أفضل بودكاسات I Hate Numbers (2025)

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Class 2 National Insurance Wrongly Charged 7:43

3d ago7:43

7:43

In this episode of the I Hate Numbers podcast, we shine a light on a common but costly issue—Class 2 National Insurance wrongly charged by HMRC. Thousands of self-employed people and small business owners are impacted each year. We’ll explain why it happens, how it affects your state pension and benefits, and the exact steps you should take to put …

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Turn Your Garage Into Tax-Free Cash 7:00

10d ago7:00

7:00

Many people have unused space that could generate extra income. But before you start renting out your garage or driveway, you need to understand the tax implications. In this episode of the I Hate Numbers podcast, we explain how to keep it legal and tax-efficient while boosting your earnings. What You’ll Learn in This Episode The UK tax rules for r…

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Stop Waiting for HMRC: Join Making Tax Digital Early 9:25

17d ago9:25

9:25

Making Tax Digital for Income Tax may sound technical, but we break it down simply. In this episode, we share what MTD for ITSA is, who needs to comply, when it starts, and how to prepare effectively. If you’re a sole trader, landlord, or small business owner, this episode is essential listening. What You’ll Learn in This Episode What Making Tax Di…

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Illegal Dividends: Avoid 33.75% Tax and Big Penalties 9:19

24d ago9:19

9:19

Illegal dividends sound complicated, but we break them down in simple terms. In this episode, we share what counts as an illegal dividend, why they happen, and the steps you can take to avoid expensive problems. If you’re a company director or shareholder, this is essential listening. What You’ll Learn in This Episode What an illegal dividend is an…

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Reward Staff (and Yourself) Tax-Free with Trivial Benefits 7:00

1M ago7:00

7:00

Trivial benefits are a great way to reward staff and directors without adding tax or National Insurance to the bill. In this episode of the I Hate Numbers podcast, we explain what trivial benefits are, the rules that must be followed, and how they can be used effectively in 2025. This is about giving without the tax sting. Main Topics & Discussion …

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Five Tax-Free Health & Welfare Benefits Employers Can Offer 7:47

1M ago7:47

7:47

In this episode of I Hate Numbers, we’re diving into five powerful tax-free health and welfare benefits that employers can offer to their team. Whether you run a small business, creative agency, or a social enterprise, these perks can boost morale, reduce stress, and keep you compliant — all without adding to your tax bill. From annual health check…

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UK & Overseas Property Business: Tax Rules You Need to Know 7:22

2M ago7:22

7:22

Property taxes can be confusing—especially when dealing with both UK and overseas rentals. In this episode of the I Hate Numbers podcast, Mahmood simplifies the rules for landlords, including how to report income, claim expenses, and avoid common mistakes that cost money. Main Topics & Discussion UK Property Income Tax applies to rental income from…

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When You Should Register for VAT (and How to Do It) in 2025 11:11

2M ago11:11

11:11

Main Topics & Discussion VAT Registration Triggers You must register when taxable turnover exceeds £90,000 in any rolling 12-month period. Also required if you expect turnover to exceed £90,000 in the next 30 days. Applies to sole traders, partnerships, CICs, and limited companies—even overseas businesses selling to UK customers. What Counts as Tax…

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Directors’ NICs: Make It Work for You in 2025–26 11:57

2M ago11:57

11:57

National Insurance Contributions (NICs) work differently for company directors—and misunderstanding them can cost you. In this episode of the I Hate Numbers podcast, we walk through the 2025–26 rules, salary thresholds, and two key methods of NIC calculation. Whether you take a regular wage or one-off payments, knowing how to handle director NICs c…

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Should You Ever Work for Free? A Smart Business Strategy or a Red Flag? 9:37

2M ago9:37

9:37

“Can you do it for exposure?” If you've heard that before, you’re not alone. Whether you’re a designer, coach, accountant, or small business owner, requests for free work are common—and controversial. In this episode of the I Hate Numbers podcast, we unpack when working for free makes sense, when it hurts your business, and how to navigate those tr…

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How to Start With Success in Business (2025 Update) 10:48

2M ago10:48

10:48

Thinking of starting your own business? Whether it's for freedom, profits, or making an impact, success begins with clarity and preparation. In this week's episode of the I Hate Numbers podcast, we explore how to start with success in mind—and avoid the common pitfalls that derail so many new businesses. Drawing from decades of real-world experienc…

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Single Director? Here’s How to Claim the 2025 Employment Allowance 9:47

3M ago9:47

9:47

The Hidden Tax Saving for Single Director Companies Are you a sole director of your own limited company? Do you follow the typical model—small salary, dividends, smart tax planning? If so, today's episode of the I Hate Numbers podcast is essential listening. Many think the Employment Allowance is off-limits for single director companies. But with t…

