Finance Basics — Guides, Tips & Expert Advice
Financial literacy for business owners — cash flow, profit, invoicing basics, and money management.
48 articles on Finance Basics
Emergency Funds for Self-Employed People — How Much and Where
How much should you save in an emergency fund when you're self-employed? We cover the right target, where to keep it, and how to build it from scratch.
Government Grants for Small Businesses — Where to Find Them
Looking for free funding for your small business? Here's where to find government grants in the UK, how to apply, and what to expect from the process.
How to Improve Your Credit Score as a Sole Trader
Your credit score matters more when you're self-employed. Here's how to improve it, what lenders actually look at, and the common mistakes to avoid.
ISAs for Self-Employed People — Which Type Is Best?
Cash ISA, Stocks and Shares ISA, or Lifetime ISA? We break down which type of ISA makes most sense for self-employed people and how to choose the right one.
How to Manage Irregular Income — Budgeting for Freelancers
Freelancer income goes up and down. Here's how to budget when you never know exactly what's coming in, so you can pay bills and save without the stress.
Getting a Mortgage When You're Self-Employed — The 2026 Guide
Self-employed and applying for a mortgage in 2026? Here's what lenders want to see, how to prepare, and how to give yourself the best chance of approval.
How to Save for Your Tax Bill — Practical Methods
Struggling to save for your tax bill? Discover practical methods to set money aside throughout the year so your Self Assessment never catches you off guard.
Start Up Loans — The Government-Backed Scheme Explained
The Start Up Loans scheme offers government-backed funding and mentoring for new businesses. Here's how it works, who's eligible, and how to apply.
Cash Basis vs Accrual Accounting — Which Should You Use?
A beginner-friendly guide to choosing between cash basis and accrual accounting, with practical advice for UK sole traders.
Double-Entry Bookkeeping Explained Simply
A plain-English guide to double-entry bookkeeping — what it is, how it works, and whether you need it as a sole trader.
How to Read a Profit and Loss Statement
Learn how to read a profit and loss statement step by step, understand what the numbers mean, and use them to run your business better.
Profit vs Cash Flow — Why Profitable Businesses Go Bust
Understand the crucial difference between profit and cash flow, and why profitable businesses can still run out of money.
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