Difference between revisions of "Finances"
Jump to navigation
Jump to search
(→Sales) |
|||
| Line 27: | Line 27: | ||
* http://www.moneysavingexpert.com/ | * http://www.moneysavingexpert.com/ | ||
| − | |||
| − | |||
| − | + | === Accounting === | |
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | = | ||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
* http://www.accountingweb.co.uk/ | * http://www.accountingweb.co.uk/ | ||
* http://static.steve.org.uk/expenses | * http://static.steve.org.uk/expenses | ||
| − | + | ||
* YouTube: [https://www.youtube.com/watch?v=_S_oIVphA00 Do I Pay Tax on YouTube Earnings? Tax on Small Income (In the UK in 2018)] - Andy Mac Drums | * YouTube: [https://www.youtube.com/watch?v=_S_oIVphA00 Do I Pay Tax on YouTube Earnings? Tax on Small Income (In the UK in 2018)] - Andy Mac Drums | ||
* YouTube: [https://www.youtube.com/watch?v=8lnoxU5Db20 It's UK Tax Time And You Need To Sort Your Receipts!] - Andy Mac Drums | * YouTube: [https://www.youtube.com/watch?v=8lnoxU5Db20 It's UK Tax Time And You Need To Sort Your Receipts!] - Andy Mac Drums | ||
| − | + | ||
| + | |||
* https://en.wikipedia.org/wiki/Accounting | * https://en.wikipedia.org/wiki/Accounting | ||
| Line 158: | Line 94: | ||
* https://en.wikipedia.org/wiki/Surety | * https://en.wikipedia.org/wiki/Surety | ||
| + | |||
=== Software === | === Software === | ||
| Line 196: | Line 133: | ||
* https://github.com/hrj/abandon | * https://github.com/hrj/abandon | ||
| + | |||
=== Services === | === Services === | ||
| Line 209: | Line 147: | ||
* http://thenextweb.com/apps/2014/06/19/billguard-now-helps-brits-aussies-new-zealanders-combat-credit-card-fraud-hidden-merchant-fees/ | * http://thenextweb.com/apps/2014/06/19/billguard-now-helps-brits-aussies-new-zealanders-combat-credit-card-fraud-hidden-merchant-fees/ | ||
| + | |||
=== Budgeting === | === Budgeting === | ||
| Line 225: | Line 164: | ||
* https://github.com/psobot/secalculator | * https://github.com/psobot/secalculator | ||
| + | |||
==== Scripts ==== | ==== Scripts ==== | ||
* [https://drive.google.com/templates?q=budget&sort=user&view=public Google Docs Template Gallery: budget] | * [https://drive.google.com/templates?q=budget&sort=user&view=public Google Docs Template Gallery: budget] | ||
* [https://drive.google.com/templates?q=timesheet&sort=user&view=public Google Docs Template Gallery: timesheet] | * [https://drive.google.com/templates?q=timesheet&sort=user&view=public Google Docs Template Gallery: timesheet] | ||
| + | |||
== Invoicing == | == Invoicing == | ||
* http://en.wikipedia.org/wiki/Invoice | * http://en.wikipedia.org/wiki/Invoice | ||
| + | |||
=== Templates === | === Templates === | ||
* http://www.contractoruk.com/limited_companies/free_invoice_template.html | * http://www.contractoruk.com/limited_companies/free_invoice_template.html | ||
| + | |||
=== Open source systems === | === Open source systems === | ||
| Line 240: | Line 183: | ||
* http://www.jbilling.com/community | * http://www.jbilling.com/community | ||
| + | |||
=== Services === | === Services === | ||
| Line 258: | Line 202: | ||
* https://news.ycombinator.com/item?id=8172867 - free | * https://news.ycombinator.com/item?id=8172867 - free | ||
| + | |||
=== Payment === | === Payment === | ||
| Line 264: | Line 209: | ||
* [http://pixxel.co/feed/client-wont-pay-my-final-resort Client won’t pay, my final resort] | * [http://pixxel.co/feed/client-wont-pay-my-final-resort Client won’t pay, my final resort] | ||
* [https://www.youtube.com/watch?v=jVkLVRt6c1U Mike Monteiro: Fuck You, Pay Me] | * [https://www.youtube.com/watch?v=jVkLVRt6c1U Mike Monteiro: Fuck You, Pay Me] | ||
| + | |||
=== Credit notes === | === Credit notes === | ||
| Line 269: | Line 215: | ||
* http://www.hmrc.gov.uk/vat/managing/special-situations/returned-goods.htm | * http://www.hmrc.gov.uk/vat/managing/special-situations/returned-goods.htm | ||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
| − | |||
== Benefits / credits == | == Benefits / credits == | ||
| Line 442: | Line 265: | ||
* http://www.hmrc.gov.uk/taxcredits/universal-credit.htm | * http://www.hmrc.gov.uk/taxcredits/universal-credit.htm | ||
* http://www.dwp.gov.uk/policy/welfare-reform/universal-credit/ | * http://www.dwp.gov.uk/policy/welfare-reform/universal-credit/ | ||
| + | |||
