Guides
Plain-English guides to business money, credit, tax and more — for people running UK limited companies.
All guides
How business credit cards work
6 min read
A plain-English guide to how business credit cards work for UK limited companies.
How credit cards work
5 min read
The plain-English version: what a credit card is, how interest works, and how to use one…
How to register a company
4 min read
Setting up a UK limited company is quick and cheap. Here is the gist.
Writing a business plan
5 min read
A short, honest plan beats a long, vague one. Cover these sections.
Allowable expenses
4 min read
What a limited company can usually claim against its profits to reduce Corporation Tax.
Self Assessment guide
5 min read
If you are a director or self-employed, here is how Self Assessment works.
Building your credit score
4 min read
Your credit score shapes what you can borrow and at what rate. Here is how to build it…
How to avoid credit card interest
3 min read
Used right, a credit card can cost you nothing in interest. Here is the trick.
Credit card jargon buster
4 min read
APR, representative, minimum payment — the words that matter, in plain English.
How to check your credit score
3 min read
You can see your credit information for free — here is how, and what to look for.
When to remortgage
4 min read
Remortgaging at the right moment can save real money. Here is when it usually makes sense.
First-time buyer guide
6 min read
Buying your first home in the UK, from deposit to keys, in plain steps.
Conveyancing explained
4 min read
Conveyancing is the legal process of transferring property. Here is what your solicitor…
Overpaying your mortgage
4 min read
Paying a bit extra can cut years and thousands off your mortgage. Here is how it works.
Student loan basics
4 min read
How UK student loans work — they behave very differently from normal debt.
Student loan repayment thresholds
3 min read
Repayments only start above an income threshold that depends on your loan plan.
PCP vs HP explained
4 min read
The two most common ways to finance a car. The difference is what happens at the end.
Pet insurance: lifetime vs annual cover
3 min read
The cover type matters most for pets with ongoing conditions.
What is covered by insurance
3 min read
Before you buy any policy, read what it does and does not pay for.
Passive income, honestly
4 min read
A clear-eyed look at income that needs little ongoing work — and the catches.
Freelancing and self-employment
5 min read
Going self-employed in the UK — the essentials to get right early.
Where to get free debt help
3 min read
If debt is getting hard to manage, free and confidential help is available. You never…
Pensions explained
5 min read
Pensions are just long-term, tax-efficient saving for later life. Here is the shape of it.
Robo-advice vs a human adviser
4 min read
Both have a place — it depends on how complex your needs are.
Business grants and support
4 min read
Free money exists for some businesses — here is where to look and what to expect.
Income tax rates and bands
4 min read
How UK income tax is structured — the principle, not the year-by-year numbers.
National Insurance explained
4 min read
What National Insurance is, who pays it, and what it buys you.
Dividend tax for company directors
4 min read
How dividends are taxed, and why directors often use them alongside salary.
Capital Gains Tax basics
4 min read
CGT is tax on the profit when you sell certain assets for more than you paid.
Making Tax Digital explained
4 min read
MTD is HMRC’s move to digital, software-based tax records. Here is what it means for you.
Help with late tax payments
3 min read
If you cannot pay your tax on time, do not ignore it — there are options.
Where to get tax help
3 min read
From free guidance to paid professionals — the right help for the situation.
How to find an accountant
4 min read
A good accountant saves time, tax and stress. Here is how to choose one.
When to hire an accountant
3 min read
You can do a lot yourself — but some moments make professional help worth it.
Accountant vs software
4 min read
Not either/or — most small companies use both. Here is how to decide the balance.
Best business account for a new limited company
6 min read
Just formed a company? Here is how to pick a business account without overthinking it —…
Sole trader vs limited company: which is right for you?
6 min read
The choice shapes your tax, your paperwork and your personal risk. Here is the honest…
How to register for VAT (and when you have to)
5 min read
VAT registration sounds scarier than it is. Here is who must register, who might choose…
Business credit card vs charge card: what is the difference?
4 min read
They look similar but work differently. Knowing which is which helps you pick the right…
How to pay yourself from a limited company
5 min read
Salary, dividends, or both? Here is how company directors typically take money out — and…
Business expenses you can claim (allowable expenses)
5 min read
Claiming legitimate expenses lowers your tax bill. Here is the principle, the common…
How to accept card payments as a small business
5 min read
Whether you sell in person, online, or both, here is how to start taking card payments —…
How to improve your business cash flow
5 min read
Profit on paper means nothing if the money is not in the bank when bills are due. Here…
Reviews
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Multi-currency account review.