Changes to VAT Filing

Changes to VAT Filing

Big changes are underway in how you file your VAT returns, with the introduction of Making Tax Digital. Here’s some advice from Jones Harris Accountants about the changes to VAT filing and what you need to do.

Are you on top of the changes to VAT filing?

Are you registered for VAT? If you are, with a turnover above the £85,000 threshold for VAT, you should already have this in hand.

From 1 April 2019 you will have to submit your return in a way that links it to the governments Making Tax Digital system (MTD).

In reality, this means that you will need to use an accounts software package. This means that the data from your spreadsheet is linked to the VAT filing software and HMRC can collect accurate information. Software packages include Kashflow, Xero, Quickbooks etc.

What about Spreadsheets?

‘Software’ doesn’t include spreadsheets. They are a problem for the MTD system. Cutting and pasting data from a spreadsheet isn’t sufficient for MTD purposes.

If you are using spreadsheets to complete your business accounts you will need to swap to a software package. HMRC have said they will allow a period of grace for businesses to make the switch. You will need to have digital links in place by 31 March 2020.

Do you need help?

Jones Harris Accountants, based at Fleetwood, also offer a bookkeeping service. They can do your bookkeeping on a monthly basis – which would be one big job less!

If you’re struggling to sort out your own MTD compliance, get in touch with Jones Harris for a no-obligation chat on 01253 874255 (and please mention that you saw it on Visit Fylde Coast, thanks!)

Points Based Penalties coming with Making Tax Digital

Are you VAT registered? Are you ready for Making Tax Digital? Here’s an advance warning of what you need to do, from Jones Harris Accountants.

Making Tax Digital (MTD) is coming into effect from April 2019. Initially all VAT registered businesses will required to submit electronic summarised accounts to HMRC, online every three months. Eventually ALL businesses, including landlords, with turnover over £10,000 a year will be affected.

HMRC has also outlined a significant change to the way they will be levying penalties for late filing breaches under the MTD regulations.Their intention is to give a penalty point for each transgression, and then award a fixed penalty fine for a certain number of points. So if you miss a three month deadline you’ll receive a point. They are also introducing an amended penalty for deliberately withholding information from HMRC which would enable them to assess your tax liability. These penalties are based on a percentage of the tax due and can be reduced based on your willingness to correct information submitted in the past.Of course this new system is similar to that for driving offences. The difference being that there’s no suggestion that if you gather enough points to pay tax penalties you will then be banned from paying tax…

More about Making Tax Digital

Making Tax Digital (MTD) comes into force, first for all VAT registered businesses, from April 2019. It means that ALL businesses, including landlords, with turnover over £10,000 a year will eventually be required to submit summarised accounts to HMRC, online every three months.

The April 2019 launch will only apply to VAT registered traders. More specifically, MTD will apply to businesses who have a turnover above the VAT threshold – the smallest businesses will not be required to use the system yet, although they can choose to do so voluntarily.

For the thousands of small businesses who are the backbone of the UK economy this will be a big change. ‘Making Tax Digital’ has been described as the most significant change since the introduction of Self Assessment, almost twenty years ago.

It means that you need to keep your books up to date throughout the year – there’ll be no more panicking your way through a carrier bag full of receipts at the end of the year. It might mean that you need a smarter, easier way of keeping your books – for example by using an accountancy software package.

Live pilot studies are already being carried out and the first businesses have started keeping digital records and providing updates to HMRC to test and develop the MTD service for income tax and NICs.

From April 2019, businesses above the VAT threshold will be mandated to keep their records digitally and provide quarterly updates to HMRC for their VAT.

Help is at Hand from Jones Harris Accountants

Here at Jones Harris we’ve been closely following the development of this new legal requirement and are in the process of adapting our systems to allow a smooth transition. You can rest assured that we will be doing everything that we can to help and assist our clients in the run up to the introduction and we will be talking to everyone who will be affected before the relevant dates.

If you’ve been completing and submitting your own tax returns but considering using the services of an accountant, now might be the time to do something and then the quarterly returns can be submitted on your behalf.

If you aren’t already a client and would like to talk to us about how we can help you with your bookkeeping and accounts please get in touch with us for a no obligation chat.

