Grass & Holm

Grass & Holm Chartered Accountant and Business Developer Chartered accountant and business developer with an holistic approach to your business.

Offering a full service, 21st century practice.

Car tax rules have recently changed. Here is a comprehensive breakdown of the new rules,
29/05/2026

Car tax rules have recently changed. Here is a comprehensive breakdown of the new rules,

Find the latest information on this year's upcoming tax bands. Read our guide containing an easy-to-follow table and how any changes can impact you.

Consumer confidence has seen its sharpest drop since 2022 and households across the UK are once again tightening spendin...
21/05/2026

Consumer confidence has seen its sharpest drop since 2022 and households across the UK are once again tightening spending.

For SMEs and those running their own businesses, this matters.

When consumers become more cautious, businesses often feel it quickly:
• Reduced discretionary spending
• Longer sales cycles
• Increased pressure on cash flow
• Greater uncertainty around forecasting and investment decisions

This is exactly why having a good accountant or financial adviser around you is so important.

Not just at year end or for compliance, but as a strategic partner who can help you:
• Understand your cash position clearly
• Forecast different trading scenarios
• Identify unnecessary costs
• Manage tax efficiently
• Protect profitability during uncertain periods
• Plan ahead rather than react under pressure

In uncertain economic climates, visibility matters.

The businesses that navigate these periods best are often the ones with strong financial oversight, good planning and access to trusted advice before problems arise - not after.

For business owners, resilience isn’t just about winning new work. It’s also about understanding your numbers well enough to make confident decisions when the market shifts.

PwC survey reports fast fall in consumer confidence with people worried about Iran war’s impact on economy and personal finances

Career paths have definitely changed over time. Nowadays dynamic, non-linear career paths are shaped by skills and adapt...
07/05/2026

Career paths have definitely changed over time. Nowadays dynamic, non-linear career paths are shaped by skills and adaptability.

After 10 years of analysing top companies, LinkedIn has seen that employers are adapting: hiring for experience and capabilities over credentials alone, whilst also investing in internal mobility and rethinking employees’ skills and flexibility.

If you're wondering what makes a Top Company in 2026, it's worth reviewing this list and taking note.

If your company still runs like it did 10 years ago, you’ve got a problem. Back then, the rules were simple: Show up. Get the degree. Climb the ladder. Stay put. That version of work has changed. Today, it's all about dynamic, non-linear career paths shaped by skills and adaptability. And it plays...

The inheritance tax landscape is changing and for family businesses and farms, the implications are significant.Effectiv...
10/04/2026

The inheritance tax landscape is changing and for family businesses and farms, the implications are significant.

Effective this week, a £2.5m threshold now applies before agricultural and business property qualifies for 100% IHT relief. For many owners and families, that changes the conversation around succession entirely.

Looking ahead to April 2027, unused pension funds and death benefits will also be drawn into the taxable estate — a fundamental shift in how pensions are treated, moving them firmly away from wealth transfer and back towards their original purpose as a retirement income vehicle.

Taken together, these aren't simply policy tweaks. They're a prompt to review ownership structures, revisit succession plans, and make sure long-term intentions are still protected under the new rules.

Happy to discuss how these changes might affect you.

A new inheritance tax regime for UK farms and family businesses took effect on Monday.

If you are a UK national living in Spain it is important to be aware of these key tax documents before filing in 2026.
02/04/2026

If you are a UK national living in Spain it is important to be aware of these key tax documents before filing in 2026.

UK residents in Spain warned to check this key tax document before the 2026 tax season to avoid errors and delays.

The UK’s new anti-profiteering framework aims to give regulators more power to challenge price hikes linked to the Middl...
27/03/2026

The UK’s new anti-profiteering framework aims to give regulators more power to challenge price hikes linked to the Middle East conflict, particularly around energy. At the same time, the government is engaging supermarkets and banks to explore how they can better support consumers.

On the surface, that might feel like a positive step but for small businesses, it adds another layer of complexity.

Here’s why this matters:

Pricing pressure is tightening

Cash flow becomes more fragile

Customer sensitivity is increasing

Planning needs to be more dynamic than ever

For small businesses, this isn’t just about policy, it’s about resilience.

Those who stay close to their numbers, understand their cost drivers and communicate transparently with customers will be in a stronger position to navigate what’s coming next.

Households across Britain set to benefit as Chancellor acts on food prices, energy bills and profiteering – taking action on cost of living pressures while securing Britain's long-term energy independence.

Whether it’s buying and selling clothes online or some freelance work on the side, this article gives valuable advice on...
20/03/2026

Whether it’s buying and selling clothes online or some freelance work on the side, this article gives valuable advice on how to plan ahead to make sure you are tax compliant.

Whether it’s buying and selling clothes online or some freelance work on the side, plan ahead for potential tax issues

From petrol prices to mortgage rates, the US-Israeli war with Iran has already had an impact on people's finances in the...
12/03/2026

From petrol prices to mortgage rates, the US-Israeli war with Iran has already had an impact on people's finances in the UK.

How deep and sustained that turns out to be depends on the duration of the conflict and how quickly supply lines and economies can recover.

This article looks at some of the areas to watch out for.

The conflict in the Middle East could raise the cost of petrol, household energy bills and even food.

The Chancellor’s Spring Statement this week was more of an economic update than a major policy announcement. There were ...
05/03/2026

The Chancellor’s Spring Statement this week was more of an economic update than a major policy announcement.

There were no new tax changes, but the latest forecasts still offer important insight into what could affect your finances in the years ahead.

Key takeaways for households and business owners:

• The government says real household disposable income could rise, leaving the average household around £1,000 better off a year by the next election (after inflation).
• Economic growth has been downgraded for 2026, reflecting continued global uncertainty.
• Unemployment is expected to rise slightly this year before easing later in the decade.
• The overall tax burden is forecast to reach a historic high by 2030, meaning many households could still feel pressure on their finances.

What does this mean for you?

While there were no immediate tax changes, the wider economic outlook still matters. Inflation, wage growth, interest rates and tax thresholds will all influence how much money households and businesses actually keep.

At Grass & Holm, we encourage clients to review their finances regularly so they can plan ahead, manage tax efficiently and stay resilient in a changing economic environment.

If you’d like to discuss how the latest economic changes could affect you or your business, we’re always happy to help.

Among the data and projections are key figures that shine a light on prospects for your finances.

The number of people on zero-hours contracts in the UK has reached a record high - 1.23 million workers as of December -...
26/02/2026

The number of people on zero-hours contracts in the UK has reached a record high - 1.23 million workers as of December - just months before the government moves to tighten regulation under the Employment Rights Act.

The data highlights continued reliance on flexible, and often highly precarious, contracts - particularly among young people and those outside full-time education.

For businesses, this is more than a labour market headline.

Upcoming reforms around guaranteed hours and reasonable notice of shifts could have significant implications for:

• Workforce planning
• Payroll structures
• Cash flow forecasting
• Employment status reviews
• Contract drafting and compliance

If your organisation relies on flexible staffing models, now is the time to review arrangements and model potential cost impacts before changes take effect.

For workers, greater certainty brings welcome stability.
For employers, preparation will be key.

At Grass & Holm, we’re advising clients to take a proactive approach - understanding exposure, reviewing contracts, and ensuring financial planning reflects evolving employment legislation.

Policy changes rarely feel urgent… until they are.

Early action protects both compliance and cash flow.

There has been a 181,000 increase in the number of zero-hours contracts since Labour was elected.

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