Affiliate disclosure: Some links in this article may earn us a small commission at no extra cost to you. Introduction When you’re a sole trader, keeping track of customers is easy enough at first — a few names in your phone, some notes, maybe a spreadsheet. But as the enquiries add up, things start to…
Affiliate disclosure: This article may contain affiliate links. If you sign up through them, we may earn a commission at no extra cost to you. This is information, not financial advice — see the note at the end. Introduction If your business deals in more than one currency — paying overseas suppliers, invoicing international clients,…
Affiliate disclosure: Some links in this article may earn us a small commission at no extra cost to you. This article is information, not financial advice — see the note at the end. Introduction A business credit card can be a genuinely useful tool for a small business or sole trader: it separates business and…
Affiliate disclosure: Some links in this article may earn us a small commission at no extra cost to you. Introduction Weak and reused passwords are behind a huge share of the cyber attacks that hit small businesses. When one website is breached, attackers simply try those same credentials everywhere else — an attack called credential…
Affiliate disclosure: This article may contain affiliate links to products or services we mention. If you purchase through them, we may earn a commission at no extra cost to you. Introduction Many small business owners assume cyber criminals only go after big corporations. The reality is the opposite: small businesses are attacked precisely because they…
Affiliate disclosure: This article may contain affiliate links. If you sign up through them, we may earn a commission at no extra cost to you. Introduction Finding a genuinely free business account as a UK sole trader or freelancer is harder than it should be. Plenty of providers dangle a fee-free introductory period, only to…
Affiliate disclosure: This article may contain affiliate links to products or services we mention. If you purchase through them, we may earn a commission at no extra cost to you. Introduction Of all the insurances a UK business might hold, employers’ liability insurance is the one you can’t treat as optional. It’s a legal requirement…
Affiliate disclosure: This article may contain affiliate links to products or services we mention. If you purchase through them, we may earn a commission at no extra cost to you. Introduction For a small business, a single cyber incident — a ransomware attack, a data breach, a fraudulent payment — can be genuinely existential. The…
Affiliate disclosure: This article may contain affiliate links to accounting software we mention. If you purchase through them, we may earn a commission at no extra cost to you. Introduction If you’re a VAT-registered small business or sole trader, the VAT Flat Rate Scheme (FRS) promises something tempting: less VAT admin, and sometimes a bit…
Affiliate disclosure: This article may contain affiliate links to software we mention. If you purchase through them, we may earn a commission at no extra cost to you. Introduction If you run a business from commercial premises — a shop, office, workshop, café, or warehouse — you’ll almost certainly have to pay business rates. They’re…