We can offer you a complete, end to end service which includes a competitively priced bookkeeping service, the preparation of year end accounts and tax returns, and Making Tax Digital returns when they are required. Then you can spend your time working on your business rather than in your business.

Just ring 01253 874255 (and please mention that you saw it on Visit Fylde Coast, thanks!)

When is a Hobby a Taxable Trade?

Car Boot Sale

Many people have hobbies like car-booting, or crafting, or buying and selling on eBay – often you start out by attending events and then catch the bug and join in by making and doing things which could earn you a bit of extra cash.

It’s surprising how much this all can add up, especially if you are particularly good at it – you might have a fantastic eye for a bargain and a knack for making money!

At some point though, if you have got that knack for turning base metal into gold, your hobby will pass over the line from a ‘bit of pin money’ into a regular source of income and being classed as a ‘trade’ – which you should be declaring to HMRC and paying tax on.

How do you know when you’re running a business?

HMRC follows the guidelines below called “the badges of trade” which helps them to decide whether you’re running a part-time hobby that creates an income stream, or a business that needs to be declared on an annual tax return:

1. An intention to make a profit supports trading, but by itself is not conclusive.

2. Is the asset of such a type or amount that it can only be turned to advantage by a sale? Or did it yield an income or give ‘pride of possession’, for example, a picture for personal enjoyment?

3. Transactions that are similar to those of an existing trade may themselves be trading.

4. Was the asset repaired, modified or improved to make it more easily saleable or saleable at a greater profit?

5. Was the asset sold in a way that was typical of trading organisations? Or, did it have to be sold to raise cash for an emergency?

6. Was money borrowed to buy the asset? Could the funds only be repaid by selling the asset?

7. Assets that are the subject of trade will normally, but not always, be sold quickly. If the intention is to resell an item shortly after purchase that’s trading. Or if you’re going to keep it indefinitely, it’s much less likely.

8. An asset that is acquired by inheritance, or as a gift, is less likely to be the subject of trade.

These are some of the ways in which HMRC will decide whether or not you are running a business or passing your time on a Sunday.

One thing that will probably help you to decide whether your income should be declared is to know that from April 2017, the government is to introduce a new £1,000 allowance for property income and a £1,000 allowance for trading income.

If you’ve got property/rental income or your ‘hobby’ earns you an income below £1,000 you will no longer need to declare or pay tax on that income.

If your income is over £1000 then you do need to declare it. Don’t forget that your income is the amount of profit which you’ve made, so take off all your expenses and the cost of buying things which you then sell to find out just how much money you’ve made.

If you’d like some advice just get in touch with us here at Jones Harris Accountants for a no-obligation chat. We help all kinds of individuals and businesses large and small with their accounts and financial queries, and we’re sure to be able to help you.

Should you be paid the National Minimum Wage?

Some advice from Jones Harris Accountants about paying, and claiming, the National Minimum Wage. And what to do if you’re a worker who’s being underpaid.

HMRC recently urged underpaid workers to complain. Figures show that the number of workers getting the money they’re owed by employers has doubled after their interventions and 200,000 have already received back pay.

In 2017-18, HMRC investigators apparently identified £15.6 million in pay, owed to more than 200,000 of the UK’s lowest paid workers. Are you one of them?

Complain online if you’re an underpaid worker

HMRC’s online complaints service has contributed to the 132% increase in the number of complaints received, and the amount of money HMRC has been able to recoup for those unfairly underpaid.

The government has launched its annual advertising campaign again. It’s designed to encourage you to act if you’re not receiving the National Living Wage or the National Minimum Wage.

Industries most affected include restaurants, bars, hotels and hairdressing. There are plenty of all of them along the Fylde Coast.

What should you do if you’re being underpaid?

If you’re not receiving at least the minimum wage you can fill in an online pay and work rights complaints form.

It’s your employers responsibility, no matter how big or small they are, to pay you the correct wage. Failing to do so can result in fines of 200% of the arrears, public naming and, for the worst offences, criminal prosecution.

From 1 April 2018, the government’s National Living Wage rate increased by 33p to £7.83 per hour for those aged 25 and over.

You can find the current National Minimum Wage rates here.

If you would like some advice about payroll and how the National Minimum Wage affects your own business, then get in touch with Jones Harris Accountants for a no-obligation chat. And please mention that you saw it on Visit Fylde Coast!

