Financial Habits That Hold Back Small Business Owners – And How to Fix Them

SME shop with icons of bad habits (VAT, cash, warning) crossed out and good habits (calculator, accountant, laptop) ticked, with blog title banner.

Are bad money habits holding back your business? From mixing finances to poor record-keeping, discover the most common financial mistakes small business owners make — and the practical steps you can take to fix them.

Trivial Benefits & Staff Gifts – What You Can (and Can’t) Give Tax-Free

Find out what HMRC allows as a tax-free gift under the Trivial Benefits rules. Learn the £50 limit, director restrictions, common mistakes, and how to avoid unexpected tax charges.

Business Expenses – What You Can and Can’t Claim (UK 2025)

Confused about what business expenses you can claim in 2025? This guide breaks down HMRC rules for UK sole traders and limited companies, with tips to avoid common mistakes.

From the Village to the Boardroom: Why Every Business Needs a Support Network

Slide reading ‘Who’s in Your Business Village?’ from a video on building business support networks.

Growing a business isn’t a solo act. From VAs to accountants, this post explores the power of building your own village — and why no business owner should go it alone

The Difference Between Capital and Revenue Expenses on Your Rental Property.

Model house on British banknotes with calculator and pen, representing property expenses and landlord tax deductions.

Not all property expenses are treated the same for tax. Learn the key differences between capital and revenue expenses, what you can claim, and when to report them — so you don’t fall foul of HMRC rules.

Sole Trader vs Limited Company — Which is Better for Tax?

A split screen showing a confident businesswoman at a desk on one side (representing a Sole Trader) and a small team around a meeting table on the other (representing a Limited Company).

Choosing between a Sole Trader and a Limited Company affects your tax, liability, and business structure. This guide breaks down the pros and cons, tax rules, and how to decide what’s right for you.

Top Ways to Legally Pay Less on Your Self-Assessment Tax Bill

A Business owner reviewing receipts and tax documents, calculating how to reduce their Self-Assessment bill

No one wants to pay more tax than they have to. These 8 tips will help you reduce your Self-Assessment tax bill legally — and keep more of your hard-earned cash.

About Me

Dora Ngoma, Chartered Accountant at Grace Certified Accountants, helping self-employed clients and landlords prepare for Making Tax Digital.

From a childhood bakery in Zambia to founding a modern UK accountancy firm, Dora Ngoma shares the story behind Grace Certified Accountants — and why people come first.