[applepicker]

I know a friend who keeps his pure water  barrels stored around a customers garage and has  to uncomfortably sneak around when he  needs them as well as the ladder, wouldn't it be easier if everything was moved to the new flat's garage that he is moving to ?  The thing is there are lots of nosey old people in the flat and the risk is they could report this Saturday only work to the taxman and he is worried about that?  Would anyone bother?  He would park his car next to garage door and throw the barrels on backseat, nobody may notice, also dry scrims etc inside .   If you register do you then have to get liability insurance, pay tax on this second job income etc, change car to business insurance etc, does all this cover having four barrels of water on backseat and ladder on top?    If you register and forget to pay NI on this job would it make your pension payments worse than if you kept quiet?   

[Don Kee]

If he started this financial year then i'm pretty sure that technically he has until next oct to register as self employed & send his self assessment in...

If he only needs a day or two a week to take the plunge but cant get more than a days work by then, then he may as well stick to the day job...

Reading between the lines though, I'm guessing the real question you're asking is 'how long can you get away without the tax man finding out..?'

Not sure how much help you'll get with that mate...

[Smudger]

Just post his name, address and mobile number and I'm sure someone will be in contact to help sort him out with the tax man

HTH
Darran

[oldman]

I've read your other posts Applepicker, and this is about you...NOT your mate.

[Spruce]

Surely you can't expect anyone on this forum to tell you that its right for your mate (you?) to run a 'cash in hand' business and not pay tax.  People do notice what happens around them, so someone doing something out of the ordinary will be noticed immediately.

So yes, he should register his business with the Receiver. 

If he registers for tax then he will never have to worry. There are running expenses he will have that he will claim back against tax.

Think of the consequences if he is caught, shopped in by a disgruntled window cleaner etc. What happens if he is involved in a car accident and the insurance refuse to pay out because he was incorrectly insured?

[Spruce]

If he started this financial year then i'm pretty sure that technically he has until next oct to register as self employed & send his self assessment in...

If he only needs a day or two a week to take the plunge but cant get more than a days work by then, then he may as well stick to the day job...

Reading between the lines though, I'm guessing the real question you're asking is 'how long can you get away without the tax man finding out..?'

Not sure how much help you'll get with that mate...

You have 3 months to register a business when you first start with the tax man Don.

[Leeds]

If he started this financial year then i'm pretty sure that technically he has until next oct to register as self employed & send his self assessment in...

If he only needs a day or two a week to take the plunge but cant get more than a days work by then, then he may as well stick to the day job...

Reading between the lines though, I'm guessing the real question you're asking is 'how long can you get away without the tax man finding out..?'

Not sure how much help you'll get with that mate...

You have 3 months to register a business when you first start with the tax man Don.

What happens after three months Spruce?

[Spruce]

He will get a reminder from the tax man that he needs to complete a tax return for his business from April to April each year - the standard tax period. He will need to complete this by Oct of the tax year if submitting it by paper or 31st Jan if submitting it digitally. Any tax owed will need to be paid by the 31st Jan.

I think there is a slightly different procedure to follow if the window cleaner is also in full time employment, but the Receiver will be able to advise the correct procedure.

[M & C Window Cleaning]

As far as vehicle insurance is concerned, if he uses his vehicle for work and doesn't have it insured for business and he is stopped by the police with his equipment on board he risks having it impounded. At the very least he won't be allowed to continue his journey unless the equipment is removed.

[CleanClear]

I know a friend who keeps his pure water  barrels stored around a customers garage and has  to uncomfortably sneak around when he  needs them as well as the ladder, wouldn't it be easier if everything was moved to the new flat's garage that he is moving to ?  The thing is there are lots of nosey old people in the flat and the risk is they could report this Saturday only work to the taxman and he is worried about that?  Would anyone bother?  He would park his car next to garage door and throw the barrels on backseat, nobody may notice, also dry scrims etc inside   He earns £60-100 every Sat.   If you register do you then have to get liability insurance, pay tax on this second job income etc, change car to business insurance etc, does all this cover having four barrels of water on backseat and ladder on top?    If you register and forget to pay NI on this second job would it make your pension payments worse than if you kept quiet?   

Is it better to wait until work is more than one day a week and have van with water tank before registering?

If he's carrying barrels of pure water, scrims and a ladder in his car i'd say the tax man is the least of his worries. I'd advise him to clean in the night time. You can often see the sheen on the glass easier, and people can't spot you so well.

6/10 for effort.

[oldman]

Applepicker is scared of not being entitled to various Government Benefits if he goes legit .

[Shane sharples]

Surely if your scared of losing your benefits, you wouldn't continually post about how much you earn and for how long you've been doing it

applepicker
Posts: 10

Re: Increasing customers and dealing with the books?

« Reply #13 on: May 15, 2015, 06:06:09 pm »
Quote
Like I said I have been doing this part time for two years on a Saturday and if I turned this into a main job and started declaring would it be a problem, I mean if the customers weren't new ones?

