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Ross Bramble

Ross Bramble

Ross joined Crunch in early 2018 having completed a journalism course at the University of Portsmouth. As our Content Executive, Ross writes nearly all of the copy you see on our website, in our emails and newsletters, and in many of our Knowledge articles.

SEO is another huge part of Ross’ role here at Crunch, and he enjoys the challenge of maximising the coverage and visibility of our helpful resources.

Ross is an avid gamer and, in his spare time, manages his own personal videogame blog and his own YouTube channel.

Accreditations & Qualifications

  • BA (Hons): Journalism

Ross Bramble

Name

Ross Bramble

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Ross Bramble

How the upcoming Making Tax Digital changes affect your business
Running a business

Updates to the government's Making Tax Digital scheme are coming to VAT, Income Tax, and Corporation Tax over the next few years.

Tax

Corporation Tax is the tax levied on the profits of limited companies. But what are the benefits of paying this tax early?

How to keep on top of your expenses as a plumber, image of a plumber at work | Crunch
Expenses

As a plumber, you can claim tools and business equipment back as an expense, but how do you what you can and can't claim?

Man using a phone and laptop | Crunch
Becoming self-employed

Finding work as a freelancer can be tricky. But there's good work on offer if you know where to look - here are a few of our favourite freelance job sites.

What is the COVID-19 Recovery Loan Scheme and who can claim?
Running a business

The COVID-19 Recovery Loan Scheme (RLS) officially launched on 6th April 2021, to support businesses as they recover from the disruption caused by COVID-19.

IR35 and hiring a freelancer, contractor, or worker
Tax

Hiring a third party could open you up to tax and legal pitfalls surrounding their employment status – are they a subcontractor or an employee? We explain.

Who determines your IR35 status and who pays employment taxes, image of a women writing at a desk | Crunch
Tax

Following changes introduced by HMRC in 2021, responsibility for determining your IR35 status is mostly, the same for both the private & public sectors.

Can IR35 contractors still work through a limited company?, image of someone reading papers | Crunch
Tax

The government’s reform of IR35 rules is forcing many contractors operating personal service companies to review their options.

Image of a consultant leading a presentation
Becoming self-employed

Leaving a steady job to become an IT contractor or IT consultant can be hard, but there are steps you can take to make the transition easier.

HMRC
Tax

Everyone knows it’s legal to evade tax but completely illegal to avoid it, right? Wrong. Confused? You’re not the only one, we'll clear up the confusion.

Crunch, What to do if HMRC ask for proof of your employment (IR35) status
Tax

HMRC's recent IR35 email campaign to GSK clients has raised a few eyebrows - but what should you do if HMRC ask for proof of your employment status?

IR35: Why contractors should have business insurance, image of someone signing insurance terms
Tax

Although changes to IR35 have been delayed until April 2021, contractors working through a personal service company still need to have business insurance.

10 ways to stress-test your small business idea, image of a woman thinking | Crunch
Becoming self-employed

It's important to stress-test your small business idea for fatal flaws before you become self-employed. Here at 10 ways to stress-test your idea.

Can I claim a Christmas party as a business expense?
Expenses

If you're a director of a limited company, you can claim up to £150 as a business expense for a Christmas party - even a virtual one! There are some strict rules, though.

Ultimate Business Tips - Crunch - image from a Crunch Chorus networking event in Brighton
Running a business

Our ultimate business tips guide covers everything from which hand to hold your drink, to the secret tricks that the most successful people swear by.

Best Linkedin profile tips for freelancers, contractors and small businesses - Crunch
Running a business

From choosing the best LinkedIn profile picture to nailing your headline, our tips will help freelancers and the self-employed find work on LinkedIn.

10 steps to successfully simplify your small business accounting - Image of a woman doing her accounts | Crunch
Running a business

Taking care of your small business accounting can be a little daunting for complete newcomers, but the process isn’t as scary as you might think.

Conference
Expenses

What expenses can you claim when your business attends conferences? We explore the different ways to ensure you're tax-efficient.

Becoming self-employed

Looking to make your passion your business? Hear out these 10 self-employment tips from small business owners and get the ball rolling!

