Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: hank jr on January 27, 2013, 10:42:52 pm
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Hi all, can anyone tell me if what i am doing is ok for the tax man.
every week i record my earnings and record my expenses in a book.
i also have a weekly spreadsheet of the customers houses i have cleaned and how much charged. i put this sheet in my folder every week.
i also pay my earnings ( before expenses ) into my current account every week ( could not get business account due to poor credit)
is this good enough?
i dont really see any need to pay an accountant, im only a one man band....
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Mate, honestly, pay an accountant even if you are a one man band. Because you are on your own, his bill won't be much. If you pay tax, pay an accountant. It's tax deductible anyway.
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If you record every penny of revenue (whether or not you actually collect it) and have invoices for every business expense and keep them in an orderly fashion, that will be enough. You should also keep a separate record of actual moneys collected so that at the end of your year you can write off any bad debts.
On your purchase invoices it helps to allocate a number to each one as it comes in, then record it in your daily cash book under that number so you (and the tax man) can easily cross reference to see what outgoing in the cash book refers to what invoice.
I used this system for nearly 40 years with no problems ;)
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I agree wholeheartedly with Ian. I do know though that if the revenue are looking to investigate a window cleaner, they will probably go for the guy who does not have an accountant as opposed to one who does. Who is more likely to have an error?
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I agree wholeheartedly with Ian. I do know though that if the revenue are looking to investigate a window cleaner, they will probably go for the guy who does not have an accountant as opposed to one who does. Who is more likely to have an error?
Have to disagree with you there Steve.HMRC will in most cases go after the bigger fish.If a sole trader is declaring a reasonable turnover to outgoings ratio, there is little chance of there being any major discrepancies worth investigating.An accountant will only proceed on the figures given to them by their client.
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Income and expenditure records are enough.
But once you start paying tax, the best money you will spend each year will be the accountants bill.
They pay for themselves and some.
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Income and expenditure records are enough.
But once you start paying tax, the best money you will spend each year will be the accountants bill.
They pay for themselves and some.
i dont earn enough to pay tax, the threshold is about 8 grand i belive and i earn under that. my only expenses really are fuel....
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Have to disagree with you there Steve.HMRC will in most cases go after the bigger fish.If a sole trader is declaring a reasonable turnover to outgoings ratio, there is little chance of there being any major discrepancies worth investigating.An accountant will only proceed on the figures given to them by their client.
wrong actually the HMRC go after small companies its easier to get them and don't have the money to protect them selfs.. why you think all these big companies pay no tax and get away with it. Yes accountants write down what u give to them but most of the time you give them all your receipts and invoices this is the best way for them to save you tax.. as at the end of year its a bit late.. its more likely for an accountant to do things and claim for stuff correctly than doing it yourself.. so if they are looking at someone to investigate who is it going to be?.. the fella doing his own return with no adviser. only takes them one small little thing and they will go back 5 years.
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There is actually no limit Howe far back they can go if they find something....
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Ignore the doom merchants. If you can manage the basic maths and you record all your spend in relation to your business an accountant won't save you money. If an accountant costs you £400 he will need to find £2,000 worth of costs to your business that you didn't find. Unless you are totally syupid, that is unlikely. However, if you don't want to do your own return or you find it too daunting, get an accountant. But it ain't difficult.
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Ignore the doom merchants. If you can manage the basic maths and you record all your spend in relation to your business an accountant won't save you money. If an accountant costs you £400 he will need to find £2,000 worth of costs to your business that you didn't find. Unless you are totally syupid, that is unlikely. However, if you don't want to do your own return or you find it too daunting, get an accountant. But it ain't difficult.
What he said.
Or if your missus is a bit clued up get her to do it; especially if she isn't earning enough to pay tax herself - then you can pay her.
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I record all takings and expenses in a ledger each day, and keep all receipts in date order in an envelope.
At year end tot up the totals, take one from t'other after taking into account personal allowance. It only takes a few minutes, and is so simple that I can't really see why I would need an accountant.
I like Ian Lancaster's idea of numbering the invoices. Most of my receipts fade into oblivion!
John
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Do it yourself just keep all paperwork for 6 years I keep expences in an expanding folder(about £2 from tescos) and keep daily record of earnings then just a case of taking one from other .Tax returns are nice and clear only takes minuetes to fill in .
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I asked myself the same question when I started. I thought that if they cost me less than they save me i'd use an accountant.
Paid c. £300 11 years ago-dont pay much more now! Year one, I reckon they saved me an extra grand. I never worked it out after that.
