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Small biz MoneySaving

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

Business at home
Running a business from home. Using electric and water, we don't have gas. As it's a limited company I can't used the simplified allowable expense. How/what can i claim for. I have my own insurance, I do not allow customers to come to my home. The house is mortgaged in my husbands name only. I'm not sure what else you need…
Projected income based on these numbers?
Hi there, I have been offered a contract where it will be paying me: * £390 a day * Outside IR35 * 6 Month contract - around 140 working days * Estimated expenses for me monthly are £900 (that will be coming out of my LTD company) a month taking everything into account I am working through a LTD company and VAT registered…
Correcting a name with companies house
Hi everyone, I set up a limited company recently but realised that I registered it with my marriage name but want to go back to using my maiden name. My question is: how do I get this information updated with companies house?
Benefit and shareholder
Hello there, I am currently in receipt of ESA. My Brother started his own business and made his girlfriend a 20% limited shareholder. They have now split and he wants to transfer the shares to me. However, I am worried that this will affect my benefit. Any ideas please. Thanks
Gift Aid spreadsheet
I am filling in the gift aid donations spreadsheet for HMRC to reclaim gift aid. I am claiming for donations over a number of years. So if a donor gives an annual donation of £50 I have to record each donation separately as they occur in different accounting periods. Do I have to enter that person's details in every time,…
Me and fiance thought of a business idea... what's the steps of making it possible.
Buisness idea: We're wedding planning but both finding it difficult to find a venue woth our wants and needs. We thought of the idea that there should be a wedding builder that helps piece every single thing of the wedding together to make it pretty much exactly how you want your special day to be. For an example, we both…
Domains
When you buy a domain is it yours forever? Have you always had to buy domains?
Card Machine
Hi All, We have a small business selling paving slabs / concrete posts and fencing etc, we only accept cash or bank transfers at the moment but are getting asked about card payments more and more. Can anyone recommend a good card reading machine that is mobile please? A rough idea of cost would be great, out bank…
CCJ issued against us after we had paid out of court! Claimant did not close case !!
Ok, I have an issue , I’ll try and break this down for you as it spans months. I am a sole trader and we were using a SEO COMPANY based in London to improve our website ranking on google, the company promised 13 keywords after 6 months if not they would work for free until it was ! Moving 5 months on and 3 or 13 words was…
Closed Business - Stuck Funds
Hi, my partner closed her business and asked her accountant about what she should do about the funds. She was told to leave them there and they'd instruct further. The bank has now closed and the funds are locked in a closed bank account and Natwest have told her that she has lost the money and it'll go to the Treasury. Is…
Fixed Assets - computer equipment
Hi, Doing my first accounts and not sure how to record my computer which was purchased specifically for business use. It cost £1449 mid-November and company accounts run up to the end of April the following year. A) Are my fixed assets in year 1 £1449? B) Or do I allow for 33% depreciation so assets in yr1 are £970? And…
Experience of craft fairs
**posted in another forum but was directed here. I wondered if anyone has experience with craft or vintage type fairs or general fairs (that are not necessarily craft/vintage, but market place types)? I really fancy attending events and fairs and I would be selling wholesale lotions & potions that I would be handcrafting…
Self Employed - No record of previous PAYE earnings
My ex has been self employed from March 2017. Jan - March 2017 he was working as a dog handler security guard on a PAYE basis. When he left, he had huge problems getting a P45. No P60. The company said they had sent it, eventually emailed a blank P45 after many requests. This company were always very very difficult to deal…
National Insurance for both employed and self-employed
I've been looking at turning a hobby into a part time job. I'm currently working full time and i'm a little unsure about what national insurance I need to pay on my self employed part time profit. I'm expecting my profit next year to be about £3-4k, will I need to take my paye income into account when working out my…
Buying a business
Hi All, Just checking we are going along the right lines in seeing what cost are involved in purchasing an established company we have been looking at. * Business Price * Solicitors Fees * Landlords Fees for the change on the lease * Insurance (once purchased) * Accountants Fees Is there anything I’m completely overlooking…
Mutual NDA and personnel
Hello. I have a small business and do ad-hoc contract work for a much bigger company. This work is low value and sporadic so I'm not too bothered for it. We have a mutual NDA that covers 'confidential information'. A couple of sales staff of the larger company have approached me asking if we have any job vacancies. Im…
Ltd Company Card - Account Name?
Hi I am sole director of a limited company. I have received my company account card. However the card is in just my name and doesn’t have the company name on the card. Is this right? When I go onto online banking, it doesn’t give account holder name or have statements yet as it’s brand new account , simply has my details…
Business Credit Checking Service
Hi I'm looking for a recommendation for a business credit checking service please. I have been using Credit Focus for years - originally purchased via Barclays Bank at £10 plus VAT per month, following their split with Barclays at an increase of £12.50 per month & I have now just received an email increasing to £20.83 per…
Google search and service address
Hi I am looking at starting a small business, never done this before so help is required please. Has anyone used a service address? Or can reccomend a company? Not expecting muxh post but when i do get some i would like it to be forward to me. Does anyone know how to get my company to the top of a google search by…
Trading on eBay & sole trader vs Ltd company
Hi forum. This year I plan to support some local charity and non-profit events by providing sound & lighting equipment and engineering. I have other full time employment and right now this is more of a hobby with a view to a potential career change if (a) I enjoy it and (b) can make paying work out of it. Although not…

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MSE News

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.
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 Payments 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.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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Small biz MoneySaving

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