Small biz MoneySaving

During a hearing the judge has given permission to the Defendant to make an application within a specific number of days. The Defendant has filed a N244 application notice within this number of days putting some explanation in Section 10 of this form but without attaching any witness statement to it. The court has listed a…

SumUp users may be familiar with SumUps referral links & £50 bonus if your contact buys a card reader etc. I’ve used that to create an additional account for myself to tidy up my payments for HMRC, I referred myself which gave me half price deals on the new account, but it also worked to be paid a £50 bonus on my original…

I help with finance/admin for a small business as a side hustle and we recently had an issue where a scheduled customer payment collection was delayed unexpectedly by our payment provider. The delay only lasted a couple of days, but it still created a lot of chasing, customer confusion, and cash flow stress. It also made…

I help run a small but growing SaaS business and we’re starting to take on some higher-value business clients. We’ve been looking at doing a bit more due diligence on where payments are coming from, mainly to avoid issues later on. At the moment, proper checks seem quite manual or require specialist support, which can get…

For those running small online shops, how are you handling refunds without losing too much to card fees? We process ~2,000 orders/month and fees on refunds add up quickly. Are there lower-cost refund methods people are using, or ways to reduce those charges?

I don't know if this goes here, but I am trying to work out some stuff before I actually do it. So i have a primary job, earning around £28k/year. I freelance on weekends as an instructor and can make up to £250 on the weekends (but wouldn't always work every weekend). So my intention is never to cross out of the 20% tax…

My son is 18 and has started working on site under the CIS scheme. He is sorted for with the Inland Revenue with his self assessment number and he’s registered with the CIS scheme. He is paid an hourly rate and the contractor he works for is deducting 20%. All ok so far, I think. We will keep all receipts for tools and…

Hi all — I've been a member of this forum for over a decade and have always found it genuinely useful, so I hope you'll forgive me for asking here directly. I'm looking for a reliable, affordable accountant. I run a one business which I am looking turn into a limited company and have been self-employed for over 20 years,…

Hi, As a self employed business I would like to change my end of tax year from 5th April ( which it has been for the last 10 years) to 31st March, This is to align with credit card statements and bank statements and make it easier when I have to complete Making Tax Digital ( currently my gross earnings is about 25K). I…

I really wish I'd seen more of the awful reviews on trustpilot and here before purchasing from Sensory Education. In October 2025 I bought a 'bespoke' (I wasn't told it was bespoke and being made in europe) cabinet from them on behalf of a SEN charity, costing £1,044- and paid by bank transfer against their invoice. They…

Hi, I’m starting my own company but I don’t want the address of the business to be my home address. I’m assuming the best option is for a virtual address that you can pay for? Is it basically a mail forwarding address and therefore does it take twice as long for mail to arrive? Can anyone recommend a reputable company and…

I went it alone nearly 20 years ago as a small electrical firm(most 4 employees at peak)commercial and Domestic. These days I am just slowly getting older and winding down to retirement, but healthy and still loving it apart from a recent 18 months of illness that has now past. In the last 12 years I have had an insane…

Hi. I'm self employed and deal in building maintenance, renovations & repairs. On larger projects I get specialists in that I trust and overseas as well as work. Over the years I have built up a good client list based on trust, good work and word of mouth. I have never advertised. I belive if you do a good job, priced…

We’ve got four business bank accounts and our bookkeeper currently downloads statements from each one, then imports them into FreeAgent. The issue is the formats are all slightly different, so we keep running into small errors during reconciliation and it takes extra time to fix each month. Is there a simpler or more…

I am a non vat registered sole trader selling online mostly on ebay and by website - all my sales go through a Starling business account . I usually fill in a spreadsheet with all my sales / expenses and at the end of the year pass it on to my accountant who looks over all the files and submits them for me . Come April I…

Hi, hoping someone can help. I've run my now very small limited company for about 17 years and getting close to retirement. Had the same accountant for all that time but who has also recently retired and sold the business to one of these firms who have multiple branches. Unfortunately you can never get to speak to anyone,…

Buisness Reduction Services ( NW) I am seeking help and wondering if anyone has experienced or resolved a dispute with Buisness Reduction Services ( NW) and PreAction resolution reached, acting on their behalf . At 0717 I had a cold call from a private number . I had just recieved keys to begin work setting up my first…

Hi folks My wife and I run a little side hustle that we were getting payments for into our joint Starling account (perhaps naively). It turns out this is not allowed, but they don't offer an account we can use because we're not registered as a business, and we both need access (so a sole trader account doesn't cut it).…

I get all my income from working on online platforms and am worried about being forced into MTD if I cross the £30,000 threshold in 2025-26 tax year. I've looked at MTD software but it doesn't seem designed for people like me. My process is to log onto a platform, choose work I want to do, and get paid via PayPal in USD at…

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…