Your accountants fees aren't tax deductible.
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Have to disagree with you there Steve.HMRC will in most cases go after the bigger fish.If a sole trader is declaring a reasonable turnover to outgoings ratio, there is little chance of there being any major discrepancies worth investigating.An accountant will only proceed on the figures given to them by their client.
wrong actually the HMRC go after small companies its easier to get them and don't have the money to protect them selfs.. why you think all these big companies pay no tax and get away with it. Yes accountants write down what u give to them but most of the time you give them all your receipts and invoices this is the best way for them to save you tax.. as at the end of year its a bit late.. its more likely for an accountant to do things and claim for stuff correctly than doing it yourself.. so if they are looking at someone to investigate who is it going to be?.. the fella doing his own return with no adviser. only takes them one small little thing and they will go back 5 years.
Sorry,I said sole trader instead of sole trader 1 man band.I wasn't talking about these big companies who try to avoid corporation tax,I was comparing a sole trader 1 man band(which the OP is) to a small company/sole trader who emloy.The small company/sole trader who employ being the bigger fish.
sole trader without accountant. himself + 1 employee on 30 hours per week declares a turnover of £40 000
sole trader with accountant. himself + 1 employee on 30 hours per week declares a turnover of £25 000, Who do you think is more likely to be investigated??
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I asked myself the same question when I started. I thought that if they cost me less than they save me i'd use an accountant.
Paid c. £300 11 years ago-dont pay much more now! Year one, I reckon they saved me an extra grand. I never worked it out after that.
Your accountants fees aren't tax deductible.
Are you sure? My accountant shows them as 'accountancy' in the expenses column.
They are a legitimate business expense, so should be deducted from profit prior to any tax calculation.
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Do it yourself just keep all paperwork for 6 years I keep expences in an expanding folder(about £2 from tescos) and keep daily record of earnings then just a case of taking one from other .Tax returns are nice and clear only takes minuetes to fill in .
i just have my weeks work on one spreadsheet and tick off who's paid as i go along. i have not been doing daily earnings, but i have just been totaling my earnings and expenses every week and then writing them in my book, and put fuel receipts in my little receipt folder.
do you bother writing invoices for every single residential customer??? i have not invoiced any residential customers as i was not aware that i needed to???
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Hi all, can anyone tell me if what i am doing is ok for the tax man.
every week i record my earnings and record my expenses in a book.
i also have a weekly spreadsheet of the customers houses i have cleaned and how much charged. i put this sheet in my folder every week.
i also pay my earnings ( before expenses ) into my current account every week ( could not get business account due to poor credit)
is this good enough?
i dont really see any need to pay an accountant, im only a one man band....
its alright for some. When I go to the bank all they keep going on about is me getting a business account.
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Do it yourself just keep all paperwork for 6 years I keep expences in an expanding folder(about £2 from tescos) and keep daily record of earnings then just a case of taking one from other .Tax returns are nice and clear only takes minuetes to fill in .
i just have my weeks work on one spreadsheet and tick off who's paid as i go along. i have not been doing daily earnings, but i have just been totaling my earnings and expenses every week and then writing them in my book, and put fuel receipts in my little receipt folder.
do you bother writing invoices for every single residential customer??? i have not invoiced any residential customers as i was not aware that i needed to???
You invoice commercal or those who work from home and request an invoice, other than that when you get paid from a residental custy then that is it. You should leave a slip to say that the windows were cleaned and payment details etc but not an invoice
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Do it yourself just keep all paperwork for 6 years I keep expences in an expanding folder(about £2 from tescos) and keep daily record of earnings then just a case of taking one from other .Tax returns are nice and clear only takes minuetes to fill in .
i just have my weeks work on one spreadsheet and tick off who's paid as i go along. i have not been doing daily earnings, but i have just been totaling my earnings and expenses every week and then writing them in my book, and put fuel receipts in my little receipt folder.
do you bother writing invoices for every single residential customer??? i have not invoiced any residential customers as i was not aware that i needed to???
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No. The invoices are for expenditure, not income = everything you buy/pay for out of your business money should be supported by an invoice.
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Do it yourself just keep all paperwork for 6 years I keep expences in an expanding folder(about £2 from tescos) and keep daily record of earnings then just a case of taking one from other .Tax returns are nice and clear only takes minuetes to fill in .
i just have my weeks work on one spreadsheet and tick off who's paid as i go along. i have not been doing daily earnings, but i have just been totaling my earnings and expenses every week and then writing them in my book, and put fuel receipts in my little receipt folder.
do you bother writing invoices for every single residential customer??? i have not invoiced any residential customers as i was not aware that i needed to???
