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Small biz MoneySaving

Archives for January 2014

Twice the V.A.T???
Hi, Really hope someone is able to help. I currently do the books for my husband's franchise with a courier firm and he has decided to register for VAT. I will need to file the first VAT return at the end of February, so am getting my head around what we can and cannot claim for. My husband has a fuel card, provided from…
Working from home
I work part time and currently live with my parents who own their house. I want to start selling used items regularly on places like Ebay. My parents don't mind this but don't want strangers visiting to collect so everything will have to be delivery only. My intended business is just me and my laptop. I was looking at a…
Can I cancel a credit note after I've issued one
Hi. Over the past 6 months I've reluctantly issued around 10 credit notes to a costumer after they unreasonably queried invoices we had sent. We were told that if we didn't issue credits we would loose the work. So in order to keep doing work for this company and looking at the bigger picture, we gave them the credits they…
Where to advertise for staff?
I have a part-time position vacant in my business, just a few hours a week. I am not sure where to advertise. Last time I used the local press there was little response and it was expensive. What are the best on line sites to use? I have registered with Indeed for free. I am prepared to pay if it is effective. Any tips…
Registering with Companies House???
Hi all, I've decided to register a 'group' company with Companies House ('CH') (i.e. I already own ABC1 and ABC2; I now intend to register ABC Group). On CH info, it advises, in respect of the word "group", "To use this word the company should be part of a group that includes two or more existing companies. You should…
Virtual Offices
Hello all, Just wanted to pick your brains about virtual offices. Are there any providers (or good sources) to locate virtual offices around the country. I use British Monomarks in London. I have heard for Mailboxes etc - who provide a suite number and then the address. Are there any others? I am looking to rent a mailbox…
SEO training
Hi Everybody, I've been reading the threads re SEO and website promotion with interest and I would like to know how and where I could learn to promote my site more effectively. Any ideas?
Buying from Polish Supplier - SWIFT
Hi All, We have begun ordering stock from our suppliers in europe and while most are fairly simple and want their money in EUR our polish supplier wants a bank transfer in GBP. Does anyone have any ideas how to do this cheaply, at the moment we are paying £1-2 per transfer from £toEUR and paying £25 to the bank to transfer…
License needed to sell drinks & snacks in a shop?
I'm opening a hobby/craft shop where I'll be running workshops too. I've tried to find out on t'internet whether I need to have a license of any sort to serve tea/coffee/juice and bought cake/biscuits/crisps or if I need any H&S or hygiene training but I can't find anything so turning to you guys for your knowledge. Thank…
How to promote business on small budget
Hi Guys, I have recently launched a small online business and I am trying to find a way to promote it without spending a huge amount of money. essentially it is an online wedding dress shop. I am able to do competitions etc. I am just a bit stuck as to how to get visitor on a tight budget. Any ideas would be greatly…
Selling a Small Business HELP
I'm selling a small, internet based Business. It's about 10 years old and makes a very healthy net profit every year. There is a warehouse full of stock that will form the bulk of the sale. I have decided what price I'd like to get. I've advertised it using a "sell your business wiv us . com" kind of website. I pay a small…
Creating association between 2 limited companies?
Hi all, I have a limited company and am planning to set up another. I am the sole director and sole shareholder of the existing company and this will also be the situation for the new company. My query is - Will this cause an association between the two companies (e.g. for taxation purposes)? Thanks in advance!
Multiple Limited Companies or multiple businesses under 1 Limited Company???
Hi all, I recently set up a business (Ltd. Co.) and I now want to set up another business, but I don't know if I would be best merging it with the existing Ltd. Co. or setting up a new one? If I did have the two businesses as part of the one Ltd. Co., I would have to change the name, as the existing Ltd. Co. name does not…
Can I put decorating work against my tax bill?
I'm a freelance writer operating as a sole trader for some clients and also under an umbrella company for other clients. I work from home. I recently had some plastering work done on a wall in my house as well as some painting. I have receipts for materials and labour with the total bill amounting to under £800. Can this…
Received a bill for a dissolved company. Please help
Hi guys, not sure if this is the right forum for my question but I couldn't really see any other heading for it. I have a quick question please, I was the sole director of a Limited Company tat was dissolved by Companies house in 2010. While the company was active, I used a service from a call forwarding (0845 number…
Rugby Tots - Franchise Opportunity
Hi, Has anyone got experience of rugby tots either as a customer, coach or franchisee. We are looking at it as potential franchisee's as we have family doing well from similar franchises. Its a big commitment though and I am struggling to find independent reviews and feedback online with the exception of the stuff on the…
Work for SME loosing pool car need help
I work for a small business and I had use of a pool car. The two people I shared the car with have left the company and the car is too old and not viable to keep running (it belonged to the md before) I have just been made a director and went to the garage to buy a replacement car. The company is quite new and we were…
Raising funds for start up
Hi all I know this has probably been asked a thousand times but i cant seem to find anything at the moment. I a looking to start a retail business selling toys However i have a big issue with funding. I need capital to be able to succeed with this. I dont know where to look or source this. My personal credit rating is…
rejection letter
I need a rejection letter from a bank as I am applying to a government backed organisation for a loan and need a bank to reject my application first. Banks say no but won't give me a letter or send an email even, what can I do?
Whats the best mobile credit card machine for a small business?
Hi We are looking at getting a credit card machine for our small business and are getting totally confused about it all! We have just read about the Paypal machine that you can buy for a one off payment of £99-00 but it is a charge of 2.75% on every transaction, is this the best deal? We are also members of the National…

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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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