T Accountants & Co

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Did you know your Child Benefit could help fund your mum’s State Pension?

If a grandparent looks after your kids and isn’t on track for a full State Pension, you could transfer your National Insurance credits to them even if you repay Child Benefit through the High Income Child Benefit Charge.

It’s a simple swap that could make a real difference to their retirement.

Who’s on childcare duty in your family, mum, dad, or grandparents? Tell us below 👇

📍 T Accountants & Co

HMRC owes you money?

Left a job mid-year and haven’t worked since? You’ve probably overpaid tax.

PAYE assumes you’ll earn all year and spreads your tax-free allowance across 12 months, so stopping in August means you’ve paid tax on months of income you never got.

A P50 gets it back, and you could claim up to 4 years back.

(Exception: if you’re claiming Jobseeker’s Allowance or ESA, the Jobcentre sorts it automatically when your claim ends, no P50 needed.)

Know someone who left their job this year? Save this and send it to them.

Follow for more tips on how you can save money ✅

We’re busting 3 accounting myths in this one ‼️

If you’ve ever believed any of these… you need to watch till the end.

Spoiler: most business owners get at least one wrong.

Come chat to the professionals who actually know what they’re talking about, book in with T Accountants & Co today. 📩

How long should you really keep your business records?

The answer might surprise you (and save you from a headache later)

Watch till the end 🔽

Earn £70k with one child? HMRC might already be taking half your Child Benefit back.

Here’s the fix, pension contributions can bring your adjusted net income back under £60k, meaning you keep 100% of your Child Benefit and claim extra higher-rate tax relief.

Not sure where your income sits? Click the link in our bio.

Salary trap season 🚨 Five numbers HMRC hopes you never learn.

From the £12,570 starting line to £125,140 where your Personal Allowance disappears completely, these thresholds decide how much of your hard-earned money you actually keep.

📩 Save this post or send to someone who needs to see this

Confused about VAT? Let’s clear it up.

You must register for VAT once your taxable turnover exceeds £90,000 in any rolling 12-month period. Miss it, and HMRC can backdate the missed VAT, plus interest and penalties.

But here’s what most people miss: you can register voluntarily, even if you’re under the £90k threshold.

Got a VAT question? Drop it in the comments below 👇

Nobody claims all 6 of these. Not because they’re hard to get because nobody tells directors they exist.

If you’re running a Limited Company and your accountant hasn’t walked you through trivial benefits, staff party allowances, or company pension contributions… it might be time for a chat.

Structuring smarter > earning more. Every time.

📩 DM us or head to the link in bio to see what you’re missing.

Many people still believe property is the best way to build wealth.

Sometimes it is.

But how you hold it can have a huge impact on your returns.

In this example:
• Rental income: £18,000
• Mortgage interest: £12,000
• Profit: £6,000
• Tax bill (via limited company): £1,140–£1,500
• Amount kept: £4,500–£4,860

This is why understanding how different structures are taxed matters.

It’s also one reason more landlords are moving property into a limited company.

Follow for more ways to keep what you earn.

Assumes Corporation Tax rates of 19–25%. Educational purposes only. Individual circumstances vary.