I Made a Self-Assessment Penalty Calculator Because HMRC Won't Tell You What You Owe
If you missed the 31 January self-assessment deadline — and 860,000 UK taxpayers did — working out your actual penalty is surprisingly difficult. HMRC…
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Stop Accepting Net-30: How to Negotiate Payment Terms as a UK Freelance Developer
The first time a client said "we pay on net-60 terms," I just... accepted it. Two months of waiting for money I'd already earned. Never again. After 1…