Side hustle tax: when HMRC starts caring about your extra income
The £1,000 trading allowance explained: when side income becomes taxable, what platforms now report to HMRC, and when registering is actually worth it.
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The self-employed blog
Short, sharp reads on freelance money: side hustle tax, getting paid on time, mortgages when you're self-employed, and pricing your work properly.
Getting paid: invoices that don't get ignored
Practical fixes for freelance late payment: invoice terms that work, automatic chasing, deposits, late-payment interest you're legally owed, and when to escalate.
Read postSelf-employed and mortgage-hunting: make your income legible
How lenders assess self-employed income, the SA302 and tax-year-overview documents, why aggressive expense claims cut borrowing power, and the two-year preparation plan.
Read postPricing your work: the rate maths nobody teaches
How to set freelance rates that survive contact with reality: the 180-day year, the employer-cost multiplier, when to raise prices and how to do it without losing clients.
Read postMettle vs the big banks: which business account suits the self-employed?
A practical look at business banking for freelancers and the self-employed — how Mettle by NatWest compares to traditional and fintech accounts, and why the FreeAgent link matters.
Read postThe FreeAgent features freelancers actually use — and quietly love
FreeAgent was built for freelancers first. The features that save the most time and money for the self-employed: invoicing, bank feeds, tax timeline, expenses and MTD.
Read postFeast and famine: managing irregular income when you're self-employed
Practical money habits for the self-employed facing lumpy income and rising costs: the business payday, tax and buffer pots, and forecasting through the quiet months.
Read postThe self-employed pension: nobody auto-enrols you, so start yourself
Self-employed people get no workplace pension and no auto-enrolment — but the tax relief is just as generous. How pensions work for the self-employed, and how to start one.
Read postSick pay, maternity pay and the self-employed safety net
The self-employed get no SSP and no statutory maternity pay — but there are benefits and protections you can claim. Maternity Allowance, ESA, Universal Credit and income protection explained.
Read postBusiness insurance for the self-employed: what you actually need
A plain guide to business insurance for freelancers and the self-employed: professional indemnity, public liability, employers' liability and when each is required or just wise.
Read postWorking with overseas clients: the tax basics
Freelancing for clients abroad? How UK tax, VAT and currency work when the self-employed invoice overseas — where you pay tax, the place-of-supply rules, and getting paid.
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