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Small biz MoneySaving
Archives for January 2017
Discussion List
Small biz investing money in property
Hi Guys, I have been thinking about what to do with the cash my limited company has made as profits. I'm due to meet with my accountant in a couple of weeks to discuss this among other things but I thought I'd see if you clever people have any ideas or points I should think about and discuss with him. My company is likely…
RTI penalties for new Director only biz
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New business, tax etc
Hi, I'm in the process of planning everything in readiness for taking the plunge into self employment. I will still be remaining in my present employment until I build up some clientele so I have a couple of questions to help me on my way please. 1) I have a logo & name, but intend to trade as a sole trader. Is this OK, do…
Help with control accounts and payroll
this is a time limited question: can anyone point to an idiot's quick guide to control accounts and payroll? Trying to record journal entries for payroll in an Excel spreadsheet, relating to one employee whose funding comes from three restricted grants, we've got details of the monthly gross payments, tax and NI - just not…
Shares Purchase Agreement
Bit of commercial legal advice required. My father sadly passed away in November. He and my mother both had 50/50 shares in a company they ran together. A buyer is keen to purchase the company, so Mum needs to transfer over my Dad's and her own shares. Solicitors are expensive, but Dad's accountant has advised that a sale…
New Enterprise Allowance - has anyone done this?
Hi All, I am currently on Job Seekers Allowance & due to various reasons, I am unable to work full time and I am struggling to find a flexible part time job with a decent pay rate. I have therefore been seriously considering freelancing, and I have a few leads for potential clients (I will be doing HR consultancy).…
Business Account Switching - Incentives?
Hi guys, I have two small companies and not happy with HSBC anymore since they want to control what account data I can see online. I wondered if you'd seen any banks offering switching incentives for business account?? Thanks
Credit File Default = No available finance for new business start up ??
Happy New Year to you all!! I set up my own business last Mar & it has been doing really well & 2017 is looking even better :) I had to retire due to ill health at 35 from my last job in 2014; received a tidy pension lump sum & a monthly pension. I have improved health wise hence new business start up. However because 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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