Tag: cash flow
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MTD Is a Pain — But It Might Fix the Habit That’s Actually Hurting You
Making Tax Digital for Income Tax has been live since April 2026 for sole traders and landlords earning over £50,000, and from April 2027 that threshold drops to £30,000, pulling in roughly 970,000 more people. Most of the commentary on this has been about compliance burden and software costs, and fair enough — it is…
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Don’t Wait for the Budget to Sort Your Cash Flow
The Autumn Budget is confirmed for 28 October, and the speculation machine is already in full swing — capital gains, property taxes, frozen thresholds, business rates. It’s tempting to put cash flow decisions on hold “until we know what’s actually in it.” That’s the wrong call. Most cash flow problems in small businesses aren’t caused…
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Stop Watching the Bank of England. Start Watching Your Debtor List.
Every time the Bank of England meets, small business owners hold their breath for a rate cut that might ease the pressure. It’s understandable, but it’s misplaced. Interest rates are a fraction of a percentage point you can’t influence. Late payment is a much bigger problem sitting inside your own sales ledger — and unlike…