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Small biz MoneySaving

Archives for January 2017

Registered charity FB problem.
Morning, all! I belong to a community group which is a registered charity. The person who was the admin for the group's official Facebook page, used to promote events and awareness had a falling out with the trustees and has resigned. However she is sole admin, won't hand over the FB page and is using it now to post…
Ecommerce website design
Hi I have been selling through an eBay shop for a couple of years and it's been getting quite busy, so I'm looking to take the next step. I would like to set up an ecommerce website to run alongside my eBay shop but I'm not sure where to start. I have no wish to learn web design, I'm much better concentrating on selling, I…
Second Business
Hello, I currently run a business partnership, but I want to start another entirely different business as a sole trader. What are the VAT implications and what is the best structure to protect my first business? The first business is just below the VAT threshold so not currently registered, but this may change because the…
Merchant account or alternative to Paypal
I need to take payments online, around £40k/year. Most of my customers are non-UK and I appear to be averaging 4% (including the 20p and the cross-border fee) total fee. Average transaction size is around £200. Is there a better way to do this?
New LTD company
Hello Just after a bit of advice. I've won my first contract and ready to start contracting. My company was setup in October 2016 and stayed dormant. First of all, do I need to let HMRC know I have begun trading, if so, how? Secondly, I'm trying to figure out how to pay myself - monthly / weekly? And how do I generate my…
Forming a Dormant Company while on Incapacity Benefit
I am currently receiving Incapacity Benefit and would like to form a company with me as director and then make it dormant until I am ready to make it active in the future. Should this be a problem?
New employee. This will be their 2nd job but MAIN job
Hello We are about to employ someone through PAYE. They are currently employed elsewhere but will be reducing their hours down (effectively a 0 hours contract) in case of any adhoc work they need him for (college lecturer, may still be used for invigilting exams etc). However, on the new starter check list he is having to…
Advice needed please on faulty printing
I hope someone can help me - I order letterheads from a new print company and requested that they change the postcode and directors information on this. So When proofs were sent to me to sign off, the details I was checking were the company registration number, telephone numbers, postcode and directors information. When we…
Considering FTC work for the first time
Good evening, Having been made redundant back in September, I'm considering an FTC position. I've never worked as a contractor so I'm totally clueless when it comes to things, but I'm under the impression that if the contract pays a salary that is in the 40% tax bracket, that it's more efficient to setup a sole trader /…
Who owns poem copyright?
If this is in the wrong section please move it. I've got a little side line going making prayer boxes. Inside them is a poem which reads: "When your head is full of worry and your mind can't rest Put your thoughts on paper and let god do the rest". It's a little decorated tin with the poem in the lid and a little notebook…
Rate Relief For Registered Office
Is it possible to claim small business rate relief for a property used as a registered office even if there is nobody at the premises on a day to day basis. I run a small software company and also have a small high street retail unit that is currently on the market looking for new tenants. I will only occasionally use the…
Ideas for a business name
I am in the process of setting up a business but I am really struggling for a name. I supply a wish tree with sweets on it for weddings and special occasions, any ideas to get me started? Thanks
Limited Company - Sole Employee paying myself a pension
Hello! Need some advice and a poke in the right direction, I have had my own limited company since the end of December, first date of trading was the 3rd January. Only myself as a contractor and looking on best way/how to pay myself a pension out of my weekly earnings. If anyone has a idiots guide how to do this it would…
Help UK Mail B2B Customer
Hi there I am going out of my brain I launched my shop online last week an had some 50 orders and decided to work with UKmail to pick up parcels on a daily basis. We've had no end of problems and I need to know what my rights are and how I can claim and recover the value of the contents in the parcels etc? So to explain…
Retail website - how to save on postage costs?
I have a fully functional ecommerce website why I'm relaunching this year. I was originally selling hosiery and underwear as postage and packaging was very easy and cheap. However I now have trade accounts for lots of lovely home wares too so I'd love to sell larger items. How do other companies deal with postage for large…
B2B Transaction Help Please :)
I have purchased a quantity of items as stock for my business. The majority of the stock is faulty, but not all. If it makes a difference it's clothes, cut from my own patterns, there are holes, dodgy stitching, pattern not matched up, wrong pattern pieces used. Do I have to reject all the units? Or can I reject just the…
Pension setup via NEST
Hi all, Just trying to get my pensions for my 2 employees set up with NEST and can't get past the account setup screen... I input all the details and then it just says system is experiencing problems. I've been on the phone to them, live chat, cleared history and cache, used a different device and different browsers but…
best forum i could find to post this!
Need a bit of advice in presenting accounts for a registered charity/ Company. Membership is about 500 members. I have noticed that in the preliminary accounts it doesnt show the amount of gift aid that we claim back. All it says for income is members subs ( 500x 20) £10,000 However i am sure that we are getting gift aid…
Completing first tax return - what expenses to claim?
I work full time but have been doing a bit of freelance work since October. I do my freelance work from home at evenings. I have a small office space in our spare bedroom and use my own laptop. Am I right in thinking I can claim back for rental space and utilities? I travel to client meetings once every couple of week, at…
Youtuber with Business account - How to get my money?
Hello I work full time and am in the 40% tax bracket My wife works part time and is in the 0% tax bracket I have a YouTube channel that does well and was suggested that I set up a LTD company (50/50 with my wife and I shareholders) / Business account to handle the monies. The money I earn from YouTube is 100% profit as I…

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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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