Carthy Accountants

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Carthy Accountants Running a business can take over your life. Find your three freedoms; time, money and peace of mind

If you’re running a small to medium-sized owner-managed business, you’ve just found the accountancy solution you’ve been looking for. We want to work with ambitious owners who want to build a better business - does this sound like you? To book a FREE business consultation to see how we can save you time and money and grow your business visit our website www.carthyaccountants.co.uk or call us on 01785 248939.

🎄 Carthy's Christmas Warm Up 🎄The Stafford Christmas lights are being switched on, and we'd love you to start the festiv...
10/10/2026

🎄 Carthy's Christmas Warm Up 🎄

The Stafford Christmas lights are being switched on, and we'd love you to start the festivities with us.

Pop into our office on Saturday 21st November for a mince pie and a drink. Then we'll head into town together for the switch on at 5pm.

Families welcome too!

33 Eastgate St, Stafford
2:30 - 4:30pm

RSVP by 16th Nov to [email protected]

Our 4th annual Carthy Cup golf tournament was amazing, despite the 'occasional' shower.Congratulations to David, Angela,...
04/10/2026

Our 4th annual Carthy Cup golf tournament was amazing, despite the 'occasional' shower.

Congratulations to David, Angela, George & Jack of Team Peaks-Par-Tee, who took home the coveted trophy and goodie bags.

Our next event is the Christmas Quiz Night on November 19th at The Post House in Stafford. Get a team together and book your tickets here: https://www.eventbrite.com/e/charity-christmas-quiz-night-hosted-by-carthy-accountants-tickets-2001872828519

If you'd like to help, you can donate through our JustGiving page: https://www.justgiving.com/crowdfunding/teamcarthyaccountants

01/10/2026

Do you know which VAT scheme your business is on?

The difference between the schemes is mostly about timing, and timing is cash flow.

Standard, or accrual - VAT is recorded on the date of the invoice. If a customer takes ninety days to pay, you can hand that VAT to HMRC before they have paid you anything at all.

Cash - VAT is recorded when the money actually moves, both on what comes in and what goes out. If you deal with slow payers, this is often the right home.

Flat rate - A simplified option. You pay one percentage of your gross income and generally do not reclaim VAT on your expenses, with some allowances for assets.

There is no universally correct answer. There is a right answer for your business, and it usually comes down to how quickly you get paid.

If you are not confident you are on the right one, that is a short conversation worth having.

Full article and video in the comments.

To register or not to register - that is the VAT question!VAT is charged on most goods and services sold in the UK. Once...
30/09/2026

To register or not to register - that is the VAT question!

VAT is charged on most goods and services sold in the UK. Once your business is registered, you add it to what you charge your customers, and you hand that money to HMRC. The VAT you collect is not income. It lands in your bank account, it looks like your money, but it never was.

You do not have to wait until you are forced to register

There is a turnover threshold at which registering becomes compulsory. But you can register voluntarily at any point, even on your first day of trading. Whether that is a good idea depends almost entirely on who your customers are.

Full article and video in the comments.

29/09/2026

Should you register for VAT before you have to?

It's easy to assume you wait until you are forced by HMRC before registering, but you don't have to. Voluntary registration is available from your first day of trading.

Whether it is a good idea depends almost entirely on who you sell to.

If your customers are mainly other businesses, registering early often works in your favour. They are likely to be registered themselves, so the VAT you charge them costs them nothing in real terms. Meanwhile you start reclaiming the VAT on your own costs straight away.

If your customers are mainly the general public, it works the other way round. They cannot reclaim a penny. Register early and you have either made yourself noticeably more expensive overnight, or you are absorbing the difference out of your margin.

Same rules, opposite answers. Which is why this is a positioning decision as much as a tax one, and worth thinking about properly rather than waiting for the threshold to make it for you.

If you are somewhere near that point, we are happy to talk it through.

Full article and video in the comments.

Our Charity Quiz Night is back!April's quiz night was such a brilliant evening that we're doing it again, this time with...
27/09/2026

Our Charity Quiz Night is back!

April's quiz night was such a brilliant evening that we're doing it again, this time with a festive twist.

Join us on Thursday 19th November at The Post House Bar & Grill in Stafford. We'll start at 7pm and finish around 9:30pm.

Entry is £56 per team of 4 (plus booking fee). That includes a burger and fries for everyone, served during the break at 8pm. Let us know about any dietary requirements when you book.

You don't need to be a quiz whiz! Just bring your team and be ready to have a great night.

All profits go to A Child of Mine and the Childhood Cancer Parents Alliance. Every team that signs up helps us towards our £25,000 target for our 25th year.

Grab your team's place using the link in the first comment. We'd love to see you there.

Brindisi is in sight.The team are just 44 miles from the port at the heel of Italy's boot. From there, it's across the A...
26/09/2026

Brindisi is in sight.

The team are just 44 miles from the port at the heel of Italy's boot. From there, it's across the Adriatic and into Greece. Only 450 miles now stand between us and the finish line.

It's worth remembering where this started. A swimming pool in Stafford. Since then we've crossed the Channel. We've made our way through France, Germany and Austria. We've climbed through the Alps. We've worked our way down the length of Italy.

Every one of those miles has been for A Child of Mine and the Childhood Cancer Parents Alliance. Both charities stand beside families on the hardest days they'll ever face. Our goal is to raise £25,000 for them in our 25th year.

The final stretch is where your support counts most. If you've been following the journey but haven't given yet, now's the moment. The link is in the first comment.

Thank you for cheering us on this far. Greece, here we come.

25/09/2026

£30,000 a year salary is not what that hire costs you.

On top of the salary sits employer's National Insurance, pension contributions if your employee is eligible, holiday pay and potentially statutory sick pay.

None of it is hidden. It is just easy to miss when you have never taken anyone on before, and it is the reason so many first hires cause cash flow problems three months in.

Lucy Strange runs through what to budget for.

Rates and thresholds change at the Budget. Always check the current figures before you commit.

Full article and video in the comments.

24/09/2026

Can you put a family member on the payroll?

The short answer is 'yes' but there are some conditions.

They need to be doing a genuine role in the business, and they need to be paid a commercial rate for the work they actually complete. You can't just pay them what you want for doing nothing.

Meet both and the tax treatment is the same as it would be for anybody else. Fail them and you have a problem, because a wage paid for work that is not being done is not a wage.

Lucy explains...

Full article and video in the comments.

Address

33 Eastgate Street
Stafford
ST162LZ

Opening Hours

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

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