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  1. Replies
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    10,533

    Initially when I raised with accountant, they...

    Initially when I raised with accountant, they thought that sick pay might be my only route, but that was before HMRC added the bit about directors being able to furlough.



    My accountant has...
  2. Replies
    132
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    10,533

    Correct....

    Correct....
  3. Replies
    132
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    10,533

    My accountant will be putting in a CJRS...

    My accountant will be putting in a CJRS application from me. Contract finished 2nd April (a few days earlier than contact end date), I am now shielding for 12 weeks. Accountant will make April’s...
  4. Replies
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    2,615

    Your final para is the balancing part of the...

    Your final para is the balancing part of the equation.
  5. Replies
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    8,345

    Surely the point of furloughing your employee, is...

    Surely the point of furloughing your employee, is to claim the 80% / £2500 (paid into your business account) so that you can continue to pay them their paye (or agreed new paye amount)?
  6. Replies
    147
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    25,314

    Yes, your outstanding balance will have increased...

    Yes, your outstanding balance will have increased by the monthly interest (assuming it’s just a payment holiday), and if your term remains the same, you’ll need to pay more back each month to repay...
  7. Replies
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    2,009

    As I understand it, your Ltd still pays you your...

    As I understand it, your Ltd still pays you your paye of up to £719, but the government pay the 80% to your Ltd.
  8. Replies
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    12,856

    I’d opted against putting money into a pension in...

    I’d opted against putting money into a pension in case of needing money due to IR35 and contracts drying up (part right!), but yep, looks like it’s gonna be used for this.

    I’m on 12 weeks...
  9. Replies
    30
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    5,895

    Reply from Accountant - pretty much what I...

    Reply from Accountant - pretty much what I expected - my contract finishes next week due to blanket getting rid of contractors.

    “ At the moment we are uncertain as to whether you will qualify for...
  10. Replies
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    4,862

    Heard that a Financial Services company in...

    Heard that a Financial Services company in Swindon, we’re preparing to offer 1 year extensions (inside IR35) for some of their contractors on a big migration programme, and served them notice a...
  11. Sticky: I’m on monthly invoices, but my agent has said...

    I’m on monthly invoices, but my agent has said he’s gonna pay everyone by end of March, so that we are paid before the deadline.
  12. Replies
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    16,518

    Nationwide have just started issuing CEST...

    Nationwide have just started issuing CEST Assessments - supposed to all be done by end of the month.

    From a couple of people I’ve talked to they are all coming out as “Inside IR35”, i.e. blanket...
  13. Thread: Warchests

    by DSF70
    Replies
    41
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    7,599

    I’ve been contracting for just over 3 years. ...

    I’ve been contracting for just over 3 years. Before i went contracting I had my own savings war chest that would keep me going for 6-9 months if I made a hash of it / failed to get a contract.
    ...
  14. Replies
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    3,740

    The only issue I have is that the HSBC OB feed...

    The only issue I have is that the HSBC OB feed (at circa 08:00 give or take 30mins) is based on yesterday’s end of day balance position. Of course that makes sense, but I previously uploaded “this...
  15. Replies
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    20,355

    So 3 and a bit years into contracting and I...

    So 3 and a bit years into contracting and I finish up on Monday.

    Market is pretty quiet. A few of the usual suspects in my area preferring to recruit perms over contractors, but also a couple...
  16. Replies
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    31,248

    A few of my contractor mates were saying exactly...

    A few of my contractor mates were saying exactly the same this week. All of think that this group of “new” employees will be an easy target for previous year’s tax.

    My contract finishes in Sept. ...
  17. Replies
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    I do similar. Use Scanbot app to create a pdf...

    I do similar. Use Scanbot app to create a pdf that auto uploads to one drive. Then attach to FreeAgent transaction.

    It’s overkill but I scan virtually all paperwork to one drive, and then store...
  18. Replies
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    Yep, agree, if your day rate is significant in...

    Yep, agree, if your day rate is significant in terms of the employee salary, then it’s still gonna be worth it. I wonder whether some people questioning whether to go permie are on rates that don’t...
  19. Replies
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    Just about to go through the same. Programme is...

    Just about to go through the same. Programme is regulatory and has 12 months to go.

    I only joined Programme in Jan for 3 months, then extended for another 6. Had previously done 18 months on...
  20. HSBC for me. £5.50 per month fees if you’re not...

    HSBC for me. £5.50 per month fees if you’re not switching or new.
  21. Replies
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    1,694

    just bought a dell off of Microsoft site....£550,...

    just bought a dell off of Microsoft site....£550, but £50 cash back.

    i5 (7th series), 8gb, 256gb SSD, full HD screen.

    Wife loves it....it was for her....I don't like the trackpad.
  22. Replies
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    744

    I’ve got a Business Policy through Hiscox. My...

    I’ve got a Business Policy through Hiscox. My phone and laptop are owned by the business, and because I need to take them out and about (phone went on holiday with me), then I needed worldwide...
  23. Replies
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    20,355

    Just thought I’d give you all an update. ...

    Just thought I’d give you all an update.

    Coming to end of my first gig (Programme implements soon, and a few weeks post-live support), couple of renewals, will be 17 months in total. A decent...
  24. Replies
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    3,010

    Probably best reading some of the links on the...

    Probably best reading some of the links on the right hand side...there one called contractor expenses.
  25. Replies
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    5,744

    Or Spotify too. It's only a 12 month deal too....

    Or Spotify too.

    It's only a 12 month deal too. I bought my iPhone from Apple, so I wasn't tied....used my Ipse discount :happy
  26. Replies
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    Just got a transfer value from my Lloyds DB...

