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People celebrating an engagement, representing the financial planning conversation every couple should have

Life transitions

Tips

Getting married: what your accountant wants you to know

Me and the hairdresser are often the first to find out. Before the engagement has been announced on Instagram. Sometimes before the future in-laws have been told. Through a client call, a message, an offhand question at the end of a meeting, I know. You and your partner are planning to get hitched. It makes [...]

Gillian Caughey

August 19, 2026

Creative business owner working out her VAT

Cash flow

Creative Business

Small Business

VAT

What to do if you can’t pay your VAT bill on time

Last time, I wrote about dodgy adverts promising non-existent VAT loopholes. But what if your VAT bill has arrived and you haven't got the full amount? Before you do anything, breathe. There are options here, and there's a sensible order to go through them. What HMRC doesn't do is shout any of this [...]

Gillian Caughey

Restaurant owner thinking about VAT

Cash flow

Creative Business

Small Business

VAT

Why your accountant asks so many annoying questions about VAT

You know what? I'm going to be that accountant today. The one who's a right pain about VAT. The one who asks awkward questions and wants to see the receipts. The one who, when you suggest a creative approach to your VAT return, goes very quiet. I have a reason for being that person. It [...]

Gillian Caughey