Finances
See also Merchant services, Cryptocurrency
Income
- http://www.contractorcalculator.co.uk/
- http://www.contractorcalculator.co.uk/charging_clients_retainer_how_they_work.aspx
Pricing
Some ideas
Cloud Web Design
- Business Card, Articles, Blogging, Image Galleries, etc.
- WordPress.com, Tumblr.com, etc.
- From £400.
- Plus costs (£40/yr for theme & ad-free, plus domain).
Web Site Design and Build
- Self-hosted Drupal site with bespoke configuration and theme
- Using process estimation tools vs. budget
- From £650 (5 days), at £130 a day
- SSL cert. extra
Hosting and maintenance
- £15/mth for hosting, plus security upgrades
Support, Training, Consultancy £25/hr for additional backend or administration support, or £100 for a full day consultation.
Cloud site setup and custom theme, from £400, or a full site with bespoke backend and custom theme, starting at £650.
- http://wunderkraut.com/blog/how-to-fail-in-a-drupal-project-fixed-price-contracts/2013-07-10
- http://tracerbullets.wordpress.com/2013/09/05/i-have-another-bull-in-the-next-field/
- http://www.reddit.com/r/web_design/comments/1mftyi/screwed_by_paypal_what_marketplacespayment/cc8yf4n
- http://nathanpowell.me/blog/more-clients-for-your-business/
Accounting
Software
- Buddi is a personal finance and budgeting program, aimed at those who have little or no financial background.
- 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.
Services
- http://www.freeagent.com/?referrer=33dgfkb0 - rachel's code
- PocketSmith - The personal finance app with cashflow forecasting
Budgeting
5 fridays (or 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
Late
Credit notes
Tax
See also Credits
Self-assessment
- https://www.gov.uk/self-assessment-tax-returns
- https://www.gov.uk/register-for-self-assessment
- https://www.gov.uk/self-assessment-tax-returns/deadlines
etc
- http://www.besttaxback.com/calculator/taxcalc.aspx
- http://www.easyaccountancy.co.uk/about/freelancer_sole_trader_take_home_calculator.html
- http://www.smallbusinesspro.co.uk/tax/sole-trader-tax.html
- http://www.easyaccountancy.co.uk/faqcentre/self_employed_faq.html
Sole traders’ tax responsibilities:
- send a Self Assessment tax return every year
- pay Income Tax on the profits your business makes
- pay National Insurance
- register for VAT if you expect your business’ takings to be more than £77,000 a year.
Limited Company: Any profit it makes is owned by the company, after it pays Corporation Tax. The company can then share its profits.
Tools
other
- http://www.launchside.com/blog/llc-vs-s-corp-vs-c-corp/ - usa startup taxes
VAT
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
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.