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Erivy Accounting Limited, Southampton (2026)

27/11/2025

The Autumn Budget has officially landed and there’s plenty for business owners to unpack.

From frozen tax thresholds and dividend rate hikes to pension changes and new investment incentives, these updates will shape the financial landscape for years to come.

If you’re a limited company director, landlord, high-income earner, or small business owner, this is essential reading.

👉 Swipe through the full report!

And if you’d like tailored advice on how these changes impact your business, drop me a message.

LimitedCompany LandlordLife DividendTax FiscalDrag BusinessGrowth EntrepreneurUK FinanceTips BudgetUpdate TaxStrategy MoneyMatters

27/10/2025

Want to pay yourself the full £12,570 tax-free as a Director,
without getting hit with that pesky £94.57 National Insurance bill? 💸

Here’s the catch (and the clever workaround every female founder should know 👇).

Recent changes mean the Employment Allowance threshold has tightened and if you’re the only person on your payroll (👋 hello, solo-director life), you no longer qualify to claim it.

That means your payroll might now trigger Employer NI contributions… even if it never did before.

But here’s the empowering part, you can take back control of that cost.

👥 Hire someone part-time, a VA, admin assistant, or even a family member doing genuine work in your business.

This adds a second person to your payroll, which re-qualifies your company for the Employment Allowance again.

🙌 Result: you avoid that unnecessary NI bill and still pay yourself the full personal allowance, completely tax-free.

A simple switch that saves money and gives you much-needed support in your business?

Sounds like a win-win for a CEO who values both time and clarity. ✨

Tag a fellow female founder who needs this tip 👇

24/10/2025

Let’s talk about the thing most business owners would rather avoid… 👀

HMRC investigations.

Before you panic, this isn’t a scare story.

HMRC doesn’t only focus on the “big guys.” Their systems use data and algorithms to flag any business that look a little off, even the most careful small business owner.

But here’s the good news: you have more control than you think.

🚩 Common things that can trigger an investigation:
– High expense claims compared to income
– Consistent losses over a few years
– Missing tax returns
– VAT figures that don’t quite match
– (And occasionally… an unhappy ex-employee reporting you 🙄)

The best way to stay confident?
✅ Keep clean, organised records
✅ File on time
✅ Only claim what you’re entitled to

You don’t need to fear HMRC, you just need clarity and confidence in your numbers.

That’s what “Taxes Without Tears” is all about: helping female founders feel empowered and in control of their finances.

💬 Want peace of mind that your accounts could handle any check?

Send me a DM - let’s get your business HMRC-ready, stress-free.

20/10/2025

Ever opened your company accounts and thought, “I should probably understand this… but where do I even start?”

You’re not alone, so many amazing women in business feel the same way. Most of the terms sound like they’ve been pulled from a finance textbook written in another language.

So, here’s your plain-English cheat sheet 👇

📦 Fixed assets - the stuff your business owns and keeps, like your laptop or coffee machine.
🔧 Tangible assets - the things you can actually touch: buildings, equipment, inventory.
💸 Creditors (amounts falling due within one year) - people you owe money to that need paying soon.
📊 Total assets less current liabilities - what’s left once you’ve covered short-term payments.
📈 Capital and reserves - how much your company’s worth after all the maths.
💷 Called up share capital - money that’s been put into the business by shareholders.
📉 Profit and loss account - where you find out if you actually made money or not.
🧾 Accruals - expenses you haven’t paid yet, but still count (like that invoice waiting in your inbox).

If this still feels confusing, you’re not the problem, the language is.

You just need someone who’ll explain things clearly, without the jargon or judgement.

That’s exactly what I do.

💬 Ready to finally feel in control of your business finances? Let’s make it simple together. DM me today.

01/09/2025

Thinking you can quietly make extra income on the side without HMRC noticing?

Think again. 👀

If you're not already aware, since January 2024, platforms like:

🛒 eBay
📦 Etsy
📲 Airbnb
🚘 Vinted
📷 Fiverr & Upwork
📚 Amazon (including Kindle)
💻 PeoplePerHour
📦 Depop
📸 OnlyFans 👀

And many more... (crypto platforms etc.)

are LEGALLY required to report your income directly to HMRC. That means sales and payments over the thresholds set is now logged and visible to HMRC, even if you don’t declare it.

❌ Not declaring this income could mean late penalties or investigations.

✅ Declaring it properly lets you claim expenses and reduce your tax bill.

If you’re freelancing, side hustling, renting out space or selling online, you must report it correctly.

Tip: Set yourself up with simple digital record-keeping NOW so you’re not scrambling later.

