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# SG Accounting

Specialist contractor and small business accountants, established 1995. Limited Company, Sole Trader and Umbrella accounting with IR35 advice, FreeAgent software and unlimited tax support included. No set-up or switching fees.

## Sitemaps

- [XML Sitemap](https://sg-accounting.co.uk/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [VAT Schemes: Which one is right for your business?](https://sg-accounting.co.uk/blog/vat-schemes-which-one-is-right-for-your-business/) - Choose the best VAT scheme for your business with a guide to Standard VAT, Cash Accounting, Flat Rate and Annual Accounting to improve cash flow and compliance.
- [Director’s loans explained: The complete guide for limited company directors](https://sg-accounting.co.uk/blog/directors-loans-explained-the-complete-guide-for-limited-company-directors/) - Director’s Loans explained for limited company directors, covering DLA rules, tax charges, Section 455, risks, HMRC monitoring and compliance.
- [Are pension contributions an allowable business expense for directors?](https://sg-accounting.co.uk/blog/are-pension-contributions-an-allowable-business-expense-for-directors/) - Pension contributions can be an allowable business expense for directors, helping reduce taxable profits and Corporation Tax. Learn the rules and tax benefits.
- [Can Contractors Claim Client Entertaining and Staff Entertainment Expenses](https://sg-accounting.co.uk/blog/can-contractors-claim-client-entertaining-and-staff-entertainment-expenses/) - Learn the HMRC limits on entertaining clients and staff, Christmas parties, and trivial benefits to stay compliant.
- [Trivial Benefits](https://sg-accounting.co.uk/blog/trivial-benefits/) - Discover how UK employers can offer tax-free trivial benefits to employees, including what qualifies, HMRC rules, and how to stay compliant.
- [Can you claim your holiday party as a business expense?](https://sg-accounting.co.uk/blog/can-you-claim-your-holiday-party-as-a-business-expense/) - There are rules to follow if you want to claim your holiday party as a business expense. This blog shows you how, to keep the taxman happy.
- [VAT schemes – which one is right for you?](https://sg-accounting.co.uk/blog/vat-schemes-which-one-is-right-for-you/) - Discover the main VAT schemes for Limited Companies and find out which one suits your business to improve cash flow and simplify VAT reporting.
- [5 Mistakes People Make When Doing Their Own VAT Return](https://sg-accounting.co.uk/blog/5-mistakes-doing-own-vat-return/) - Completing your VAT Return can be a stressful task if you leave it to the last minute. Learn from these mistakes when submitting your own VAT Returns.
- [The tax benefits of making pension contributions through your Limited Company](https://sg-accounting.co.uk/blog/the-tax-benefits-of-making-pension-contributions-through-your-limited-company/) - Discover how Limited Company pension contributions can reduce your tax bill, avoid NICs, and build a tax-efficient retirement fund.
- [Directors Loan: 5 things you should know](https://sg-accounting.co.uk/blog/directors-loan-5-things-you-should-know/) - Loaning money from your limited company is referred to as a Directors Loan. This post explores 5 things you need to know before taking out a directors loan.
- [Everything you need to know about Director’s Loan](https://sg-accounting.co.uk/blog/everything-you-need-to-know-about-directors-loan/) - A Director’s Loan is a complicated piece of legislation that director’s need to be familiar with, this guide breaks down the facts.
- [Why Should I Use a Specialist Limited Company Contractor Accountant Instead of a General Accountant?](https://sg-accounting.co.uk/blog/why-should-i-use-a-specialist-limited-company-contractor-accountant-instead-of-a-general-accountant/) - While a general accountant can handle standard bookkeeping and tax returns, a specialist contractor accountant understands the unique needs of contractors.
- [How do dividends and salary work for Limited Company directors?](https://sg-accounting.co.uk/blog/how-do-dividends-and-salary-work-for-limited-company-directors/) - Understand how UK limited company directors use salary and dividends to pay themselves tax-efficiently, including tax rates, HMRC rules, and Corporation Tax.
- [What Responsibilities Do You Have as a Limited Company Director?](https://sg-accounting.co.uk/blog/what-responsibilities-do-you-have-as-a-limited-company-director/) - This guide walks through the key responsibilities of a limited company director, explains the filing deadlines, and how an accountant makes compliance simple.
- [How Does Business Banking Work for Small Businesses and Contractors?](https://sg-accounting.co.uk/blog/how-does-business-banking-work-for-small-businesses-and-contractors/) - This guide explains how to choose the right account, the benefits it offers, and answers to the most common questions about how business banking works.
- [How Do I Get Started as a Contractor Through a Limited Company?](https://sg-accounting.co.uk/blog/how-do-i-get-started-as-a-contractor-through-a-limited-company/) - Looking to get started as a contractor through a limited company? We discuss incorporation, what taxes to register for and your responsibilities as a director.
- [How do Limited Company dividends work?](https://sg-accounting.co.uk/blog/limited-company-dividends/) - In this blog, we break down what Limited Company dividends are, how they’re paid, and what you need to know as a Limited Company owner in the UK.
- [What do Limited Company directors need to file with HMRC and Companies House throughout the year?](https://sg-accounting.co.uk/blog/limited-company-directors-responsibilities/) - In this blog we take a closer look at Limited Company director's responsibilities, and when key dates are due throughout the financial year.
- [What Accounting Software Should I Use as a Contractor?](https://sg-accounting.co.uk/blog/what-accounting-software-should-i-use-as-a-contractor/) - With so many options available, it can be difficult to know which accounting software to choose – so here's what you need to know to pick the right one for you.
- [Dormant Limited Companies in the UK: Rules, tax implications and how to stay compliant](https://sg-accounting.co.uk/blog/dormant-limited-companies-in-the-uk-rules-tax-implications-and-how-to-stay-compliant/) - Learn how to stay compliant and reduce admin effectively with a dormant company - understand HMRC rules, tax implications, and filing requirements.
- [Dormant Companies Explained for Limited Company Contractors](https://sg-accounting.co.uk/blog/dormant-companies-what-contractors-and-freelancers-with-a-uk-limited-company-need-to-know/) - What are dormant companies, how does the dormant state work, and how can SG Accounting help? Our blog reveals everything you need to know.
- [Spring Budget 2017](https://sg-accounting.co.uk/blog/spring-budget-2017/) - The Chancellor Philip Hammond has delivered his first Budget speech and outlined plans for what he called ‘a fair, stable and competitive tax system’.
- [How to challenge a client’s IR35 determination](https://sg-accounting.co.uk/blog/how-to-challenge-a-clients-ir35-determination/) - Been placed inside IR35, when you think you should be outside? In this blog we explore the steps you can take to challenge your status.
- [How Much Does a Contractor Accountant Cost, and What Value Should I Expect?](https://sg-accounting.co.uk/blog/how-much-does-a-contractor-accountant-cost-and-what-value-should-i-expect/) - This guide outlines typical fees, what’s included, what adds value, and how to choose a specialist contractor accountant.
- [What Insurance Do I Need as a Limited Company Contractor?](https://sg-accounting.co.uk/blog/what-insurance-do-i-need-as-a-limited-company-contractor/) - Below, we look at the main types of insurance to consider as a limited company contractor, how they protect you, and how they can support your IR35 status.
- [Contracting in Cybersecurity](https://sg-accounting.co.uk/blog/contracting-in-cybersecurity/) - Cybersecurity certainly looks like a booming area to get involved in, but can anyone become a cybersecurity contractor?
- [4 Things Not to Say to Your Accountant](https://sg-accounting.co.uk/blog/4-things-not-say-accountant/) - When hiring an accountant, there are standard questions to ask - how much are fees, is your data safe, etc. But what questions should you steer away from?
- [5 Common Mistakes Found on Self Assessment Tax Returns](https://sg-accounting.co.uk/blog/common-mistakes-tax-returns/) - Tax return time is a stressful period for most of us. Here are five common mistakes that you might kick yourself for making.
- [What does a limited company accountant cost?](https://sg-accounting.co.uk/blog/what-does-a-limited-company-accountant-cost/) - Finding time to keep on top of accounts can be difficult, this article explores what you can expect to pay a contractor accountant and what this includes.
- [Being efficient with your tax](https://sg-accounting.co.uk/blog/being-efficient-with-your-tax/) - Contractors are hard workers. Thus, you will want to make sure that you don’t have to pay more tax than you legitimately have to! This article examines how you can make withdrawals from your business that may help reduce your tax burden.
- [The Status Determination Statement (SDS) – do you have yours?](https://sg-accounting.co.uk/blog/the-status-determination-statement-sds-do-you-have-yours/) - If you're a Limited Company contractor, have you been given your Status Determination Statement from your client yet? If not, this blog is for you.
- [5 ways to increase your take-home pay ](https://sg-accounting.co.uk/blog/5-ways-to-increase-your-take-home-pay/) - As a contractor, how can you increase your take-home pay? Here are 5 ways to get more by being smart with your salary, dividends and expenses.
- [Limited Company vs Inside IR35 - What Actually Changes?](https://sg-accounting.co.uk/blog/limited-company-vs-inside-ir35-what-actually-changes/) - This guide explains the key financial, administrative and working differences between working outside IR35 with a limited company vs inside IR35
- [Why Clients Default to Inside IR35 (and What This Means for Contractors)](https://sg-accounting.co.uk/blog/why-clients-default-to-inside-ir35-and-what-this-means-for-contractors/) - Many contractors find that roles which should fall outside IR35 are classified inside – sometimes because the client simply doesn’t want to take the risk.
- [What You Need to Know About Business Asset Disposal Relief](https://sg-accounting.co.uk/blog/what-you-need-to-know-about-business-asset-disposal-relief-badr/) - Understand Business Asset Disposal Relief (BADR), eligibility, claiming process, and the 2026 tax changes to Capital Gains Tax.
- [Trivial Benefits for Limited Companies: Tax-free gifts and employee rewards](https://sg-accounting.co.uk/blog/trivial-benefits-for-limited-companies-tax-free-gifts-and-employee-rewards/) - Explore how UK limited companies can give tax-free trivial benefits like gifts and rewards. Learn HMRC rules, limits, and compliance for directors / employees.
