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Category Archives: Business advice

Take the IR35 online test

At Crunch online accounting we often help customers with IR35 issues. We’ve got expert accountants with detailed knowledge of the employment legislation which works to establish whether you’re a genuine contractor or a ‘disguised employee’.

However, if you’re someone who just wants a rough idea of their IR35 status, there’s a very useful new online tool which can help.
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How to ensure you get paid on time and in full

You know what some of those dastardly big businesses can be like. Slow to pay. Or perhaps not even paying you in full because they’ve subsequently moved the goalposts on a job specification. Even worse: perhaps they haven’t parted with a single penny!

Well for those on the receiving end, you might want to check out a great new podcast which details how freelancers and contractors can ensure they don’t get “screwed over” when it comes to getting paid. Continue reading

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Expenses for limited companies

Forming a limited company has many benefits. It’s tax efficient, it’s a sought after pre-requisite for many businesses, and gives you the opportunity to run your own fully fledged business any way you see fit.

Another benefit is that you can claim numerous legitimate business expenses. Continue reading

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Sole Trader, Limited Company or Umbrella? The choice is yours.

Many people who make the switch from being an employee to running their own business are baffled by the options available. Should you work as a sole trader? Run a limited company? Or let an umbrella look after you?

Let’s look at all three options. Continue reading

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How to set up a Limited Company

There’s a long held school of thought that goes something like: “Running a Limited Company may be tax efficient but what about all the paperwork and tax returns, and the costs involved in employing a decent accountant!?”

The truth is, it’s not as painful as you might think. Continue reading

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The ultimate guide to George Osbourne's Emergency Budget

Crunch, in association with financial planners Wealth Matters, have published the most detailed guide to George Osbourne’s Emergency Budget. This is essential reading for all freelancers, contractors and small businesses. Continue reading

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A contractors guide to collecting debts

Debt collection. It’s a term that creates the image of burly henchmen terrorising blameless innocent types, usually of a slender frame; they are often grabbed by the collar and pushed against the nearest wall. But, for the contractor it is they who are the real victims when hard work goes unpaid. The following is a guide on how to manage the problem of client non-payments. Continue reading

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Freelance Matters: Market yourself for free

Ever wondered how to market yourself for free? Crunch MD Darren Fell has featured in the PCG publication Freelance Matters, and has offered up some very useful tips on how to get your name out there without handing over any well-earned cash. Continue reading

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