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Find Totals Ltd Powering businesses to stay compliant, financially organized, and growth-ready. Tax | Payroll | VAT | Pension
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The number that catches most self-employed people out is: the cash you have left once the tax bill is paid. Your bank b...
19/10/2026

The number that catches most self-employed people out is: the cash you have left once the tax bill is paid.

Your bank balance isn't all yours if part of it belongs to HMRC. The owners who never panic in January aren't necessarily earning more. They set tax aside as they go.

Simple habits you can employ:
→ Open a separate account for tax
→ Move a set percentage of every payment into it, the day it lands
→ Ask your accountant what that percentage should be for your income

If you're a contractor on day rates, or invoicing on 30 to 60 day terms, this matters even more. Your work is done long before your cash arrives.

Not sure what your number is? Book a free 30-minute consultation — link in comments.

Know your total.

15/10/2026

Would you drive a car with no dashboard?

No speedometer., no fuel gauge, and no warning lights.

You’d probably get somewhere, but you’d be guessing the whole way, and you’d only find out something was wrong when the engine cut out.

Plenty of UK business owners run their finances exactly like this. They know roughly how the business is doing, but they can’t say for certain:

→ How much cash will be in the bank in 60 days
→ What tax is due, and when
→ Which products or services actually make a profit
→ What’s working, and what’s quietly costing money

We act as your business dashboard. We give you full visibility of your cashflow, tax timelines, profit margins and performance, so you can make decisions with confidence instead of instinct.

If you’d like a clearer view of your numbers, send us a message or click the link in the comments to book a free consultation.

What’s the one number you wish you could see more clearly in your business? Tell us in the comments. 👇

Saturday's quiz answer is above the line. £22,000 from trading plus £9,000 from a rental flat is £31,000, and that's th...
12/10/2026

Saturday's quiz answer is above the line.

£22,000 from trading plus £9,000 from a rental flat is £31,000, and that's the number that counts for Making Tax Digital for Income Tax.

Three things people miss:
→ It's gross income, before expenses, not profit
→ Trading and property income are added together
→ The £30,000 line applies from 6 April 2027, based on your 2025/26 tax return. (Over £50,000? It started this April.)

This applies to sole traders and landlords, not limited companies.

Quarterly updates aren't tax bills. They're a running total, and the owners who find this easy are the ones who can already see theirs. If you're already in scope, your current update covers 6 July to 5 October and is due 7 November.

Not sure which side of the line you're on? Book a free 30-minute consultation — link in bio.

Know your total.

Most business owners know their sales.Fewer know their total tax bill.And by the time they find out, there’s often very ...
05/10/2026

Most business owners know their sales.
Fewer know their total tax bill.

And by the time they find out, there’s often very little they can do about it.

That’s the problem we want to fix.

Every Monday, we’ll take one number that matters to your business and make it easier to understand.

Your tax total.
Your cash total.
Your VAT total.
Your payroll total.

What it means, when it’s due, and what you can do about it.

Follow the series. And if you want to know where your numbers stand, book a free 30-minute consultation. Link in bio.

P.S. Today, 5 October, is the deadline to register for Self Assessment if you started self-employment or began receiving rental income in 2025/26.

Know your total.

One week left. If you started working for yourself or earning rental income for the first time in 2025/26, you need to ...
28/09/2026

One week left.

If you started working for yourself or earning rental income for the first time in 2025/26, you need to register for Self Assessment with HMRC by 5 October — next Monday.

Skip it, and HMRC can penalise you even if you go on to file and pay everything correctly.

Find Totals registers you with HMRC today and manages your return from there — Self-Assessment from £38/month.

📞 01224090085 · findtotals.com

Not everyone who runs a business feels confident talking about tax.We know; it’s more common than people admit. HMRC's ...
24/09/2026

Not everyone who runs a business feels confident talking about tax.

We know; it’s more common than people admit.

HMRC's Tax Confident guidance is a decent starting point for the plain-English basics of tax and pensions.

But understanding the general rules is one thing. Knowing exactly what they mean for your business is another — that's the part we do.

Book a free consultation and we'll translate your numbers into a plan.

📞 01224090085 · findtotals.com

Nine days left in Q3. If your bookkeeping has been "getting to it eventually" all quarter, October is when that catches...
21/09/2026

Nine days left in Q3.

If your bookkeeping has been "getting to it eventually" all quarter, October is when that catches up with you — right as Self Assessment season starts ramping up.

The businesses that go into Q4 calmly aren't the ones with no mess. They're the ones who cleared it before it became urgent.

Find Totals can get your books current before October — Bookkeeping from £95/month.

📞 01224090085 · findtotals.com

Be honest — if a text from 'HMRC' asked you to confirm your bank details for a refund, would you know it's fake? The an...
16/09/2026

Be honest — if a text from 'HMRC' asked you to confirm your bank details for a refund, would you know it's fake?

The answer is always NO. HMRC will never ask for bank or personal details by text or social media, and genuine contact about tax debt never comes with threats of arrest.

Scam texts spike as Self Assessment season approaches. Worth flagging to your team now, before it lands in someone's inbox.

Not sure if something you've received is genuine? Forward it to us — we'll tell you straight.

📞 01224090085 · findtotals.com

If you take on contractors, or work through an umbrella company yourself, this is worth five minutes. HMRC's 'Don't Get...
14/09/2026

If you take on contractors, or work through an umbrella company yourself, this is worth five minutes.

HMRC's 'Don't Get Caught Out' campaign is warning about tax avoidance schemes dressed up as normal pay arrangements.

Red flags:
🚩 Your pay is split into two payments, tax only taken off one
🚩 You're told you'll take home noticeably more than expected
🚩 It's described as 'HMRC approved' — HMRC doesn't approve avoidance schemes

People caught in these end up owing the tax anyway, plus interest.

Not sure if an arrangement is legitimate? Send it to us before you sign anything; no charge for the second opinion.

📞 01224090085 · findtotals.com

It's National Payroll Week (7–11 Sept). How confident are you in your payroll?Late or incorrect pay costs more than mone...
11/09/2026

It's National Payroll Week (7–11 Sept). How confident are you in your payroll?

Late or incorrect pay costs more than money. It costs trust.

Find Totals handles PAYE, NIC, pension auto-enrolment and RTI for UK businesses, on time, every month.

Ask us what we could do for your business.

📞 01224090085
findtotals.com

Address

First Floor, The Axis Building, Kingsway North
Newcastle Upon Tyne
NE110NQ

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441224090085

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