What is a freelancer and how do you become one?
Becoming self-employed

With more people than ever becoming self-employed, we look at freelancers: who are they, what do they do, and what skills should they have?

Find your perfect gig: the ultimate contractor job hunt checklist, image of a job listing | Crunch
Running a business

Our checklist gives contractors some top tips in securing the perfect projects for themselves. We look at all the things you can do to improve your CV.

15 attributes every business owner should have - Crunch
Becoming self-employed

In no particular order, here are 15 personality traits that, when properly harnessed, can lead you to business success!

Eight clauses your freelance contract shouldn’t be without. image of a man using a stamp | Crunch
Contracts

To avoid a contractual calamity, here are eight must-have clauses for your freelance contract, explained without the jargon.

Crunch - What is a sole trader? Crunch - photo of a lady using a laptop
Becoming self-employed

A sole trader is someone who runs their own business as an individual, and is self-employed. Find out more about how it works in this jargon-free article!

Critical Illness Cover and Income Protection - Crunch
Personal finance

As a contractor or freelancer, you won't have access to Sick Pay if you get ill. Income Protection or Critical Illness Cover could be the solution.

The £4,000 Employment Allowance For Employers Explained. (Image of man using a calculator).
Employment law

Can your business claim the £4,000 Employment Allowance towards your NI Bill? Get all the details on eligibility, how much you can claim, and how to claim.

Working Tax Credits - how they can help a limited company - Crunch. Image of man on a calculator
Tax

Tax credits are an incentive for people to remain in low-waged employment instead of seeking similar benefits in unemployment.

How to find your gap in the market
Becoming self-employed

Looking to find your gap in the self-employed market? Here's how do you identify your niche among the self-employed community and stress-test your idea.

What is a Postgraduate Masters Loan - Crunch - Image of students
Personal finance

Postgraduate Master’s Loans were introduced by the government to help with course fees and living costs while you study a postgraduate master’s course.

Crunch, How to find client as an electrician. Image of an electrician at work
Running a business

For electricians and other tradespeople whose construction careers often live and die by word-of-mouth, struggling to find work can be especially difficult.

How to operate CIS as a limited company or a sole trader - Crunch - image of a bricklayer at work
Tax

Contractors registered under the Construction Industry Scheme (CIS) are required to deduct tax from their payments to subcontractors. We explain how CIS works.

Coronavirus: Tips for working from home if you decide to self-quarantine - image of a positive coronavirus test
Productivity

The NHS recommends you self-isolate for a period of 14 days and work from home if you believe you have coronavirus, but how do you stay productive?

Woman typing at laptop
Tax

Disaggregation is when business owners try to avoid charging VAT by splitting a business to ensure each operates under the VAT registration threshold.

What is VAT reverse charge in the construction sector?, image of construction workers discussing plans | Crunch
Tax

If you’re in the Construction Industry Scheme (CIS) and VAT registered, HMRC are changing how you account for VAT from 1st October 2019.

Is a Limited Company Right For Locum Doctors? (Image of a doctor and patient).
Limited company

A locum doctor can provide work under a variety of different guises, including as a limited company. We take a look at the pros and cons.

Should I have a company car, van or motorcycle?, image of open van | Crunch
Expenses

Businesses can benefit from a company car, van or motorcycle. Having a mode of company transport can be invaluable for small businesses.

A row of colourful houses in London
Tax

In 2017, the government introduced two new annual tax allowances: one for trading income (sole trade), and one for income from a property business.

Can I make pension contributions through my limited company?
Expenses

Pension contributions are one of the few remaining tax breaks available to limited companies. It makes sense to take advantage of this tax break.

What is Child Benefit - Crunch. Image of a happy child with a skateboard.
Tax

Child Benefit is a benefit payable to someone responsible for a child under the age of 16, or 20 if they’re in full-time education. Here's the low-down.

Image of a person writing
Running a business

Jo Fortune of Lawbite explains how UK SMEs are struggling due to reluctance to get better legal cover, and how doing this can save your business money.

