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VAT Registration and Making Tax Digital: A Sole Trader's Guide
If your business turnover is approaching £90,000, VAT registration stops being optional — and once registered, Making Tax Digital rules mean paper records and manual submissions are no longer an...
Understanding Your Payslip: What Changes From April 2026
The Employment Rights Act 2025 — the biggest overhaul of UK employment law in a generation — is being rolled out gradually through 2026 and 2027. Several changes already affect what should be showing...
How to Switch to a Better Savings or Cash ISA Account in 2026
If your savings are sitting in an account paying anywhere near 1–2%, you're leaving money on the table. As of early July 2026, the best easy-access Cash ISAs pay up to 4.62%, and the best fixed ISAs...
Sole Trader vs Limited Company: Which Is Right for You in 2026?
It's one of the first decisions most self-employed people face, and one that's easy to get wrong by defaulting to whichever structure a friend used. The right answer depends on income level,...
ISA Reform 2027: What the Cash ISA and Interest Tax Changes Mean for You
The government has confirmed a significant reshaping of the ISA regime, due to take effect from April 2027. None of it changes your ISA allowance or rights this tax year, but the rules are complex...
FCA's Mills Review: How AI Could Reshape Your Finances by 2030
The Financial Conduct Authority has published what it says is the first review of its kind by any regulator globally: a look at how artificial intelligence could reshape retail financial services by...
How to Claim Business Mileage as a Self-Employed Worker
If you use your own car, van, motorcycle or bike for work, HMRC's simplified mileage rates let you claim a flat amount per mile rather than tracking every fuel receipt and repair bill. For most...
Could HMRC Owe You Money? How to Check for a Tax Refund
Millions of PAYE employees overpay tax every year without realising it — usually because of an incorrect tax code, an emergency code applied when starting a new job, or unclaimed work expenses....
BNPL Credit Is Now Regulated: What Changes From 15 July 2026
From 15 July 2026, Buy Now Pay Later (BNPL) borrowing in the UK comes under full FCA regulation for the first time. Until now, products like Klarna and Clearpay sat outside the Consumer Credit Act,...