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Small biz MoneySaving

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

Tax help for a small business
Hello, I wondered if there is any way I can speak to a tax specialist for small businesses? i don't need an accountant as such, but need advice on paying tax. I am a partner in a small business which is a Ltd company. We pay ourselves through PAYE, but it is under £12,000 which is our tax code threshold. The company has…
Are there grants for start ups?
Hello Im unsure if this is the right place for this, so apologies if not. A friend and I are researching starting up a little company but we probably require £2-3k to set it up. I was wondering if there are any grants available for this? thank you
Share of costs for a commercial lease query
Hi I know the exact answer may not be possible without seeing the lease, however we have a commercial property, ultimately being one building which has since been split into 3 individual units. One of the units has had an issue with a roof area which covers their part of the property and so the property agents organised…
Bounce back loan for nationwide customers?
Hello I have bank account with nationwide, then don;t do any business account. Anyone had any luck getting Bounce back loan having only Nationwide bank account. which bank would accept me to open business account? Thanks
Partnership agreement document - need some opinions/advice
Good morning, My business partners and I are in the process of drafting up a business agreement (attached) for our new business venture. Due to the nature of the relationship between 2 of the directors, it has been agreed that one director will have a greater vote on the financial decisions and any other decisions that…
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…
Commercial property class uses for bottle shop.
Hello! just wondering if someone could help me with what class use I would need if I was to open a bottle shop. Within the shop i would be both selling bottles and cans both through online means and through the store to be consumed off premises, and also having a few tables inside for tasting, drink ins etc. I understand…
Home office ideas?
I am looking to set up a new home office / studio in an existing room. Where to begin? Interested in ergonomics and cost. Furniture budget (desk, chair and desk light is approx £500 - £1000) Ideas welcome
Sole trader - am I doing it right?
Hello fellow savers My wife last year started a small activity from home that brings in some 8-10k/year. I now want to formally register it so she can start paying NICs to be eligible for state pension in many years time (she has never worked since she moved here - she has settled status). Having read gov.uk it seems to me…
Tide Bank / How to Access Bounceback Loan?
Hey all I want to apply for the Bounceback loan before the deadline, we're 100% eligible to receive it. My business bank is Tide bank, which isn't issuing BBlonads anymore I've spoken to a few other banks who won't allow me to open a Biz account to apply for a BBL Can anyone advise which Business Bank will allow me to move…
Can I claim garage roof repair as an expense?
We're getting our garage roof repaired, solely used for storing stock. Can I claim this as a work expense? Or is this seen as an improvement to my home? Many thanks.
Help with Mail/Parcels
My business has started to pick up and we are now sending 200 large letter parcels a day (£1.15) and 20 small parcels (£3.80).Currently Im using stamps and with larger parcels using parcel2go, typing each address, printing and labeling. Then driving to the post office and newsagent to drop them off.Which can take maybe 2…
New Business
Morning all, I’m hoping to get some advice. I’m starting a new business in the next 2 months. I’m expecting this to bring in approx £1,000 per month, with the payments being made through PayPal. Alongside this I have a full time job, which pays approximately £40,000 per annum. My biggest question at the moment is around…
Postage Outside UK
I wonder if I could get a bit of guidance... I sell a lot of cards and prints in the UK. Commonly it is 1-2 in an order so very thin and light weight posting. recently I’ve had quite a few non-UK orders, specifically Germany. looking up Royal Mail info online, it claims standard and economy is between 5-7 days and on my…
Complicated Ebay/Paypal Business Question
Socan you delete this thnks
Is there any high street bank opening any new business accounts?
For the last month I keep trying to open a new business account. I don`t want to go for internet only banks, so I will exclude those. I have personal accounts with 3 different banks and 2 of them are not opening new accounts at the moment. 3rd one, RBS, told me they can`t open a business account for me because my business…
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Same Sole Trader Business Name
Hi, In January I'm due to become self employed as a sole trader. I've been offered the chance to use the same business name that my friend previously used for his own sole trader business. He no longer actively runs the business now, so I would be taking the name (and hopefully reputation). I would register the same…
Partial payment
My husband is a self-employed painter and decorator (14yrs in the trade) He has finished a job and invoiced the customer. She sent partial payment and said that he will get the remainder when he comes back to do additional work that she wants done. We have politely asked for payment in full but she has refused. We live in…
Do I need to keep record of sales invoices with on Flat Rate Scheme for Ltd Company
Hi, I'm not long become a limited company and am on the flat rate scheme which I now longer need to keep vat invoices I believe (only need to give a vat invoice to any customer that asks for one), am I right with what I'm saying here and would I need sales invoices for showing detailed customer sales for the corporation…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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Small biz MoneySaving

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