Do I have to complete a Self Assessment tax return?, image of a woman reviewing notes with a dog | Crunch
Tax

A Self Assessment tax return is one of the most significant tax documents you’ll be dealing with when you’re self-employed. Here's what you need to know.

How to start a business what do you need to know? Image of someone working at a desk | Crunch
Becoming self-employed

If you're looking to start a business here are all the I’s you'll have to dot, and all the T’s you'll have to cross to give you the best chance of success.|If you're looking to start a business here are all the I’s you'll have to dot, and all the T’s you'll have to cross to give you the best chance of success.

Becoming self-employed

Are you interested in a spot of moonlighting alongside your regular job? Our guide gives you the lowdown on how you can go about this and the pros and cons.

Open banking is coming to Crunch - Image of someone banking online
News and opinion

Upload bank transactions in a flash with Crunch's simple and secure Open Banking feeds, with established links with several of the UK's biggest banks.

What are the requirements of a registered office? - Image of someone moving to a new location | Crunch
Becoming self-employed

When you set up a limited company, you’ll need to provide your registered office, your business address, and your service address.

A business owner's watch
Becoming self-employed

They say that if you’re waiting for the perfect time, you’ll be waiting forever, and that couldn’t be more true when it comes to starting your own business.

Some uni students
Becoming self-employed

If you’re an undergraduate and looking at the job market with dread, start taking small steps now to earning an income. Here's how.

Meet the people who started a business during the COVID-19 pandemic | Crunch - image of 3 ladies
Becoming self-employed

We asked the members of our self-employed community, Crunch Chorus, to share their experiences of starting a business during the COVID-19 pandemic.

What to do if you're being made redundant because of COVID-19, image of someone clearing their desk | Crunch
Becoming self-employed

What can you do if you're made redundant, especially in the middle of the COVID-19 pandemic? Don't panic - it could be a great opportunity, here are some options.

Crunch
Get paid

You've pitched, landed the job, delivered your work...and now it's time to get your money. But how do you do that? Here's how.

Hourglass and calendar
Get paid

Breaking down four of the main late payment excuses you will hear when running your own business, and what you can say and do to overcome them.

Tea
News and opinion

It's no secret the British love tea. But it's also interesting to know that our tea consumption is driving factor for the economy. We explore.

Ultimate health and wellbeing tips for the self-employed, image of someone stretching | Crunch
Productivity

Health and wellbeing are important for us all, but when you're self-employed, it can sometimes feel difficult to keep on top of.

A team of workers
Becoming self-employed

What's the difference between working as a freelancer or working as an agency worker? And what is best for your small business? We take a look.

Company owner frustrated at business failure
Running a business

Those who don't learn from history are condemned to repeat it. If you don’t have an understanding of why businesses fail, your startup is doomed.

A freelance photographer
Productivity

Everyone falls into certain habits when freelancing. Some are good, some are bad. Here are some good ones to help you run your business efficiently.

Doctor with stethoscope on the desk
Running a business

As a freelance or locum doctor, you are effectively now a business. Discover how to get booked and get the rates you deserve.

A handshake at a freelance recruiter
Running a business

What do recruiters do and what are the benefits of joining an agency as a freelancer? We take a look at the pros and cons.

Becoming self-employed

What's the difference between a Consultant or Contractor? It can make a huge impact to your prestige, and pay! Here's an explanation of the differences.

How to calculate holiday pay when staff receive overtime and commission payments, image of couple enjoying holiday
Productivity

You deserve a holiday - but one in four freelance workers take no annual holiday at all. We explain why you should take a break.

News and opinion

Office workers are frequently told that their sedentary lifestyle is causing them injuries, but you'll be surprised by some of the professions on this list.

Crunch - Health and Safety - Health and safety for the self-employed
Employment law

When you're self-employed, health and safety in the workplace isn't always at the forefront of your mind - but it should be.

Becoming self-employed

The decision to jump from a permanent ship to a freelance raft isn’t one best taken in haste. Here's what you should ponder before taking the plunge.

How do you chase an unpaid invoice?
Get paid

Late payments can cost you business. Here's a few ways to chase an unpaid invoice without chasing your client away.