You invoice commercal or those who work from home and request an invoice, other than that when you get paid from a residental custy then that is it. You should leave a slip to say that the windows were cleaned and payment details etc but not an invoice
Thanks very much for your help and advice. its very much appreciated.
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I asked myself the same question when I started. I thought that if they cost me less than they save me i'd use an accountant.
Paid c. £300 11 years ago-dont pay much more now! Year one, I reckon they saved me an extra grand. I never worked it out after that.
Your accountants fees aren't tax deductible.
I believe they are - for business purposes; so as a sole trader, partnership or Ltd company they are.
As an individual perhaps not - so lets say one of the above or a retired or employed or unemployed person inherits a house or a large sum of money and he hires an accountant (or solicitor) to sort it all out then those charges would not be deductable as they are not in connection with his/her business.
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sole trader without accountant. himself + 1 employee on 30 hours per week declares a turnover of £40 000
sole trader with accountant. himself + 1 employee on 30 hours per week declares a turnover of £25 000, Who do
The sole trader without an accountant is more likely to get investigation. Because the books done by an accountant is less likely to be wrong and less likely to have things claimed for wrongly. I know they just work of what you give them but anyone would give all receipts to there accountant.. or should be otherwise its pointless.
If your asking who are they more likely to investigate through fraud by not declaring amounts earned.. then both are equal because they suspect everyone.. and think everyone does its up to you to prove it wrong to them..especially cash based business
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I asked myself the same question when I started. I thought that if they cost me less than they save me i'd use an accountant.
Paid c. £300 11 years ago-dont pay much more now! Year one, I reckon they saved me an extra grand. I never worked it out after that.
Your accountants fees aren't tax deductible.
Are you sure? My accountant shows them as 'accountancy' in the expenses column.
They are a legitimate business expense, so should be deducted from profit prior to any tax calculation.
Accountants fees are definitely expenses, it's just that you claim them on the following years expenses as the work carried out by the accountant has been done after the end of year.
In my 28 years all I have ever done is keep all receipts, write down in my diary who has paid and how much I have earned each day, the complete list, any tips that day. And that's it. I write down all my expenses for the year and earnings give the short list of totals to my accountant he tells me the legitimate claims and fills in the tax return. Definitely worth his money!!
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I asked myself the same question when I started. I thought that if they cost me less than they save me i'd use an accountant.
Paid c. £300 11 years ago-dont pay much more now! Year one, I reckon they saved me an extra grand. I never worked it out after that.
Your accountants fees aren't tax deductible.
That's fantastic, but quite how you missed £5,000 worth of expenses.....
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After a bit of fishing-I stand corrected, sorry. Seems accountants fees are deductible-been thinking wrong for a decade!
@Steve Sed-It was my first year and I didn't know (at the time) I could do things like claim for a dedicated office (which was my spare room) subsistence after x miles, % of utilities, clothes...the list went on! I just thought my top line was x, subtract start up costs and diesel and 20% of that figure went to line her majesty's pockets.
Stand by the thought of if they save more than they cost though...
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"I agree wholeheartedly with Ian. I do know though that if the revenue are looking to investigate a window cleaner, they will probably go for the guy who does not have an accountant as opposed to one who does. Who is more likely to have an error? "
Apparently, The most likely to be investigated are those that use accountants who have been found in the revenues eyes to be "dodgy", followed by those who dont use an accountant then the "good accountant " group. but unfortunately we have no idea of who the tax office consider good or dodgy so not neccesarily the safe option using an accountant. On average, you get investigated once every ten years, ive been going nine years without an accountant and without being looked at, so wont be too shocked if they start nosing around soon . Each to his own i suppose, im too tight to splash out on things im perfectly capable of doing myself, its no where near as hard as it looks.