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Avoid Last-Minute Tax Stress: 10 Early Filing Benefits for 2024–25 9:44

3M ago9:44

9:44

Let’s be honest—nobody looks forward to tax season. However, leaving your return until January could mean unnecessary stress, missed opportunities, or even money left on the table. Filing your 2024-25 tax return early, on the other hand, brings more than peace of mind. It gives you financial clarity, greater control, and even potential savings. In …

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Voluntary VAT Registration: Smart Strategy or Costly Mistake 8:57

3M ago8:57

8:57

Voluntary VAT registration might sound crazy - why become an unpaid tax collector before you legally have to? But this proactive strategy could put thousands of pounds back in your pocket. This episode reveals when voluntary VAT registration makes sense and how it could benefit your growing business. We explore five compelling reasons to consider e…

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STOP Losing Money! How PAYE Employees Can Claim Tax Relief Online 9:28

3M ago9:28

9:28

Are you a PAYE employee spending your own money to do your job without getting reimbursed? You could be missing out on money that's legally yours through tax relief claims. This episode of the I Hate Numbers podcast breaks down everything you need to know about claiming work expenses online using HMRC's updated system. We explore what qualifies for…

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Making Tax Digital and Incorporation: Everything You Need to Know about the 2026 Changes 12:16

4M ago12:16

12:16

Making Tax Digital represents HMRC's ambitious plan to bring tax reporting into the digital age. Consequently, we're facing significant changes that will affect thousands of self-employed individuals and landlords across the UK. Moreover, these changes are no longer a distant possibility but a concrete reality with confirmed implementation dates. T…

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Cloud Accounting: What It Is and Why Your Business Needs It 10:02

4M ago10:02

10:02

Transforming Business Finance Management Cloud accounting is changing how business owners manage their finances. Accordingly, we want to explain why this shift matters for freelancers and entrepreneurs who often avoid financial management until it's too late. Furthermore, understanding this technology can save you time, money, and stress in running…

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HMRC's Invisible Crackdown: What Business Owners Need to Know 9:27

4M ago9:27

9:27

Business ownership comes with numerous responsibilities, especially when it comes to tax compliance. Moreover, as HMRC intensifies its digital surveillance capabilities, staying ahead of tax requirements has never been more crucial. The Digital Detective Has Arrived Previously, HMRC relied on basic methods like paper trails and manual checks. Howev…

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Business Ownership Beyond the Balance Sheet: The Human Side 5:40

5M ago5:40

5:40

Business ownership begins with much more than spreadsheets and profit margins. Furthermore, it encompasses a deeply human experience filled with challenges, triumphs, and countless learning moments. Additionally, this episode of Numbers Know How explores what truly matters when steering your business ship through both calm and stormy waters. The Ca…

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Economies of Scale: Lowering Costs as Your Business Grows 11:55

5M ago11:55

11:55

Economies of scale is a concept that all businesses should understand, regardless of size. Basically, it means saving money as your business grows. As your operation expands, the average cost of producing each item or delivering each service decreases. Furthermore, this principle applies to businesses of all types. Whether you run a small bakery, m…

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Trust: The Foundation of Every Successful Business 9:08

5M ago9:08

9:08

Trust forms the cornerstone of every thriving business relationship. Although many focus on profits and growth, this fundamental quality ultimately determines long-term success. Consequently, businesses that prioritize building strong relationships create deeper connections with customers, employees, and suppliers alike. Think about your own experi…

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Overtrading: The Hidden Danger of Rapid Business Growth 7:41

5M ago7:41

7:41

Overtrading can destroy even profitable businesses when growth happens too quickly. Although most business owners aim for growth, we often overlook the risks that come with rapid expansion. Furthermore, this week's episode explores why managing your growth carefully is essential for long-term success. What Is Overtrading? Overtrading occurs when a …

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Financial Accountability: Why It Matters in Business 7:34

5M ago7:34

7:34

Financial accountability is more than tracking money—it is the compass that keeps our business heading toward the right destination. Evidently, without clear direction, we risk getting lost in daily chaos. However, when we embrace responsibility for our numbers, we take control of our journey. Planning With Purpose Firstly, running a business witho…

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Jargon: Why Understanding Financial Terms Matters 6:23

6M ago6:23

6:23

Why Financial Jargon Feels Like a Foreign Language Jargon can make financial discussions feel like navigating an unfamiliar country without knowing the language. Additionally, many business owners struggle with terms like equity, liquidity, and ROI, which can lead to confusion and uncertainty. However, understanding the basics helps us take control…

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Passion: Why It’s Not Enough to Succeed in Business 6:26

