Kristina Fox

Kristina Fox

We asked 500 decision makers from UK businesses what they thought of online-only, or ‘faceless’, business banking providers. Generally, businesses are moving toward an acceptance of online-only banking. Here, we take a deep dive into the results of our survey.

Kristina Fox

Businesses in Great Britain are preparing for the impact of a recession. We ask: which places could be most ‘recession-proof’?

Kristina Fox

It’s important to follow the right process when planning to fire an employee in the UK, so that you dismiss them fairly. This includes giving them the correct notice period and allowing them to appeal against the decision. Find out more below.

Kristina Fox

New year’s resolutions don’t just have to be personal. The start of the new tax year is the perfect opportunity to take stock of your business and make new goals for the months ahead. Below, we give you an overview of what to focus on when planning for the new tax year.

Kristina Fox

If you want to scratch your entrepreneurial itch but you’re a bit lacking in the funds department, fear not – there are plenty of businesses you can set up with little to no spare cash. Read on for our suggestions on the best businesses to start with no money.

Kristina Fox

With many mobile apps and trading platforms to choose from, it has never been easier to start investing. We look at how Gen Zers are making investment decisions and whether it is too easy to be influenced by social media platforms, such as Reddit and TikTok.

Kristina Fox

Christmas is a tough time for many people, and financial worries can stop you from enjoying the festivities. Find out about the effects that the festive period can have on your finances and your mental health, as well as ways you can combat the stress of the season.

Kristina Fox

Faced with a precarious future, fighting climate change and rallying for racial equality, Generation Z is a disruptive force in today’s society. These young people long for financial stability in an uncertain world, and their values drive their financial decisions.

Caroline Ramsey & Kristina Fox

Want to get a credit card but don’t know where to start? Read our guide to find out how to choose the credit card that’s right for you.

Kristina Fox

You may consider getting an accountant for your small business to help file your tax returns, manage your payroll or for more general business advice.

Kristina Fox

Making an employee redundant is a difficult decision. Below, we look at the steps you should take when considering redundancy options for your small business.

Kristina Fox

Many students are facing a cost of living crisis. Student maintenance loans don’t match up to expected costs of living, and prices continue to rise. With the start of the academic year approaching, what can students do to contend with the cost of living crisis?

Kristina Fox

Many people that are serving time or have recently been released from prison do not have a bank account. Read on to find out how prisoners and prison leavers can open a bank account and how this can help with their resettlement into society.

Kristina Fox

Knowing the people in your business is important. And that includes knowing their employment status. We look at who counts as an employee and consider the legal rights that come with that status.

Kristina Fox

There is a wealth of business insurance options out there, and it can be hard to know what you should consider. A business insurance broker may be able to help you find suitable insurance for your business.

Kristina Fox

If you run a home-based business, you may be considering taking out insurance to protect it if things go wrong. Find out more about home business insurance, what it covers and why you may need it.

Kristina Fox

Business insurance can include a wide range of products, from public liability insurance to cyber cover. Find out what’s available to protect your small business.

Kristina Fox

If your business has employees, it’s likely that you need to take out employers’ liability insurance. But what is it and who does it cover? Below, we define employers’ liability insurance and explore the basics.

Kristina Fox

Employers’ liability insurance is a necessity for many businesses, as it’s a legal requirement if you hire people outside your family who are not based abroad. But what does it cover, and how much do you need? We explain what employers’ liability insurance covers and look at some example claims.

Kristina Fox

Public liability insurance can be an important consideration for many businesses, but how much does this type of cover cost? We explore what can affect the price of public liability insurance below.

Kristina Fox

If you make, design or sell a product which turns out to be faulty and injures a customer, you could face a compensation claim. Product liability insurance could cover the cost. Below, we explain what product liability insurance is and what it can cover.

Kristina Fox

Energy prices are rising and your business may be feeling the pinch. Below, we look at ways to save money on your business energy bills, ranging from short-term switches to long-term solutions.

Kristina Fox

Cyber insurance, alongside strict security protocol, can help protect your business against digital threats such as phishing attempts and ransomware attacks. Read on to find out what cyber insurance is and what cover it can offer UK businesses.

Kristina Fox

The price of your business insurance premium can depend on a number of factors, such as the size of your business, which policies you include in your cover and how risky your business activity is. Read on to find out more about how much business insurance can cost.

Kristina Fox

If you run a small business, you will want to protect it so business insurance may be useful to you. Below, we explain what business insurance is, what it can cover, and whether your business could benefit from it.

