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 the French system. What was once considered a niche option for a small number of globally mobile...
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I’ve run credit control for dozens of small clients and advised even more on how to get paid without damaging...
Duplicate supplier invoices and miscategorised bank transactions are two of the most common, quietly expensive problems...
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...
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...
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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...
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I often see directors surprised by an unexpected tax bill because their dividend withdrawals weren’t planned to match their personal allowance and dividend allowance. It’s avoidable with a simple dividend schedule. Below I explain how I plan one for clients, the rules to watch, and a practical...
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When you split a property into a home part and a commercial part, VAT can quickly feel like a maze. I see this a lot with small business owners who run a client-facing part of their work from a converted ground floor or have a self-contained studio next to their own living space. The rules depend...
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Renegotiating payment terms with a major client can feel like walking a tightrope: you need to protect your cashflow without damaging a relationship you’ve built. I’ve done this several times for clients and for my own practice, and I find the best approach combines preparation, clear...
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Petty cash and loose receipts are a perennial headache for small businesses. They’re small amounts, but they create disproportionate admin and — if handled badly — a mess for your audit trail. Over the last decade I’ve helped many UK micro and small firms move from shoeboxes and random...
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I’ve seen the same problem in too many small businesses: staff buy something on their own card, hand over a crumpled receipt and the VAT gets lost. Weeks later the receipt has faded, the VAT portion is unclear, or the invoice is addressed to the employee rather than the business — and HMRC...
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When a major client accounts for a significant slice of your revenue, asking to change payment terms feels risky. I’ve been there: sleepless nights wondering whether asking for faster payments or staged milestones will offend the client or push them to a competitor. Over the years I’ve learned...
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Payroll day can feel like a pressure cooker, especially when pensions and auto-enrolment are involved. I’ve seen businesses miss something small — a mis-set contribution percentage, the wrong pay basis, a new starter not assessed — and find themselves facing a compliance headache or a fine....
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I often see small businesses overwhelmed by supplier invoices landing in their inboxes, many of them legitimate—but some duplicated, inflated, or outright fraudulent. Over the years I’ve helped clients build simple, automated checks inside their accounting systems to catch these problems early....
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