Fearless Financials Limited

Glasgow has been filled with athletes, supports and an almighty creative buzz due to the European Championships.
Our new fearless financial demon Salma was inspired by the cyclists yesterday to write a blog post on recent client questions re biking to work. #TheMoment

Putting snow days to good use and getting my Xero certification renewed whilst entertaining a toddler. #BeastFromTheEast #Snowday #ParentingWhileRunningABusiness #PrayingNurseryOpensTomorrow!

Happy New Year to you all. What do you want to achieve in 2018? What do you most need to be fearless about to make it happen? Would love to hear from you.
My word of 2018 is EASE. 2017 was a hard slog in many ways and I want to enjoy my life, my family and my business and my clients more this year. I need to be fearless about planning, focus and self care. About saying No more and setting clear boundaries so I can say YES to the right things and deliver the impact I want to make.

Succeed at Self Assessment Accountability Group Starts Today! Join Us for Tax Return Support. - http://eepurl.com/c95LhX

Today's the day! Succeed at Self Assessment webinar goes live at 7pm tonight. 60 minutes of help with your tax return from a chartered accountant for just £15! Don't miss out on this great opportunity to get support with your self assessment, increasing your confidence and saving you from costly mistakes. http://tinyurl.com/yb7bxvmt.

Don't be frightened of your finances! Let Fearless Financials Gillian Caughey guide you through your tax return, ensuring you can complete it with confidence without any nasty scares from the HMRC! Sign up for tomorrow's webinar now, http://tinyurl.com/yb7bxvmt

If you had an hour with an accountant what are the questions you would ask? #moneymonday
I'm on a mission to help people complete their tax returns with confidence and ahead of time. It's all starting with my Succeed at Self Assessment webinar on Wednesday 1st November. There's still time to sign up and to send me your questions which I'll answer during the webinar.
If you're already signed up, send me a message with your questions, but if you are not, find out more here; http://tinyurl.com/yb7bxvmt

Why not do something today that your future self will thank you for, like signing up for the Succeed at Self Assessment webinar taking place on 1st November? #selfcaresunday We're on a mission to get those tax returns completed in November so that we can all enjoy the festive season without the dreaded self assessment deadline looming at the end of January and no late fines to the HMRC. Join us; http://tinyurl.com/yb7bxvmt

Terrified of your tax return? Horrendous nightmares about HMRC? Shaking at the thought of self assessment? Join your Fearless Financial Demon, on a webinar created especially to help you Slay at Self Assessment. We'll help you banish those tax dementors, giving you more confidence than Buffy in a graveyard.
... Meet me in the library; http://tinyurl.com/yb7bxvmt
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Wouldn’t it be great to head into the festive season knowing your self assessment is complete? You would be able to budget for your tax bill. Feel secure that you won’t need to make a late payment fine. Leaving you free to enjoy the festivities to the full. January can be miserable enough without having to do your tax return as well!
You could pay an accountant to do your tax return for you which will cost you at least a couple of hundred quid. However, if your tax affairs are relatively straight forward, there is no reason you can't do it yourself. You just need a little guidance in order to improve your confidence and that is why I have created my webinar, Succeed at Self Assessment.

Who hasn't done their 16/17 Self Assessment yet? You are in luck. Join my webinar next Wednesday to get guided through completing your tax return in November. For a no brainer investment you can increase your confidence; lower your tax bill & reclaim your Christmas by getting it done in November. Please share with your sole trader pals who want to start January focused on 2018 goals rather than 2016 receipts....

Morning! This #FinanceFriday think about who owes you money? What invoices do you need to raise? Which ones are overdue? Are you being a bank for your customers? Is this causing you money worries and stress? Prompt, accurate invoicing wth swift polite follow up if overdue is great way to improve your cashflow.
FINANCE FRIDAY CHALLENGE: Identify who owes you the most today. Call to remind them that the invoice is overdue and discuss when they will be paying you. Put those brave pants on! Those that shout are the ones that get paid first.
Making your business better: Put a credit control policy in place and explore whether technology can help make your life easier. Get in touch if you need guidance on what could work for you.

Feeling fired up after the launch event of We Mean Business last night. Great to meet some of the awesome bosses from this Facebook group in person. Don't underestimate the power of connection and accountability when running your own business. Find your tribe and some fabulous trusted advisors 😉

Ola from a family holiday in ☀️ Ibiza. A time for relaxation (well as much as you can with a 3 year old) & reflection on how to help more people Use Their Numbers and be fearless with their financials! In the meantime here's a overview of my story that I wrote for Cultural Enterprise Office.