How to Pay the Right Amount of Inheritance Tax

‘Nothing can be said to be certain, except death and taxes’. Understand the rules and make sure that you don’t pay too much Inheritance Tax, with advice from Jones Harris Accountants Fleetwood

‘Nothing can be said to be certain, except death and taxes’, said Benjamin Franklin in 1789. Add the two together and the sum of the parts is Inheritance Tax. How to make sure you pay the right amount of inheritance tax is a question which you should be asking.

How to pay the right amount of inheritance tax

We should all pay the taxes which we are legally required to pay, you can take that as a given. However, it could be said that too many people are paying too much inheritance tax – simply because they don’t understand the rules.

Understand the rules and pay the right amount of inheritance tax

Here at Jones Harris Accountants we have an experienced team of tax experts who can answer all your questions in detail. There are some common general misconceptions which you might like to consider. When you understand the rules you can make sure you pay the right amount of inheritance tax.

For example, did you know that you can gift tax free to spouses and civil partners? And that it’s also possible to make annual cash donations without incurring tax? There are various sliding scales of what counts as a taxable gift in the seven years before your death. We can explain all the details.

The benefits of giving your house away before your death is another commonly asked question. As you might expect this is another area where different rules apply in different circumstances. Again, we have all the answers about what’s best for you here at Jones Harris Accountants.

One commonly held belief is that cohabiting couples have rights over property as a surviving spouse. They may have rights in other areas, but in this case they don’t. Millions of couples who live together could benefit to the tune of billions if they were to have a civil partnership. Until the rules are reformed it makes sense to make sure that your affairs are in order.

Watch out with pensions too. Although the benefits from most pension schemes aren’t subject to IHT, HMRC are on the lookout and challenging cases where they think fit. Particularly where transfers have been made in the months before an individuals death.

To fail to plan…

If your estate, or that of a loved one, is likely to accrue Inheritance Tax charges, it only makes sense to take advice before it becomes a problem.

Here at Jones Harris we have an experienced team of tax experts who can provide the detail around how each of these scenarios would apply to you. They can help you to formulate a plan so that your family and loved ones won’t be penalised after your death.

Why don’t you get in touch with us at Jones Harris for a no-obligation chat? Just ring 01253 874255 (and please mention that you saw it on Visit Fylde Coast, thanks!)

Tax Payment Time

As all our self-assessment readers will be aware, 31 January is the date by which any arrears of tax for 2017-18 need to be settled, together with a payment on account for 2018-19, if one is due.

Those who have completed their tax returns for 2017-18 should be aware what these liabilities amount to and any clients reading this article who are unsure what they should be paying, please call so that we can advise in good time.

If you have cash problems and are unable to clear tax due on the 31 January, you can approach HMRC for extended terms. Should you miss the payment deadline and receive a letter or bill threatening legal action, call the HMRC office that sent you the letter.

Before you call be sure to estimate how much you can pay on account and you will normally need to clear any balance before any future payments on account become due (ordinarily this would be before 31 July 2019 when the second payment on account for 2018-19 falls due).

And don’t forget, HMRC will charge interest on tax paid late and penalties so make your call before the 31st January 2019 to minimise these costs.

What’s a Reasonable Excuse for Not Filing a Tax Return?

Failure to submit a tax return will likely trigger late filing penalties and unfortunately, pleading ignorance of your obligations to file “nil” returns is not a reasonable excuse. HMRC is still required to obtain certain returns from you, even if there is no income or tax to declare. Here’s some guidance, from Jones Harris Accountants, Fleetwood.

Which begs the question, what is a reasonable excuse for not filing a tax return?

HMRC had published what may, and what will not, be considered excusable. They say:

A reasonable excuse is something that stopped you meeting a tax obligation that you took reasonable care to meet, for example:

  • your partner or another close relative died shortly before the tax return or payment deadline,
  • you had an unexpected stay in hospital that prevented you from dealing with your tax affairs,
  • you had a serious or life-threatening illness,
  • your computer or software failed just before or while you were preparing your online return,
  • service issues with HM Revenue and Customs (HMRC) online services,
  • a fire, flood or theft prevented you from completing your tax return,
  • postal delays that you couldn’t have predicted,
  • delays related to a disability you have.

