Concrete Accounts

Concrete Accounts 💼 Helping Business Owners get financial clarity
📊 Easy tax and accounting strategies that actually work
📞 We even work for you for free ⬇️
(2)

18/06/2026

Something significant just happened that most people are completely ignoring.

For the first time in history the State Pension has risen so high at £12,547.60 that it is now almost equal to the Personal Allowance of £12,570. A difference of just £22.40.

We are now in a reality where a pensioner who has worked and contributed for 40 years is just £22 away from paying income tax on their state benefit.

And if they have even a small private pension, some savings interest or a part time job on top of that they are already being hit with a 20% tax bill on money they spent decades paying into.

This did not happen overnight. The personal allowance has been frozen since 2021 while the state pension keeps rising with the triple lock. The gap closes a little more every single year.

For anyone approaching retirement or with parents nearing pension age this is worth understanding now before it becomes a surprise tax bill.

Click the link in bio to book a free call and let's make sure your retirement income is structured as efficiently as possible 👇

17/06/2026

☕ Coffee Break Taxes

From April 2026 the approved mileage rate increased to 55p per mile. The first increase in 15 years.

That means for the first 10,000 business miles you can claim up to £5,500 completely tax free.

The only catch is you have to actually track your trips. Every single one.

If you are driving for work and not logging your mileage you are leaving free money on the table every single month.

Comment EXPENSES to get our free list of 50 expenses most UK business owners miss 👇

16/06/2026

Most people assume inheritance tax is unavoidable. It is not. Wealthy families have been quietly using these strategies for years and every single one of them is completely legal.

The 7 Year Rule. Gift any amount. Live 7 years and it is IHT free. Pass sooner and taper relief reduces the rate.

Annual Exemption. £3,000 per year immediately exempt from IHT. Carry forward one unused year and that becomes £6,000.

Small Gifts. £250 per person, unlimited people, every single year. Immediately exempt with no strings attached.

Wedding Gifts. £5,000 to a child. £2,500 to grandchildren. £1,000 to anyone else. All IHT exempt.

The Big One. Regular gifts made from surplus income are immediately IHT exempt with no 7 year wait required. If you earn £60,000 and spend £45,000 gifting that £15,000 surplus removes it from your estate instantly.

There are three rules you must follow to qualify and major changes are coming in April 2027. The window to use these strategies properly is closing faster than most people realise.

Click the link in bio to book a free call and let's make sure your estate is structured properly before the rules change 👇

15/06/2026

This is not a theory. HMRC agents are specifically trained to look at social media as part of their investigation process.

They have a name for what they are looking for. Lifestyle inconsistency.
That is when what you post online does not match what you have declared to HMRC.

Luxury holidays. Designer purchases. New cars. Property. Assets. If those things are appearing on your feed but not on your tax return you are a red flag.

And HMRC does not just use Instagram. They run a system called Connect which pulls data from your bank, your employer, Land Registry, DVLA and your social media. If that full picture does not match your tax return they come knocking.

The solution is not to stop posting. It is to make sure what you are posting matches what you are declaring.

If you are not sure your tax return reflects your actual income that is exactly what we help with.

Click the link in bio to book a free call 👇

12/06/2026

Sold an old jumper on Depop for £4.38? HMRC wants a word.

Your nan pressed a fiver into your hand as you were leaving? They know. They are taxing that too. And if she does it again without declaring it they will be having words with her.

You babysat for your mate Sean and he paid you in spaghetti bolognese? 20% of that spag bol. In the post. By Friday.

Meanwhile the hedge funds and the loopholes and the offshore structures? Yeah they will get round to that.

The point is HMRC has more data than most people realise and they are paying attention to more than you think.

If they are watching you this closely you probably need an accountant.

Click the link in bio to book a free call 👇

12/06/2026

If you have no income you pay no tax. The ultra wealthy figured this out a long time ago.

Elon Musk never took a salary at Tesla. He took stock options instead. When those shares were worth billions he did not sell them because selling triggers tax.

Instead he walked into a bank and said he owned billions in Tesla stock and asked them to lend against it. They said yes.

He now has cash to spend. Zero income declared. Zero income tax paid. Just interest on the loan which at his level is significantly cheaper than a tax bill.

Salary means income means tax. A loan is not income so there is no tax.

The game is not avoiding tax. It is never triggering it in the first place.

You may not be moving billions around but there are legal ways to structure your income so you keep significantly more of it right here in the UK.

Click the link in bio to book a free call and let's look at what is possible for your situation 👇

11/06/2026

Nobody teaches you this stuff in school. Here are 15 money rules that would have changed everything 👇

Pay yourself first. Before bills, before fun, move money into savings the moment it lands.

Your income is not your wealth. What you keep and invest is.

Lifestyle creep is the silent killer. Every time your income goes up your expenses do not have to.

An emergency fund is not optional. Three to six months of expenses, sitting untouched.

Debt is not all equal. High interest debt destroys wealth. Low interest debt can build it.

Time in the market beats timing the market. Every single time.

Compound interest works both ways. For you in investments, against you in debt.

Your pension is not someone else's problem. Start contributing as early as possible.

A budget is not a restriction. It is permission to spend without guilt.

Tax is not fixed. The right structure changes everything you keep.

Your biggest expense is probably tax. Learn how it works or pay someone who does.

Never make financial decisions based on fear or greed. Both are expensive.

Net worth matters more than salary. Build assets, not just income.

Investing in yourself has the highest return. Skills, knowledge and health compound too.

The best time to start was yesterday. The second best time is right now.

Comment TRACKER to get our free Tax Deduction Tracker and start keeping more of what you earn 👇

11/06/2026

No sales pitch. No invoice. Just an honest answer.

If that is worth 20 minutes of your time, click the link in bio to book a free call

10/06/2026

This is the most tax efficient way to pay yourself as a limited company director in 2026 👇

£12,570 salary — uses your full personal allowance, keeps NI to zero
£37,700 dividends — taxed at the basic rate dividend rate of 8.75%
£50,270 total income

Personal tax you actually pay:
£0 income tax
£0 employee national insurance
£3,999 dividend tax
Take home pay = £46,271

That means on £50,270 of income you are only paying £3,999 in personal tax. An effective rate of just 7.9%.

Most directors are not set up like this. Either the salary is too high and they are paying unnecessary NI, or they are leaving too much in the company because nobody has told them the right structure.
This is exactly what we review in every new client onboarding — and for most people we find significant savings straight away.

Comment CALCULATOR to get our free Sole Trader vs Limited Company Calculator and see how your current setup compares 👇

10/06/2026

Here is something the tax system really does not want explained this clearly.

Technically — billionaires have no money.

Their wealth sits in stocks. And until those stocks are sold they are called unrealised gains. You cannot tax a gain that has not been realised yet. That is the law.

Worth billions. Earning nothing. Paying nothing.

So when Elon Musk bought Twitter for £44 billion he did not sell his Tesla shares — that would have triggered a massive tax bill and crashed his own stock price. Instead he walked into a bank and borrowed against his shares as collateral.

He bought a £44 billion company using something he had never sold and never been taxed on as security for a loan he will repay using future untaxed stock.

Worth ≠ earn.

Meanwhile you get paid a salary and HMRC takes their cut before the money even reaches your account.

The game is not avoiding tax. It is never triggering it in the first place.

Follow for more things the tax system really does not want explained this clearly 👇

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