6M ago6:26

6:26

Passion vs. Practicality Passion may spark a business idea, but it is never enough to guarantee success. Many believe that following their passion automatically leads to profit. However, without planning, effort, and strategy, businesses struggle to survive. Therefore, we must approach business with a mindset that values numbers, structure, and sus…

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Hiring: The Cost and Benefits 9:56

6M ago9:56

9:56

Hiring staff is a significant decision for any business. We know that it comes with both opportunities and challenges. In this episode, we will break down the costs and benefits of hiring employees versus freelancers. Additionally, we will explore why making the right choices can have a major impact on your business’s growth. Why Should You Conside…

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PAYE: How It Started and Why It Matters 9:40

6M ago9:40

9:40

PAYE (Pay As You Earn) is a cornerstone of the UK tax system. Whether you’re an employer or an employee, understanding how it works is crucial. Since its introduction in 1944, it has simplified tax collection by taking income tax, National Insurance, and other deductions directly from wages. The system continues to play a vital role today, and we’r…

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Business Ownership: Facing the Lonely Road with Confidence 5:09

7M ago5:09

5:09

Understanding the Isolation of Business Ownership Business ownership often feels like a solitary journey. Although we set out with excitement and purpose, the weight of responsibilities can make the road feel isolating. Despite having a clear vision, the daily challenges of managing operations, making decisions, and handling setbacks can feel overw…

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Financial Jargon: Breaking It Down for Business Success 2:24

7M ago2:24

2:24

Understanding Financial Jargon Financial jargon can often feel overwhelming. However, learning these terms is crucial for business success. Comparatively, understanding financial terms is like tending to a garden—each concept plays a role in keeping your business healthy. Additionally, knowing these terms allows us to make better financial decision…

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VAT in the UK: How It Works and How to Stay Compliant 13:04

7M ago13:04

13:04

VAT in the UK is a crucial tax that affects businesses and consumers alike. It applies to most goods and services, making it essential for companies to understand their obligations. Furthermore, businesses must register for VAT if their taxable turnover exceeds the threshold set by HMRC. However, voluntary registration can also provide advantages, …

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UK Business Taxes: Understanding Your Tax Obligations 11:20

7M ago11:20

11:20

UK business taxes impact every company, regardless of size or industry. Accordingly, understanding tax obligations helps businesses plan effectively. Additionally, knowing the different taxes applicable ensures compliance while avoiding penalties. Types of UK Business Taxes Corporation Tax Corporation tax applies to limited companies on their profi…

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Tax basics for self employed: What You Need to Know 13:12

8M ago13:12

13:12

Tax basics for self employed individuals are crucial for managing finances effectively. Unlike employees, we handle our own tax affairs, meaning we must register with the tax authorities, keep accurate records, and file tax returns on time. Additionally, we need to calculate tax payments correctly to avoid penalties. Because financial planning is e…

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What to do if you can’t pay your tax bill? 11:00

8M ago11:00

11:00

What to do if you can’t pay your tax bill is a challenge many face, but there are solutions. Firstly, it’s important to stay calm and take action immediately. Ignoring the issue will only make matters worse. Additionally, remember that tax authorities are usually willing to help when approached. Communication is key. Options to Manage Your Tax Bill…

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Forecasting: How to Predict Your Cash Flow Like a Pro 6:14

8M ago6:14

6:14

Forecasting is crucial for running a successful business because it helps us look ahead and prepare for potential challenges effectively and strategically. While understanding historical performance is important, we must equally focus on what lies ahead and adapt to evolving circumstances. Specifically, forecasting cash flow ensures we minimise ris…

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Cashflow Management: Essential Strategies for Your Business 5:50

8M ago5:50

5:50

Cashflow management is undeniably critical for the survival of any business. Although profits may sustain you temporarily, businesses cannot thrive without steady cash flow. Consequently, managing cashflow ensures that your business can handle unforeseen expenses, adapt to changing circumstances, and maintain financial stability. Build a Safety Net…

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Billing Mistakes: Tips to Avoid Payment Delays 6:11

9M ago6:11

6:11

Billing mistakes can severely harm your cash flow and lead to unnecessary stress for your business. Because of poor billing practices, many small business owners find themselves struggling to keep their financial health intact. Consequently, addressing these issues early can make a significant difference in maintaining smooth operations. Irregular …

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Dividend Paperwork and Documentation 5:20

9M ago5:20

5:20

Dividend paperwork and documentation are crucial for ensuring compliance with legal regulations. Certainly, adhering to the Companies Act is non-negotiable for limited companies, regardless of size or shareholder structure. Proper records not only safeguard you during audits but also provide clarity for future financial decisions. Accordingly, main…

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Dividends and the Director’s Loan Account 9:12

