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Small biz MoneySaving

Running your own business? This is the place for MoneySaving questions for small traders.

Online 'fintech' accountants
Just recently started a new business and have decided to look at 'online' accountants rather than the family accountant I've used in the past I know that my accounts (historically and with the new business) are likely to be very straight forward and I won't need much of a personal service. The ones I have found online are…
Commission re Business Rates Appeal
What is the amount of % commission (approximately) do companies charge if they negotiate a successful Business Rates reduction with the local Council?
Small business Ripped off!
Logic vending sold me a machine and put it on a hire agreement it seems although hi was told it was a lease to buy as I would own the machine at the end. Looking through the paperwork there isn any mention of the actual cost of the machine or the APR - obviously covid has hit hard so we have been going through any…
Wooden chairs to donate
Hi, does anyone know if there are any charities (or other organisations) that you know of who would be interested in about 100 wooden chairs no longer needed at a church? I assume not but asking just in case.
PAYROLL GIVING vs GIFT AID
Purely from a tax perspective, is there any difference between payroll giving and gift aid?
Giving away a business !
My father had a roofing business which started in 1978, my brother worked with him from the age of 15 this was back in the 1980s, leaving school in them days early was accepted I guess. The business grew to a real money maker due to there reputation. I must admit even though they charged more for a flat roof customers were…
Selling Pick & Mix Sweets Online
Hi all, At the beginning of this year my wife started up her own wax melt business, and is doing ok. She wanted to branch out and has an idea that will go with her brand selling pick & mix sweets. Where do we start on this? We are going to buy them wholesale and just repackage and send out, but we are not sure what rules…
Old duvets
Can any charities reuse duvet, pillows and blankets? I’m in S Devon. Thanks
Self employed - how to account for tax paid in Quickbooks?
Hi All! I have made my tax payment for last years accounts, and as it has come up on Quickbooks as a transaction to review. Should i mark this as business or personal? There is a business category for tax but this is counting it as an allowable expense which doesn't seem right? Thanks for your help!
Getting an overdue invoice paid!
Without going into too much detail- Husband worked as a subcontractor for a larger building firm on a "per week" basis, labour only. He had to travel a fair way but got offered a long run of work closer to home, so advised the contractor that he was going to go and work on another job. The building firm then arranged to…
Importing an order whilst still on Universal Credits
Hi, I'm not sure if this is the right place to post this question but I just need a bit of advice and I haven't been able to find any elsewhere as of yet! I am looking to make a small order of products from abroad, I'm not currently working and am on UC but it is something I would like to start doing, my question is simply…
Can you scale up business to quickly
Hi, Will admit I'm also just as much curious as about when you should scale up a business, aware that some businesses don't last 2 years. I work for a very small company in a saturated industry in a basic role, whilst it is coming up to surviving it's 1st year, some days busy, others far from, it is not phones ringing of…
Advice please: How to find UK manufactures of a recycled plastics product idea to make prototypes?
Hi, Can anyone point me in the right direction please. I have a product idea I would like to try and make happen. I have had many ideas of the past 20 years but never the finances to go with the idea. Many of my ideas have come to pass but 10- 20 years after I have thought of them and written them down in my ideas book.…
Side Gig - where to start?
I've recently returned to the UK after a few years abroad due to a work assignment. I'm employed full time and a high rate taxpayer. In my spare time, I'm working on starting my own business which involves tutoring others over zoom. Turnover could be up to 10,000 per year to start with if all goes well. My assumption is…
Going self employed
Hi everyone looking for some much needed advice I have just left being an employed hairdresser to self employed renting a chair! I had worked for 15 years in the same salon and just did not enjoy it anymore hence the change! This sounds very silly but I have no idea how self employment all works, could anyone please advise…
Small Business / Post Run / Pinged by Covid App
I run a small online shop sending items to customers with a trip to the post office each day. I have been pinged by the Covid app to isolate for ten days as I have been in the company of someone who tested positive. I want to continue sending items to customers promptly, but don't want to use Hermes/gig couriers as my…
Public liability insurance
Hi, I am starting a new business providing after-school clubs to school children. I was wondering whether I will need public liability insurance, and what is the best way to go about obtaining this? thanks
Worth Selling in EU?
Hi, Im wondering if anyone can help me try and understand requirements to sell low value prints within EU please as im getting a little confused with the rules and requirements. I have always sold within the UK, I am a normal sole trader, not rolling in the money but doing fine IMO.now that my business is running well and…
Confused re £1000 trading allowance!
I apologise in advance as I am completely new to this and for the fact that the answer to my question is probably completely obvious to most people 😖 I've been selling homemade crafts for just over a year. It basically began as a hobby during the first lockdown but I eventually had so many creations that I started to sell…
Accountant says doesnt need to sign NDA?
HiI want my accountant to sign a NDA for a food business im running to sign up for VAT, I've send the NDA and they have said "this agreement is not required for VAT registration in UK." Is that true?

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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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