- [What Are the Pros and Cons of Contracting Through a Limited Company?](https://sg-accounting.co.uk/blog/what-are-the-pros-and-cons-of-contracting-through-a-limited-company/) - Forming a Limited Company comes with many responsibilities, so understanding both the benefits and potential drawbacks will help you make an informed decision.
- [Can a limited company loan money to another limited company?](https://sg-accounting.co.uk/blog/loaning-money-to-another-company/) - If you’re in the position to make the loan, it’s important to understand if this is allowed and if so, what tax implications (if any) this has.
- [SG Accounting announced as a finalist in this year’s Contracting Awards](https://sg-accounting.co.uk/blog/sg-accounting-announced-as-a-finalist-in-this-years-contracting-awards/) - SG Accounting is shortlisted in the 2026 Contracting Awards, recognised for quality, compliance and trusted contractor‑focused accountancy services.
- [How to Tell if You Are Inside or Outside IR35](https://sg-accounting.co.uk/blog/how-to-tell-if-you-are-inside-or-outside-ir35/) - Understanding whether you’re inside or outside IR35 isn’t about memorising tax law – it’s about recognising how your working relationship looks in practice.
- [Moving Between Inside and Outside IR35](https://sg-accounting.co.uk/blog/moving-between-inside-and-outside-ir35/) - Each role has its own rules and payment structure. With the right systems and advice, moving between inside and outside IR35 can be compliant and stress-free.
- [Allowable business expenses for Limited Company Directors: explained](https://sg-accounting.co.uk/blog/allowable-business-expenses-for-limited-company-directors-explained/) - Maximise your limited company tax efficiency, learn which business expenses you can claim, including travel, home office, professional fees under HMRC rules.
- [How to Protect Your IR35 Position Before a Contract Starts](https://sg-accounting.co.uk/blog/how-to-protect-your-ir35-position-before-a-contract-starts/) - Once a contract has begun, most factors that decide IR35 status are already in place. That’s why the best time to protect your position is before you sign.
- [What Is IR35?](https://sg-accounting.co.uk/blog/what-is-ir35/) - This guide explains the IR35 rules, clarifies what is meant by inside/outside IR35, and outlines what you can and cannot influence during the process.
- [Can I reclaim expenses from before I formed my limited company?](https://sg-accounting.co.uk/blog/expenses-prior-to-forming-limited-company/) - Learn which pre-trading costs are tax-deductible, including insurance, stationery, and phone bills, and how to ensure proper record-keeping.
- [Getting a mortgage as a self-employed contractor](https://sg-accounting.co.uk/blog/getting-a-mortgage-as-a-self-employed-contractor/) - Are you a self-employed contractor? This article explores what is involved in applying for a mortgage, with some helpful hints and tips along the way.
- [What is Making Tax Digital?](https://sg-accounting.co.uk/blog/making-tax-digital-were-ready-are-you/) - Making Tax Digital (MTD) is transforming how UK businesses manage tax. Discover what MTD means, key deadlines, and how SG Accounting can support you.
- [What do your Limited Company’s annual accounts show you?](https://sg-accounting.co.uk/blog/what-do-your-limited-companys-annual-accounts-show-you/) - Learn what your limited company’s annual accounts include, why they matter, and how they can help you understand and grow your business.
- [How much can you claim for using your home as an office as a limited company director?](https://sg-accounting.co.uk/blog/how-much-can-you-claim-for-using-your-home-as-an-office-as-a-limited-company-director/) - Learn how limited company directors can claim home office expenses, including flat-rate and actual cost methods, while managing tax efficiently in 2025/26.
- [How to maximise your tax efficiency before tax year end 2026](https://sg-accounting.co.uk/blog/how-to-maximise-your-tax-efficiency-before-tax-year-end-5-april-2026/) - Maximise your tax efficiency before 5 April 2026 with year-end strategies for ISA allowances, pensions, dividends, and inheritance tax reliefs.
- [The key dates this tax year for Limited Company Directors](https://sg-accounting.co.uk/blog/key-dates-throughout-the-financial-year-for-limited-company-directors/) - A blog for UK limited company directors outlining all the key tax year deadlines and filing responsibilities with HMRC and Companies House.
- [What is your company yearend and what do you need to know?](https://sg-accounting.co.uk/blog/what-is-your-company-yearend-and-what-do-you-need-to-know/) - If you own a Limited Company you’ll need to complete your company yearend, but what exactly is it, and why do you need to complete one?
- [SG Accounting Celebrates Runner-up Recognition at the Contracting Awards 2025](https://sg-accounting.co.uk/blog/runner-up-at-the-contracting-awards-2025/) - SG Accounting celebrates being named Runner-Up at the 2025 Contracting Awards for Best Contractor Accountant, recognising our trusted team and valued clients.
- [Taking money from your Limited Company & how tax is affected](https://sg-accounting.co.uk/blog/taking-money-from-your-limited-company-and-the-associated-tax-implications/) - Discover how to withdraw funds from your Limited Company legally: director salaries, dividends, loans, and the paperwork that keeps HMRC happy.
- [Limited Companies: making tax efficient charitable donations](https://sg-accounting.co.uk/blog/how-to-make-tax-efficient-charitable-donations-through-your-limited-company/) - In this blog we'll cover the process of making charitable donations through your Limited Company and the tax benefits of doing so.
- [Should you opt-in or opt-out of The Agency Conduct Regulations?](https://sg-accounting.co.uk/blog/should-you-opt-in-or-opt-out-of-the-agency-conduct-regulations/) - As a Limited Company contractor, should you opt-in or opt-out of The Agency Conduct Regulations? In our blog we help you decide.
- [Are you entitled to childcare as a Limited Company contractor?](https://sg-accounting.co.uk/blog/are-you-entitled-to-childcare-when-contracting-through-your-limited-company/) - How does being a Limited Company contractor work when you’re a parent? In this blog, we explore your options for childcare and the available government support.
- [How do dividends for Limited Company owners work?](https://sg-accounting.co.uk/blog/a-complete-guide-to-dividends-for-limited-companies/) - This blog will provide you with an overview of what you need to know about dividends for Limited Company contractors.
- [Should you close your Limited Company using an MVL?](https://sg-accounting.co.uk/blog/should-you-close-your-company-using-an-mvl/) - In this blog we’ll cover the steps on how to close your Limited Company, including whether using an MVL is right for you.
- [The Spring Forecast 2026](https://sg-accounting.co.uk/blog/the-spring-forecast-2026/) - UK Spring Statement 2026: explore the key policies that could affect your business.
- [What announcements were made in the Autumn Budget 2025?](https://sg-accounting.co.uk/blog/autumn-budget-2025-summary/) - Discover the key announcements from the Autumn Budget 2025, including tax changes, business updates, and insights from SG on how they affect UK businesses.
- [ID Verification at Companies House – what you need to know](https://sg-accounting.co.uk/blog/id-verification-at-companies-house-what-you-need-to-know/) - From Nov 18, 2025, UK company directors & PSCs must verify their ID with Companies House. Learn deadlines, steps, and how SG Accounting can help.
- [How Associated Companies Affect Corporation Tax](https://sg-accounting.co.uk/blog/how-associated-companies-affect-corporation-tax-from-your-trading-company/) - Learn how associated companies affect Corporation Tax, small profits thresholds, and strategies to optimise tax for your trading companies.
- [The Tax Risks with Borrowing money from your Limited Company](https://sg-accounting.co.uk/blog/borrowing-money-from-your-limited-company-and-the-associated-tax-risks/) - We explore how to go about borrowing money from your Limited Company, what the associated tax risks are, and if there's anything you need to be aware of.
- [What is S455 tax?](https://sg-accounting.co.uk/blog/s455-tax-what-business-owners-need-to-know/) - Understand the implications of unpaid director’s loans, including S455 tax rates, repayment strategies, and HMRC regulations.
- [Can you claim free childcare whilst working through your Limited Company?](https://sg-accounting.co.uk/blog/can-you-claim-free-childcare-whilst-working-through-your-limited-company/) - In this blog we explore the world of free childcare, how to check your eligibility, and what the restrictions are when it comes to your earnings.
- [What are the 2026/27 tax year rates and allowances?](https://sg-accounting.co.uk/blog/what-are-the-2026-27-tax-year-rates-and-allowances/) - 2026/27 tax rates and allowances guide for the UK covering Income Tax bands, National Insurance thresholds, dividend tax rates and Corporation Tax.
- [Can I use company money to pay my personal mortgage? ](https://sg-accounting.co.uk/blog/can-i-use-company-money-to-pay-my-personal-mortgage/) - As a contractor you cannot use company money to pay your personal mortgage. There are however, a number of different options to explore.
- [Things to consider when making children shareholders](https://sg-accounting.co.uk/blog/things-to-consider-when-making-children-shareholders/) - If you run a limited company, you can make your children shareholders in the business. This post explores the things to consider when doing so.
- [Productivity apps for contractors](https://sg-accounting.co.uk/blog/productivity-apps-for-contractors/) - It seems like the term ‘productivity’ is the buzzword of the moment. Everyone wants to be more productive with their time. This led us to ask, what is productivity and why is it so important? The technical definition of productivity is “the rate of output per unit of input by a worker.” In layman’s terms,
- [Protect yourself from HMRC scammers](https://sg-accounting.co.uk/blog/protect-yourself-hmrc-scammers/) - Cybercriminals are using increasingly sophisticated methods to scam people into handing over their personal and bank details. According to the Citizens Advice Bureau around four million people are scammed each year in the UK. The scary thing is, this number is on the rise. From text messages to phishing emails here is what you need
- [Are you contracting in the public sector?](https://sg-accounting.co.uk/blog/contracting-public-sector/) - As you may have read in our Autumn Statement commentary, changes in April 2017 will mean that contractors working in the public sector will no longer have a say in their IR35 status. Instead the responsibility to determine IR35 status will rest with the public sector body. If the contractor is engaged via an agency
- [SG Accounting shortlisted for Best Contractor Accountant in the Contracting Awards 2019](https://sg-accounting.co.uk/blog/sg-accounting-shortlisted-for-best-contractor-accountant-in-the-contracting-awards-2019/) - SG Accounting are delighted to be shortlisted for the inaugural Contracting Awards 2019 in the Best Contractor Accountant category. A high number of nominations were received and, after being judged by the Contracting Awards panel, SG Accounting has made the final 5. When will the winner of the Contracting Awards be announced? The winner will
- [How to protect yourself and your business from HMRC tax scams in the UK](https://sg-accounting.co.uk/blog/protect-yourself-business-hmrc-tax-scams-uk/) - Protect yourself and your business from HMRC tax scams in the UK. Learn how to spot fake messages, avoid phishing, and report fraud safely.