9M ago9:12

9:12

Dividends and the Director’s Loan Account are essential topics for any business owner who operates through a limited company. Firstly, dividends represent payments made to shareholders from a company's post-tax profits. Unlike wages, dividends do not attract National Insurance contributions. Consequently, they are a tax-efficient way to reward shar…

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VAT Reverse Charging in the UK 8:58

9M ago8:58

8:58

VAT reverse charging fundamentally shifts the responsibility of VAT accounting from the seller to the buyer. Unlike traditional VAT transactions where sellers collect and pay VAT to HMRC, the buyer handles the VAT declaration instead. Consequently, this mechanism prevents VAT fraud by eliminating the risk of sellers disappearing with VAT payments o…

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Tax Treatment for Limited Companies 12:01

9M ago12:01

12:01

Tax treatment for limited companies plays a significant role in financial planning and compliance. Additionally, understanding the tax rules can help businesses optimise their finances while meeting their obligations. Basically, limited companies have unique responsibilities and opportunities compared to other business structures. Corporation Tax a…

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Tax treatment for Sole Traders Explained 10:13

10M ago10:13

10:13

Understanding the tax treatment for sole traders in the United Kingdom is crucial for managing your business finances effectively. Sole traders, unlike limited companies, operate without legal separation between personal and business finances. This structure may be simpler, but it comes with unique tax obligations. What It Means to Be a Sole Trader…

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Sole Trader or Limited Company: Decide What’s Best 9:00

10M ago9:00

9:00

Sole Trader or Limited Company—this is one of the most significant decisions you'll face as a business owner. Each option has its own advantages and challenges. However, understanding how these choices impact your business can save you from costly mistakes. The Sole Trader Advantage A sole trader business is straightforward to set up. Because you a…

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Bad Business Habits: 4 Habits you need to overcome 9:04

10M ago9:04

9:04

In this episode, we explore Bad Business Habits that can slowly but surely undermine growth and profitability. Surprisingly, many business owners develop unproductive habits without fully realising their long-term effects. Accordingly, addressing these bad business habits is essential for building a sustainable and thriving enterprise, no matter th…

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Dormant Accounts: Essential Compliance Tips for Directors 7:10

10M ago7:10

7:10

Dormant accounts play a significant role in business compliance, especially for company directors. When a company is dormant, it’s essential to understand both the Companies House and HMRC perspectives. Although both consider dormancy differently, each perspective brings specific obligations. Accordingly, directors must navigate these to avoid fine…

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Shareholders and Directors: Who Does What? 9:32

11M ago9:32

9:32

Shareholders and directors each have unique roles and responsibilities within a company, yet people often confuse the two. As we discuss this in the episode, we aim to clarify these distinctions for UK companies. However, these principles apply broadly to companies outside the UK as well. Defining Shareholders and Directors Firstly, shareholders ar…

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Responsibilities of a Director 7:10

11M ago7:10

7:10

Responsibilities of a Director in a limited company carry both exciting opportunities and substantial responsibilities. Whether we are leading a small business or a larger organisation, being a director means understanding our role fully. Directors in the UK, regardless of sector, must prioritise compliance and the company’s success. Acting Within …

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Transfering to Cloud Accounting 11:48

11M ago11:48

11:48

Transferring to cloud accounting is a game changer for businesses today. It undoubtedly streamlines financial operations while providing real-time data and insights. Consequently, businesses can manage their finances more efficiently, ensuring smoother cash flow and more accurate reporting. Additionally, with cloud accounting, teams can access thei…

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Cloud Accounting Myths: Debunking Common Misconceptions 8:51

11M ago8:51

8:51

Cloud accounting myths often deter businesses from embracing this efficient financial solution. We understand that hesitation can stem from misconceptions surrounding cloud accounting. However, we are here to clarify these myths and demonstrate how cloud accounting can significantly benefit businesses of all sizes. Myth 1: Only Large Businesses Can…

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Cloud Accounting: Embracing the Future of Financial Management 9:19

12M ago9:19

9:19

Cloud accounting is undeniably transforming the way businesses manage their finances. Whether you're running a small business or a large enterprise, this technology offers a smarter, more efficient way to stay on top of your financials. Accordingly, in this week's episode of the I Hate Numbers podcast, we explore the essential benefits of adopting …

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Self-Belief in Business: Avoiding Arrogance and Complacency 14:10

12M ago14:10

14:10

Self-belief is crucial when it comes to succeeding in business. Undeniably, it can shape how we approach opportunities and challenges alike. Without confidence, even the best plans might falter because hesitation tends to slow progress. Thus, building and maintaining self-belief becomes essential for achieving long-term goals. The Role of Self-Beli…

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