Finances

Budgeting

http://angus65.com/dave-ramsey/dave-ramsey-monthly-budget-faq/

https://drive.google.com/templates?q=timesheet&sort=user&view=public

time series - modelling month/weeks/days for budget process

http://en.wikipedia.org/wiki/4%E2%80%934%E2%80%935_calendar

Pricing

In lump sums for set period of hours done.

Intro pricing:

4h - 50
8h - 100
16h - 200
24h - 300
32h - 400

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

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

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."