Accounting & tax insights.
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Practical guides to accounting, tax and business decisions, with checklists and examples you can use before your next conversation.
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Guides for business owners, sole traders and people organising their finances. UK rules checked against the sources shown in each article.
Making Tax Digital for Income Tax: what to do in 2026 and 2027
Making Tax Digital is already underway for some sole traders and landlords. The useful question is which start date applies to you, and whether your record keeping is ready for it.
Read the guide Starting & growing · 2 min readSole trader or limited company: how to make the decision
The right business structure depends on what you earn, what you keep in the business and the risks you take. There is no single profit figure that makes incorporation right for everyone.
Read the guide Tax & compliance · 3 min readWhen do you need to register for VAT? The rolling turnover test
VAT registration is often missed because owners check annual accounts instead of a rolling total. Build the test into your monthly routine before a busy period pushes you over the limit.
Read the guide Company owners · 2 min readSalary, dividends and director’s loans: taking money from your company
Being the owner does not make every transfer from the company a dividend. Each payment needs a reason, a record and the right treatment in both the company and your personal finances.
Read the guide Tax & compliance · 3 min readSelf Assessment payments on account: why your January bill can be bigger
A first substantial Self Assessment bill can include tax for the year just finished and an advance payment for the next one. Knowing the difference helps you plan the cash.
Read the guide Company owners · 3 min readLimited company year-end checklist: what your accountant needs
A clean year end starts with records that explain the balances, not just a folder of invoices. Use this checklist to prepare the information your accountant needs and spot issues while they are easier to resolve.
Read the guide Business finances · 2 min readHow to build a 13-week cash flow forecast for a small business
Profit tells you something about performance. Cash decides whether Friday’s payroll clears. A simple weekly forecast makes the timing visible while you still have options.
Read the guide Construction · 3 min readCIS deductions explained: invoices, bank receipts and your tax return
A contractor’s payment after CIS deductions is only part of the accounting picture. You need the invoice, deduction statement and bank receipt to understand what you earned and what was paid to HMRC.
Read the guide Retail & ecommerce · 3 min readEcommerce bookkeeping: why marketplace payouts are not your sales
An online shop can make thousands in sales and receive a much smaller settlement. Recording the deposit as turnover loses the detail you need to understand profit, VAT and stock.
Read the guide Business essentials · 3 min readChanging accountants: a practical handover checklist
You can change accountants without waiting for a perfect moment. The key is to agree who is doing the remaining work and transfer the information needed to keep reporting on track.
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