Self Employed and Freelancers – Friendly Assist Accountancy

Pension Tax in the UK: What You Need to Know Before Taking Your Pension

22 September 2026 – written by Steffen Kemmerzehl – Friendly Assist Accountancy – The Accounting Hub Pensions are usually built up over many years, but the tax consequences can become important very quickly when you start taking the money. You may have a State Pension, one or more workplace pensions, a personal pension or even a pension from …

Your Child Is Coming to Study in the UK: Money, Tax and the Questions Families Often Miss

by Self Employed and Freelancers, Tax updates Comments are Disabled

11 September 2026 – written by Steffen Kemmerzehl – Friendly Assist Accountancy – The Accounting Hub Parents paying university fees, sending money from abroad or thinking about buying a UK property? Most arrangements are perfectly manageable, but there are a few UK tax questions worth asking earlier. Sending a son or daughter to university in the UK is …

Living in Spain With UK Pensions, Savings and Investments: What Happens to Your Money?

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10 September 2026 – written by Steffen Kemmerzehl – Friendly Assist Accountancy – The Accounting Hub You might be planning your move to Spain, or you may have lived there for years while much of your financial life remains in Britain. A UK pension arrives every month. You still have an ISA, savings or investments in Britain. Perhaps …

When Your Business Doesn’t Look the Way You Imagined

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4 September 2026 – written by Steffen Kemmerzehl – Friendly Assist Accountancy – The Accounting Hub Most people start a business with some idea of where they would like it to go. Perhaps the aim is to gradually build a full-time income, employ somebody, move into premises or simply have more control over when and …

Autumn arrives: Why Now Is a Good Time to Get Your Tax Return Done

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28 August 2026 – written by Steffen Kemmerzehl – Friendly Assist Accountancy – The Accounting Hub Summer is nearly over, children are going back to school and for many businesses September means getting back into a more normal routine. January still feels a long way away, but if you need to complete a Self Assessment …

When Tax Gets Complicated: The Obvious Answer Can Be Wrong

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27 August 2026 – written by Steffen Kemmerzehl – Friendly Assist Accountancy – Blog Tax often looks relatively simple until you start asking what actually happened behind the numbers. You move abroad, so you assume you are no longer UK tax resident. You have already paid tax overseas, so surely there cannot be UK tax …

Keeping Business and Personal Finances Separate A Simple Habit That Can Save You Time and Money

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15 July 2026 – written by Steffen Kemmerzehl – Friendly Assist Accountancy – Blog Running a business is busy enough When you first start working for yourself, keeping things simple often feels like the easiest option. You buy materials with the same bank card you use for your weekly shopping. You pay for fuel on …

Loan Sharks and Poor Credit

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How to Borrow Safely in the UK 1 July – written by Steffen Kemmerzehl – Friendly Assist Accountancy – Blog When most people hear the words loan shark, they imagine organised crime, large sums of cash and scenes from television dramas. The reality is often very different. Many illegal lenders look just like ordinary people. …

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Is It Time to Review Your Accounting Arrangements?

by Industry Guides, MTD and other HMRC topics, Self Employed and Freelancers, Tax updates Comments are Disabled

by Steffen Kemmerzehl – The Accounting Hub A lot of business owners stick with the same accountant for years without really thinking about it. Others manage everything themselves because that’s what they’ve always done. Neither is automatically wrong. But things change over time, and it’s worth occasionally asking a simple question: Is this still working …

IR35 Explained for UK Contractors

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by Steffen Kemmerzehl, MAAT, AATQB – Friendly Assist Accountancy Inside or Outside IR35? Many UK contractors operate through a limited company without fully understanding how IR35 works or why it matters. A software developer working remotely for a large pharmaceutical company. An engineering contractor on a long term project. An IT consultant billing through their …