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Small biz MoneySaving

Archives for June 2012

Your view on a new Chinese clinic website? (Been removed twice)
(My post's been removed twice, and hope it is ok this time after I changed it. I don't know why they saw it's an Ad, instead of waiting reply for days, I post it here) I am working on a web site for a traditional chinese medicine clinic. His services is quite common: acupuncture, herbs and massage. I have to decide on…
Safety Booklets are on the prowl again....
Just had a call from them saying they they are calling from the Emergency Services Headquarters. Asked them to email me through the previous booklet and the distribution area. They said ok and put the phone down....but didn't ask for my email address! Number to watch out for is 0151 227 9996
Sole Trader profit/wages question
I am just about to do my self assessment online. My accounts are showing a profit of £3,500 but I have been paying myself this as a wage. How do I show this on my accounts?
Mechanic complaint to council
Hi guys, One of my neighbours approached me yesterday to tell me that someone had made a complaint about noise from his mechanic set up in his garage. He does use stuff like compressors but only ever between about 10am to no later than 8/9pm and most of the time it's just hand tools he uses. Reason he's done this is…
Should i start botox buxiness- help please :)
Hi guys, my names sarah and i'm seriously contemplating starting a botox business... wondered if anyone else has and how they are finding it. Im a nurse and really struggling to stay in the NHS due to having four little children and the current demands placed on me at work. I need to change my career so this isnt an…
contacting nike, adidas or puma??
Hello peeps Needing a little bit of help. Am looking to start my own business of selling football tops but need to communicate with the likes of nike, adidas, puma etc. I have trailed through their websites but can't really find anything about selling their products. Any guidance or help on this one please??
New cleaning business
Hello all, We have started an account here to try and learn a bit more about what is required for us to start a local cleaning business. My wife is due to return to the workforce after 12 years off raising our children and we as a family would like the flexibility of working for ourselves and if we are lucky enough to be…
Sole trader question
Been made redundant and was working a temp contract as PAYE,which has now finished. I also had a second contract using a umbrella company this work was about 2 -3 days for about 3 months but not every week and have P60 for this. This tax year worked on a temp contract that lasted 3 months and now finished but was paid…
Shop Window broken
Joy of joys someone on a bike/scooter has taken the courner outside our shop to fast and gone through one of our main windows. The police have told us it will be covered by the persons insurance and have checked he is insured ect ect. I was just wondering how it all works, do we pay for the window and then claim it back or…
Gutter cleaning
cleaning gutters, at least wot i have done,the bad ones, usually you scrap leaves and wotever out of the gutters and following use the blower to clean the rest out. It leaves the rubbish below, of which you have to clean-up. Is it better to use the ladder and a bucket?
selling and sending chairs to the US - how?
I am getting a lot of interest in our chairs from customers in the US but the delivery to the US seems to be very expensive..around £140 per chair (Chair box dimensions: 73cm * 72cm* 61cm weight: 16kg) I have searched on google and many other couriers but can't seem to figure out a way of sending goods to the US for…
Advice please - Commision-only sales for Non-EU services
Hello, My friend runs a web design company in India. I work in London and have delivered a few UK clients for him informally, but we would now like to take it up a notch and have me as a commission-only salesperson for his company. For every client that I deliver, I will get a certain percentage of the job. I want to make…
Debt Recovery Agencies - recommendations wanted!
Hi All, Like all small businesses, we suffer from occasional bad debts, despite following all the usual advice on chasing and avoiding. I get a lot of unsolicited calls from debt recovery agencies offering the world, but am pretty sceptical about them. I am looking for a recommendation of a reliable, effective and…
General Advice Seeked...
Good Afternoon all, My partner's parents are selling thier house and moving area due to a job his step dad has accuired. They are selling thier house and intend to rent. I know they have about £140k equity in the property. There thinking of buying an already established food business, this food business has been trading…
Self Employed Freelancer...do I need an accountant or IFA or both!?
:o Hi all, Having lurked on this site for a while I have plucked up the courage to try and sort my life out and therefore post a query! I'll keep it short here....I so many questions....:D My OH is a self employed freelancer, we have good months and bad months. He's terrible with money so I am going to try and get us on…
Print and sell T Shirts for an event - legalities?
I am after some advice please. If I was to print T shirts for a major event, for instance the Olympics or Wimbledon Tennis, would I be free to print what I liked as long as I didn't use any official copyrighted logo? Thanks.
Daisy - The Proactive Marketeers!
Just posting re our experience with Daisy Communications for the benefit of anyone considering using them, or indeed anyone with them right now who has noticed their bills creep up. We have had 3 lines (no broadband) for our business with Daisy since 2008. I am now in the process of extracting ourselves, and moving to a…
My new business venture
Hi All, I am a longtime lurker on this whole forum but now have the necessity to come in here :) Last night I launched my own website for a small pet sitting service. I am currently receiving quotes from specialist companies for Public Liability. If any of you can provide some more of these companies that would be great :)…
MSE News: NatWest, RBS and Tesco ATMs to allow charity giving
"Customers will be able to donate money to charity while withdrawing cash from this week ..." Read the full story: NatWest, RBS and Tesco ATMs to allow charity giving
Currency Development
Evening, This is my first post here but I'm going to get straight to the point. After reading about Lewes the West Sussex town introducing their own currency to boost the local economy I was interested in the legal steps that you would have to take in order to convince the local council to bring such a scheme to your town?…

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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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