Mm-hmm

...

so it works, it works well for us.

As I say, and she's very much like she needs structure, so it's good for her.

She knows her job is exactly the same every single week, so it doesn't change.

So, yeah, she's happy with that.

But as I say, now my own pricing for, for my clients will be transactional based.

Mm.

Like, you've got great human skills, and that is mostly, like, an asset that is so underestimated in our industry.

I think because you're dealing with people's feet, people Don't necessarily want their feet doing.

They know that they need their feet doing.

Sometimes they're embarrassed by their feet.

And so I remember going in to people, and I'd literally, like, scour the room, and it would be like, "Okay, I can see photos of children there.

They're likely to be grandchildren.

Let's, let's talk."

And how do you use that, then, in bookkeeping? Like, do you, because I think this is really interesting for people to hear who are thinking, 'cause I think about networking and, like, you possibly have different conversations to other people.

[laughs]

Um, but essentially, your very first year of being self-employed, if you have a tax bill for that particular year, so let, so let's say for '25, '26 tax year, so from April 2025 to start of April 2026, you have a tax bill for that year of 1000 pounds or more, HMRC will require you to pay 50% of that 1000 pounds.

So say if your tax bill is 1000 pounds, you will be expected to pay 1500 pounds by 31st of January, 2027.

And that is 1,000 pounds for the previous year and 500 pounds towards the next year.

Then they will ask for the second lot of 500 pounds on the 31st of July, 2027.

So essentially, you will be paying a year in advance for your tax bill or towards your tax bill.

It only really stings you in the first year.

Now, I'm gonna allow Nadia to tell us exactly what it is, and what anything else you wanna tell us about it really.