You must send your return or payment as soon as possible after your reasonable excuse is resolved.

What won’t count as a reasonable excuse are situations where:

  • you relied on someone else to send your return and they didn’t,
  • your cheque bounced, or payment failed because you didn’t have enough money,
  • you found the HMRC online system too difficult to use,
  • you didn’t get a reminder from HMRC,
  • you made a mistake on your tax return.

Often, failure to file is not a deliberate act. Unfortunately, appealing against what you consider to be an unreasonable stance by HMRC is not that simple, and ignoring the issue is not the way to go.

If you find yourself in dispute with HMRC on a late filing challenge, we can help. Please call us at Jones Harris so that we can discuss your options.

Just ring 01253 874255 (and please mention that you saw it on Visit Fylde Coast, thanks!)

A Minute with your Tax Code

We’ve published articles before, advising that people should check that their tax codes are correct, and with the revelation that around 3.2m are incorrect, you can see how it really could be you.

Tax Codes

A report from the National Audit Office revealed that between April 14 and October 2015, 3.2m people were issued with an incorrect tax code – which a minute or two of checking could pick up. Some of these inaccuracies will mean that people have a nice surprise ahead in the form of a refund. However, if you are in the ‘nasty shock’ category after having paid too little tax, it’s best to know about it sooner rather than later and reduce the size of the back payment…

Don’t think you’ll get away with it if you owe HMRC money through a mistake which they’ve made in your tax code as it’s your legal responsibility to make sure that you pay the right amount of tax. If you owe them less than £50 they may write it off. An amount of less than £3000 would be collected via your pay packet with a tax code adjustment. If you are one of the really unlucky ones (or have had your head in the sand for a very long time) and you owe HMRC more than £3000 you should ask for a repayment plan.

Where you or your employees rarely change jobs and have steady personal circumstances, the tax code will tick along from year to year, requiring little more than a cursory glance to make sure that the figures are consistent.

However, errors can be common when people change jobs or maybe do more than one job, after retirement if some employment continues or where a personal pension is received, if there are other personal circumstances where additional payments are collected through your tax code, or even if someone has just typed in the wrong figures.

If you operate a payroll department, the accuracy of the deductions which you make are based on the accuracy of the employees tax code – so while you will have knowledge about who is in receipt of work based benefits like company cars, it’s also important that they check other aspects of their code which you wouldn’t have knowledge about. Otherwise, small errors in the digits of the tax code can lead to significant errors in the money which they pay.

The Money Saving Expert website has a free, handy online tax code checker which gives you an overview of whether your tax code is likely to be right for your age, earnings and personal circumstances. It’s worth having a look at your own, and sending out a reminder to employees to have a look at theirs.

One final word on our favourite subject about scams – HMRC will never send you an email to say that you are due a tax rebate, so any which you do receive will be a scam. Normal rules apply – whatever you do, don’t click on any attachments or links, and under no circumstances send a reply or any personal details.

Here at Jones Harris we like to make sure that you are kept up to speed with different kinds of business and financial advice. If you aren’t already a client and you’ve got a business, or maybe you are retired but have complicated financial affairs, in which case why don’t you get in touch for a no-obligation chat?

Did you really start a business because you wanted to keep accounts?

If the answer to that question is yes, your business has to be either in bookkeeping or accountancy!

Bookkeeping help from Jones Harris Accountants

However, if yours is one of the 4.1 million UK businesses which don’t employ people it’s likely that you started a business for freedom, flexibility, the ability to float your own boat, do things your way, work around the kids/granny/dog… but not to sit for hours on end each week, keeping accounts and doing paperwork!

Whether you want your business to grow at the speed of light, or whether you just want to earn enough to live, good bookkeeping and accounts are vital to making sure that you are actually on the right path and making a profit for your efforts.

Not only does good paperwork enable you to complete your year-end returns to the tax man efficiently, accurately and without penalty, it also allows you to follow and understand the health of your business, flagging up any timely adjustments to products/pricing/procedures which you need to make.

How much is your time worth?

You should know how much your time is worth when it comes to working out how much to charge your customers. Have you ever looked at how much time it takes you to do your books and worked out how much your time is costing you?

