- 1 Accounting
- 2 Software
- 3 Generating revenue
- 4 Invoicing
- 5 Benefits / credits
- 6 Credit Unions
- 7 Banks
- 8 Funding
- 9 Stock markets
- 10 Credit rating
- 11 Currency
- https://en.wikipedia.org/wiki/Revenue - the income that a business has from its normal business activities, usually from the sale of goods and services to customers. Revenue is also referred to as sales or turnover. Some companies receive revenue from interest, royalties, or other fees. Profits or net income generally imply total revenue minus total expenses in a given period. In accounting, in the balance statement it is a subsection of the Equity section and revenue increases equity, it is often referred to as the "top line" due to its position on the income statement at the very top. This is to be contrasted with the "bottom line" which denotes net income (gross revenues minus total expenses). For non-profit organizations, annual revenue may be referred to as gross receipts.
Turn over excludes VAT if VAT registered. In debts were outstanding at the start or end of the year, turnover figure would depend on whether cash-based (self-employed) or accruals based (ltd company) accounting is used.
- Turnover = vanity
- Profit = sanity
- Cash = reality
- https://en.wikipedia.org/wiki/Operating_expense - operating expenditure, operational expense, operational expenditure or opex is an ongoing cost for running a product, business, or system. In business, an operating expense is a day-to-day expense such as sales and administration, or research & development, as opposed to production, costs, and pricing. In short, this is the money the business spends in order to turn inventory into throughput. On an income statement, "operating expenses" is the sum of a business's operating expenses for a period of time, such as a month or year.
- https://en.wikipedia.org/wiki/Capital_expenditure - or capital expense (capex) is the money a company spends to buy, maintain, or improve its fixed assets, such as buildings, vehicles, equipment, or land. It is considered a capital expenditure when the asset is newly purchased or when money is used towards extending the useful life of an existing asset, such as repairing the roof.
- HMRC YouTube: Why have I been sent a Tax Return
- HMRC YouTube: Your self-employed tax return
- GOV.UK: Income Tax losses toolkit
- YouTube: Do I Pay Tax on YouTube Earnings? Tax on Small Income (In the UK in 2018) - Andy Mac Drums
- YouTube: It's UK Tax Time And You Need To Sort Your Receipts! - Andy Mac Drums
- https://gitlab.com/alextee/gen_invoice - Invoice generator using pydoc
- GnuCash - personal and small-business financial-accounting software, designed to be easy to use, yet powerful and flexible. Allows you to track bank accounts, stocks, income and expenses. As quick and intuitive to use as a checkbook register, it is based on professional accounting principles to ensure balanced books and accurate reports.
- KMyMoney - a personal finance manager for KDE. It enables users of open source operating systems to keep careful track of their personal finances by providing a broad array of financial features and tools.
- Ledger - a powerful, double-entry accounting system that is accessed from the UNIX command-line.
- jGnash - a free (no strings attached!) personal finance manager with many of the same features as commercially-available software. It was created in order to make tracking your personal finances easy, but also provides the functionality required by advanced users. Java.
- iFreeBudget - a simple tool for personal finance manager and budgeting application. It is designed and written to be intuitive and easy to use for home and small business users. iFreeBudget uses double entry accounting. iFreeBudget is open source and free. Java.
- Budgeter - a program designed to help individuals keep track of their money. It can always tell you how much money you have available now, as long as you enter all your transactions into it. In addition, it can summarise your past transactions to show you how you have spent your money up until this point. It allows you to categorise money and transactions to help make sense of expenses and to plan.
- Buddi - a personal finance and budgeting program, aimed at those who have little or no financial background.
- Grisbi - a very functional personal financial management program with a reasonable set of homefinance features.
- HomeBank - free software that will assist you to manage your personal accounting. It is designed to easy to use and be able to analyse your personal finance in detail using powerful filtering tools and graphs.
- dsBudget is a simple, open source budgeting program for everyone. With dsBudget, you can save money by understanding where you spend your money.
