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Small biz MoneySaving

Archives for April 2014

Declaring earnings on comission? Self Employed
Hi, I work as a self employed worker. There are some parts of my job I can't do, so I have some companies I get in touch with, they deal directly with my customer and have offered me a percentage of what they charge as an incentive for me to pick them, so I would consider this a commission. How do I record this as a self…
Self Employed Mileage
Hi there, as of April 14 I have started working part time self-employed. I currently drive to my jobs (which all last at least half a day) from home and then back again. I need to keep a track of the mileage I am doing whilst going to and from work. I was thinking of recording things on an excel sheet with the following…
VAT calculation
Hi guys, first post here so please be gentle! I'm waiting for a reponse from my accountant but I could be waiting a long time so I figured it would post here. I'm trying to calculate how much money I need to put aside to cover the VAT that will be due. Turnover = £8,030.50 VAT Due @ 20% = £1,338.42 Cost of Goods =…
Advice needed with setting up community healthcare project
Hi there, I am setting up a community based health care project. We will be treating eating disorders. This project will not generate any income. Funds will come at the start of the project and that will be only source of funding. There will be workers who get paid on a sessional/hourly basis, but they will not be directly…
Tagline needed for business - help!
I'm opening a 12 step house to help people with alcohol problems. I've got the name of the business, but I'm really struggling to find a strapline that explains precisely what we do. We're not aftercare. We're not professionals. We offer our own experience of recovery. Peer recovery using the 12 step programme. But somehow…
Slideshow/banner on website - where do I get the pictures from?
A post deleted
Mortgage for a not for profit organisation?
Hello - not strictly either small business or charity, but this seems to be the most appropriate board! I am a member of a not-for-profit, membership organisation. We own outright a large building where we run classes for our members; we rented it for a number of years, while we saved from our surplus income, and then…
Cheapest way of PC to Snail mail - sending bulk mail
I have around 1500 letters which are ready to be mail merged and need to posted (2nd class only). It is a one page letter and they all going within London. I would appreciate any guidance or referrals to any competitively priced and good quality companies you might have used please? Many thanks in advance
Becoming an employer help
Hi there, My husband is self employed and has a few casual workers that work for him - they all work under 15 per week so he hasn't needed to register as an employer yet however in the coming few weeks their hours will increase so he does need to. Can anybody recommend a payroll system that they use - he would be employing…
Bagging first supplier - Proof of Company?
I've been looking to start an ebay shop for a while and found a a few suppliers that I would like to begin working with. However, to be accepted by these suppliers I need to provide evidence of a company letter head (seems easy enough to create one) and also a proof of company. What is 'proof of company'? Some places have…
What is the difference between a Tax Return and a VAT Return
Hi Folks Could someone be kind enough to tell me the difference between a Tax Return and a VAT Return. Are these 2 separate things and different forms need to be filled in? Thanks
Buying stock from EU (Belgium)
Buying some stock from a VAT registered company in Belgium where the VAT rate is 21%. I'm a UK Vat registered company. What happens here? Do I reclaim the VAT at 21% in my VAT return?
Advertising Ideas
I'm in the process of setting up my own bag boutique business online and have been brainstorming ideas of where to advertise. I already have set up all the social media outlets in preparation including: facebook, twitter, pin interest, instagram and am working on a you-tube channel aswell. I'm wondering if there's anything…
Tax/NI on 2nd job as self emp
Hi I already have a full-time employed job & want to use my spare time to do self employed work but have a few questions.... I don't expect to be earning huge amount....no more than £100 profit to start with while I'm finding my legs. Does NI2 only take into account the self employed earnings in that case I can apply for…
Director Questions
I have a couple of questions about Directors and hoping someone can help. 1) Can a director be paid via PAYE? I know that a director has to complete a self assessment but is there any reason why a director could not be paid via PAYE and then submit a self assessment using the details from the P60? I suppose an issue would…
Holiday Pay for Irregular Hours?
Hi, My Partner and I run a small business and now employ 1 person part time. They work irregular hours and we are confusing ourselves on how to work out their holiday entitlement... I know they are entitled to 101 hours per year. these are the hours they work: Monday - 1.5 hours Tuesday - 6 hours Thursday - 1.5 hours They…
Buying a pub lease
Hello! Looking for some impartial advice. My partner (a chef) and myself have been looking for our own restaurant/bar to lease for a while now. Long story short we have found one in Edinburgh in a good location. It is brewery owned with 13 yrs left on the lease and the current leaseholder is selling his lease so it would…
Readymadebusiness4you
I was just wondering if anyone has heard of dealt with this company. My partner bought a franchise from them but they are not fulfilling their side of the deal. All our enquiries must now go through their solicitor (who is an extremely rude man!) We don't know where to go next :(
How to find current status of a building?
I recently bought a barn which has no official previous use The previous owner got residential planning permission but that has now passed What status it has got now? If the residential planning isn't taken up does it revert back to what it was previously?
Business planning advice?
Who can i speak to for advice about registering a property for business use? I own a building and at the moment the council do not know i am there Before i go telling all, is there someone i can talk to for advice? I'm thinking maybe laywer / solicitor? Thanks Dnet

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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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