How much would you be willing to pay to release the time you spend doing your bookkeeping to get your evenings or weekends back? Or how much more could you earn if they were able to use the time released to concentrate on the parts of your business which generates income?

As much or as little help as you need

Here at Jones Harris Accountants we can provide a seamless bookkeeping-service from receipt to tax return and everything else in between.

How much support you choose to access is entirely up to you – with cloud based software that our bookkeepers are now using, you can still keep abreast of your bank balances, who you owe money to – and perhaps more importantly who owes money to you!

We can also remove the stress of VAT returns and payroll, all carried out under one roof with named individuals to speak to who are familiar with your business. It’s likely that you haven’t had such detailed information before, and it could make a significant difference to the health of your business.

Not as expensive as you might think

With online cloud based software starting from as little as £10 a month, and our Sole Trader Compliance service from just £35 a month (which includes calculating and submitting your self-assessment tax return) you’ll get the experience and ability of a large firm of accountants from Jones Harris without paying an eye watering price. And you can pay by monthly direct debit too and spread the cost.

Why don’t you get in touch for a no-obligation chat about Jones Harris could help your business? (If you do, please mention that you saw it on this website!)

Bookkeeping Service at Jones Harris Chartered Accountants

Jones Harris now have an in-house, full book-keeping facility to supplement our core suite of accountancy and tax services.

Jones Harris bookkeeping team with Director Stewart Case
Jones Harris Bookkeeping Team with Director Stewart Case

Make yourself more hours in a day

Let’s face it, you don’t start a business because you’re thrilled by the idea of ‘doing the books’. You start a business to earn a living, to use your skills and experience – and doing the books is a necessary part of that.

You could be the best mechanic/hairdresser/web designer/chef in the world, but if you can’t keep a track on your business finances then you aren’t going to survive for very long. It doesn’t matter whether you lack the ability, time or inclination, you can outsource all of your bookkeeping requirements to us here at Jones Harris Accountants.

We can create a tailored solution which best suits you and your business needs. We can continue to use your existing systems and software, or we can provide advice about better and more efficient methods, which might include cloud accounting. You can rest assured that it will be the best and simplest method for you!

Depending on the size of your business and your accountancy requirements you may need to send your paperwork to us once a quarter, or we can come to your own premises and work on site. We can provide an end-to-end service from receipt to tax return, and complete your VAT returns. Or you might want to do the bookkeeping yourself but need some advice as to what records you should keep and maybe some training.

Good bookkeeping doesn’t just make your life easier – it also highlights problems quickly and timely solutions can then be found. It also means that less time will be taken in preparing your year end accounts which means lower charges.

All your accounts looked after under one roof

Our Fleetwood based practice has brought in-house the bookkeeping function previously provided by North West Business Support Centre Ltd, to offer a fully streamlined accounting function for businesses of all shapes and sizes, all under one roof. It also provides an exciting opportunity to offer cloud-based accounting software options allowing you direct access to crucial information from within your business to help you with decision making.

As part of the reorganisation three new members of staff are welcomed to the Jones Harris team. Alison MacDonald, Lesley Thomson and Jemma Hill bring years of experience with them and are comfortable with all bookkeeping systems including the newer cloud based packages like Xero or Kashflow.

Director Stewart Case (pictured above) said “We’ve also taken the step of becoming a Xero Certified Practice because we recognise that the future of accountancy lies in the cloud. For over forty years Jones Harris has been known for the high quality of its advice and service when it comes to accountancy, tax and business matters. A business can only been successful for so long by adapting, and that’s exactly what we’re doing right now.”

For many owner operated businesses the pressure of running a business often means that bookkeeping, although vital, is the last task to be completed. That doesn’t help the health of the business and in fact can be a contributing factor to business failure. With 50% of new businesses reportedly failing in the first couple of years, it’s a problem that they can do without.

Stewart added “Good book-keeping is vitally important to business success, along with the information which monthly accounts provide, which is why we’ve taken this step to enable us to provide a better, more comprehensive service which will support the continuity, growth and success of businesses right here on the Fylde Coast.”

Would you like to know more? Then why not get in touch now (and please mention Visit Fylde Coast)

Best Accountants in the North West – and that’s Official!

Whether you’re already a client of Jones Harris or have heard about us in the press, you’ll have seen some of the things which we do to add value to our service to you and which set us apart from all the other accountants out there. Well now our claims have been endorsed with the news that we’ve won a prestigious award.

