Finances

Things and Stuff Wiki - An organically evolving personal wiki knowledge base. An on-the-fly taxonomy containing a patchwork trail of topic outlines, descriptions, notes, stubs and breadcrumbs, with links to sites, systems, software, manuals, organisations, people, articles, guides, slides, papers, books, comments, videos, screencasts, webcasts, scratchpads and more. Content is orientated towards mostly free/libre/open, mostly Linux. Quality and age varies drastically. Sometimes old things are first, sometimes last. Use the Table of Contents menu to navigate long pages. Zoom in if text is too small. Dead link? Wayback Machine. I probably need to fix the theme CSS after an update. See also libreav.org. Chat to msg me (not checking tho atm). e

Budgeting

Allocated Spending Plan FAQ

5 fridays (or 5 mondays?)

Services

PocketSmith - The personal finance app with cashflow forecasting

Pricing

Plans.

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

Hosting and maintenance

£15/mth for hosting, plus security upgrades

Support, Training, Consultancy

£25/hr for additional support

Articles

http://doubleyourfreelancingrate.com/
- https://training.kalzumeus.com/newsletters/archive/consulting_1

http://makaluinc.com/blog/2012/11/how-to-calculate-an-hourly-rate.html

Invoicing

http://en.wikipedia.org/wiki/Invoice

Tax

Self-assessment

http://www.gateway.gov.uk/

etc

http://www.hmrc.gov.uk/incometax/codes-basics.htm

Class 2 National Insurance contributions

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.

http://www.revenuebenefits.org.uk/tax-credits/guidance/how-do-tax-credits-work/self-employed/

https://online.hmrc.gov.uk/registration/newbusiness

http://www.contractoruk.com/limited_companies/contractor_taxes.html

Tools

http://www.easyaccountancy.co.uk/about/freelancer_sole_trader_take_home_calculator.html

http://www.besttaxback.com/calculator/taxcalc.aspx

http://www.hmrc.gov.uk/tools/sa-ready-reckoner/index.htm - ni calc

other

http://www.launchside.com/blog/llc-vs-s-corp-vs-c-corp/ - usa startup taxes

VAT

VATLive

Banks

Tridos

http://triodos.co.uk

"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."