HM Finance Coaching

29/01/2026

📆2 more sleeps until 31st January!

Today you’re going to pay the tax and you’re going to CHOOSE how you feel about it.

Most people dread this bit. It’s why most business owners feel the way they do about the return in the first place!

Whether you have tax to pay or not, how you feel about it is simply a matter of perspective!

👉 Tax to pay – we put it off until the last minute.

👉 No tax due – doing the return is a hassle but, like the dishes, we get it out the way so we can have a nice clean & tidy space (physically & mentally).

👉 Refund due – the return is filed in April or May!

So, to CHANGE your perspective:

🙏 Invite in gratitude for all the income you received.

🙏 Invite in gratitude for having (some…) of the tax money put aside.

🙏 Invite in gratitude for what your tax pays for (NHS, education, public transport, business grants, etc).

Ready? Now tick off the last item on your checklist:

☑️ Paid the tax

🆘 If you need more guidance with changing how you feel about paying your tax, either get yourself a copy of ‘The Magical Mix of Money & Tax’ or download the ⭐FREE⭐ guide ‘Why do I have to pay tax?’ https://hmfinance.sellfy.store/p/what-to-do-when-you-really-dislike-paying-tax

21/01/2026

📆10 more sleeps until 31st January!

Are you feeling joyful, angry, disgusted, sad, embarrassed, envious, bored, sad, fearful or anxious about your tax return, your tax bill or both?😟 Let’s change how you feel😊...

👉 Have you taken a note of all your sales and expenses in the tax year? If so, congratulate yourself and skip to step 4️⃣! Otherwise, start at step 1️⃣ ↓

Step 1️⃣: Acknowledge that putting off the moment of truth only makes matters worse. Take a slow in-breath and out-breath.

Step 2️⃣: Take a step forward in time to 1st February. Imagine how you’ll feel once it’s all over. Sit with that feeling for two minutes. Take a deep breath and let it out slowly, then gently come back to today.

Step 3️⃣: Now let’s get started. Look over our previous posts or download our step-by-step guide if you’re stuck (see 👇). Take a few breaks if it gets overwhelming but keep returning until you’ve gathered a note of all your business sales and expenses in the tax year.

Step 4️⃣: Congratulate yourself👏 then log back into the government gateway portal. Starting from where you left it last time, answer each question in turn. Take a note of any questions you’re not sure of but, in the meantime, take a guess so you can keep moving forward.

Step 5️⃣: Take a few breaks if it gets overwhelming but keep returning to it until it’s fully drafted, taking a note of anything you still need to check.

👉 We’ll be back next week with another action but, if you’d like some support in the meantime, check out this guide written specially to help you do your tax return: https://hmfinance.sellfy.store/p/your-personal-step-by-step-guide-to-filing-your-tax-return-uk-only/

15/01/2026

📆16 more sleeps until 31st January!

Are you feeling a mixture of sadness and anxiety about that tax bill? Let’s change how you feel...

👉 We’re assuming you’ve taken a note of all your sales in the tax year. If not, please go do that now.

Step 1️⃣: Congratulate yourself for pulling together the taxable income, whether it was a lot more than what you thought or a lot less. Take a deep breath and let it out slowly.

Step 2️⃣: Acknowledge that putting off the moment of truth only makes it worse. Take another slow in-breath and out-breath.

Step 3️⃣: Get out your paperwork or log into your accounting software. Start pulling together your expenses.

Step 4️⃣: Take a few breaks if it gets overwhelming but always return then pat yourself on the back when it’s complete.

👉 We’ll be back next week with another action but if you would like some support in the meantime check out our guide written especially for helping you do your tax return!

13/01/2026

📆18 more sleeps until 31st January!

Are you feeling lucky or worried about that tax bill? If it’s the latter, let’s change how you feel about that…

Step 1️⃣: Acknowledge you’re not sure if you have enough savings for the tax bill. Take a deep breath and let it out slowly.

Step 2️⃣: Acknowledge that putting off the moment of truth only makes it worse. Take another slow in-breath and out-breath.

Step 3️⃣: Get out your paperwork or log into your accounting software. Start pulling together your income.

Step 4️⃣: Take a few breaks if it gets overwhelming but always return then pat yourself on the back when it’s complete.

👉 We’ll be back in a couple of days with another action but if you would like some support in the meantime check out our guide written especially for helping you do your tax return for 99p!

https://hmfinance.sellfy.store/p/your-personal-step-by-step-guide-to-filing-your-tax-return-uk-only/

11/12/2025

Christmas outing.

24/04/2025

Our online shop is now offering a free guide, our famous millionaire bookmarks, a wad of cash :wink:, our tax guides, books (one of which is free), and our equally famous psychological sales guide! Check it out:

https://hmfinance.sellfy.store

11/04/2025

Filing last minute is the norm BUT it doesn't have to be! We've just filed our first tax return for 24/25 (and company P11D) and here's what the client says.

01/04/2025

Are you a Midlothian business looking for some tactics and tips?Helen is doing an online session with Business Gateway Midlothian on 8th April (Tuesday) chatting about the National Insurance changes, what impact they may have on your business and the strategic opportunities to realise financial savings and efficiencies within your business. Book now!

https://locateinmidlothian.co.uk/growth-tactics-and-financial-resilience-for-midlothian-businesses/

Join Financial Resilience expert, Helen Monaghan, to discover the opportunities to realise financial savings & efficiencies in your business.

19/12/2024

One more day left in the office for us until we close up for the holidays. Wishing you a vey Merry Christmas and a great New Year.

Margaret and Helen x

19/11/2024

Do you know which documents you need to keep for tax purposes (and for how long)? Check your knowledge here:

https://financialresiliencehub.co.uk/keeping-paperwork-and-receipts/