The risks and dangers of freelance marketplaces - Crunch - Image of a person typing on a laptop.
Running a business

Grab our free contractor CV templates and get the day rate your deserve, including tips, tricks and best practice from a professional CV writer!

Two people planning for crowdfunding
Get paid

What is the best way to account for money you have raised through Crowdfunding? We look at the best ways to account for this type of investment.

A contractor working on a project
Running a business

If you fancy throwing your hat into the ring for certain Government contract jobs, you'll need some form of security clearance. We explain all.

Painter
Productivity

Setting-up a home office may seem like a big task, but it doesn’t have to set you back big bucks. Read our top tips to setting up on a tight budget.

Upset freelamcer
Productivity

There’s no use trying to avoid it, so here are the stories of successful freelancers who've built careers on top of the wreckage of their first contract.

Busy calendar
Productivity

For freelancers and contractors, having a variety of clients is an exciting and important thing. We look at ways you can manage multiple clients.

Why Working Collaboratively Is Good For Your Business, image of people working together | Crunch
Running a business

Businesses working together to form a bigger power than they could be alone. Here's why you should consider jumping on the bandwagon.

Running a business

If you're self-employed, you may spend a lot of time thinking about your objectives and goals for the future. We look at the ways you can achieve them.

New pound coin on a stock chart
Running a business

There are some simple ways of estimating what a business is worth that won’t leave you pulling your hair out.

Get paid

How much should I charge is one of the first questions freelancers ask themselves. We explain how to calculate your day rate.

A person working on a laptop
Running a business

Successful brands have always told stories about themselves, but how do you tell your story and build your brand? Create better content today!

the best portfolio sites for freelance writers - Crunch - image of someone working with a notebook and laptop
Running a business

You've spent weeks on a piece of work and you justifiably want to show it off to prospective clients - what's the best way?

What is a Members’ Voluntary Liquidation (MVL)?, image of a closed sign | Crunch
Tax

If the time has come to close your business, there's a tax efficient method called a Members’ Voluntary Liquidation - or an MVL for short.

Who am I? Freelancer, contractor, consultant or small business? - Crunch - picture of man drinking coffee
Becoming self-employed

If you are self-employed, you might think you have a clear answer to this questions. However, it's not as simple as that. We take a look.

Someone calculating their expenses
Get paid

There are several clauses you need to include in contract negotiations, including a kill fee. We take a look at what they are and what you need to know.

How to deal with difficult or unreasonable clients - Crunch - Image of client discussion
Get paid

Spending hours feeling angry or annoyed or stressed is damaging to your health. Wouldn’t your time be better spent working with a supportive client?

Couple with an ultrasound
Tax

Small businesses can ask HMRC for an advance of payments to employees and directors to cover statutory maternity and paternity pay.

Files neatly lined up in a drawer
Limited company

A limited company director must keep company records, as well as financial and accounting records. You must keep these records for six years.

Man opening a letter
Tax

Benefits in kind are benefits that employees or directors receive from their company which aren’t included in their salary or wages. They’re also sometimes called ‘perks’ or ‘fringe benefits’. Not all benefits in kind are treated in the same way by the tax system, so here's what you need to know.

Tax

Is a Jaffa Cake a cake, or a biscuit? It took a case in court to come up with a full answer. Find out the answer here.

Why business owners love us

Jad Deeb

November 26, 2021

Professional helpful staff Quick responses and they're really thorough and explain the process step by step :)

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A Hussain

November 16, 2021

Needed to get my business up and running quickly. Crunch took care of so much so quickly. Registering my business with companies house and sorting out the tax side with HMRC - only needing me perform tasks that HMRC do not allow them to perform. The Crunch software is easy to use and there are plenty of helpful videos and documentation. Great service from the Crunch support team, especially from Olivia Beadle. Thank you.

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James Cash

November 8, 2021

Crunch was able to find me the right mortgage, they kept me informed on progress and were responsive to my requests.

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We’ve got over 10 years experience and have helped over millions of businesses with guidance and advice. Our Knowledge articles, jargon-free business guides, handy videos and helpful tools and calculators will help answer all your questions. We’ve even got a free self-employed community, Crunch Chorus, with over 67,000 members just like you.