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Small biz MoneySaving

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

Holiday Home Rental
I’m after some thoughts/advice on what I should do with my caravan. The park it is kept on I can’t do my own subletting and has to be done through the park. I can however let friends and family stay in it. I have a friend who would like to book the van and I have told her the price for the time she wants. She has now asked…
Do I need to file a tax return for individual charitable operations?
I'm asking for a philanthropic friend setting up a charitable service. She has sourced a grant to deliver her service and intends to spend all money on 'stuff' or freelancers. She will not pay herself a salary or any profit and will put the money in a separate bank account to keep things clear. I am under the impression…
Client contract confusion - do I need a professional to assist?
Good Evening all, I will soon be starting an ltd company providing a range of administrative services to help sole traders and small businesses manage their communications. I've searched online for contracts or SLA's and have come across many many examples and it's overwhelming! Does anyone have a template for a similar…
Private Healthcare Clinic - Implications / How to Set Up?
Hi all I can't give any specifics away here and this may be a non-starter of an idea but here goes ... I work in the healthcare sector and harbour ambitions of setting up a private clinic. I just wondered if anyone could point me in the right direction of getting some advice? I have contacted my professional body and they…
Do I need an accountant for my private limited company?
I wanted to create an e-commerce website to try out a business idea. I setup a UK private limited company. The initial idea did not work out and so I want to temporarily scale down the running costs of the website and hosted services but I want to keep the business active as I may try something else in about a year's time.…
SEISS - How do I report it in my accounts
I did get the SEISS payment, but unsure how to report in my accounts, do I put it down as Income, or will the HMRC automatically work it out when I do my Self Assesment ? Thank you
Item delivered twice - can the seller get it back
Hi, I run a small business and during lockdown, when all of my staff were furloughed, I accidentally sent a customer 8 chairs instead of 4. I realised this when I had 2 invoices from the manufacturer. I have contacted the customer and she is not cooperating. is there anything that I can do? Thank you
Problem with customer
Hi we have a very new small business, just me and my husband, making mud kitchens. we've only been doing this for 3 months. A customer ordered a kitchen which he wanted us to send by courier. This was made and picked up by the courier on time. The couriers lorry broke down so the kitchen arrived the day after the specified…
NatWest Business Account theft!
No strictly theft but it feels like it. I have a NatWest business account which had 18 months free banking. Coinciding with the 18 month mark was the sudden death of my brother so I haven’t been fully present but suddenly realised today that I have been charged a total of £427 since Sept 19 in a series of pcm payments…
Can I claim tax releif for part time working from home
I have been part home working (2 days out 5) for the past 3 years - with the news that a tax claim can be submitted for full home working for those persons forced to fully work from home during COVID, is it also possible to make a retrospective claim for past years for my part home working arrangement (2 days out of 5) ?…
Trade parking permits
I just want to highlight something that is costing small businesses money and not sure what to do about it. Councils (in this case Edinburgh City Council but might be similar across the country) suspended on-street pay and display parking charges for a period of 3 months from 22 March to 22 June, so parking was effectively…
Limited Company Re-issue invoice or issue a credit note?
Hi, I've not long started a limited company and I'm a bit of a programmer so creating my own invoicing system. I run an online retail business using my own website, ebay and amazon. Payments are made straight away the same day as the orders is made by the customers. Now if I had to cancel the order or partially refund,…
Small Business - Corp Tax question
Hi - my accountant is telling me one thing and another accountancy friend is telling me another.. I'm trying to unpick the advice and find out if my accountant needs a lesson (and whether I need to possibly change accountants!). Small business made £50k profit last year (Jan 31st 2020 year end). I understand that if I…
Image using on website
Hello all, I'm not sure of the correct category in which to post this, so I hope I've selected an appropriate one. My borther-in-law is a small business owner in lawn care, specialising in sports turf management and I am designing his website. Over the years he has worked on the European Tour, etc. and has worked with…
Companies house can't file accounts via webfiling
Hi, About to go into penalty period i.e accounts overdue and I'm unable to file accounts via webfiling I've left 5 messages via customer complaints no replies since 1st message left 1 week ago + currently phone lines are closed Error messages keep logging me out then it's an issue with cookies I've obtained error…
Best Company Type to Go For in Buying House Overseas - Advice Please!!
Hi Guys, My Dad, Brother and I are talking of collectively buying a small property in Bulgaria to run as a retreat space, offering tailored getaways centred around a few days of rural living, open fires, traditional food, enjoying the beautiful mountains and less 'rat race' pace of life (yoga, photography, cycling, hiking…
Can I change days of work for employee?
I have a small retail business that now employs one member of staff who has been on Furlough. She has worked for me for 24 years and was initially part-time including Saturdays. There has never been a contract of employment (I know there should have been but it was initially ... informal - as a lot of things were a quarter…
Business debit or credit card with cashback
Any recommendations for a debit or credit card for a limited company that offers cashback? I've been using a Paypal business debit Mastercard which gives 0.5% back but doesn't let you use it on eBay or paying Paypal invoices from other businesses. I've had some marketing through the post from Capital On Tap offering 1%…
Filing my own corporation tax return / accounts
Hello, I would love a bit of advice here. Context: I opened a very small limited company a year ago to provide a structure in which I create bespoke items for individual customers. I am the sole member of the company. The company has not seen any customers during its first year and all financial activity consists of…
Crazy high charge from TNT/Fed-ex month after delivery
I set up a new business last year and have been ordering shirts from Turkey. Usual cost is around £3K, and I get a £30 customs bill from TNT (on top of shipping fee) This time I bought around £4K worth of stock, and my TNT bill has come to around £1800! That is almost 50%. Some of it is claiming to be VAT bill but I paid…

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MSE News

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.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What you need to know
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.
Warning: 'WASPI' women affected by State Pension age rise should watch out for 'steep rise' in scams
If you're a woman born in the 1950s affected by changes to your State Pension age, be on high alert for scams offering compensation for this. Campaign group Women Against State Pension Inequality (WASPI) and charity Independent Age have warned so-called 'WASPI' women to be extremely careful, as there's been a reported "steep rise" in the number of scams targeting this group.
Martin Lewis: 'WASPI' women affected by State Pension age rise should beware 'steep rise' in scams
If you're a woman born in the 1950s, be on high alert for scams offering compensation for those affected by changes to their State Pension age. MoneySavingExpert.com (MSE) founder Martin Lewis has warned so-called 'WASPI' women to be extremely careful, as there's been a reported "steep rise" in the number of scams targeting this group – with some even using Martin's name.
Small pension pots to be automatically combined in future under Government plans – here's what it could mean for you
If you have a number of small pension pots you've built up over years of changing jobs, they may be automatically combined in future under new Government plans. This could make it easier to stay on top of your pension savings and reduce costs – but it's still very early days, and we don't yet know exactly how the scheme will work in practice.
Martin Lewis: Aged 20 to 25? Trick to get a FREE four-year railcard worth £100 from Santander
If you're aged 20 to 25, there's a trick right now that can get you a free four-year railcard worth £100 via the bank Santander. MoneySavingExpert.com founder Martin Lewis takes you through it.
Went to an employment tribunal between 2013 and 2017? Can you reclaim £100s?
Tens of thousands who overpaid employment tribunal fees are now due a share of £13 million, which could be worth £100s. But refunds aren't automatic, so you need to act to get your money back. Here's what you need to know.
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.

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Small biz MoneySaving

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