I want to share a practical way I help clients catch “disappearing cash” before it becomes a surprise overdraft: combine Xero bank rules with open banking-powered balance checks and simple alerts. It’s not glamorous, but it’s one of the best low-effort ways to keep a small business solvent and avoid nasty bank fees.Why this mattersSmall businesses live or die by cashflow. Even when your...
Read more...
I often get asked by small business owners whether they can reclaim VAT on client lunches, dinners or hospitality. The...
Deciding when to convert from a sole trader to a limited company is one of the most common crossroads I help small...
I run into the same cashflow squeeze scenarios with clients again and again: sales are steady, but supplier bills land...
I run into the same cashflow squeeze scenarios with clients again and again: sales are steady, but supplier bills land in clusters and the bank balance gets tight just when payroll needs to go out. One of the most practical fixes I’ve found is a rolling 13-week supplier payment plan. It smooths...
Read more... →
I’m going to walk you through how I build a practical 13-week rolling cashflow model that helps you time seasonal stock purchases and avoid emergency borrowing. I use variations of this with my small retail and hospitality clients because it’s short-term, action-focused and forces decisions...
Read more... →
Supplier refunds can be one of those small bookkeeping headaches that quietly cause VAT errors and reconciliation mismatches in Xero. Over the years I’ve seen clients end up with VAT returns overstated because refunds were coded to the wrong account or the bank transaction didn’t get applied to...
Read more... →
I work with small businesses every week and one recurring worry is always the same: “Have we missed something in payroll that could trigger a PAYE or NIC liability later?” HMRC doesn’t always come knocking immediately — sometimes liabilities build quietly over months. A targeted payroll...
Read more... →
I want to share a practical, no-nonsense process for setting up a retainer invoicing system that keeps your cashflow healthy while avoiding unexpected VAT bills or creating employment-like risks. I work with lots of freelancers and small service businesses who want the predictability of retainers...
Read more... →
Over the last decade, French schools have experienced a quiet but important transformation. Among the most visible changes is the rapid growth of international sections, programs designed to offer students a bilingual or multilingual education while keeping the structure and academic standards of...
Read more... →
I’ve run credit control for dozens of small clients and advised even more on how to get paid without damaging relationships. Over the years I’ve found that a simple, predictable, weekly script — used consistently by you or your receptionist/bookkeeper — is the single biggest behaviour...
Read more... →
Duplicate supplier invoices and miscategorised bank transactions are two of the most common, quietly expensive problems I see when I step into a micro or small business’ bookkeeping. They inflate costs, distort margins and, over time, erode trust in your financial reports. Xero’s bank rules and...
Read more... →
I woke up one morning to a message from my client: "We just had to write off a large chunk of our seasonal stock after water damage — our bank balance looks awful and we can't borrow. Can we rebuild cashflow in 30 days?" I get that panic. I’ve helped several small businesses bounce back from...
Read more... →
When you’re the director of a limited company and you’re getting ready to hire your first employee, one of the trickiest questions is: how much should I pay myself as salary and how much as dividends? Too little salary and you might put yourself in a position where you can’t build National...
Read more... →