| + | === NHS help === | ||
| + | * gov.scot: [http://www.gov.scot/Publications/2012/05/9246 Are You Entitled to Help with Health Costs (HCS1)] | ||
| + | ** [gov.scot: http://www.gov.scot/Publications/2012/05/9246/7 NHS optical vouchers (towards the cost of glasses or contact lenses)] | ||
| + | |||
| + | |||
| + | * [http://www.nhsbsa.nhs.uk/ NHS Business Services Authority] | ||
| + | ** [https://www.nhsbsa.nhs.uk/nhs-low-income-scheme NHS Low Income Scheme] | ||
| + | ** [http://contactcentreservices.nhsbsa.nhs.uk/selfnhsukokb/template-group.do NHS Business Services Authority Knowledge Base] | ||
| Line 453: | Line 285: | ||
* https://getmondo.co.uk/blog/2016/01/20/how-do-bank-payments-work/ [https://news.ycombinator.com/item?id=10937633] | * https://getmondo.co.uk/blog/2016/01/20/how-do-bank-payments-work/ [https://news.ycombinator.com/item?id=10937633] | ||
| + | |||
=== Tridos === | === Tridos === | ||
* http://triodos.co.uk | * http://triodos.co.uk | ||
Revision as of 14:26, 14 February 2018
General
See also Payment, Blockchain, See also SaaS#E-commerce
to sort;
Accounting
- 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
- WP: 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
- WP: 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.
- WP: 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.
Software
- GnuCash is 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 is 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 is a powerful, double-entry accounting system that is accessed from the UNIX command-line.
- jGnash is 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 is 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 is 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 is a personal finance and budgeting program, aimed at those who have little or no financial background.
- Grisbi is a very functional personal financial management program with a reasonable set of homefinance features.
- HomeBank is 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 is 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 is 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.
Services
- 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.
Budgeting
5 week month = 5 mondays (?)
Scripts
Invoicing
Templates
Open source systems
Services
- http://www.bookkeepy.co.uk/ - nice and clean
- https://www.invoicejournal.com/ - popped up via hn
- http://curdbee.com/pricing/ - free branded teir
Payment
Credit notes
Benefits / credits
Government tax credits and other benefits.
- http://www.adviceguide.org.uk/scotland/work_s/work_self_employed_or_looking_for_work_s.htm
- http://www.adviceguide.org.uk/scotland/benefits_s/benefits_in_work_or_looking_for_work_s/benefits_and_tax_credits_for_people_in_work.htm
National Insurance
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
Housing Benefit
Council Tax
- http://www.saa.gov.uk/ - search for band
Housing Benefit
Job Grant
JSA
Max 16 hours work a week.
£5, then minus and money earned.
Universal Credit
Coming October 2013.
- http://www.hmrc.gov.uk/taxcredits/universal-credit.htm
- http://www.dwp.gov.uk/policy/welfare-reform/universal-credit/
NHS help
- gov.scot: Are You Entitled to Help with Health Costs (HCS1)
- [gov.scot: http://www.gov.scot/Publications/2012/05/9246/7 NHS optical vouchers (towards the cost of glasses or contact lenses)]
Credit Unions
Banks
Tridos
"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."
Co-operative
Online service, no real-life access?
Has branches under the name Britannia. One on George Street.
- http://www.guardian.co.uk/commentisfree/2013/jun/17/co-operative-bank-bail-in
- http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/10125254/Co-operative-Bank-faces-nationalisation-if-junior-bondholders-reject-haircut.html
- http://www.independent.co.uk/news/business/news/coop-saved-but-banks-face-shakeup-in-pivotal-week-8661174.html
- http://moneyweek.com/what-happens-to-co-op-bond-now/
P2P lending
Funding
- Funding Scotland - Signposting funding opportunities for Charities, Community Groups and Businesses around Scotland.
Investment
- http://www.paulgraham.com/guidetoinvestors.html
- http://iamwil.posterous.com/i-got-into-yc-after-applying-six-times-heres/
Stock markets
Software
- 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.
Credit rating
Currency
See also Cryptocurrency