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The bottom line is to keep a record of individual jobs - adding up the daily/monthly,yearly totals (whichever is most convenient but certainly yearly. Keep all receipts and add up the expenses. If you don't want to pa for an accountant, make a note of things where you have uncertainty and get HMRC to calculate it for you. I believe that they are legally obliged to help though they don't like doing it and certainly don't publicise it.
i really do appreciate all of your help - thanks very much everyone. i am also interested in how other people go about keeping there own records and books ect
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They do come knocking on your door as i got done starting out in 1992 there were 4 off us were 3 signing on 1 on self employed skyme getting 40 pound a week well the self employed guy went prison for drink driving, all other 3 off us signing on, one young lad upset this lad who grassed him up for claiming dole money while cleaning windows,so they were watching his flat and saw us picking him up then they had us all following us for 6 week taking photos of us cleaning getting police to stop us on motorway then asking our names sending in dhs officers and cid to arrest us in street, by that time the guy who went to prison was back out cleaning again with us so we all got arrested sent to court fined and suspended sentences,the guy who claimed he was self employed got done while still claiming his grant while in prison,my details were sent to tax man were i was investigated for payment for tax and national insurance stamps for all who worked for me came to 2000 pound plus 900 pound for accountant and 1500 pound to be payed back to dole and the cid bloke who went through my window cleaning books adding them all up was sick coz i was on more money them him,so always watch your back in morning for cars following you,they had 4 cars and a tranny van with blackout windows in back.
bumper.
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They do come knocking on your door as i got done starting out in 1992 there were 4 off us were 3 signing on 1 on self employed skyme getting 40 pound a week well the self employed guy went prison for drink driving, all other 3 off us signing on, one young lad upset this lad who grassed him up for claiming dole money while cleaning windows,so they were watching his flat and saw us picking him up then they had us all following us for 6 week taking photos of us cleaning getting police to stop us on motorway then asking our names sending in dhs officers and cid to arrest us in street, by that time the guy who went to prison was back out cleaning again with us so we all got arrested sent to court fined and suspended sentences,the guy who claimed he was self employed got done while still claiming his grant while in prison,my details were sent to tax man were i was investigated for payment for tax and national insurance stamps for all who worked for me came to 2000 pound plus 900 pound for accountant and 1500 pound to be payed back to dole and the cid bloke who went through my window cleaning books adding them all up was sick coz i was on more money them him,so always watch your back in morning for cars following you,they had 4 cars and a tranny van with blackout windows in back.
bumper.
When you turn over as much as Dave Morris they send a helicopter with Will Smith and Tommy Lee Jones on board.
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They do come knocking on your door as i got done starting out in 1992 there were 4 off us were 3 signing on 1 on self employed skyme getting 40 pound a week well the self employed guy went prison for drink driving, all other 3 off us signing on, one young lad upset this lad who grassed him up for claiming dole money while cleaning windows,so they were watching his flat and saw us picking him up then they had us all following us for 6 week taking photos of us cleaning getting police to stop us on motorway then asking our names sending in dhs officers and cid to arrest us in street, by that time the guy who went to prison was back out cleaning again with us so we all got arrested sent to court fined and suspended sentences,the guy who claimed he was self employed got done while still claiming his grant while in prison,my details were sent to tax man were i was investigated for payment for tax and national insurance stamps for all who worked for me came to 2000 pound plus 900 pound for accountant and 1500 pound to be payed back to dole and the cid bloke who went through my window cleaning books adding them all up was sick coz i was on more money them him,so always watch your back in morning for cars following you,they had 4 cars and a tranny van with blackout windows in back.
bumper.
taking all this into account would you bother using an accountant if you only earn less than £200 per week?
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no do it yourself if you record everything anddeclare every thing you got nothing to hide and nothing to worry about
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I asked myself the same question when I started. I thought that if they cost me less than they save me i'd use an accountant.
Paid c. £300 11 years ago-dont pay much more now! Year one, I reckon they saved me an extra grand. I never worked it out after that.
Your accountants fees aren't tax deductible.
Are you sure? My accountant shows them as 'accountancy' in the expenses column.
Correct Ian, they are a classed as a professional services and valid overhead used in your business :)
They are a legitimate business expense, so should be deducted from profit prior to any tax calculation.
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Hank if you are not earning enough to pay tax, why did you employ someone?
http://www.cleanitup.co.uk/smf/index.php?topic=163691.msg1367664#msg1367664
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The IR may chose to investigate anyone especially if they see any large discrepancies from previous years returns so it pays to keep records and inform them of anything that may look suspicious, i.e. a decrease in income which may be because of illness etc.
I told them when I'd been injured so earned less and they were fine.
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I use george. So at the end of the year I do I finance report it tells me turnover. Expenses and profit. Very easy as its all added up for me. All I will have to do is put the figures o self assessment.