- [The 10 best paying jobs for contractors](https://sg-accounting.co.uk/blog/10-best-paying-jobs-contractors/) - Ten best paying jobs for contractors. These are the top jobs that skilled contractors can earn the most money. Check our list and see what you could earn.
- [Overseas contracting: top things to remember when contracting abroad](https://sg-accounting.co.uk/blog/overseas-contracting/) - Contracting overseas is a great option for those wanting to leave the british weather behind, this post explores some important considerations.
- [SG are pleased to announce that our FCSA accreditation has been renewed for another year](https://sg-accounting.co.uk/blog/sg-are-pleased-to-announce-that-our-fcsa-accreditation-has-been-renewed-for-another-year/) - We've been accredited by the FCSA for another year! Take a look at our blog to find out more and why this is important to our clients.
- [Being paid by an umbrella company](https://sg-accounting.co.uk/blog/being-paid-by-an-umbrella-company/) - Thinking of working through an umbrella company? This article explains the benefits of working through an umbrella company and details how you’ll get paid.
- [Making Tax Digital - a contractor's look at when, where and how you'll be affected](https://sg-accounting.co.uk/blog/making-tax-digital-a-contractors-look-at-when-where-and-how-youll-be-affected/) - Making Tax Digital is the government’s plan to transform the tax system and move everything online. In our blog we explore what this means for contractors.
- [Coronavirus business support measures explained](https://sg-accounting.co.uk/blog/business-emergency-measures-announced/) - This guide covers all of the business support measures announced by Rishi Sunak in March and is being updated as and when new initiatives are launched or changes are made to existing ones. Please bookmark this page to keep up to date. Last updated 17th August 2020: Additions to Grants for the self-employed Contents Coronavirus
- [Sunak delivers Budget to meet ‘challenging times’](https://sg-accounting.co.uk/blog/sunak-delivers-budget-to-meet-challenging-times/) - Sunak delivers Budget to meet ‘challenging times’ Chancellor Rishi Sunak delivered his first Budget, and the first since the UK’s departure from the European Union, against the backdrop of the coronavirus outbreak. The Chancellor announced a £30 billion stimulus package to support the economy through coronavirus contagion and pledged to give the NHS whatever extra
- [Important IR35 update: be prepared for April 2020](https://sg-accounting.co.uk/blog/important-ir35-update-april-2020/) - What are the April 2020 IR35 changes? Know the steps that you can take to ensure your IR35 status is assessed fairly from April '20 onwards.
- [IR35 in the private sector: draft legislation announced](https://sg-accounting.co.uk/blog/ir35-in-the-private-sector-draft-legislation-announced/) - Contractors’ questions on the new ‘off payroll’ working reforms are beginning to be answered, as the government announces draft legislation for the Finance Bill 2019-2020. IR35 in the private sector, as it is commonly referred to, is due to take effect from 6th April 2020. It is important to note that this is not entirely
- [The £85,000 FSCS protection and how it applies to your ltd company bank account](https://sg-accounting.co.uk/blog/85000-fscs-protection/) - Any cash deposited with a bank or building society authorised by the Prudential Regulation Authority benefits from the Financial Services Compensation Scheme (FSCS).
- [Upskilling and CPD for contractors](https://sg-accounting.co.uk/blog/upskilling-and-cpd-for-contractors/) - Exploring the ways contractors can ensure that they are keeping on top of new skills and professional development.
- [Harnessing the power of client testimonials](https://sg-accounting.co.uk/blog/harnessing-the-power-of-client-testimonials/) - Testimonials are a great way to showcase the great work you have done, here are our top tips on how to harness the power of testimonials.
- [Strategies to generate leads as an IT Contractor](https://sg-accounting.co.uk/blog/strategies-to-generate-leads-as-an-it-contractor/) - In this blog we explore some of the best strategies for you to consider implementing to generate leads as an IT Contractor.
- [SG Accounting’s FCSA accreditation renewal 2025](https://sg-accounting.co.uk/blog/sg-accounting-is-fcsa-accredited-for-another-year/) - The whole team here at SG Accounting are proud to announce that our FCSA accreditation has been renewed for yet another year!
- [SG Accounting is FCSA accredited for another year running](https://sg-accounting.co.uk/blog/sg-accounting-is-fcsa-accredited-for-another-year-running/) - Here at SG Accounting we’re delighted to announce that our FCSA accreditation has been renewed for another year.
- [What to Do If You Can’t Pay HMRC: Expert Guidance from SG Accounting](https://sg-accounting.co.uk/blog/what-to-do-if-you-cant-pay-hmrc-expert-guidance-from-sg-accounting/) - Struggling to pay HMRC? Discover expert guidance, payment plan options, and support from SG Accounting to manage tax debts and protect your business.
- [Business Bank Account FAQs](https://sg-accounting.co.uk/blog/business-bank-account-faqs/) - Here are the most common questions we get asked about business bank accounts.
- [The importance of a work life balance for contractors](https://sg-accounting.co.uk/blog/importance-of-work-life-balance-contractors/) - The reason why some choose to become a self-employed contractor is that they want to achieve a better work-life balance. They are tired of being told when and where they must work. The idea behind becoming a contractor is that they have greater control and flexibility over the roles they take on. Contracting can offer
- [IR35 April 2021 – a reminder of what’s happening](https://sg-accounting.co.uk/blog/ir35-april-2021-a-reminder-of-whats-happening/) - IR35 - so what is changing, when is it proposed to happen and what do you need to do to prepare? In this blog we answer all those questions, and more.
- [IR35 April 2020 – essential FAQs](https://sg-accounting.co.uk/blog/ir35-april-2020-essential-faqs/) - Read our IR35 April 2020 essential FAQs for contractors for advice on the impact to contractors and actions that can be taken by contractors.
- [Spending Review and Autumn Statement 2015](https://sg-accounting.co.uk/blog/spending-review-and-autumn-statement-2015/) - The Chancellor gave his speech in the House of Commons today (25th November 2015) setting out his plans for the next few years and the current state of the economy. We were expecting some news for contractors and small businesses in relation to Travel and Subsistence claims and IR35 however there was no mention of
- [Buying a company car as a contractor](https://sg-accounting.co.uk/blog/buying-company-car-contractor/) - Contractors have the option of purchasing a company car through their limited company. Learn the tax implications and how a company car could benefit you.
- [Autumn Budget Report 2018](https://sg-accounting.co.uk/blog/autumn-budget-report-2018/) - Chancellor Philip Hammond presented this year’s Autumn Budget earlier than usual, due in part to the crucial final stages of the government’s Brexit talks with the EU. In our budget blog we provide an overview of the key announcements featuring in the Chancellor’s speech. The major change for contractors was the extension of the public sector
- [Is there a perfect time to become an IT contractor?](https://sg-accounting.co.uk/blog/is-there-a-perfect-time-to-become-an-it-contractor/) - As contractor accountants, we’re often asked the question, “Is there a perfect time to become an IT contractor?” Find out when the right time to start your contracting journey is.
- [Getting the rate you deserve - negotiating contract rates](https://sg-accounting.co.uk/blog/negotiating-contract-rates/) - IT contractors, are you getting the rate you deserve? This post explores how to negotiate the correct contract rate for your expertise.
- [Latest legislation affecting contractors](https://sg-accounting.co.uk/blog/latest-legislation-contractors/) - Contracting comes with lots of great benefits. We explore the latest legislation affecting contractors, including IR35, Loan Charge and GDPR.
- [Budgeting Tips for Contractors](https://sg-accounting.co.uk/blog/budgeting-tips-for-contractors/) - As a contractor, getting a contract is never guaranteed. Here are our top tips to help budget when you are unable to work or have a lack of contracts.
- [Contracting abroad – what to consider](https://sg-accounting.co.uk/blog/contracting-abroad/) - If you are a contractor whose skills are in high-demand, you may find yourself with an offer to work abroad. Here are the top things to consider beforehand.
- [Your contractor accounting glossary of terms](https://sg-accounting.co.uk/blog/your-contractor-accounting-glossary-of-terms/) - Demystify the world of contractor accounting with this jargon-busting contractor accounting glosasry of terms. Know your RTI from your PAYE!
- [Top-paying sectors and roles for contractors in 2019](https://sg-accounting.co.uk/blog/best-paying-contractor-roles/) - Are you a contractor or thinking of becoming a contractor? We explore the top paying contractor roles and sectors.
- [Budget 2021 – what does it mean for contractors?](https://sg-accounting.co.uk/blog/budget-2021-what-does-it-mean-for-contractors/) - What was announced in today's budget for contractors? Our blog covers everything you'll need to know.
- [How to improve cashflow in your contracting business](https://sg-accounting.co.uk/blog/how-to-improve-cashflow-in-your-contracting-business/) - According to research 8 out of 10 businesses fail within their first two years of operating. The number one reason is poor cashflow. The company could be making huge sales, but if their overheads are equally large or if their customers aren’t paying their invoices on time, the company could easily find themselves in financial
- [Coronavirus business support – FAQ](https://sg-accounting.co.uk/blog/coronavirus-business-support-faq/) - Answers to the questions we hear most from our limited compnay contractor clients. FAQs explaining the Coronavirus business support measures put in place by the government.
