Freelance Cash Flow: Surviving Irregular Income
Freelance income rarely arrives in neat monthly instalments. One month three invoices land at once, the next month nothing comes in and a tax bill is due. The …
Category
Finance
Cash flow, pricing, unit economics and the financial basics every owner should know.
HMRC Letters: What They Mean and How to Respond
A brown envelope from HMRC can ruin a morning, but most HMRC letters are routine: a reminder, a statement or a request for information. This guide explains the …
Capital Allowances for Sole Traders Made Simple
When you buy a laptop, a camera, tools or a van for your business, how do you get tax relief on it? For UK sole traders the answer depends mostly on one thing: …
Employer National Insurance: Rates and Employment Allowance
Employer National Insurance is the cost of employing someone that never appears on their payslip. This explainer is for UK employers in the 2026/27 tax year: it …
US Payroll Taxes Explained for First-Time Employers
The salary you offer is only part of what an employee costs. Behind every US paycheck sit taxes you withhold from the employee, taxes you pay yourself, and a …
EU VAT for Online Sellers: The OSS Scheme Explained
If you sell online to consumers in more than one EU country, VAT stops being a simple home-country matter. The One Stop Shop, or OSS, lets you report and pay …
Sole Trader Bookkeeping: A Simple System That Works
Bookkeeping as a sole trader or sole proprietor does not need to be complicated. You need one place where money comes in and goes out, a habit of capturing …