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Hank if you are not earning enough to pay tax, why did you employ someone?
http://www.cleanitup.co.uk/smf/index.php?topic=163691.msg1367664#msg1367664
i only work 2 days per week :'(
i couldnt stand doing it every day it would do my head in
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Hank if you are not earning enough to pay tax, why did you employ someone?
http://www.cleanitup.co.uk/smf/index.php?topic=163691.msg1367664#msg1367664
i only work 2 days per week :'(
i couldnt stand doing it every day it would do my head in
oh dear!!!!! why not sell your existing customers to a local window cleaner then and get out of this industry as it is clearly not for you.
Waster >:(
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Hank if you are not earning enough to pay tax, why did you employ someone?
http://www.cleanitup.co.uk/smf/index.php?topic=163691.msg1367664#msg1367664
i only work 2 days per week :'(
i couldnt stand doing it every day it would do my head in
oh dear!!!!! why not sell your existing customers to a local window cleaner then and get out of this industry as it is clearly not for you.
Waster >:(
Harsh :o
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Hank if you are not earning enough to pay tax, why did you employ someone?
http://www.cleanitup.co.uk/smf/index.php?topic=163691.msg1367664#msg1367664
i only work 2 days per week :'(
i couldnt stand doing it every day it would do my head in
oh dear!!!!! why not sell your existing customers to a local window cleaner then and get out of this industry as it is clearly not for you.
Waster >:(
Harsh :o
Helen sounds scarey. ;D
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Not harsh, not scarey, realistic, so you would be happy with someone like this working your area obviously for beer money only and not taking it seriously, when you could be working those same customers and improving your business :)
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Not harsh, not scarey, realistic, so you would be happy with someone like this working your area obviously for beer money only and not taking it seriously, when you could be working those same customers and improving your business :)
In his defence, it does 'is 'ed in. ;D
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Not harsh, not scarey, realistic, so you would be happy with someone like this working your area obviously for beer money only and not taking it seriously, when you could be working those same customers and improving your business :)
This is exactly the competition I want 'in my area'!
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Not harsh, not scarey, realistic, so you would be happy with someone like this working your area obviously for beer money only and not taking it seriously, when you could be working those same customers and improving your business :)
above post, a nasty little judgement, based on what facts is what i would
like to know :)
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the most boreing job in the world money good tho
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Not harsh, not scarey, realistic, so you would be happy with someone like this working your area obviously for beer money only and not taking it seriously, when you could be working those same customers and improving your business :)
I think you need a reality check.Sounds like you are looking down your nose at him, what has it got to do with you that he is happy working 2 days a week? In his 2 days he may very well give his customers a good reliable service.
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Not harsh, not scarey, realistic, so you would be happy with someone like this working your area obviously for beer money only and not taking it seriously, when you could be working those same customers and improving your business :)
I think you need a reality check.Sounds like you are looking down your nose at him, what has it got to do with you that he is happy working 2 days a week? In his 2 days he may very well give his customers a good reliable service.
A good friend of mine works 2 days a week. He lives in the middle of Kent and his run is in South West London. He has been in the game 40+ years and doesn't employ. Now will somebody tell me that he isn't providing a good, reliable service.
John
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Not harsh, not scarey, realistic, so you would be happy with someone like this working your area obviously for beer money only and not taking it seriously, when you could be working those same customers and improving your business :)
I think you need a reality check.Sounds like you are looking down your nose at him, what has it got to do with you that he is happy working 2 days a week? In his 2 days he may very well give his customers a good reliable service.
Speak as I find. If you were to read his words, he obviously isn't happy as it is would do his head in to do more than 2 days, as for looking down my nose, no I don't do that to anyone, nobody is superior to anyone else in this world. I am entitled to an opinion though and if people don't like it that's fine........ that's what opinions are for. If he was working 2 days a week himself on the glass and then employing on the other days to make it a full time seriously run business then fine.......but he's not, which says to me his heart isn't in it, which means that he won't get the business he wants, and so on and so on.....
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Not harsh, not scarey, realistic, so you would be happy with someone like this working your area obviously for beer money only and not taking it seriously, when you could be working those same customers and improving your business :)
I think you need a reality check.Sounds like you are looking down your nose at him, what has it got to do with you that he is happy working 2 days a week? In his 2 days he may very well give his customers a good reliable service.
A good friend of mine works 2 days a week. He lives in the middle of Kent and his run is in South West London. He has been in the game 40+ years and doesn't employ. Now will somebody tell me that he isn't providing a good, reliable service.