- [Mini Budget September 2022](https://sg-accounting.co.uk/blog/mini-budget-september-2022/) - September 23rd saw the mini budget deliver a major u-turn on the rules surrounding IR35, so what does this mean for contractors? Our blog reveals all.
- [The Autumn Budget 2024](https://sg-accounting.co.uk/blog/the-autumn-budget-2024/) - Forty billion pounds of tax rises represents one of the very largest tax rising Budgets outside of a time of recession, with Rachel Reeves announcing a compendium of changes aimed at businesses and higher tax payers. A penny off a pint and frozen fuel duty will be small comfort for some, with the following headlines
- [Introducing our latest SG Accountant – Frances Bridge](https://sg-accounting.co.uk/blog/introducing-our-latest-sg-accountant-frances-bridge/) - Introducing our latest Client Accountant, Frances Bridge. Specialising in contractors, Frances joins the SG team from Intouch Accounting.
- [Furlough scheme extended for November 2020](https://sg-accounting.co.uk/blog/furlough-job-scheme/) - Extended furlough and delayed Job Scheme - read more about it in our latest blog.
- [Furlough extended until March, Job Retention bonus scrapped](https://sg-accounting.co.uk/blog/furlough-extended-until-march-job-retention-bonus-scrapped/) - Furlough scheme extended to March 2021
- [Using your Limited Company abroad post-Brexit](https://sg-accounting.co.uk/blog/using-your-limited-company-abroad-post-brexit/) - What does Brexit mean for contractors using their Limited Company outside of the UK? In this blog we explore the way in which you can contract abroad, post-Brexit.
- [The VAT Deferral Scheme](https://sg-accounting.co.uk/blog/the-vat-deferral-scheme/) - The VAT deferral scheme is here to help you. In this blog we look at how it works, how you can register, and what the prerequisites are.
- [A guide to dividends and what you need to know as a Limited Company contractor](https://sg-accounting.co.uk/blog/a-guide-to-dividends-and-what-you-need-to-know-as-a-limited-company-contractor/) - Maximise your take home pay and increase your tax-efficiency, with our guide to dividends as a Limited Company contractor.
- [Seven top tips for Limited Company contractors to reduce your income tax bill in 2021](https://sg-accounting.co.uk/blog/seven-top-tips-for-limited-company-contractors-to-reduce-your-income-tax-bill-in-2021/) - We’re now well into the new tax year, and whilst tax might be at the back of your mind, it’s still well worth understanding its importance and how making it work in your favour could save you money. In this blog we explore the top seven things you can do to reduce your tax bill
- [Should you be doing ATED returns as a property investor?](https://sg-accounting.co.uk/blog/should-you-be-doing-ated-returns-as-a-property-investor/) - What is an ATED? An Annual Tax on Enveloped Dwellings (ATED) is an annual tax that’s payable by UK companies that own UK residential property with a value greater than £500,000. If your property satisfies one of the following criteria and you’re a UK landlord, you’ll need to complete an ATED return: If your property
- [A contractor’s guide to the announced dividend tax increase](https://sg-accounting.co.uk/blog/a-contractors-guide-to-the-announced-dividend-tax-increase/) - In this blog we explore the dividend tax increase, what’s been announced, when it’ll come into force, and how Limited Company contractors will be affected.
- [The Super-Deduction Tax Relief](https://sg-accounting.co.uk/blog/the-super-deduction-tax-relief/) - In this blog we explore the super-deduction tax relief, and how Limited Company contractors are entitled to an even greater value tax break.
- [The Budget October 2021](https://sg-accounting.co.uk/blog/the-budget-2021-how-limited-company-contractors-are-affected/) - The Government have delivered their Autumn Budget 2021. We reveal how Limited Company contractors are affected.
- [Electric cars – how much tax can you expect to pay?](https://sg-accounting.co.uk/blog/electric-cars-how-much-tax-can-you-expect-to-pay/) - What are your options when purchasing an electric car, and are there any attractive tax benefits? In this blog we explore just that.
- [The effects of the levy on dividend rates in April 2022 and how this affects small business owners](https://sg-accounting.co.uk/blog/the-effects-of-the-levy-on-dividend-rates-in-april-2022-and-how-this-affects-small-business-owners/) - The recently announced dividend tax rate rise that’ll come into force from April 2022 onwards will have an affect on Limited Company contractors, In our blog we reveal all.
- [A Limited Company Contractor's year-end tax checklist](https://sg-accounting.co.uk/blog/a-limited-company-contractors-year-end-tax-checklist/) - The end of this tax year is almost upon us, so now is the time to act and ensure you’ve done everything you can to reduce your tax bill.
- [The Spring Statement 2022 - what it holds for Limited Company contractors](https://sg-accounting.co.uk/blog/the-spring-statement-2022-what-it-holds-for-limited-company-contractors/) - In this blog our MD, Daniel Mepham, shares his thoughts from the March 2022 Spring Statement. A much anticipated Spring Statement was delivered on March 23rd by Chancellor, Rishi Sunak against a backdrop of war in Ukraine, post pandemic super spending and an ever increasing rate of inflation. With that in mind I was expecting
- [A Limited Company contractor's guide to getting paid your worth and negotiating your day rate](https://sg-accounting.co.uk/blog/a-limited-company-contractors-guide-to-getting-paid-your-worth-and-negotiating-your-day-rate/) - In this blog we take a look at the ways in which you can command the rate you deserve for your next contract, and beyond.
- [SG Accounting have been nominated in this year’s Contracting Awards!](https://sg-accounting.co.uk/blog/sg-accounting-have-been-nominated-in-this-years-contracting-awards/) - We are so pleased and proud to announce that SG Accounting has been nominated in this year’s Contracting Awards!
- [SG’s 7 top tips for Limited Company contractors to reduce your income tax bill in 2022](https://sg-accounting.co.uk/blog/sgs-7-top-tips-for-limited-company-contractors-to-reduce-your-income-tax-bill-in-2022/) - In this blog we explore the top 7 things you can be doing to reduce your income tax bill in 2022, and maximise your contractor take home pay.
- [Corporation Tax Rate increases in April 2023](https://sg-accounting.co.uk/blog/sgs-tips-on-getting-ready-for-the-corporation-tax-rate-increases-in-april-2023/) - There's an increase in Corporation Tax from April 2023, so how much will this ultimately cost you and your business?
- [BREAKING NEWS - Repeal of IR35 reforms and back track on Corporation Tax](https://sg-accounting.co.uk/blog/breaking-news-repeal-of-ir35-reforms-and-back-track-on-corporation-tax/) - IR35 reform has been scrapped. Take a look at our blog for the latest news from Jeremy Hunt.
- [The Autumn Statement 2022 Full Report - what it means for Limited Company contractors](https://sg-accounting.co.uk/blog/the-autumn-statement-2022-what-it-means-for-limited-company-contractors/) - The Autumn Statement 2022, how does it affect Limited Company contractors? Our blog takes a look at the headlines.
- [How to maximise your tax efficiency before tax year end 5 April 2023](https://sg-accounting.co.uk/blog/how-to-maximise-your-tax-efficiency-before-tax-year-end-5-april-2023/) - Allowable expenses Claim all of your allowable expenses – you can read our expenses guide here Ensure paid invoices have been recorded – chase those you’re still awaiting payment for Keep receipts 6 years after accounting period ISAsUse your ISA allowance£20,000 taxed at 0% per year £9,000 for junior ISAs (JISAs) If you have a
- [The Spring Budget 2023](https://sg-accounting.co.uk/blog/the-spring-budget-2023/) - How did today's Spring Budget 2023 affect Limited Company contractors? Our blog has the headlines you'll need to know.
- [Your first year as an IT Contractor – riding out the early months to success](https://sg-accounting.co.uk/blog/your-first-year-as-an-it-contractor/) - So you've taken the leap into contracting as an IT contractor - congrats! Let us take you through your first year, to help you become a success.
- [The SG Team's skydive raises an incredible amount for Dorset Mind](https://sg-accounting.co.uk/blog/the-sg-teams-skydive-raises-an-incredible-amount-for-dorset-mind/) - We did it! SG raised a whopping £4,000 for Dorset Mind, by jumping 15,000 feet out of an airplane.
- [What's the difference between a Sole Trader and a Limited Company?](https://sg-accounting.co.uk/blog/limited-company-vs-sole-trader-everything-you-need-to-know-about-sole-traders/) - In this blog we explore the main differences between setting up as a Limited Company vs Sole Trader, to help you decide the right path when first starting out.
- [2024/25 tax year rates and allowances](https://sg-accounting.co.uk/blog/2024-25-tax-changes-rates/) - Take a look at our infographic for the 2024/25 tax rate changes.
- [What are the differences between leasing and hire purchase, and how much tax can you expect to pay on electric cars?](https://sg-accounting.co.uk/blog/electric-car-tax-how-much-can-you-expect-to-pay-and-the-differences-between-leasing-and-hire-purchase/) - In this blog we explore electric car tax when buying outright, leasing and hire purchase.
- [What are the changes for the Employer’s National Insurance rate for 2025/26?](https://sg-accounting.co.uk/blog/the-employers-national-insurance-rate-increase/) - The Employer's National Insurance rate increase is almost here. This blog covers the key things to be aware of for the fast-approaching 2025/26 tax year.
- [What announcements were made in the Spring Statement 2025?](https://sg-accounting.co.uk/blog/spring-statement-2025/) - Chancellor of the Exchequer, Rachel Reeves, held the Spring Statement on Wednesday 26 March 2025. In the run up to the event, the Chancellor stated that she ‘remains committed to one major fiscal event a year to give families and businesses stability and certainty on upcoming tax and spending changes and, in turn, to support
- [Do you owe tax on cryptocurrency in the UK?](https://sg-accounting.co.uk/blog/do-you-owe-tax-on-cryptocurrency-in-the-uk/) - Read our blog to find out how tax on cryptocurrency works and how we can help you navigate your tax situation.
- [What are the benefits of appointing a specialist accountant?](https://sg-accounting.co.uk/blog/the-benefits-of-appointing-a-specialist-accountant/) - In this blog, we’ll cover the main advantages of appointing a specialist accountant, to help free you up to run your business successfully.
