Approaching your company’s year-end is a challenging time. There are the ever-present challenges of profitability, cashflow, and (getting and keeping) customers. Often, business owners can be too close to the tree to see the wood, let alone the forest! What is essential, however, is to take the time to review, plan and take advantage of […]

Getting a bonus? Don't lose It to HMRC. If you're expecting a bonus soon, you might have already planned how to spend it. Common uses include paying off debts, saving for a holiday, or setting aside for retirement. While these are sensible choices, there are valuable tax allowances that can make your spending more efficient. […]

When I was at school, the second half of the year was often the months that was crammed full of end-of-term assignments, revision, and exams. There is a value to education of course. Price is only an issue in the absence of value I know, but it did get me thinking about the implicit and […]

Most of us assume we would be delighted to receive a substantial sum of money. It’s fun to make that mental list of extravagant purchases such as holiday homes or your dream two car garage. However, while it’s a nice problem to have, it can be daunting. This is particularly true where the money is […]