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What to do if you Suspect Financial Abuse and How to Spot the Signs

Written by: Georgia Gifford, Obp Chartered Accountants What is Financial Abuse? In a report by the Department of Health Financial abuse was defined as, “the unauthorised and improper use of funds, property or any resources of an older person.” This included the use of theft, coercion or fraud to obtain or try to obtain another…Read More

Knowing How To Talk Finances with your Family

You may have heard the old phrase that there are three things you never talk about: politics, religion and money. I can’t speak for politics and religion but when it comes to money, as we all know, we can’t spend the whole time with our head buried in the sand. Whatever your troubles might be…Read More

5 Easy Ways to Stress Less About Money

Written by: Georgia Gifford, Obp Chartered Accountants A study produced by the Mental Health Foundation in 2018 found that in the previous year 74% of people felt so stressed they had become overwhelmed or unable to cope. In addition to this, of those who reported feeling stressed 22% cited debt as the primary stressor.1 So,…Read More

October’s FAQ – A Q&A session with Obp

At Obp we get countless questions, business/tax related and recently anything money-related thanks to our new Financial lifestyle blog. Here is October’s set of FAQs, which we feel would be helpful for everyone to read. Q. Our house has always been owned jointly by myself, my mother and my sister. My sister and I now want…Read More

Factors that affect Credit Rating

Forgetting to pay your bills, being late with payments and generally being careless with your money may land you in financial trouble short term, but may also have serious repercussions in the future. You may be refused credit completely, have to pay a higher APR (if you do manage to secure credit) and a Cranfield…Read More

Getting To Know Your Credit Score

Please don’t switch off from reading this blog! Understanding your credit score may be a disheartening thought, but in the end it is essential if you need credit. If you’re after a loan, need a card card, or wish to have a mortgage or even re-mortgage, it is your credit score that will allow you…Read More

Obp’s tips on saving money on holidays

Escaping your everyday life can seem tricky to plan around work or social commitments, but taking those much-needed breaks could be cheaper than you anticipate with the correct planning and research. With major airlines releasing their flights around this time of year, it’s important to keep on top of your holiday plans. Here are our…Read More

Brexit’s effects on your finances

The topic news headlines won’t let go, and many people are beginning to shut out the Brexit-racket at any given opportunity. It is imperative that you keep on top of current affairs as this particular one (and its a big one), will inevitably impact your finances in one way or another – here’s how Brexit…Read More

Practical Tips for Staying in Control of your Cash Flow

1. Keep on top of your invoices If you’re running a service-based business, one of the best things you can do is to get into the habit of taking a deposit before starting any new project. Not only does this ensure that you’re not completely out of pocket if a client suddenly ghosts you, but it means…Read More

Company Car or Mileage?

Deciding whether to have a company car or to claim mileage is a regular question we receive from clients, and can be a difficult choice for business owners. The most tax efficient choice differs depending on a number of factors. Tax legislation has changed resulting in fewer instances where it is more beneficial to have…Read More

Recent Changes To Tax And Pay Rates All Employers Need To Know About

It is really important as a business owner that you keep up-to-date with the latest changes in tax rates and pay for yourself and your employees. Income tax and NI changes – the tax-free personal allowance increased to £12,500. The higher rate tax threshold has increased to £50,000. Self-employed Class 2 NICs increased to £3.00…Read More

8 Ways To Lower Your Tax Bill

There are lots of ways to save money on your tax bill. Some measures are simple and straightforward, others are more complicated, and some need a bit of expert advice. Granted, it’s now less acceptable to consciously avoid paying tax through one scheme or another, but that doesn’t mean that you can’t lower your tax…Read More

5 Postitives Of Making Tax Digital

Making Tax Digital is not all doom and gloom, but in fact for small firms and sole traders it does have its advantages. In the new world of cloud-based software, apps and digitalisation, why are so many business owners not taking advantage of using software to give then Real Time advice on their accounts? We…Read More

A Guide To Being Self Employed – by Dafydd Jones, Director of OBP.

More of us are becoming self-employed with government figures showing the number of people who are self-employed rising from 3.3 million or 12% of the labour force in 2001 to 4.8 million or 15.1% in 2017. The benefits of working for yourself include: Being your own boss. Work when you want to work. Earn money…Read More

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