[the king]

I know a friend who keeps his pure water  barrels stored around a customers garage and has  to uncomfortably sneak around when he  needs them as well as the ladder, wouldn't it be easier if everything was moved to the new flat's garage that he is moving to ?  The thing is there are lots of nosey old people in the flat and the risk is they could report this Saturday only work to the taxman and he is worried about that?  Would anyone bother?  He would park his car next to garage door and throw the barrels on backseat, nobody may notice, also dry scrims etc inside   He earns £60-100 every Sat.   If you register do you then have to get liability insurance, pay tax on this second job income etc, change car to business insurance etc, does all this cover having four barrels of water on backseat and ladder on top?    If you register and forget to pay NI on this second job would it make your pension payments worse than if you kept quiet?   

Is it better to wait until work is more than one day a week and have van with water tank before registering?

   ur playing with fire just rejester ur bizzness and get public libity  and put ur car down as bizzness it ant wrth messing with the tax man u will get cault chances r u wont have to pay any tax any way as ur not urning anouth at the minit do it rite dont duck an dive it will end messy and u will eather have to pay a sxxxhit load to sort it as if u get invesergated they charge u i think, and possably get sent to jail if u cant pay up

[the king]

also i do hope ur not claming bennerfits as well as that realy is taking the pxxxxiss us tax payers pay anouth as it is with out carrying others who could get a job  that realy does get under my skin!

[Don Kee]

If he started this financial year then i'm pretty sure that technically he has until next oct to register as self employed & send his self assessment in...

If he only needs a day or two a week to take the plunge but cant get more than a days work by then, then he may as well stick to the day job...

Reading between the lines though, I'm guessing the real question you're asking is 'how long can you get away without the tax man finding out..?'

Not sure how much help you'll get with that mate...

You have 3 months to register a business when you first start with the tax man Don.

I just googled my info from this to be honest as I couldn't actually remember!

https://www.gov.uk/register-for-self-assessment/overview

[Walter Mitty]

Just register and pay your dues like everyone else has to.  Neighbours could be a problem but so could other window cleaners if his? tax evasion helps him to work more cheaply than them.  Assuming that the normal employment more than covers the tax allowance, all window cleaning money earned is subject to tax and NI.  However, any expenditure incurred may be offset e.g. a portion of the car running costs (and possibly a portion of its value at the time of starting the business if it may be treated as a capital asset), the water and containers, any purifying equipment, stationery, a portion of the computer/printer if keeping records digitally, scrims/microfibres.  It's also possible for tax relief on cleaning work clothes and cloths.  However, without registering, you/he won't be able to offset any of the above.  I suggest you find a cheap accountant (whose fee is also tax deductible).

[rosskesava]

You have 3 months to register a business when you first start with the tax man Don.

I thought you had up to 6 months after the end of the first tax year to register?

[Mike #1]

I am sure those mosey old folks will find someone to help you out with your predicament .

I will feel sorry for the people you might hit in your car and ruin their Fecking life's because your legally uninsured and skint

Hopefully you'll get shopped very very soon

[Walter Mitty]

I am sure those mosey old folks will find someone to help you out with your predicament .

I will feel sorry for the people you might hit in your car and ruin their Fecking life's because your legally uninsured and skint

Hopefully you'll get shopped very very soon

Although I dislike some of what the OP is doing, vehicle insurance need not be an issue.
I cleaned windows the trad way for years without needing commercial insurance - so long as the insurance know that you are using your vehicle in connection with your business.  I used direct line whilst driving first a car, then car derived vans (Nissan Sunny followed by Ford Escorts).  They were happy for me to carry trad tools and latterly, a few containers, so long as I stayed within the weight limits.  When I switched to larger van+tank setup, that was when I had to getmore specialised insurance.  Direct Line lost my business as they didn't offer such cover at that time.
This was all some years ago and things may have changed.

[M & C Window Cleaning]

I cleaned windows the trad way for years without needing commercial insurance - so long as the insurance know that you are using your vehicle in connection with your business.  I used direct line whilst driving first a car, then car derived vans (Nissan Sunny followed by Ford Escorts).  They were happy for me to carry trad tools and latterly, a few containers, so long as I stayed within the weight limits.  When I switched to larger van+tank setup, that was when I had to getmore specialised insurance.  Direct Line lost my business as they didn't offer such cover at that time.
This was all some years ago and things may have changed.

Same with me. They used to cover me under the 'social, domestic, pleasure and getting to and from work' section.
However, I think this may have changed. Over the time I did it, which was some years ago, it became increasingly difficult to find an insurer who would cover me that way even when just carrying a ladder and bucket and a few hand tools. The last time I managed to do it was probably 10 years ago.
Not too long ago I heard of a case where a chap was pulled over for a busted brake light. He happened to be helping a friend with a sandwich delivery service as his van had broken down. When the police noticed a tray of sandwiches on his back seat they queried it and when he told them what he was doing, the first thing they asked him was about his insurance. As he wasn't insured for business use they wouldn't let him continue his journey with them in the car. Sounds ridiculous I know, but it happened.