Momentum360

Momentum360 Helping ambitious business owners grow with meaningful financials they can make big decisions with.

Bookkeeping and MTD for sole traders, landlords and Limited Companies, done for you or learnt yourself. Any of these sound familiar?

“I want to grow my business, but I am too busy dealing with the day-to-day work.”

"I could really take on my first staff member, but the prospect of having to be the HR, Payroll and IT department feels extremely daunting."

“I need help with different aspects of my business but finding the best service providers will be such a hassle.”

“I need a new website, but I don’t even know what I should be putting on it.”

“I want a business that is bigger than myself.”

“I want to stop working in my business and start working on it.”

Our departments are designed to work together, so that you can always benefit from expert knowledge without having to commit to expensive retainers.

Using AI tools, software or a spreadsheet for your bookkeeping? Brilliant. Here's one thing worth knowing whichever rout...
09/10/2026

Using AI tools, software or a spreadsheet for your bookkeeping? Brilliant. Here's one thing worth knowing whichever route you take.

As a business owner, keeping your records is your responsibility, and there's a set length of time you need to keep them for. If you're a sole trader, it's at least five years after the 31 January Self Assessment deadline for that tax year. So for 2025-26, with a return due by 31 January 2027, that means keeping everything until 31 January 2032. If you run a limited company, it's six years from the end of the last company year the records relate to.

The good news is that the tools make this easier. The one thing worth doing is making sure you can access and save a copy of your records for the full period, even if you switch software or cancel a subscription along the way. One folder per tax year is a simple way to do it.

If you'd like to build your confidence with your own bookkeeping before the January Self Assessment deadline, my self paced course for UK sole traders is half price at £24.50 (usually £49 including VAT) until 31 January.
https://momentum360.thinkific.com/courses/essentialbookkeepingforsoletraders

And if you'd rather have an expert look after it for you, message me and we can talk through what would suit you best.

You wouldn't set off somewhere new without knowing which direction you're heading. But a lot of business owners are runn...
08/10/2026

You wouldn't set off somewhere new without knowing which direction you're heading. But a lot of business owners are running at full speed without a clear view of what their numbers are saying.

Growth doesn't come from working harder. It comes from knowing what's working, what's not, and what you can afford to do next. Hire, invest, take that leap.

If you're busy but not sure you're actually profitable, that's a really common place to be. It's also completely fixable once you know what you're looking at, and your numbers are the map that shows you the way.

That's exactly what my free discovery sessions are for. We look at your books together, see where you're standing right now, and work out what you need to put in place to grow.

No pressure and no obligation. Message me to book yours.

Do you actually know if Making Tax Digital applies to you yet? And when?MTD for Income Tax is rolling out in stages, and...
07/10/2026

Do you actually know if Making Tax Digital applies to you yet? And when?

MTD for Income Tax is rolling out in stages, and a lot of sole traders aren't sure whether they're affected, or when. The good news is that finding out is quick, and knowing where you stand means you can plan calmly and get ahead of it.

I built a free MTD readiness checker so you can find out in a couple of minutes. No guessing, no jargon, just a straight answer on where you stand and what (if anything) you need to do next.
https://www.momentum360.co.uk/mtdreadiness/

And if you'd like to get your books in great shape before the January Self Assessment deadline, my self paced bookkeeping course for UK sole traders is half price at £24.50 (usually £49 including VAT) until 31 January.
https://momentum360.thinkific.com/courses/essentialbookkeepingforsoletraders

"I bought a laptop, can I claim the whole thing?"Maybe! It depends on one phrase HMRC cares a lot about: wholly and excl...
06/10/2026

"I bought a laptop, can I claim the whole thing?"

Maybe! It depends on one phrase HMRC cares a lot about: wholly and exclusively for business.

If you use that laptop 100% for work, you can claim it all. If your teenager borrows it for gaming half the time, you can claim the business proportion. (Although if it has client data on it, you may want to keep it away from them. Data protection and Minecraft are not a winning combination.)

The same logic applies to your phone bill and your broadband. Anything with mixed personal and business use can usually be claimed in part.

The sweet spot is somewhere between claiming everything and being so worried that you claim nothing at all. Work out an honest business percentage, keep a note of how you calculated it, and claim that with confidence.

If you'd like to feel that confident about every expense before the January Self Assessment deadline, my self paced bookkeeping course for UK sole traders is half price at £24.50 (usually £49 including VAT) until 31 January.
https://momentum360.thinkific.com/courses/essentialbookkeepingforsoletraders

AI tools are handy for the everyday admin of bookkeeping. They can sort transactions, tidy up records and save you a goo...
02/10/2026

AI tools are handy for the everyday admin of bookkeeping. They can sort transactions, tidy up records and save you a good chunk of time.

