Anjali.accountant

04/03/2026

All the multitasker business owners and working mums tag me in if you are one! 🫡

03/03/2026

02/03/2026

Busy on site… but still in overdraft? 🚧

If you’re a construction contractor under £500k turnover, the issue usually isn’t workload.

It’s pricing, cost control and margin leaks.

We’re launching our Construction Profit Fix Program to help contractors move from busy to profitable.

🔥 Discounted setup for the first 10 contractors only.

DM BUILD if you’re serious.

18/12/2025

🎄 A genuinely wonderful Christmas for one of our clients

One of our clients is a company director who, for several years, paid herself a salary within the personal allowance and therefore paid no income tax.

Last year, she started a new job alongside her directorship and suddenly received a tax bill of over £4,000. Not exactly festive.

We spotted the issue and advised her to have tax deducted at source on her director remuneration going forward.

Fast forward to this year. Because a significant portion of her tax had already been paid on account, she received the full amount back.

A stressful situation turned into a very happy outcome and a much lighter Christmas. 🎁

04/12/2025

Buy time for yourself and family, and you’ll free the space to create what you’re meant to create 🤍

01/12/2025

Are you a contractor?

Here are 5 common mistakes that quietly drain your profits and tighten your cash flow.

These are patterns I see repeatedly in construction accounting, and avoiding them can save you serious money.
1. Underestimating project costs
2. Unapproved or unbilled change orders
3. Billing too late
4. Not prequalifying your project team
5. Missing red flags in contracts

I’m sharpening my expertise every day to support this industry better. Always learning, always adding value. Happy Monday.

If you’ve made any of these mistakes, drop a 👍 and I’ll send you the construction accounting tips I use with my contractor clients.

27/11/2025

Autumn Budget wrap up for contractors!

26/11/2025

Accounting vs Construction Accounting: Why One Is Neat And The Other Is A Full-Blown Beast

Most businesses can budget in a pretty predictable way. Take a restaurant. Their stock comes from regular suppliers. Everything sits in the same storage. Staffing stays fairly consistent. Client flow is steady with the occasional spike during events.
Their budgeting is built around the business as a whole: staff costs, groceries, rent, utilities. Straightforward.

Construction? That world laughs in the face of “straightforward.”

Every project is its own universe.
Subcontractors, materials, equipment, delivery logistics, storage, timelines, cost overruns, retention, variations, purchase orders. Nothing is consistent from one project to the next. Even the infrastructure and staffing change depending on the job.

A contractor might be working on:
• a small residential extension
• a full renovation
• a mid-range build
• or converting a single home into multiple units

Each project needs its own budget, its own cost controls, its own profit analysis. An extension might require a small labour team and modest materials. A conversion project? Completely different scale, costs, risks, and timelines.

This is why accounting for construction businesses isn’t just “accounting.”
It demands a deep understanding of project-based costing, CIS complexities, cashflow swings, retention rules, subcontractor management, and constant budget recalibration.

Honestly, construction isn’t a business.
It’s a beast.

And accountants who work in this space need to know exactly how to tame it.

25/11/2025

A client said to me recently, completely fed up:
“I have no money in my account and I still have to pay tax?”

Honestly, I get it. Small business owners feel this more than anyone.

But here’s the part nobody enjoys hearing: tax doesn’t care what’s in your bank account.
It’s based on profit, not cash. And for a lot of small businesses, there isn’t a fancy “tax planning budget” to make things feel easier.

You don’t need a complex plan.
You just need discipline with one simple habit:

Create a tax pot.
Your VAT, CIS, PAYE, Corporation Tax… they all live there. Every time money comes in, move the right percentage out. Treat it like it never existed.

Will there still be times when cash is tight? Yes.
And if the tax bill hits when the cash isn’t there, don’t panic. Get a Time to Pay arrangement.
What you should never do is ignore it and let penalties pile on. That’s how small problems become disasters.

Small steps. Clear habits. No unnecessary drama.

20/11/2025

FREE Finance health check 📢

Want to know what your business tells you?

DM me three magic numbers

1. Revenue
2. Net profit
3. Tax bill

And I will tell you how your business is doing for below:

1. Is your pricing ok?
2. Is your business expenses all covered from the prices you charged.
3. Are you paying the right tax.
4. Possible errors in record keeping.

Give me three magic numbers and I will tell you your business story

19/11/2025

When I look back at my younger self, I see a curious child with a mind full of questions and absolutely no idea what “ambition” even meant.

I often wish our education system taught us more than memorising essays and formulas. I wish it showed us the real value of life: meeting different people, understanding our strengths and weaknesses, and learning how to express who we are with confidence.

I wish I had been encouraged to shape my natural crafts instead of chasing grades.
To solve problems, not recite answers.
To discover what I was good at, not just what I could memorise.

Some lessons come late, but they still come.
And now, I’m learning to rebuild the foundations I should’ve been given.

Curiosity was always there.
The tools to shape it just took a little longer to find.

17/11/2025

A lot of learning, a lot of discomforts BUT I am still here

Showing up online hasn’t been easy for me. I’m naturally introverted, and posting consistently felt awkward at the start. But I made a decision two years ago: if I want my work to reach the people it can genuinely help, hiding won’t get me there.

So I kept going.

Not every post performed. Not every idea landed. But every once in a while, someone would reach out and say a post helped them understand something better or made their workload a little easier. And that’s enough to remind me why I’m here.

I’m still learning. Still improving. Still experimenting.

If you’ve been following, engaging, or even silently reading my posts over the last two years, thank you. Every bit of engagement matters, and I appreciate it.

Here’s to year three: clearer content, more value, and better conversations. 🤍