Kristina Fox

If you’re self-employed, you may be wondering whether you need a separate business bank account for your work. Below, we look at when you can and can’t use a personal account for business and why it may be beneficial to open separate bank accounts.

Kristina Fox

If you run a small business, you may need a separate bank account for it. But what is a business account and what can you do with one? Below, we look at what business bank accounts are and what they can offer you in detail.

Kristina Fox

You are likely to see a drop in your income when you start receiving maternity or adoption pay. If you are worried about affording time off for your new arrival, here we suggest five tips for making the most of your money while on maternity or adoption leave.

Kristina Fox

Social media influencers use platforms like TikTok and Instagram to promote everything from beauty products to financial services. Their audiences are often young, impressionable and eager for advice on managing their money. We explore the realities of using influencers as a financial advice source.

Kristina Fox

Generation Z are making their first foray into the financial world, deciding on everything from investments to savings. Being financially literate is key to making these decisions comfortably and confidently. Read on to find out why Gen Z should be especially aware.

Suzanne Worthington & Kristina Fox

With a business savings account, you could earn interest on your spare cash and set money aside for the future.

Vivienne Egan & Kristina Fox

Online business banks offer same-day accounts that allow you to start sending and receiving payments immediately. To set one up, you’ll need proof of ID, proof of address, and some business details.

Vivienne Egan & Kristina Fox

You can open a business account online quickly – sometimes in only a few minutes. You’ll just need proof of ID, proof of address, and some business details.

Rebecca Goodman & Kristina Fox

If you are self-employed, earn income from an additional revenue stream or claim some benefits, then you may need to file your taxes. Read on to understand when the tax season is, how to prepare your taxes and how long it could take to complete them.

Rebecca Goodman & Kristina Fox

A tax adviser or accountant can file your tax return for you, taking a lot of stress out of the process, but using them can come at a price. Learn the benefits and cost of using one.

Jeff Salway & Suzanne Worthington & Kristina Fox

If you change from operating as a sole trader to a limited company, you’ll need to open a new account for the limited company. Here’s what to do, and how to make the switch as smooth as possible.

Jeff Salway & Kristina Fox

A bank mandate or account mandate informs the bank who can take financial actions on behalf of the company. Read on to learn more about how a bank mandate works and how to set-up and change one.

Jeff Salway & Kristina Fox

There are several reasons that you may choose to close your business bank account, these include if you have ceased trading or you want to switch accounts. Read on for how to close your business account and a handy checklist of key considerations.

Ruth Jackson-Kirby & Kristina Fox

The Financial Conduct Authority (FCA) is an independent public body that regulates the financial services and markets in the UK. It aims to protect consumers, maintain the integrity of the industry, and promote competition.

Laura Whateley & Kristina Fox

A student maintenance loan can help you pay your living expenses while you study.

Laura Whateley & Kristina Fox

There are two main types of loan, and you repay yours only when you stop studying and only when you earn above a certain salary threshold.

Rebecca Goodman & Kristina Fox

Self-employed workers, or those with additional income streams, must pay income tax by filing a self-assessment tax return. We explain what self-assessment is, who should pay tax this way, and how to do it.

Brean Horne & Kristina Fox

IR35 is legislation designed to ensure that contractors and businesses pay the correct amount of tax. So how do these tax rules work and are you paying the right tax?

Nic Redfern & Kristina Fox

Day to day, there is little distinction between self-employment and being a sole trader. But what is the difference, and how does it impact on you? Let’s look at the meaning of self-employment versus sole trader.

Nic Redfern & Kristina Fox

The legal status you choose for your business has major implications for tax, earnings and even survivability. Should you be a sole trader or a limited company – and how to reach that decision?

Nic Redfern & Kristina Fox

If you’re considering starting your own business, you’ll need to choose a company name when you set up a limited company. Below, we look at how to decide on a name and how to register it with Companies House.

Suzanne Worthington & Kristina Fox

Are you using a personal account for your self-employed income? You could benefit from a sole trader business account instead. It separates your business and personal finances and could simplify your accounting.

Nic Redfern & Kristina Fox

Budgeting is something of an art form, and it’s absolutely non-negotiable – especially for small businesses. Here we teach you how to create a business budget to manage your business’s finances.

Peter Adams & Kristina Fox

The end of the financial year can be stressful for small business owners, but our year-end accounting checklist will help you transition smoothly into the next! Below, we explore what you need to do to organise your year-end finances.