Jones Harris win Accountancy Firm of the Year Award

On Thursday 25 September all our efforts to go the extra mile for each and every one of our clients were rewarded when we scooped the prize for the Accountancy Firm of the Year with up to Five Partners at the North West Finance Awards.

Nominated by Lloyds Bank, our application joined a total of well over 100 nominations from a variety of sectors of industry and a geographical area spreading from Cumbria to Cheshire.

The application process asked for evidence based information from the business to provide evidence and demonstrate how we add value in a number of key areas, including:

  • Innovative approaches to business generation and retention
  • Working with clients to improve their business performance
  • Going beyond the norm to exceed expectations
  • Adding value to the wider financial community
  • Training and development of staff

Our entry was scrutinised by a panel of nine professional industry experts drawn from leading private business and including all the finance industry governing bodies, so we were pleased to have made the final shortlist of seven and be invited to the glittering presentation evening at the Macron Stadium at Bolton.

Directors Charles Bryning, Martin Wigley and Stewart Case went along to the awards ceremony with Business Development Manager Jim Baker, and enjoyed an evening celebrating an illustrious roll-call of glittering careers including many different types of achievements from within the finance industry.

Much to our delight, Jones Harris Accountants was declared the winners of the Accountancy Firm of the Year with up to Five Partners. Along with all the other winners on the night, we couldn’t have been more pleased with our own success, and the judges comment “This practice has worked hard over a period of years to adapt their systems to suit their clients’ needs first and foremost”

This Award is all about how we add value to clients. It demonstrates and endorses that we do what we say when we claim to go the extra mile – we’re not just saying it – we’ve now got the award to prove it. The judges voted unanimously for Jones Harris and our pitch was described as head and shoulders above the other nominees in our class.

This award is rightly for all members of the team and recognises how each of them make a vital contribution to delivering the service which our clients demand from us. The award goes some way to rewarding that dedication to service which we’ve always strived to deliver here at Jones Harris and it reflects how that work is recognised in the North West business community.

Finding the right accountants can seem daunting, but at Jones Harris we take the worry out of getting your personal and business finances in order.

You’ll find that a professional and friendly approach, coupled with a deep seated commitment to providing the best service possible and unique working practices differentiates Jones Harris from other firms of accountants.

Our expertise has made us the Fylde Coast Chartered Accountants of choice for all kinds of businesses. From our Fleetwood offices at St Peters Place, at Jones Harris we specialise in advising and helping to grow owner managed businesses and SME companies from existing businesses or start up situations.

Services for your business from Jones Harris Accountants

Whether you are an individual with complicated financial affairs, a small business, or a huge company, at Jones Harris we will offer you an excellent service with the best in advice and support. We see our role as one that extends past that of simply filling in statutory paperwork, and we are on hand to provide advice and review your situation to make the best of current legislation and financial rules.

Martin Wigley, Director at Jones Harris
Martin Wigley, Director at Jones Harris

Uniquely, with 1000 clients on our books, we also refer clients to each other and network them together. From a client list which is so large, there are always companies who can help each other, in many varied ways.

So if you like things to be done properly and value good service, and to know that you are in good and competent hands, then Jones Harris are for you.

Business advisors and taxation specialist. Proper accountants for proper businesses.

Jones Harris Accountants offer a full range of accountancy services:

  • Company secretarial
  • Preparation and audit of accounts
  • Tax planning
  • Tax investigation
  • Financial Reporting
  • Bookkeeping and payroll is offered through our sister company The North West Business Support Centre

Jones Harris Chartered Financial Planning is a joint venture between Jones Harris Chartered Accountants and True Bearing Chartered Financial Advisers – whose advisers are among the most qualified in the UK today.

Whether you are looking to review your current arrangements, or establish a new financial plan, we will be able to give you clear direction and peace of mind. We can help you to plan for your financial future in the most tax efficient ways possible.

For more information just get in touch. The contact details are all on this page.

On the Jones Harris website you’ll find much more information about the company and the people who work here and make it tick. Have a look at the News feed for regularly updated articles about what goes on inside the company, with stories from the office, events that we hold at Jones Harris, plus financial hints and tips.

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