John
after 40 years, nobody could say this wasn't a serious business could they? I bet it doesn't do your mates head in though as I suspect he wouldn't have lasted this long if it did :)
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Not harsh, not scarey, realistic, so you would be happy with someone like this working your area obviously for beer money only and not taking it seriously, when you could be working those same customers and improving your business :)
I think you need a reality check.Sounds like you are looking down your nose at him, what has it got to do with you that he is happy working 2 days a week? In his 2 days he may very well give his customers a good reliable service.
A good friend of mine works 2 days a week. He lives in the middle of Kent and his run is in South West London. He has been in the game 40+ years and doesn't employ. Now will somebody tell me that he isn't providing a good, reliable service.
John
after 40 years, nobody could say this wasn't a serious business could they? I bet it doesn't do your mates head in though as I suspect he wouldn't have lasted this long if it did :)
i only work part time hours myself iprovide goodservice and my customers are happy
whats the problem.
people use window cleaning for making a living for all sorts of reasons...not everyone
is trying to conquer the world
do yourself a favour and climb out of your own backside...or better still
go and fetch the adult in charge of you, to talk us :)
and yes window cleaning does my head in on a regular basis..for all sorts
of reasons :)
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Not harsh, not scarey, realistic, so you would be happy with someone like this working your area obviously for beer money only and not taking it seriously, when you could be working those same customers and improving your business :)
I think you need a reality check.Sounds like you are looking down your nose at him, what has it got to do with you that he is happy working 2 days a week? In his 2 days he may very well give his customers a good reliable service.
A good friend of mine works 2 days a week. He lives in the middle of Kent and his run is in South West London. He has been in the game 40+ years and doesn't employ. Now will somebody tell me that he isn't providing a good, reliable service.
John
after 40 years, nobody could say this wasn't a serious business could they? I bet it doesn't do your mates head in though as I suspect he wouldn't have lasted this long if it did :)
i only work part time hours myself iprovide goodservice and my customers are happy
whats the problem.
None whatsoever :)
people use window cleaning for making a living for all sorts of reasons...not everyone
is trying to conquer the world
didn't say that they had to :)
do yourself a favour and climb out of your own backside...or better still
go and fetch the adult in charge of you, to talk us :)
Oh dear, you let yourself down with that one :)
and yes window cleaning does my head in on a regular basis..for all sorts
of reasons :)
I'm sure it does, but i bet you could do it for longer than 2 days a week to make a decent living :)
Be honest after 2 years of being in the industry if you were not earning enough to pay tax and only had enough customers for 2 days a week and it "did" your head in, would you not be thinking "it may not be for me?"
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Not harsh, not scarey, realistic, so you would be happy with someone like this working your area obviously for beer money only and not taking it seriously, when you could be working those same customers and improving your business :)
I think you need a reality check.Sounds like you are looking down your nose at him, what has it got to do with you that he is happy working 2 days a week? In his 2 days he may very well give his customers a good reliable service.
A good friend of mine works 2 days a week. He lives in the middle of Kent and his run is in South West London. He has been in the game 40+ years and doesn't employ. Now will somebody tell me that he isn't providing a good, reliable service.
John
after 40 years, nobody could say this wasn't a serious business could they? I bet it doesn't do your mates head in though as I suspect he wouldn't have lasted this long if it did :)
i only work part time hours myself iprovide goodservice and my customers are happy
whats the problem.
None whatsoever :)
people use window cleaning for making a living for all sorts of reasons...not everyone
is trying to conquer the world
didn't say that they had to :)
do yourself a favour and climb out of your own backside...or better still
go and fetch the adult in charge of you, to talk us :)
Oh dear, you let yourself down with that one :)
and yes window cleaning does my head in on a regular basis..for all sorts
of reasons :)
I'm sure it does, but i bet you could do it for longer than 2 days a week to make a decent living :)
Be honest after 2 years of being in the industry if you were not earning enough to pay tax and only had enough customers for 2 days a week and it "did" your head in, would you not be thinking "it may not be for me?"
sorry but what has all the above rubbish got to do with this guy coming on
here and asking a legitimate question and being called a waster ???
the only person who is letting themselves down is yourself but hey you carry
with your rather silly behaviour...im sure you were having a bad day,we
all have them,most would of climbed down off there high horse by now
and admitted they were wrong for insulting another person for no good reason.
must be beyond you
bye! :)
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Wow! Helen ... stop digging old girl! You're bigger than this.
Calling Hank jr. a waster is completely uncalled for.
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I use George, best £50 ive ever spent. Records all income, expenses and its easy to organize your work. I put all business receipts with the corresponding bank statement in a folder.