💬 I am curious to know have you ever sold on these platforms and wondered whether it counts as taxable income? Drop your question or comment below - you're probably not the only one thinking it!

29/08/2025

Are you self-employed and starting to feel the pressure of changes happening next year?

From April 2026, Making Tax Digital (MTD) will require you to submit quarterly tax updates, plus your annual return.

That’s five filings a year.

💼 More admin
💸 Higher accountancy costs
🧠 Less freedom and flexibility

It’s no surprise that many sole traders are now exploring whether switching to a limited company is the smarter move.

And for some? It is.

But this decision isn’t one-size-fits-all. Before you jump ship too…

👉 Let’s figure out what’s actually right for your business.

I would love to have a chat with you and start planning ahead of the changes.

21/08/2025

Double taxed and totally confused? 😵‍💫

You’re not alone! These are exactly the kinds of conversations I’m having with limited company owners right now, helping them get clear, cut their tax bills, and keep more in their pockets.

Welcome to the limited company life, where you pay tax on your company profits and on the money you take out.

Corporation Tax hits your profits.

Dividend Tax hits your pocket.

But here’s the thing, with a bit of clever planning (👋), you can make the most of:

✅ Your personal allowance
✅ The dividend bands
✅ Your spouse’s allowance
✅ And a whole lot of tax-deductible business expenses

The earlier you plan, the more you save.

👉 Save this post for reference
👉 Or message us if you’re tired of handing more to HMRC than you should…

19/08/2025

💡 Did you know an accountant does far more than just “keep the tax man happy”?

Yes, compliance is important, but that’s only one part of what we do. My role is to help you understand your numbers, plan ahead, and grow your business with confidence.

Here are just some of the services I offer:
✅ Bookkeeping
✅ Payroll
✅ VAT Returns
✅ Year End Accounts
✅ Self Assessment Tax Returns
✅ Cash Flow & Forecasting
✅ Management Accounts

Every business is unique, so I tailor my packages to fit your needs whether you want full support or just help in specific areas.

✨ If you’re ready to stop stressing over finances and start focusing on what you do best, let’s chat.

15/08/2025

✨ Hello again! ✨

Since my first post back in October 2024, I’ve had the joy of connecting with so many incredible business owners. Thank you for being here! 💛

I thought it was time for another little re-introduction 👋

I’m Leigh-Ann, a qualified accountant with over 10 years’ experience in finance. I’m deeply passionate about the work I do, the businesses I support, and most importantly, the amazing people behind them. 💼💬

Fun fact: When I’m not at my desk, you’ll probably find me in the kitchen baking 🍰 or out running 🐌🏃‍♀️ (yes, really!). You'll also definitely find me enjoying coffee ☕️ and cake 🤭

I’d love to get to know you and your business. So if we've not yet said hello (or even if we have said hello, say Hi again!), drop a comment or pop me a message below! Let’s connect 💬✨

13/08/2025

Trust me, I've been there.

Some days, I feel like I am looking at my to-do list, my inbox, or my competitors… and thinking “I should be further ahead by now”

I have to remind myself of these 3 things:

💥 You’re not behind.
💥 You’re not failing.
💥 You’re not the only one feeling this way.

You’re building something from scratch and that takes courage, patience, and a hell of a lot more time than Instagram makes it look like.

Let’s normalise:

✅ Not having it all figured out

✅ Pivoting your prices, offers or services

✅ Needing to take a step back to move forward

✅ Starting again, mid-year, mid-month, mid-Monday

Every successful business owner you admire has had moments where they’ve felt “behind.”

The only difference? They didn’t quit.

So breathe.

Reset.

Rework the plan.

And keep going.

The next breakthrough could be closer than you think.

✨ You’re not late, you’re just early in your journey.

You’ve got this. And we’ve got you. 🙌

If you need support to get your finances or strategy back on track, DM us anytime. We’re here to help.

11/08/2025

Most people expect switching accountants to be stressful.
Ours say:

“Wait, that was it?” 🤯

Our onboarding is smooth, friendly, and designed to give you total transparency without the confusion, overwhelm, or endless email threads.

☕ Step 1: We chat
📃 Step 2: You get a tailored proposal
🔄 Step 3: We handle the handover
📈 Step 4: You get financial clarity + support that actually helps you grow

No waffle. No confusion. Just peace of mind from day one.

📩 Ready to make the switch? Let’s talk.

Erivy Accounting Limited

27/11/2025

27/10/2025

24/10/2025

20/10/2025

01/09/2025

29/08/2025

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