- Dough - a free envelope budgeting application. It's designed to be both simple and attractive whilst being very effective at helping you keep in control of your spending.
- Yapbam - a personal bank account manager.
- SwingTix Bookkeeper - A double-entry bookkeeping system.
- Manager - includes key accounting modules, tax functions and features that streamline data entry and accounting procedures.
- hledger - an accounting program, for tracking money, time, or other commodities, on unix, mac and windows. With simple yet powerful functionality accessed from command line, terminal or web browser, it is a dependable, cross-platform alternative to Quicken, GnuCash, spreadsheets etc.
- https://github.com/feramhq/transity - Keep track of your dollar, clock9, pig2, cow2, beers on your command line
- http://www.freeagent.com/?referrer=33dgfkb0 - rachel's code
- PocketSmith - The personal finance app with cashflow forecasting
- BillGuard is a personal finance security and productivity company. Its mobile and website application scans credit card and debit card transactions, alerting users to possible scams, billing errors, fraudulent charges and hidden fees.
5 week month = 5 mondays (?)
- Accounting Standards - explains the scope, authority and identification of accounting standards, issued by the Financial Reporting Council (FRC), for the purposes of the Companies Act 2006 (the Act) and Regulations made thereunder. This foreword relates to financial statements prepared in accordance with UK and Republic of Ireland legislation and accounting standards (for companies these are referred to in the Act as ‘Companies Act accounts’). It does not apply to financial statements prepared in accordance with EU-adopted IFRS (for companies these are referred to in the Act as ‘IAS accounts’).
- https://en.wikipedia.org/wiki/Profit_margin - net margin, net profit margin or net profit ratio is a measure of profitability. It is calculated by finding the net profit as a percentage of the revenue. Net profit is revenue minus cost.
- https://softwareengineering.stackexchange.com/questions/648/how-to-respond-when-you-are-asked-for-an-estimate 
- https://www.acquisition.gov/?q=browse/far/16 - contract types
- Ultimate Guide to SaaS Pricing by KISSmetric
- The Horizontal Distribution Hack - “Send Your Friends a Diwali Gift” went viral in India the way “Free Gfits” never did. “Crazy Taxi” went viral the way “Free Flash Games” never did. “Seinfeld TV Quote Quiz” went viral the way “TV Quotes Quiz” never did. And the best part? This still works today. And even more powerfully on mobile.
- https://en.wikipedia.org/wiki/Private_label - Private-label products or services are typically those manufactured or provided by one company for offer under another company's brand. Private-label goods and services are available in a wide range of industries from food to cosmetics to web hosting. They are often positioned as lower-cost alternatives to regional, national or international brands, although recently some private label brands have been positioned as "premium" brands to compete with existing "name" brands.
- https://twitter.com/bridgetminamore/status/966348555073064965 - late charge + interest
Open source systems
- http://www.bookkeepy.co.uk/ - nice and clean
- https://www.invoicejournal.com/ - popped up via hn
- http://curdbee.com/pricing/ - free branded teir
Benefits / credits
Government tax credits and other benefits.
- gov.uk: Benefits calculators
Needs Certificate of Small Earnings Exception (SEE).
- Up to £5,595 @ £0 with exception
- £5,595 - £7,604 @ £2.65 a week
- £7,605 - £42,475 @ same, plus 9% of profits between
- http://www.saa.gov.uk/ - search for band
Max 16 hours work a week.
£5, then minus and money earned.
New benefits system, not all are on it.
- gov.scot: Are You Entitled to Help with Health Costs (HCS1)
- NHS Business Services Authority
"We do not provide counter banking services from our Edinburgh office (or indeed any of our UK offices) but are pleased to meet with business customers who have a pre-arranged appointment."
Online service, no real-life access?
Has branches under the name Britannia. One on George Street.
- Revolut - A better way to handle your money
- Funding Scotland - Signposting funding opportunities for Charities, Community Groups and Businesses around Scotland.
- Grism is an open source stock market observation tool. It allows you to easily track the evolution of stock prices through watchlists, portfolios and charts.
See also Cryptocurrency