    Just got a transfer value from my Lloyds DB scheme. Was surprised at the amount....26 years worth. Lloyds are being quite generous as they want as many ex-employees out of the original DB schemes...
  27. Replies
    36
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    5,744

    I moved my Vodafone sim-only across to my...

    I moved my Vodafone sim-only across to my Business when I set up last year. Was on a £35pm red deal, u/l calls and texts and 20gb data...with a 40% discount. So £21pm.

    The deal was honoured as I...
  28. Replies
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    9,956

    Sneaky Simon is on the right lines with the...

    Sneaky Simon is on the right lines with the pension. I think it's 13% if you contribute 5%.

    The bonus scheme sounds like Band F - Senior Manager type level, and it ranges from 0-40% depending on...
  29. Replies
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    Yep.

    Yep.
  30. Thread: Bookkeeping tool

    by DSF70
    Replies
    10
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    1,759

    That's what I do, via Danbro

    That's what I do, via Danbro
  31. Replies
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    4,330

    I'm only 5 months into contracting, but one of my...

    I'm only 5 months into contracting, but one of my old colleagues (permie to contractor and back to permie again) recommended Danbro Accountants.

    In a separate conversation with another contractor...
  32. I moved my number from personal to business with...

    I moved my number from personal to business with Vodafone. Transferring the number over was fine. Getting the right monthly amount has run into several conversations and a complaint.

    If the...
  33. If the phone is in the company name, you might...

    If the phone is in the company name, you might want to consider insuring it too, as it's unlikely to be covered under any home contents and oersonal possessions policy.

    On an aside, I've just set...
  34. Thread: New Macbook Pro

    by DSF70
    Replies
    57
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    4,365

    6% discount with Ipse Member Advantages

    6% discount with Ipse Member Advantages
  35. Replies
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    20,355

    3 months in, and all going well. 50 minute...

    3 months in, and all going well. 50 minute commute is fine, enjoying listening to a bit more TalkSport or music.

    My contract was initially 5 months to end at Xmas, but just got an extension to...
  36. Replies
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    2,727

    Just got one of their cards to put a few £s worth...

    Just got one of their cards to put a few £s worth of $s on in prep for holiday in California....and to offset the risk of plunging pound against hotel bill.

    If you go to their website via link on...
  37. Replies
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    I use Danbro, who provide FreeAgent free as part...

    I use Danbro, who provide FreeAgent free as part of their costs. Been really impressed with Danbro, plus FreeAgent is 1) a great dashboard and 2) easy to use.
  38. Replies
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    Getting your new account open might take a while...

    Getting your new account open might take a while if you try to do online or by phone. It's quicker to complete if you are able to get an appointment in Branch, which sounds contradictory!

    If...
  39. Replies
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    2,900

    I looked into a longer term rental when I started...

    I looked into a longer term rental when I started contracting a few months ago, because I didn't want to get into a lease straight away.

    I looked at the likes of Hertz, Avis etc, but found it...
  40. Replies
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    Has anyone used Carwow to secure their deal? ...

    Has anyone used Carwow to secure their deal?

    I'm also interested in the Tiguan SE.....carwow were offering £3400 off of the RRP for the finance deal.
  41. 28 years permie (well 2 weeks just shy of), 3...

    28 years permie (well 2 weeks just shy of), 3 months contracting.
  42. This is why I ended up getting Office 365, with...

    This is why I ended up getting Office 365, with the 1Tb of One Drive space. My camera roll is set to auto sync to One Drive, I delete any photos off of my phone or iPad that I don't want, yet if I...
  43. Replies
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    I think building the war chest is the best...

    I think building the war chest is the best advice. I put 10 months behind me, to give me a bit of breathing space.

    You say you've handed in your notice, so no pay off then?

    Good luck, but be...
  44. Thread: Wireless Printer

    by DSF70
    Replies
    16
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    1,572

    I've got an Epsom wf2660. Been well happy with. ...

    I've got an Epsom wf2660. Been well happy with. It keeps a consistent wireless connection unlike the canon pixma I had before. That one constantly wouldn't show up.
  45. Replies
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    might depend on your PAYE salary level, and how...

    might depend on your PAYE salary level, and how many months you worked under PAYE this tax year.

    My accountant reckons I'll be due a refund when I complete my 16/17 self assessment, as my salary...
  46. Thread: LBG Bristol

    by DSF70
    Replies
    9
    Views
    1,161

    Worked for LBG in Bristol for 20+ years (as a...

    Worked for LBG in Bristol for 20+ years (as a perm).

    Left in July, what do you want to know? Which Business / IT area are you up for?

    PM me if you like.
  47. Replies
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    1,147

    Bank's will hold various addresses on their...

    Bank's will hold various addresses on their systems, trading, registered etc. You can also specify your 'correspondence' address. Some will slow different addresses for statements, letters etc.
    ...
  48. Replies
    6
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    1,784

    Accountant and IPSE. Belt and Braces!

    Accountant and IPSE. Belt and Braces!
  49. Replies
    13
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    2,401

    I used HSBC. I would've used the Bank I used...

    I used HSBC.

    I would've used the Bank I used to work for, but 1) I kndw they would take too long, 2) I wanted to keep my personal banking separate, especially as an ex-employee, 3) wanted a bank...
  50. Replies
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    1,784

    Nice one! I've just started contracting in the...

    Nice one!

    I've just started contracting in the last couple of months, and I'm really enjoying it. I'm sure I've still got my rose tinted specs on, but I too got my first contract with some old...
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