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New to the Small Biz Moneysaving board? Start here
Useful guides from MoneySavingExpert.com Do I need a business bank account?Coronavirus Self-Employed & Small Limited Company Help
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12 Month Battle Won against DPD courier network
As a small business owner I contested surcharges that were applied to our account by the Courier Network DPD. From March 2019 surcharges of £18.00 per parcel were added to shipments that they considered ugly!!!! Invoices were not paid as I contested the charges amounting to over £500. DPD embarked upon an aggressive…
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Latest HSBC data breach - personal identity theft
A couple of weeks ago I applied to open an HSBC Small Business bank account - only to receive the following email this morning: "We recently became aware of unauthorised access to a third-party platform, which held documents, images and contact information provided when you applied to open a new HSBC UK business banking…
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Treasurer Accounts - fee-free for charities and not-for-profit associations
There is a useful thread on this forum relating to Treasurer Accounts, particularly those used by unincorporated associations such as community groups, Cub and Brownie packs, social groups, etc. Understandably, because that thread goes back to 2004, it has now been closed, but the difficulties caused by many banks no…
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Warning: Company registration scam
I registered a Limited Company, which turned out to be the wrong vehicle for me at the moment, but that's another story. It can always be repurposed later, so no harm done. But I was startled, a few days after paying my £50 to Companies House, to receive this in the post: I'm not normally gullible, but it took me aback…
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NHS employment and Sole Trader
I’m employed full time with the NHS but want to start up my own small business as a sole trader. I’ve gone through my work contract and can’t find anything stating whether this is or isn’t allowed. Is there anyone on here in the same situation and can let me know what the rules around this are please? Thanks
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Google Ads - Be Warned
If you are a new business and take the advertised spend £400, get £400 free Google credit, be warned! I recently invested in Google ads because of the promotion, under the impression that I would spend £400, and get £400 back. After much chasing, they informed me that a promo code needs to be applied when you first open an…
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Incorrect merchant
Any suggestions on how to resolve greatly welcomed...my business details are appearing next to all customer transactions (on bank, credit card & Apple Pay statements) for a well known high street store. So many calls/emails daily from angry customers thinking we have taken money from them but when asked if they had shopped…
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What 'income' do they mean?
Hello, I have a full time job and I am considering to sell my hand-made items online and wherever, not relevant to my job. My employer is deducting taxes on my behalf so that part is sorted. How about the sole trader situation? Reading HMRC rules they talk about up to £1000 income when I don't need to tell the HMRC. I…
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Tell HMRC I don't owe any tax
Hi, my company was registered on 13/11/2022. I'm the sole director. The accounting period is from 13th November to 13th November each year. I've not been operating for a full accounting year yet, so I don't have to complete my company tax return yet. I see that I need to tell HMRC that I don't owe any tax 9 months and 1…
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Commercial rental
My daughter currently pays £2000/month for space in a wedding shop. They now want to increase it to £2950. She has also found that they are advertising it for £650 to new tenants. It seems they are trying to price her out of the store, is there a law governing these practices.
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Working From Home
Hello you very knowledgeable and wonderful people that make up these forums. I sincerely hope you are doing well today and you are happy. I find when i am working from home, i work at home a few days a week doing website design, i find i jump onto my PC in a morning without breakfast, my meals get late like lunch and i…
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SUPERMARKETS (Sainsbury’s looking at you here!) AND VAT arghhhh
Hi all, Newbie here - need to vent. Not sure if I have put this under right heading but hopefully someone will point me into the right direction if it needs to be moved. Can I just have a MOAN about why supermarkets are so reluctant to say which items have VAT... it's doing my head in. I work in catering and we have to use…
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business media competition for free marketing
Comping_Rich posted a comp from Intuit QuickBooks here: https://forums.moneysavingexpert.com/discussion/6363109/e-31-07-win-a-media-package-worth-30-000-for-your-small-business-thanks-to-intuit-quickbooks#latest for anyone who's interested E: 31/07 Win A Media Package Worth £30,000 For Your Small Business Thanks To Intuit…
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Strange Tripadvisor request
We advertise our non-uk EU property on Holiday Lettings which is part of Trip Advisor.Yesterday, I had the following email which is rather confusing. Hello J B, We're writing to you today to get clarification from you about the nature of your rental operations. New consumer protection laws that are soon coming into force…
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business questions
Hi all, I am wanting to start a small gardening business, it is still in the planning stage and i have some obstacles to overcome before i take to leap (i.e passing my driving test). I have got a few questions to ask so sorry in advance. Firstly i am wanting to know if they would be any grants out there to get me started…
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Tax refund paid to accountant
This year I've been fortunate enough to qualify for a tax refund on both my business and personal accounts. When returns were submitted by my accountant, their bank details were entered for the repayments. The refunds are worth a few hundred quid, how long should I expect to wait before receiving the funds? Asking here as…
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money saving
What small change for a company resulted in the most money saved?
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Possible 90 days FREE Adobe Products
Hi guys, Unsure if this is the right place to post this one as I'm new but figured it may help someone out who is a small biz/self-employed and has been affected by COVID. I recently reached out to Adobe as I was struggling to afford the £30p/m for full Adobe creative suite and with me not having much work I didn't really…
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Operating a business from home - considerations
I just wanted some general advice. I’m toying with the idea of starting a business and operating from my home. It’s based around my own crafts that I want to go on and sell preferably through an online platform. I don’t own my home, I rent. What would I need to take into consideration? Such as insurance? Permission to do…
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Best way to protect your product
Hi,I'm selling custom made food which are like specialised cakes.The name im using for them I've had trademarked.I'm also thinking about getting the logo trademarked if thats possiable.We started selling these items from March, an noticed on ebay one/two sellers copying the images and the name of the product.We have…
