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Small biz MoneySaving

Archives for October 2014

Splitting Costs?
Hi Everyone, I'm after a bit of info on how to split costs between 2 businesses. My partner and I are both setting up new businesses (1 each) we will both be sole traders. He has a lock up that he rents and I am looking at purchasing a van. We will both be using the lock up and van for our respective businesses, so what is…
help with marketing
I am trying to help a friend, my internet knowledge isn't great but she needs help and I want to do what I can. She has an eBay shop & a website - Ebay has been the main selling platform for her and sales have been consistent. Over the last few months she has noticed her sales have dropped, when searching google for her…
Legal requirements for biscuit making
Hi, I need a bit of help. I am a craft trader. I sew and paint and have a market insurance to cover such goods. However, I do great biscuits for Christmas, and I want to add some to my stall. I am having trouble to find out the legal requirements. Do I need my kitchen checked by somebody? And who do I in that case contact?…
What is the best company to use and finance a van for new business start up?
Hello everyone. I am looking for advice on the best company to use and or the best finance arrangement to be able to get my self a small to medium size van for my business start up. Window cleaning Company. Have run one since 2008. Had to give up due to ill health. I am now well again and due to start self-employment. I…
reselling goods
Hi, I hope I'm posting in the right place and don't confuse anyone! My friend and I are thinking about starting a business which will involve bulk buying goods, repackaging them and personalising them and then reselling. I wanted to know whether we have to credit the companies from whom we bought the goods? If we don't,…
Copyright laws..
I was just wondering, for sake of explaining pretend I was selling printed leaflets. If someone came along with a Disney designed leaflet that I printed, could I actually be done for copy right considering I was the one that printed it? Or does the blame lay on the customer as they provided the artwork? Whist I wouldn't…
Private Limited (Family) Company
I am a 50% shareholder (owner) of a Ltd Company along with my brother. I resigned as a director some years ago because the Company was facing insolvency, leaving my brother as the one remaining director. Our articles of association state that there must be at least two directors. Since my resignation, my brother has been…
Window Glazing business advice needed.
Hi My cousin is running a small double glazed window / Door / Roof / Painting business and that is his bread and butter & doing well. I work in a IT company where i work 4 days and then next 4 days re off due to nature of my hours. I always wish to start my own business and last night my cousin offered me to become his…
Web site design and hosting
Hi I'm helping my partner get a very simple, 3/4 page website on line to promote her startup speech therapy busines (no online payment required). We are looking for hosting and template website design that we can improve on later, for a low price. There seem to be a large number of providers and no easy way to compare…
Buying a business (cattery/kennels) - how?
Hi all I'm a first time poster in this forum. I currently run my own business, a dog walking and pet sitting service. A friend mentioned something to me the other day and it's got the old cogs turning... There's a cattery and kennels business for sale in a nearby village. It's for sale along with the residential house, for…
Who's happy with their business phone / broadband provider
Hi Am with BT for phone and broadband and have been happy with both for the most part as don't get problems very often. However the costs are going up all the time but when looking at other providers see nothing but bad reviews so thought would ask for the other perspective Thanks in advance for the help Ann :)
Starting an Online Estate Agent - What's involved?
Hi everyone, I am looking to start my own online estate agency but I don't know which is the best way to go around it? I want to be able to have a great website with powerful software that feeds into Rightmove and Zoopla. Can anyone recommend anything? Thanks all!
Advice on raising money for someone in need....
Hello, I need to find an online tool to collect donations for a work colleague who's daughter needs to be flown to the US to get treatment on a tumour. NHS is funding both parents and sick daughter but not 3 year old sibling and the family really need our help to get some cash together. Team have loads of great sponsorship…
New Business starting soon,advice needed please on promotion
Hello everyone, hope you are all well. In short y new window cleanign business starts soon and I am nervous I have everyhtign in place I need to. I am 99% set up and happy, but wante to ask here as the replies on other peoples posts are brilliant and so helpful, I thought I would try and seek some great ideas for mysefl…
Is it legal...
Without going into the background (not needed - i don't think) can someone give me some advice... I sent a cheque which was physically attached to a letter. The letter contained a stipulation over it being cashed. The organisation involved have admitted that the letter was removed and disposed of without reading - the…
Public liability to hold craft fairs in a pub
Hi. I have hired the function room in a pub to on 3 different dates to run craft fairs. I sell table selling space to crafters. The pub has its own public liability and the stall holders also have it. So do I need it as well? I don't mind getting it, just don't want an unnecessary expense. Thanks.
*Urgent* please help - filing dormant accounts
Hi I'm in need of a bit of urgent help please. HMRC have accepted my application for my limited company to be registered as dormant as it did not trade for the financial year ending 21 January 2014 so I don't need to file again until I start trading. Companies House initially misinformed and I am now told I cannot submit…
Value of expenses when staying away on business?
Hi all, I am going away on business for a few nights next week. This is for my own limited company. Can anyone please advise on the value of expenses I can legitimately claim for evening meals, etc? Or better still point me towards a HMRC data sheet- I've searched the HMRC website but can't find any specific info. Many…
Bought business furniture, and got £100 quidco, should the quidco amount be declared?
We bought a few thousand pounds of business furniture and pcs. We bought through the cashback website quidco...and got around £100 cashback. Should this cash back be put into the business accounts or ignored and seen as personal? What do you think? What is legal?!
How do I sell my website?
Could anyone tell me if there are any sites where I could sell my website. I paid £2400 including VAT for it. How would I value it? Also it is set up with Sagepay. Is it possible to transfer this over to the new buyer or would they need to set up a new sagepay account and repay for it? Thanks

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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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