- [The Budget 2024](https://sg-accounting.co.uk/blog/the-budget-2024/) - Chancellor Jeremy Hunt has just finished delivering his Spring Budget 2024, in which he said the Conservatives have a plan to ‘grow the economy’. He confidently stated that his Budget will “unleash people power and put this country back on the path to lower taxes. Growth up, jobs up, taxes down.” Property tax – The
- [How can I carry out a credit check on my customers?](https://sg-accounting.co.uk/blog/how-can-i-carry-out-a-credit-check-on-my-customers/) - Many people love the idea of running their own business but are concerned about the stability of self-employment. In theory, it should be simple; you do the work, you invoice your customer and they pay you. But there may be times when you come across a customer who says they aren’t in a position to
- [Your guide to Contractor Mortgages](https://sg-accounting.co.uk/blog/mortgages-for-contractors/) - As a contractor, getting a mortgage offer can be complicated because as a self-employed contractor, you don’t have what some banks/lenders view as a ‘stable-income’. Read this guide for tips on how best to secure the mortage you need.
- [Economy rebuild measures announced](https://sg-accounting.co.uk/blog/economy-rebuild-measures-announced/) - The government today announced what they refer to as their next step in rebuilding the economy. Their focus is very much around preventing unemployment whilst gradually stopping the furlough scheme, boosting the hospitality sector and kick starting the housing market. The measures announced are: Furlough bonus £1,000 bonus for keeping furloughed staff until January 2021
- [Finding the right contractor accountant for you](https://sg-accounting.co.uk/blog/finding-the-right-contractor-accountant-for-you/) - Is your contractor accountant guilty of these top 5 bad behaviours? If so, it's time to look elsewhere. Swap poor service for perfection!
- [Coronavirus business support measures](https://sg-accounting.co.uk/blog/coronavirus-jobs-support-scheme/) - Rishi Sunak today announced that the government will cover up to two thirds of workers’ wages if their hours have been reduced due to the coronavirus pandemic. It is hoped that the ‘Jobs Support Scheme’ will help to reduce the millions of job losses expected when the furlough scheme ends on October 31st 2020. Announced
- [IR35 April 2021 – essential FAQs](https://sg-accounting.co.uk/blog/ir35-faqs/) - IR35 changes are just around the corner. Be ready with our essential FAQs.
- [What are your options when working inside IR35?](https://sg-accounting.co.uk/blog/what-are-your-options-when-working-inside-ir35/) - What will happen if you’re found inside IR35 come April 2021? We look at the possibilities, along with how your take home pay could be affected.
- [The Autumn Statement 2023](https://sg-accounting.co.uk/blog/the-autumn-statement-2023/) - Autumn Statement 2023 - Our initial reaction to the announcements and how they will affect business owners.
- [How to maximise your tax efficiency before tax year end 5 April 2024](https://sg-accounting.co.uk/blog/how-to-maximise-your-tax-efficiency-before-tax-year-end-5-april-2024/) - Maximise your tax efficiency before the new tax year, by ensuring all of your allowances have been used. Take a look how to in our blog.
- [HMRC’s Crypto tax nudge letters](https://sg-accounting.co.uk/blog/hmrcs-crypto-tax-nudge-letters/) - In this blog we explore the world of crypto HMRC ‘nudge’ letters, and what you should do if you get one.
- [Response to the Summer Budget](https://sg-accounting.co.uk/blog/response-summer-budget/) - Yesterday's Summer Budget has mixed news for contractors and small businesses but as always the devil is in the detail and after reading through the budget documents last night the detail is not all there yet (despite being 123 pages!). The budget is a top level proposal and nothing will be enacted until it is
- [It’s our 20th Birthday!](https://sg-accounting.co.uk/blog/its-our-20th-birthday/) - We are 20 years old this year and over that time have seen many changes to the way in which contractors and small businesses operate and we are pleased to say that many of our clients still remain from those early years. We decided our website and branding was starting to look a bit tired
- [Welcome to Our New Director](https://sg-accounting.co.uk/blog/welcome-to-our-new-partner/) - Richard and Sarah have been joined by Dan Mepham as a Director in the business. Dan was previously a Director at a large national firm of accountants and specialised in helping contractors and consultants working through a limited Company. Dan knows the contractor space inside out, regularly contributing to technical articles for contractor websites and
- [Our Services](https://sg-accounting.co.uk/blog/our-services/) - We sent out a survey at the beginning of the year and had some really great feedback. Over half of clients responded, so thank you very much if you did. 95% of clients who responded were either very satisfied or somewhat satisfied with our service. We also asked for your feedback on what other services
- [Self assessment tax return submissions](https://sg-accounting.co.uk/blog/self-assessment-tax-return-submissions/) - You may have seen in the press or on the TV a couple of months ago, news stories that implied that it would be easy to get out of paying an automatic £100 minimum penalty for the late filing of a self assessment tax return. The background to the initial news stories was the leaking
- [Changes to the taxation of dividends](https://sg-accounting.co.uk/blog/changes-to-the-taxation-of-dividends/) - In the Summer 2015 Budget, George Osborne announced changes to the way in which dividends are taxed. The changes take place for dividends received from 6 April 2016. Some individuals who extract profits from their company as dividends may need to consider whether to increase dividend payments before this date. When a dividend is paid
- [Contractor loan schemes](https://sg-accounting.co.uk/blog/contractor-loan-schemes/) - If it sounds too good to be true it normally is! George Osborne announced in the Summer Budget there would be more funds available to HMRC to counter tax avoidance schemes (high profile cases such as Jimmy Carr and Chris Moyles have brought this into the public eye more and more). Contractors using offshore loan schemes
- [Maximising tax relief for two homes](https://sg-accounting.co.uk/blog/maximising-tax-relief-for-two-homes/) - The UK tax regime provides an important relief from the capital gains tax charge (CGT) on the gains made by owner-occupiers on the sale of their private homes. This is known as Principal Private Residence relief (PPR). The general principle is that only one home can count as a PPR at any one time. However
- [Changes in Dividend Taxes from April 2016](https://sg-accounting.co.uk/blog/changes-dividend-taxes-april-2016/) - From 6 April 2016 there are changes to the way in which dividends will be taxed. The complicated 10% tax credit system is being removed so all dividends will be paid net and new rates will be introduced to tax the dividends received in the year.
- [Chancellor presents a ‘next-generation Budget’](https://sg-accounting.co.uk/blog/chancellor-presents-next-generation-budget/) - What does it mean for contractors and small businesses? There is more information in the following pages but the main areas of interest for contractors and small businesses are as follows
- [Autumn 2016 Statement](https://sg-accounting.co.uk/blog/autumn-2016-statement/) - Philip Hammond has just delivered his first Autumn Statement and announced a whole raft of changes in government policy ranging from Research and Development incentives to help bridge the "productivity gap" to a £7.6m grant to save Wentworth Woodhouse – the inspiration for Pemberley in Jane Austen’s Pride & Prejudice. So, what do you need
- [Autumn Statement 2016 More Information](https://sg-accounting.co.uk/blog/autumn-statement-2016-information/) - Chancellor pledges post-Brexit economy ‘that works for everyone’ The new Chancellor of the Exchequer, Philip Hammond, acknowledged ‘sharp challenges ahead’ for the economy as he presented his first major fiscal statement, exactly five months after the UK’s historic vote to leave the European Union. The latest forecasts from the Office for Budget Responsibility confirmed an
- [Dealing with distractions](https://sg-accounting.co.uk/blog/dealing-with-distractions/) - Research suggests that when we are distracted from a piece of work it takes between 10 and 15 minutes to get back to that point of focus afterwards.
- [Inheritance tax receipts continue to rise](https://sg-accounting.co.uk/blog/inheritance-tax-receipts-continue-rise/) - Latest figures from HMRC reveal a 22% increase in inheritance tax (IHT) receipts in the 2015/16 tax year. This is a significant uplift from the average 12% annual increases that have been experienced since 2010.
- [Autumn Budget 2017](https://sg-accounting.co.uk/blog/autumn-budget-2017/) - Philip Hammond delivered his Budget today after much speculation. All in all it was a pretty underwhelming budget speech and “red book”. All those rumours of immediate roll out of the public sector IR35 reforms to the private sector, reduction in VAT registration threshold, stamp duty increases and dividend tax changes all turned out to
- [Detailed Autumn Budget Report 2017](https://sg-accounting.co.uk/blog/detailed-autumn-budget-report-2017/) - This Report, which was written immediately after the Chancellor of the Exchequer delivered his Budget Speech, is intended to provide an overview of the latest announcements and recent measures most likely to affect you or your business. The 2017 Autumn Budget represents the first step in the government’s new Budget regime, which sees the main
- [Demystifying Corporation Tax](https://sg-accounting.co.uk/blog/demystifying-corporation-tax/) - Contractor working through their own Limited Companies must pay a range of different taxes. This article is designed to help reduce the confusion that can surround Corporation Tax. We explain who has to pay it, how it is calculated and when it is due.
- [Recent tax changes for IT Contractors](https://sg-accounting.co.uk/blog/recent-tax-changes-contractors/) - The IT contracting sector is booming at the moment, particularly in the area of Cybersecurity and GDPR. If you are looking to enter into the IT contractor market for the first time or are looking to re-enter it following a period of leave, we discuss the tax changes that are currently affecting IT contractors. IR35
- [IR35 Advice for Contractors](https://sg-accounting.co.uk/blog/ir35-advice-for-contractors/) - If you are already a contractor or are planning on becoming one soon, as well as understanding the UK tax system, you must also acquaint yourself with IR35. Find out what it is and what it could mean for you.
- [Ask an Expert: What You Need to Know About Expenses](https://sg-accounting.co.uk/blog/ask-an-expert-expenses/) - As a contractor working through my own limited company, can I claim for business expenses? What expenses can I claim for? Learn from our expert accountants about ‘allowable expenses’ and what you can claim for.