What they can't do is know your business the way a person does. They don't know that the payment last month was a one-off, that a client is about to change your income, or how a tax rule applies to your particular situation. That's where a human eye, whether it's yours, your bookkeeper's or your accountant's, makes all the difference.

The best set up I see is a bit of both: let the tools handle the repetitive bits, then have someone who understands your business and the tax rules check that the picture makes sense.

If you'd like to build that confidence yourself, my self paced course for UK sole traders is half price at £24.50 (usually £49 including VAT) until 31 January, so you can get your records in good shape before the Self Assessment deadline.
https://momentum360.thinkific.com/courses/essentialbookkeepingforsoletraders

And if you'd rather have an expert take care of your bookkeeping, message me and we can talk through what would suit you best.

Can we talk about receipts for a second?Not in a "you need a system" way. In a "I know you have a shoebox, a WhatsApp fo...
01/10/2026

Can we talk about receipts for a second?

Not in a "you need a system" way. In a "I know you have a shoebox, a WhatsApp folder, and seventeen emails from Amazon you were going to deal with eventually" way.

I get it. Nobody starts a business because they love bookkeeping. But here's the good news: the version of you sitting down in January to do your books will be so grateful to the version of you right now who just snapped a photo and logged it.

You don't need a perfect system. You need a five-second habit: buy something, photo it, done. Sort it out later, but at least it exists somewhere.

If you'd like to get your books in good shape before the January Self Assessment deadline, my self paced bookkeeping course for UK sole traders is half price at £24.50 (usually £49 including VAT) until 31 January.
https://momentum360.thinkific.com/courses/essentialbookkeepingforsoletraders

What's your current receipt situation, honestly? No judgement, I've seen it all.

Here's a question that can save you a lot of stress: do you know if Making Tax Digital applies to you yet, and when?Most...
30/09/2026

Here's a question that can save you a lot of stress: do you know if Making Tax Digital applies to you yet, and when?

Most sole traders I speak to are somewhere between "I've heard of it" and "I'll look into it later." The good news is that finding out takes a couple of minutes, and once you know where you stand, everything else gets much easier to plan.

I've put together a free MTD readiness checker that tells you whether it affects you, what it means for your records, and what to do next. No jargon, no sign-up maze, just a clear picture so you can get ahead of it.
https://www.momentum360.co.uk/mtdreadiness/

And if you'd like to get your books in great shape before the January Self Assessment deadline, my self paced bookkeeping course is half price at £24.50 (usually £49 including VAT) until 31 January.
https://momentum360.thinkific.com/courses/essentialbookkeepingforsoletraders

Ask your clients where their receipts are right now and the honest answer is often:❌ their wallet❌ their car❌ their coat...
29/09/2026

Ask your clients where their receipts are right now and the honest answer is often:

❌ their wallet
❌ their car
❌ their coat pocket
❌ their downloads folder
❌ a WhatsApp thread from March

If you're an accountant, tax advisor or other professional who needs your clients' records in good order, you've probably spent far too many hours chasing those receipts.

If you'd like to pass some help on to clients who are doing their own bookkeeping, my self paced course for UK sole traders covers exactly this: what to record, where to keep it, what's deductible and how to keep their books in shape all year round. It's half price at £24.50 (usually £49 including VAT) until 31 January, so they can get organised before the Self Assessment deadline.

https://momentum360.thinkific.com/courses/essentialbookkeepingforsoletraders

And if you'd like to chat about working together on your clients' bookkeeping, message me and we can see if there's some synergy.

28/09/2026

In case you're new here.

I run two informal networking groups in Hertfordshire, and both are built around the same simple idea: no pitches, no pressure, just good conversations with other local business owners.

📍 Harpenden Connect: 2nd Thursday of the month, 10–11:30am, Lewis Restaurant at Rothamsted Research. Free, with free parking. Just buy your own coffee.

📍 Welwyn Connect: 3rd Monday of the month, 10–11:30am, The Campus, Welwyn Garden City. £8, includes tea/coffee.

Come to one, come to both, no obligation either way. Just a friendly room and a coffee.

A client showed me their AI generated profit and loss last week. Looked lovely. Beautifully formatted. Wrong in several ...
25/09/2026

A client showed me their AI generated profit and loss last week. Looked lovely. Beautifully formatted. Wrong in several places.

Turned out a couple of personal transactions had snuck in as business expenses, and a refund never got matched up properly. Small stuff, easy to miss, but the kind of small that either overstates your profit or understates what you owe.

AI and DIY tools are honestly pretty good at getting your numbers into a shape you can submit. What they're not so good at is catching the little things that change what those numbers actually mean once you look closer.

Submitted and accurate aren't quite the same thing, is what I'm saying.

If it's been a while since anyone's actually looked over what your setup's spitting out, send me a message, I'll happily take a look.

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