Scottish creative businesses - you may have heard of the newly launched Creative EDGE award. CEO and Scottish Edge are holding a workshop tomorrow night at St. Luke's. Get yourself down there to find out how you could win up to £100k as a loan & grant.
Last few tickets available through Eventbrite - https://www.eventbrite.co.uk/e/scottish-e dge-creative-edge-…

Running your own business is often difficult. But so amazing when you get heartfelt feedback. Especially when your individuality and approach has helped someone feel better!! Inspired me to pass on the good karma to someone who helped me this morning. Whose day can you make today?

This #FinanceFriday I have a friendly reminder that second payments on account are due to HMRC for Self Assessment this Monday.
What's a payment on account? Well if you had an income tax bill over £1k last self assessment, HMRC impatiently want payments upfront with a payment for the 16/17 tax year due both on the 31 Jan 17 and 31 July 2017. This is calculated at 50% of your last self assessment bill. Any differences to what you actually owe are taken into account when you s...ubmit your 16/17 Self Assessment and additional tax due by 31 Jan 2018.
If you know you will have less tax to pay this year you can apply to reduce your Payments on Account.
Another reason to get your Self Assessment for 16/17 done sooner rather than later! Message us if you want help. We can free up your time by doing it for you or give you peace of mind through our healthcheck and training sessions.
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I encourage my clients to keep up to date digital financial records so they can use their numbers for success. However I understand how this can take time to embed.
Therefore I welcome the announced delays by HMRC to the Making Tax Digital scheme, which was due to go live from April 2018.
Following concerns that neither HMRC nor large numbers of small business would be ready, the scope and timetable have now been pared back as follows:
... - Only businesses with a turnover above the VAT threshold will have to keep digital records and only for VAT purposes. They will only need to do so from 2019. This is not expected to be much more work than what they do already for VAT returns.
- Businesses will not be asked to keep digital records or update HMRC quarterly for other taxes until at least 2020, instead of 2018 as originally proposed.
- Small businesses will be able to file digitally on a voluntary basis for other taxes.
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Its Finance Friday! Do you waste too much time and energy on your receipts? Find out how to use technology to make life easier and save money in our latest Ask An Accountant blog for Cultural Enterprise Office. Featuring Xero and our new pals at Coconut

I’ve found my accountant . First meeting and knew instantly that Gillian was the one to guide me through the world of financials.

I can't thank Gillian enough for helping me out with a tax issue that was causing me a great deal of worry. She's absolutely 'on it' in terms of what working in the arts might entail as regards tax issues and made me - a complete financial illiterate - feel so much better. She's very friendly, accommodating and quick to respond. I'd definitely recommend her and will use Fearless Financials again for sure!

Gillian is so easy to talk to and provided me with great business and financial advice, as well as guidance on the direction I should be heading based on my passions and skill sets. Tremendous business coaching with care and compassion!

Gillian is absolutely fantastic at healing that unforgiving knot you get in your naval Chakra when you think about the prospect of spending the rest of your adult life in jail for having done something stupid you didn't know about with your tax work.



She will go an extra mile in answering your questions and giving you all the options you need to the point that you will start to look at the taxman with a smile in your face and the flawless hope that all the money you hand him is going the contribute in making the country a blissful eden.

I’ve found my accountant . First meeting and knew instantly that Gillian was the one to guide me through the world of financials.

I can't thank Gillian enough for helping me out with a tax issue that was causing me a great deal of worry. She's absolutely 'on it' in terms of what working in the arts might entail as regards tax issues and made me - a complete financial illiterate - feel so much better. She's very friendly, accommodating and quick to respond. I'd definitely recommend her and will use Fearless Financials again for sure!

Gillian is so easy to talk to and provided me with great business and financial advice, as well as guidance on the direction I should be heading based on my passions and skill sets. Tremendous business coaching with care and compassion!

Gillian is absolutely fantastic at healing that unforgiving knot you get in your naval Chakra when you think about the prospect of spending the rest of your adult life in jail for having done something stupid you didn't know about with your tax work.



She will go an extra mile in answering your questions and giving you all the options you need to the point that you will start to look at the taxman with a smile in your face and the flawless hope that all the money you hand him is going the contribute in making the country a blissful eden.