- [Life as an IT Contractor](https://sg-accounting.co.uk/blog/life-as-an-it-contractor/) - Do you find yourself sitting and looking at your screen dreaming of what it would be like to ‘go it alone’ and become a contractor? If this sounds like you – dream no more! This article gives you a snapshot of what life is like as an IT contractor.
- [Pensions and Tax Advice for Contractors](https://sg-accounting.co.uk/blog/pensions-tax-advice-contractors/) - As a contractor, you pay tax on your income. By putting some of this money into a pension, you pay less tax. Find out the rules and get advice on saving money for the future.
- [Latest legislation 2018: How will it impact you?](https://sg-accounting.co.uk/blog/latest-legislation-2018-impact/) - The world of contracting is ever changing. This week’s article discusses some of the changes to legislation that are occurring from the 6th of April that contractors or owners of limited companies need to be aware of.
- [Switching Contractor Accountants](https://sg-accounting.co.uk/blog/switching-contractor-accountants/) - There may be a time soon when you feel the need to find a new accountant. Over our 20 years, we’ve welcomed onboard lots of contractors. We’ve put together our top advice that will help you switch contract accountants with ease.
- [5 top tips to organise your company costs and expenses](https://sg-accounting.co.uk/blog/5-top-tips-organise-company-costs-expenses/) - Working as a contractor may be new to you, or it may be something that you have been doing for a while. One of the most important things to do is organising your limited company expenses and costs. To help you keep everything ‘ship-shape’, here are our 5 top tips for organising your costs and expenses.
- [What does an accountant do?](https://sg-accounting.co.uk/blog/what-does-an-accountant-do/) - A lot of contractors we’ve talked to over the last 20 years have told us one of the things that has made their lives easier has been finding an experienced contractor accountant. We’ve even been described as a contractors’ ‘best friend’. Maybe that’s a little OTT, but we do like to see ourselves as more
- [Understanding your contract – what to look out for](https://sg-accounting.co.uk/blog/understanding-your-contract/) - So, you’ve decided that you want to become a contractor. Your next step will be to decide how you are going to operate as a contractor. Two of the options available is through a limited company or via an umbrella company. Working through your own limited company continues to be the most tax efficient route
- [Don't get caught out by IR35 in 2018](https://sg-accounting.co.uk/blog/dont-get-caught-out-by-ir35-2018/) - IR35 is a complex piece of legislation for contractors. To help you from getting caught out by IR35 in 2018, we’ll briefly discuss what the Intermediaries Legislation entails, the changes that are taking place and why it’s important for you to stay on top of your IR35 knowledge.
- [Fuel efficient cars for contractors](https://sg-accounting.co.uk/blog/fuel-efficient-cars-contractors/) - As a contractor who operates through a limited company and who uses your own vehicle to travel to your clients’ office, you should be used to claiming for mileage expenses. With the fluctuating fuel costs, you may have noticed that your fuel bills have been steadily increasing. If you are looking to spend less on
- [The difference between an Umbrella and a Limited Company](https://sg-accounting.co.uk/blog/umbrella-limited-company-differences/) - If you are thinking of becoming a contractor but are unsure how, learn how to get started with an umbrella company or a limited company.
- [What to consider when choosing a business bank account](https://sg-accounting.co.uk/blog/choosing-business-bank-account/) - Are you a contractor forming a limited company? Here is what you need to consider when finding the best business bank account for your limited company.
- [Bookkeeping tips for contractors](https://sg-accounting.co.uk/blog/bookkeeping-tips-contractors/) - Bookkeeping is the cornerstone of accounting. Get it wrong and not only could you be in trouble with HMRC, but you could misjudge the financial position of your limited company. In this article, we discuss the integral role that bookkeeping plays in a business and we lay out our top contractor bookkeeping tips. Pay attention
- [Flat Rate Scheme: What to do if you are on the wrong trade sector](https://sg-accounting.co.uk/blog/flat-rate-scheme-wrong-trade-sector/) - The VAT Flat Rate Scheme simplifies calculating VAT returns. But, choosing the right trade sector is not always straightforward and could cost you money...
- [How to write the perfect invoice](https://sg-accounting.co.uk/blog/how-to-write-perfect-invoice/) - How do you write the perfect invoice as contractor? Follow our list of sections to always include in an invoice to your client.
- [Best pension plans for contractors](https://sg-accounting.co.uk/blog/best-pension-plans-for-contractors/) - Contractor pension plans: there are two types of contractor pension in this article, find out the best pension plan for your situation as a contractor.
- [5 reasons to love being an IT contractor](https://sg-accounting.co.uk/blog/5-reasons-love-being-it-contractor/) - What are the benefits of being an IT contractor? Longer holidays, freedom to work whenever? Find the top 5 reasons why you'll love being an IT contractor.
- [Do I need an accountant as a contractor working through my limited company?](https://sg-accounting.co.uk/blog/accountants-for-contractors-working-through-limited-company/) - Do you need an accountant as an independent IT contractor? This post explores the advantages of hiring an experienced contractor accountant.
- [The Budget 2018: here’s what you need to know](https://sg-accounting.co.uk/blog/the-budget-2018-heres-what-you-need-to-know/) - The Chancellor, Philip Hammond stood up at 3.30 pm on Monday 29th October to make his third budget speech and more importantly his last one before the UK leaves the EU. We’ve worked our way through his lengthy list of announcements and picked out the key points that as a contractor you need to be
- [Pensions for contractors with limited companies](https://sg-accounting.co.uk/blog/pensions-for-contractors-with-limited-companies/) - The earlier that you start planning for retirement, the better. We evaluate the ways in which you can start saving now to enjoy your future years.
- [Private sector IR35 reform – what it means for contractors](https://sg-accounting.co.uk/blog/private-sector-ir35-reform-what-it-means-for-contractors/) - We discuss what the IR35 reform means for contractors, discusing who will this affect and what it means for contractors working through a limited company.
- [Late payments: what are your rights?](https://sg-accounting.co.uk/blog/late-payments-what-are-your-rights/) - Working in the service industry means that at points you will encounter a client who fails to pay your invoice on time, here is our guide to your rights.
- [Making tax digital from April 2019](https://sg-accounting.co.uk/blog/making-tax-digital-from-april-2019/) - From 1st April 2019 HMRC requires businesses for whom VAT returns are mandatory file their returns in line with the new Making Tax Digital requirements.
- [Contractors in 2019: Trends to look out for in 2019](https://sg-accounting.co.uk/blog/contractors-in-2019-trends-to-look-out-for-in-2019/) - A summary of a number of changes to tax regulations to be aware of during 2019 and beyond, including 2019 loan charge, Making tax digital & Dividend tax.
- [Is my private limited company IR35 compliant?  ](https://sg-accounting.co.uk/blog/is-my-private-limited-company-ir35-compliant/) - One of the most complex areas of tax for contractors is the Intermediaries Legislation, otherwise known as IR35. This post explores IR35 compliancy factors.
- [2019 Loan Charge](https://sg-accounting.co.uk/blog/2019-loan-charge/) - Changes on outstanding disguised remuneration loans take effect in April 2019, This post explores low down on everything you need to know.
- [Our Managing Director’s take on the Spring Statement](https://sg-accounting.co.uk/blog/our-managing-directors-take-on-the-spring-statement/) - The Chancellor has said before that the Spring Statement would be more of a fiscal state of the nation than an opportunity to announce new legislation but with the backdrop of the Brexit vote defeat last night and further votes happening over the next couple of days it could well have been a case of
- [Making a will as a contractor](https://sg-accounting.co.uk/blog/making-a-will-as-a-contractor/) - 60% of UK adults do not have a will, this article explains what a will is, why it’s important to have one and the process of making a will as a contractor.
- [What pensions can I get as a self-employed contractor?](https://sg-accounting.co.uk/blog/what-pensions-can-i-get-as-a-self-employed-contractor/) - It’s simple, all the healthy food we’re consuming and the hours of exercise we’re doing is making us live longer. According to the Office of National Statistics, the life expectancy for a man in the UK is 79.2 years, and for a woman, it’s 82.9 years. Whether you choose to spend your later years cruising
- [Research and Development tax credits explained](https://sg-accounting.co.uk/blog/research-and-development-tax-credits-explained/) - R&D Tax credits are available to companies involved in technoogical and scientific development, this posts explores what you should know.
- [CV advice you really need as a contractor](https://sg-accounting.co.uk/blog/cv-advice-you-really-need-as-a-contractor/) - Need CV advice? We’ve spent time searching different sources and talking to experts to bring you the CV advice you need as a contractor.
- [How to generate leads as a contractor](https://sg-accounting.co.uk/blog/how-to-generate-leads-a-contractor/) - If your struggling for leads as a contractor, we have devised a list of methods to help you generate IT Contracting leads.
- [Should IT contractors have their own website?](https://sg-accounting.co.uk/blog/contractor-websites/) - Should contractors have their own website? This post explores why having a website is a good idea, and the costs and steps involved.
- [Tips on how to use LinkedIn for your contracting services](https://sg-accounting.co.uk/blog/tips-on-how-to-use-linkedin-for-your-contracting-services/) - LinkedIn is a great platform for contractors to be on as they can use to it to find roles and promote their contracting services.
- [Top tips for dealing with stress an IT contractor](https://sg-accounting.co.uk/blog/top-tips-for-dealing-with-stress-an-it-contractor/) - IT contracting can mean you work long hours to meet tight deadlines and this can be stressful, we share our top tips on dealing with stress.
- [Surviving your first year as a contractor](https://sg-accounting.co.uk/blog/surviving-your-first-year-as-a-contractor/) - The first year of working as a contractor is always the hardest. To help here are some things you need to consider when starting out.
- [Contracting abroad: Why professional advice is a must](https://sg-accounting.co.uk/blog/contracting-abroad-why-professional-advice-is-a-must/) - If your thinking of contracting abroad it’s vital that you get professional advice from an experienced contractor accountant, as contracting abroad can be complex.
- [Freelancing from a coworking space – could it work for you?](https://sg-accounting.co.uk/blog/freelancing-from-a-coworking-space/) - Coworking spaces are becoming more of a popular option nowadays, could working in a coworking space as an IT contractor work for you?
