big boys. Now I have my company set up. Only problem is I am unable to open a business account due to an IVA. I tried RBS Basic business account and got refused. The really stupid thing is, I have over…
My Charity Ambition
A short background: My inspiration for this came when I was watching a TV program about living on the bread line. There was a mother talking of how she couldn't afford to let her son play football due to subs, kit etc. As an avid sportsman this got to me, I feel everyone should have the chance to play sport. After doing…
Business loan advice, and general help.
Long-winded I apologise. Okay. I own a semi-commercial property with no-finance on it, but it needs work. The property as it stands is worth in the region of £120,000 but it needs considerable work. I will need about £40,000-£50,000, now I understand to go the bank the phrase "I need about" is never the best one to enter…
Working back gross pay from net pay
My husband and I started our own business, and took over an event that was previously owned by relatives (it seemed a shame to let it die off). So with that, we've inherited site staff that were given a net sum of £8.00 ph in their hand, and the accountant would work back the gross figure and the HMRC amounts that were…
Breast Cancer Awareness-Seafront Walk
I'm not sure if I'm allowed to do this so let me know if I've broken any rules! Anyway, on the 30th October a group of us are walking the entire of Eastbourne, East Sussex Seafront to raise money for Breast Cancer. Anyone is welcome to join us and help raise the pennies or if you can't please donate anything you can Oh and…
Crafting for Cancer -any help/suggestions
Hi everyone, I am a big charity fan and generally do what i can to help, so i am trying to help a charity that is close to my heart it's CLIC Sargent (helps children with cancer and leukemia) I have contacted them about doing a crafting for cancer fundraiser and the overall plan was to make handmade items to be sold or…
Issuing prepaid cards from our credit union
How does one issue prepaid credit cards for use with our credit union... or find out more information? There has to be a better place to ask this, but where?
Calculating Mileage? - Home / Office / Client / Home etc Help!
Hello there, Please could you help? I own a small company and I want to confirm to employees how they should calculate their mileage. For example Employee1 lives in Southampton, our offices are in Reading and our client is in York. Currently Employee1 claims from Southampton to York and York to Southampton. They spend a…
Health & Safety
Hi Does anyone know where I can get a free generic Health & Safety policy for an SME? I dont want to have to spend the day writing one from scratch! Thanks
Halloween Charity Fundraising
Hello and Thank you for popping into this thread!:wave: My friend gave birth to a beautiful baby boy earlier in the year but very sadly he did not survive the birth. We are doing some fundraising for a local charity that supported her and her partner with their loss and also helped to pay for the funeral. We want to have a…
Cheap pallet delivery from Spain to UK
Hi, I am looking to import a pallet of wine into the UK and would like some recommendations for cheap delivery companies to use. I have read that Palletto.com are very cheap but they seem to be off the radar as their website is no longer active. Please help! Thanks, Ollie
Facebook Marketing
I have received a call from a 'media company' who reckons for a monthly fee I could have an ad on peoples' Facebook page. Not only that, but they would be over 50 and within 15 miles from my firm - ie my target customers. I don't use Facebook, but I am naturally suspicious that this is a scam. Anyone heard of this?
The Empty Shops Thread - your area?
Because I was thinking of buying a shop, I've been taking an interest. I am taken aback by how many empty shops there are on not just secondary but some of the primary parades on my routes around Essex. What is it like in your area? With shop vacancy rates like this and if occupancy rates continue to fall as seems to be…

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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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