UTR number explained – what it is, when you need one, and how to get it
A Unique Taxpayer Reference (UTR) is a 10-digit code from HMRC used for tax. Find out when you get one, why it matters, and how to register or recover it.
Should you pay into a pension or an ISA if you’re self-employed?
Pension or ISA if you’re self-employed - which is best? Compare tax relief, access rules and allowances, plus how SIPPs and ISAs can work together.
What is my business worth? How to value a small business
How to value a business, from earnings multiples to asset valuation. Includes guidance for small firms and sole traders, plus factors that influence price.
Business owners warned as HMRC cracks down on personal expense claims
HMRC is cracking down on personal expenses claimed as business costs in Self Assessment returns. See what you can claim and the mistakes to avoid.
How to set up a limited company in the UK (step-by-step guide)
Forming a limited company is simple to do online. Here’s what to prepare and the documents you must file with Companies House.
New report urges ‘nudge’ reforms to boost self-employed pensions
Social Market Foundation warns just 22% of self-employed save into a pension. New report calls for ‘nudges’ from banks and HMRC to boost retirement savings.
Public liability for tradespeople – builders, plumbers, electricians and more
Find out why tradespeople like builders, plumbers and electricians need public liability insurance, what it covers, and how much protection to get.
High Income Child Benefit Charge – what self-employed people need to know
Guide to the High Income Child Benefit Charge for self-employed parents. How it works, who it affects, deadlines, NI credits, and planned 2026 changes.
Self assessment tax return help for sole traders
Self Assessment guide for sole traders. Covers who must file, deadlines, payments on account, penalties, and how to register with HMRC.
How to invoice as a sole trader – with VAT and non-VAT templates
Learn how to write an invoice as a UK sole trader, what to include, and how to handle VAT if needed - plus download free templates to get started.