- [Thinking about changing your company car? Why waiting until 2020 could be a good idea](https://sg-accounting.co.uk/blog/thinking-about-changing-your-company-car-why-waiting-until-2020-could-be-a-good-idea/) - If you’re thinking of purchasing an environmentally friendly company car through your limited company, you may be better off waiting until 2020.
- [Grants and loans available to contractors](https://sg-accounting.co.uk/blog/grants-and-loans-available-to-contractors/) - There are a number of grants and loans available to contractors, this post explores what is available for new and existing contractors.
- [Charging interest on late payments](https://sg-accounting.co.uk/blog/charging-interest-on-late-payments/) - The cost of late-paying clients to contractors can be worrying, but there are steps you can take if you are experiencing late paying clients.
- [Top tips for getting a mortgage when self-employed](https://sg-accounting.co.uk/blog/top-tips-for-getting-a-mortgage-when-self-employed/) - Think it is difficult to get a mortgage as a contractor? Our top tips help you to get on the property ladder.
- [Claiming interest on buy-to-let mortgages as a contractor](https://sg-accounting.co.uk/blog/claiming-interest-on-buy-to-let-mortgages-as-a-contractor/) - Anyone who has rental property or works in tax will know about the relatively recent changes HMRC have made to how landlords are allowed to claim the interest on their mortgages. See below: % of Mortgage Interest can be deducted from profits % available as a basic rate deduction Prior Years 100% 0% 2017-18 75%
- [Could you benefit from the Rent a Room scheme? ](https://sg-accounting.co.uk/blog/could-you-benefit-from-the-rent-a-room-scheme/) - Having a spare room in your house might give you opportunity to make some spare cash, the rent a room scheme enables tax free income.
- [How are Director’s Loans taxed?](https://sg-accounting.co.uk/blog/how-are-directors-loans-taxed/) - A Director’s Loan can be taken when you need money to cover a personal expense, there are no rules detailing what the money can be used for, but there are strict rules governing what taxes are due.
- [FCSA accreditation for SG Accounting and SG Umbrella](https://sg-accounting.co.uk/blog/fcsa-accredited/) - FCSA Accreditation awarded to SG Accounting and SG Umbrella proving high standards of compliance, operations, policies and procedures
- [Can I furlough myself as a Limited Company Contractor?](https://sg-accounting.co.uk/blog/coronavirus-job-retention-scheme-for-contractors/) - Furloughing Coronavirus business support measures for Limited Company contractors explained. More about Covid-19 job retention scheme.

## Pages

- [Home](https://sg-accounting.co.uk/) - SG Accounting - Specialist accounting services for Limited, Sole Trader and Partnership options. No switching or set-up fees. Add on services you need.
- [Our Offers](https://sg-accounting.co.uk/prices/offers/) - Three months half price plus no catch-up fees for switchers. Free company incorporation and registered office address.
- [Refer a friend 2025](https://sg-accounting.co.uk/clients/refer-a-friend/) - Specialist contractor and small business accounting services. Refer a friend and get £100 credit.
- [Making Tax Digital](https://sg-accounting.co.uk/clients/making-tax-digital/) - MTD ITSAMaking Tax Digital for Income Tax – what it means for you and how we can helpFrom April 2026, many self-employed individuals and landlords will need to follow new digital reporting rules. We’ll guide you through everything, set up the right software, and handle your quarterly submissions – keeping you compliant with HMRC. What
- [Simple Accounting for Sole Traders](https://sg-accounting.co.uk/simple-accounting-for-sole-traders/) - Simplify your sole trader accounting with SG Accounting. Enjoy hassle-free services, expert tax advice, and FreeAgent software for just £49 + VAT/month.
- [Limited Company Accountants for Contractors](https://sg-accounting.co.uk/limited-company-accountants-for-contractors/) - Simplify your contractor journey with SG Accounting. Enjoy FreeAgent software, unlimited tax advice, and a personal accountant—all with no hidden fees.
- [About Us](https://sg-accounting.co.uk/about-sg-accounting/) - About SG Accounting: Established in 1995, we help contractors and small businesses with all their accounting needs.
- [FreeAgent](https://sg-accounting.co.uk/freeagent/) - HomeFreeAgentFreeAgent accounting software, included with SG AccountingWe make managing your finances simple and stress free. Every SG Accounting package includes FreeAgent, a leading choice for FreeAgent accountant UK services, trusted by small businesses and contractors nationwide. Trustpilot What is FreeAgent?FreeAgent is an award winning contractor accounting software built for small businesses, freelancers, and limited company
- [Reviews](https://sg-accounting.co.uk/about-sg-accounting/reviews-and-testimonials/) - SG Accounting reviews - find out from real clients why they love our 5 star service, and why we're rated excellent on Trustpilot
- [Umbrella Payroll service for temporary workers](https://sg-accounting.co.uk/umbrella-payroll-service-for-temporary-workers/) - SG Umbrella offers a flexible payroll service for contractors. Experience quick onboarding, direct expert support & seamless switching between employment types.
- [Accounting Prices](https://sg-accounting.co.uk/prices/) - Our monthly business accounting packages are all-inclusive with extras where you need them. FreeAgent and unlimited tax advice included. No minimum contract.
- [Frances Bridge](https://sg-accounting.co.uk/about-sg-accounting/meet-the-team/frances-bridge/) - Since becoming an accountant in 2012, Frances particularly enjoys building relationships with her clients, and helping them make the most from their finances.
- [Dean Lacey](https://sg-accounting.co.uk/about-sg-accounting/meet-the-team/dean-lacey/) - Specialising in contractor accounting since 2010, he particularly enjoys building client confidence in managing their own tax affairs.
- [Niamh Potter](https://sg-accounting.co.uk/about-sg-accounting/meet-the-team/niamh-potter/) - Niamh enjoys building strong relationships with clients and providing practical guidance to help them run their limited companies as efficiently as possible.
- [Alex Gould](https://sg-accounting.co.uk/about-sg-accounting/meet-the-team/alex-goulds/) - Specialising in the needs of Limited Company contractors, Alex Gould enjoys overcoming the challenges his clients face on a daily basis.
- [Guides](https://sg-accounting.co.uk/guides/) - Your guides to contracting and running a small business. From expenses to dividends, you can read it all here.
- [Contractor Accounting Contractor UK](https://sg-accounting.co.uk/contractor-accounting-contractoruk-partner/) - Specialist contractor accounting services with Limited and Umbrella Company included. No switching or set-up fees. All inclusive packages.
- [Contact us](https://sg-accounting.co.uk/contact/) - Contact SG Contractor Accounting today. We would love to help you on your contracting journey. Ask us anything - we'd love to talk.
- [Privacy Policy](https://sg-accounting.co.uk/privacy-policy/) - Your privacy is important to SG Accounting. This privacy statement provides information about the personal information that SG Accounting collects.
- [Cookie Policy](https://sg-accounting.co.uk/cookie-policy/) - Learn how SG Accounting uses cookies, including Google Analytics, and how you can manage or disable cookies in your browser settings.
- [Business Insurance](https://sg-accounting.co.uk/business-insurance/) - Bespoke business insurance for contractors and small businesses. All inclusive, great value packages with everything you need and nothing you don't.
- [Careers](https://sg-accounting.co.uk/about-sg-accounting/careers/) - At SG Accounting, we’re always on the lookout for great people to join our team. We offer a range of fantastic benefits to all our employees.
- [Business Banking Solutions](https://sg-accounting.co.uk/business-banking-solutions/) - Business banking solutions made simple. Business bank accounts for contractors and small business owners - what do you need to know?
- [Meet the Team](https://sg-accounting.co.uk/about-sg-accounting/meet-the-team/) - Meet the SG Accounting team here. Experienced, professional and friendly. All clients are allocated their own client director.
- [Terms and Conditions](https://sg-accounting.co.uk/sg-accounting-terms-and-conditions/) - Terms and ConditionsWho we are acting for We are acting for you, the client identified above, only. If you would like us to act for any other parties this must be agreed and confirmed in writing prior to commencement of services. Period of engagement This engagement will start on receipt of your authority. The first
- [3 months free Fee Protection Cover](https://sg-accounting.co.uk/3-months-free-fee-protection-cover/) - Get 3 months free Fee Protection Cover when you join SG Accounting.
- [IT Security Policy](https://sg-accounting.co.uk/it-security-policy/) - By using this website and agreeing to this policy, you consent to SG Accounting's use of cookies in accordance with the terms of this policy.
- [Thank you for getting in touch](https://sg-accounting.co.uk/contact/thank-you/) - Thank you. We’ll be in touch shortly.We’ll give you a call very shortly to discuss your requirements – please look out for our call and also add newbusiness@sg-accounting.co.uk to your safe sender list so we don’t end up in your spam! Want to speak to someone straight away?Call us now on 01962896968
- [Crypto Tax](https://sg-accounting.co.uk/crypto-tax/) - Crypto tax returns and expert advice - we’ll look at your entire tax situation alongside your crypto assets to find the most tax efficient position.
- [Contractor Accounting](https://sg-accounting.co.uk/contractor-accounting/) - Specialist contractor accounting services with Limited and Umbrella Company included. No switching or set-up fees. All inclusive packages.
- [Limited or Umbrella?](https://sg-accounting.co.uk/limited-or-umbrella/) - Limited Company or Umbrella Company? Find out which business model is right for you based on your contracting needs.
- [IRIS OpenSpace](https://sg-accounting.co.uk/iris-openspace/) - IRIS OpenSpaceIRIS OpenSpace is accounting document management software that lets you sign, seal, and share accounting documents from anywhere. Log into your accountWelcome to Tax Hub – Powered by IRIS OpenSpace – our secure, cloudbased document management platform.With OpenSpace, you can exchange, review, and sign documents anytime, anywhere, without installing software. This guide will take
- [IRIS OpenSpace](https://sg-accounting.co.uk/iris-openspace-faqs/) - Financial services for contractors and small businesses. Bespoke mortgages, pensions and insurances.
