Finances

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Revision as of 14:18, 14 February 2018 by Milk (talk | contribs) (→‎Sales)
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General

See also Payment, Blockchain, See also SaaS#E-commerce


to sort;



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.



Sales

  • 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.


Affiliate

Accounting

General





  • 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.






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.
  • 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.
  • Manager includes key accounting modules, tax functions and features that streamline data entry and accounting procedures.

Services

  • 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

Payment

Credit notes

Tax


Law

Self-assessment

Working Tax Credit






For a single person, minimum 30 hours work a week, receive up to £790 a year. Limit to income is £13,000 per annum.

Tax Credit Helpline: 0345 300 3900


NHS help


etc


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

Dividends

VAT


FRC 102

Benefits / credits

Government tax credits and other benefits.

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

Housing Benefit

Job Grant

JSA

Max 16 hours work a week.

£5, then minus and money earned.

Universal Credit

Coming October 2013.


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.

P2P lending

Funding



  • Funding Scotland - Signposting funding opportunities for Charities, Community Groups and Businesses around Scotland.

Investment

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


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