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Small biz MoneySaving

Archives for February 2017

Negotiating rent on a commercial property
Hi all, I've been running a small business from home for the last 2 years and it has grown so much that I'm now seriously considering moving it into retail premises, particularly as I've had an opportunity come up that's too good to ignore. I've been to view the property and it's perfect so want to go ahead. I've been…
Business Plan- coffee shop - share it with the estate agent
I am looking to rent a place in a good foothall, as this is my new startup the estate agent is asking me to give him my business plan before he can consider my offer as i think he wants to make sure that the business will work. I am working on the business plan and that includes my research, target people and cash flow and…
Selling takeway and no hot food planning permission
My sister is selling her takeaway shop and the seller solicitor is saying that there isn't planning permission for the usage of the property as a hot food takeway with the deeds. When she purchased the business 18 years ago (as a going concern), the solicitor verbally confirmed there was planning permission (she didn't…
Private Limited Company Help / Advice Required
I hope you guys can offer some advice. Background - small private limited company in real estate, established for 125 years. There are circa 30 shareholders. Typical rights of pre-emption on disposal of shares etc. I am the largest shareholder (approx 26%), however the Directors have refused to offer me a place on the…
Desperate for help with partner dispute in ltd company
Hi - not sure if this is the right place to post this. I met a guy 3 years ago, we had a relationship. we both invested a large(ish) amount of money (mine was from my house sale) into a business and created a limited company. We are both 50/50 directors. We bought 8 building plots. I kept my part time job until the company…
credit card and tax bill
A quick question. If you pay your self assessment tax bill by credit card, are you able to claim back the interest charged, off your next tax bill?
Brexit Impacts on Small Businesses and Charities Thread
Limited but not limited
Not sure if this was the right section to post in but I have a quick question I have set up my own company and set my bank account up with the name as limited but I am not actually limited until next year. My accountant said I shouldnt have used that bank account but unfortunately (and stupidly) I didn't check. I was…
Sole Trader to Ltd then VAT?
Currently trading online as a sole trader for last 7 years, I am planning of opening a retail shop, I wish to go the Ltd Company route for that. So how do I move all my stock to the Ltd co? also if I want to register for VAT (currently well below the threshhold) will I be able to claim VAT paid when I was a sole trader, I…
Holiday Let Insurance
deleted post...
getting removed from mailing list
Greetings all, My Mother is being inundated with offers of "stuff" from a "charity" the Bradford exchange its all 2nd world war / army and heartstring tugging & limited edition of course - What is the best way to be removed from their mailing list letter or call or any body for regulating junk mail? Only Tel is a o333…
How realistic for a lamen to file company accounts/close a business?
Hi, My brother ran a small business and due to personal issues/circumstances it has gone under and accounts have not been filed for some time. The business hasn't been trading for about 8 months now, there are approx 1 year of accounts to submit starting from June 2015. I have submitted all the information to his…
Recieving Client Payments from USA
Hi, I have a small part-time design business with clients mainly in the States (this is to avoid conflicts of interest with possible clients in my day job). I have been using paypal for years to recieve payment from them, out of habit more than anything else. I always feel like I am getting ripped off and so have looked…
Starting new small business
I work full time but also want to get some extra money from a home IT support business in evenings and at weekends. Does anyone have a checklist of what I require to do legally to set this up. I have a website and will start advertising soon in the local are but want to know what else I need to set up. I doubt it will make…
Company not paying out
Hello, I will keep this short and to the point. I have a website. On that website I have slots for companies to advertise on. I have been using this particular company for about 4 months now. They are meant to pay every two months but are yet to pay out. They are crap at replying to emails as well and it seems other people…
In a bit of a pickle - a big one!
I am currently on sickness benefit but I'm on the road to recovery and looking at coming off this in the next 12 months hopefully by working from home. I have a fantastic ecommerce website which I paid for a few years ago it cost me £2500 :/ but due to ill health over the last few years I left it on the back burner for a…
Small self employed income- tax??
Hi, I'm currently full time employed and have the opportunity to take on a small amount of work on the side on a self employed basis. The total of the work would be about £3500 per year. This isn't enough to push me into higher rate tax or anything exciting like that, so am I right in thinking deductions would be at about…
need help with sage :(
Please help In Sage, How do I enter the following Direct Debit from Acc 1200 to Credit Card Acc 1240 ? £15.30 also if I make an extra payment from 1200 to 1240 would it be a bank transfer? £86.36 When I do a 1200 bank reconcile I have a difference of the total of the 2 figures above :( Thankyou in advance
help with sage
I have decided to try sage again, however could someone help me? I have just entered a month of transactions, and when i go to reconcile the matched balance and statement balance differ, the difference is the amount of a customer payment which I entered as customer payment. Have I done it wrong :( before I go any further.…
Losses and expiry
Hi there, I hope someone can clarify an issue I have regarding accruing losses in a business. My financial advisor has stated that "losses from ten years ago can be carried forward indefinitely and used against future profits." However, my understanding is that this is incorrect information. From what I have read online…

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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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