- [Contractor Accounting](https://sg-accounting.co.uk/contractor-accounting-1/) - Specialist contractor accounting services with Limited and Umbrella Company included. No switching or set-up fees. All inclusive packages.
- [Contractor Accounting Free-Work](https://sg-accounting.co.uk/contractor-accounting-free-work/) - Specialist contractor accounting services. No switching or set-up fees. No minimum contract. FreeAgent included
- [Refer A Friend](https://sg-accounting.co.uk/clients/refer-a-friend-2024/) - Specialist contractor and small business accounting services. Refer a friend and get £100 credit.
- [SG Accounting Signup Form](https://sg-accounting.co.uk/sg-accounting-signup-form/) - Sign up now for the best accounting service you can ask forAt SG Accounting, we like to keep things simple so you can sign up for our Sole Trader, Limited Company or Self Assessment Tax Return services online. Simply select which service you need, choose your extras and hit submit. We’ll then get in touch
- [SG Contractor Accounting - Promotional Offer Terms and Conditions](https://sg-accounting.co.uk/sg-contractor-accounting-promotional-offer-terms-and-conditions/) - Your privacy is important to SG Accounting. This privacy statement provides information about the personal information that SG Accounting collects.
- [Our Blog](https://sg-accounting.co.uk/blog/) - The latest news, guides and offers from SG Accounting. You can also keep up to date via social media.
- [Financial Services](https://sg-accounting.co.uk/financial-services/) - Financial services for contractors and small businesses. Bespoke mortgages, pensions and insurances.
- [Financial Advice](https://sg-accounting.co.uk/clients/financial-advice/) - Financial Advice for all SG clientsBeing your own boss can be very rewarding, but can also mean that you no longer have some of the safety nets that permanent employment can provide, like life or income protection, medical cover, enhanced pension contributions and sick/holiday pay. There can be tax benefits in accessing some of these
- [Clients](https://sg-accounting.co.uk/clients/)
- [Frequently Asked Questions](https://sg-accounting.co.uk/faqs/) - Answers to all our contracting FAQs - everything you need to know about Limited Company Contracting
- [Prize draw terms and conditions](https://sg-accounting.co.uk/prize-draw-terms-and-conditions/) - Survey completion prize draw – terms and conditions In order to be entered into our prize draw survey, you must have: completed your name and email address details on the survey form answered ‘yes’ to the question ‘Do you want to be entered into a free prize draw to win a £250 Amazon voucher?’ completed
- [Covid-19 Statement](https://sg-accounting.co.uk/covid-19-statement/) - By using this website and agreeing to this policy, you consent to SG Accounting's use of cookies in accordance with the terms of this policy.

## Guides

- [Pension Auto Enrolment](https://sg-accounting.co.uk/guides/pension-auto-enrolment/) - What is auto enrolment? Workplace pensions have changed and employers with at least one employee now need to be aware of their duties under Auto Enrolment. Your staff will be automatically enrolled to a pension scheme in the majority of cases and will have to “opt out” if they do not wish to contribute. Employers
- [A guide to contracting](https://sg-accounting.co.uk/guides/a-guide-to-contracting/) - Firstly welcome from SG Accounting! Do you have a burning desire to be your own boss? Have you heard about the financial benefits? Or, maybe you want to expand your skills and your current career can’t offer this? If this sounds like you, contracting maybe the right route to take. We’re sure you have many
- [How much can I claim for using my home as an office](https://sg-accounting.co.uk/guides/how-much-can-i-claim-for-using-my-home-as-an-office/) - Many contractors don’t have a separate office and instead will use their home as an office either using a garden office, separate room in the house or just using the kitchen table! You may complete fee earning work from home or it may just be company bookkeeping and administration. In either case, it is fair
- [A GUIDE TO buy-to-let](https://sg-accounting.co.uk/guides/a-guide-to-buy-to-let/) - This guide covers the key tax considerations for buy-to-let investors in the UK.
- [Expenses guide](https://sg-accounting.co.uk/guides/expenses-guide/) - Running a business comes with its costs and sometimes it isn’t always clear which of these costs are tax deductible. To help, we have created a short and informative guide about commonly claimed expenses. Understanding how reclaiming expenses works for a Limited Company The hardest part is keeping track of your expenses, whether these have
- [Your IR35 Survival Guide](https://sg-accounting.co.uk/guides/your-ir35-survival-guide/) - Everything you need to know, do and say to help you understand IR35 Introduction April 2021 saw the changes to IR35 rolled out across the Private sector. This guide explains what IR35 is, the recent changes, what the expected impact is on contractors, and what action you can take to protect your contracts and take
- [On Shore Agency Reporting Requirements](https://sg-accounting.co.uk/guides/on-shore-agency-reporting-requirements/) - From 6 April 2015, HMRC will require all employment intermediaries and agencies to provide a quarterly report detailing their contractor’s personal information. This is intended to clamp down on onshore intermediaries who are paying their temporary workers on a ‘bogus’ self-employed basis, thus avoiding income tax and NIC payments. The information that needs to be
- [Conduct of Employment Agencies regulations](https://sg-accounting.co.uk/guides/conduct-of-employment-agencies-regulations/) - Conduct of Employment Agencies regulations were introduced in 2004 to provide a framework for the minimum standards contractors should expect from private recruitment agencies operating in the UK. The regulations are aimed at workers operating at the lower paid end of the temporary workforce and those that are controlled by the end client. Most professional
- [What is IR35?](https://sg-accounting.co.uk/guides/what-is-ir35/) - IR35 (also known as Intermediaries Legislation) is legislation created to identify individuals falsely establishing limited companies as a means to reduce their national insurance (NI) payments and taxes. This is often referred to as “disguised employment”. What is Disguised Employment? To help here, we tend to refer to it as the “Friday to Monday” scenario
- [Cycle to Work Scheme](https://sg-accounting.co.uk/guides/cycle-to-work-scheme/) - Who can set up a Cycle to Work scheme? Employers of all sizes can implement a tax exempt loan scheme for their employees. To qualify for the tax exemption, the bicycles and cyclists’ safety equipment loaned by the employer under the scheme must be available to employees generally with no groups of employees excluded. What

## Categories

- [News](https://sg-accounting.co.uk/blog/category/news/)
- [Finance](https://sg-accounting.co.uk/blog/category/finance/)
- [IR35](https://sg-accounting.co.uk/blog/category/ir35/)
- [Umbrella](https://sg-accounting.co.uk/blog/category/umbrella/)
- [Coronavirus](https://sg-accounting.co.uk/blog/category/coronavirus-covid19/)
- [New to contracting](https://sg-accounting.co.uk/blog/category/new-to-contracting/)
- [Salary/dividends](https://sg-accounting.co.uk/blog/category/salary-dividends/)
- [Tax](https://sg-accounting.co.uk/blog/category/tax/)
- [Expenses](https://sg-accounting.co.uk/blog/category/expenses/)
- [Running your business](https://sg-accounting.co.uk/blog/category/running-your-business/)
- [Client IR35 Hub](https://sg-accounting.co.uk/blog/category/client-ir35-hub/)
- [Brexit](https://sg-accounting.co.uk/blog/category/brexit/)
- [Budget](https://sg-accounting.co.uk/blog/category/budget/)
- [Guides](https://sg-accounting.co.uk/blog/category/guides/)
- [Spring Statement](https://sg-accounting.co.uk/blog/category/spring-statement/)
- [Autumn Statement](https://sg-accounting.co.uk/blog/category/autumn-statement/)
- [Business Bank Accounts](https://sg-accounting.co.uk/blog/category/business-bank-accounts/)
- [IT Contractor](https://sg-accounting.co.uk/blog/category/it-contractor/)
- [limited company](https://sg-accounting.co.uk/blog/category/limited-company/)
- [Cryptocurrency](https://sg-accounting.co.uk/blog/category/cryptocurrency/)
- [Sole Trader](https://sg-accounting.co.uk/blog/category/sole-trader/)
- [Making Tax Digital](https://sg-accounting.co.uk/blog/category/making-tax-digital/)
- [VAT](https://sg-accounting.co.uk/blog/category/vat/)
- [Pensions](https://sg-accounting.co.uk/blog/category/pensions/)
- [Spring Forecast](https://sg-accounting.co.uk/blog/category/spring-forecast/)

## Tags

- [New - Service](https://sg-accounting.co.uk/blog/tag/new-service/) - New to contracting service panel to be used for posts with this tag
- [Switching - Service](https://sg-accounting.co.uk/blog/tag/switching-service/) - Switching service panel to be used for posts with this tag
- [IR35 - Guide](https://sg-accounting.co.uk/blog/tag/ir35-guide/) - IR35 guide panel to be used for posts with this tag
- [New - Guide](https://sg-accounting.co.uk/blog/tag/new-guide/) - New to contracting guide panel to be used for posts with this tag
- [IR35](https://sg-accounting.co.uk/blog/tag/ir35/)
- [contractor accountant](https://sg-accounting.co.uk/blog/tag/contractor-accountant/)
- [furlough](https://sg-accounting.co.uk/blog/tag/furlough/)
- [job scheme](https://sg-accounting.co.uk/blog/tag/job-scheme/)
- [budget](https://sg-accounting.co.uk/blog/tag/budget/)
- [Company yearend](https://sg-accounting.co.uk/blog/tag/company-yearend/)
- [Autumn Statement](https://sg-accounting.co.uk/blog/tag/autumn-statement/)
- [Cryptocurrency](https://sg-accounting.co.uk/blog/tag/cryptocurrency/)
- [Contractors](https://sg-accounting.co.uk/blog/tag/contractors/)
- [Frances Bridge](https://sg-accounting.co.uk/blog/tag/frances-bridge/)
- [Alex Gould](https://sg-accounting.co.uk/blog/tag/alex-gould/)
- [Dean Lacey](https://sg-accounting.co.uk/blog/tag/dean-lacey/)
- [Niamh Potter](https://sg-accounting.co.uk/blog/tag/niamh-potter/)
- [Kerry Newman](https://sg-accounting.co.uk/blog/tag/kerry-newman/)