Ross joined Crunch in early 2018 having completed a journalism course at the University of Portsmouth. As our Content Executive, Ross writes nearly all of the copy you see on our website, in our emails and newsletters, and in many of our Knowledge articles.
SEO is another huge part of Ross’ role here at Crunch, and he enjoys the challenge of maximising the coverage and visibility of our helpful resources.
Ross is an avid gamer and, in his spare time, manages his own personal videogame blog and his own YouTube channel.
A Self Assessment tax return is one of the most significant tax documents you’ll be dealing with when you’re self-employed. Here's what you need to know.
Disaggregation is when business owners try to avoid charging VAT by splitting a business to ensure each operates under the VAT registration threshold.
Can your business claim the £4,000 Employment Allowance towards your NI Bill? Get all the details on eligibility, how much you can claim, and how to claim.
Leaving a steady job to become an IT contractor or IT consultant can be hard, but there are steps you can take to make the transition easier.
Contractors registered under the Construction Industry Scheme (CIS) are required to deduct tax from their payments to subcontractors. We explain how CIS works.
The government’s reform of IR35 rules is forcing many contractors operating personal service companies to review their options.
With more people than ever becoming self-employed, we look at freelancers: who are they, what do they do, and what skills should they have?
Pension contributions are one of the few remaining tax breaks available to limited companies. It makes sense to take advantage of this tax break.
If you're looking to start a business here are all the I’s you'll have to dot, and all the T’s you'll have to cross to give you the best chance of success.|If you're looking to start a business here are all the I’s you'll have to dot, and all the T’s you'll have to cross to give you the best chance of success.
Following changes introduced by HMRC in 2021, responsibility for determining your IR35 status is mostly, the same for both the private & public sectors.
If the time has come to close your business, there's a tax efficient method called a Members’ Voluntary Liquidation - or an MVL for short.
If you're a director of a limited company, you can claim up to £150 as a business expense for a Christmas party - even a virtual one! There are some strict rules, though.
When you set up a limited company, you’ll need to provide your registered office, your business address, and your service address.
Although changes to IR35 have been delayed until April 2021, contractors working through a personal service company still need to have business insurance.
Businesses can benefit from a company car, van or motorcycle. Having a mode of company transport can be invaluable for small businesses.
In 2017, the government introduced two new annual tax allowances: one for trading income (sole trade), and one for income from a property business.
Corporation Tax is the tax levied on the profits of limited companies. But what are the benefits of paying this tax early?
If you’re in the Construction Industry Scheme (CIS) and VAT registered, HMRC are changing how you account for VAT from 1st October 2019.
Child Benefit is a benefit payable to someone responsible for a child under the age of 16, or 20 if they’re in full-time education. Here's the low-down.
Finding work as a freelancer can be tricky. But there's good work on offer if you know where to look - here are a few of our favourite freelance job sites.
Updates to the government's Making Tax Digital (MTD) scheme are coming to VAT, Income Tax and Corporation Tax over the next few years.
As a plumber, you can claim tools and business equipment back as an expense, but how do you what you can and can't claim?
The COVID-19 Recovery Loan Scheme (RLS) officially launched on 6th April 2021, to support businesses as they recover from the disruption caused by COVID-19.
Hiring a third party could open you up to tax and legal pitfalls surrounding their employment status – are they a subcontractor or an employee? We explain.
Everyone knows it’s legal to evade tax but completely illegal to avoid it, right? Wrong. Confused? You’re not the only one, we'll clear up the confusion.
HMRC's recent IR35 email campaign to GSK clients has raised a few eyebrows - but what should you do if HMRC ask for proof of your employment status?
Our ultimate business tips guide covers everything from which hand to hold your drink, to the secret tricks that the most successful people swear by.
Taking care of your small business accounting can be a little daunting for complete newcomers, but the process isn’t as scary as you might think.
It's important to stress-test your small business idea for fatal flaws before you become self-employed. Here at 10 ways to stress-test your idea.
From choosing the best LinkedIn profile picture to nailing your headline, our tips will help freelancers and the self-employed find work on LinkedIn.
Looking to make your passion your business? Hear out these 10 self-employment tips from small business owners and get the ball rolling!
As a contractor or freelancer, you won't have access to Sick Pay if you get ill. Income Protection or Critical Illness Cover could be the solution.
In no particular order, here are 15 personality traits that, when properly harnessed, can lead you to business success!
To avoid a contractual calamity, here are eight must-have clauses for your freelance contract, explained without the jargon.
A sole trader is someone who runs their own business as an individual, and is self-employed. Find out more about how it works in this jargon-free article!
What expenses can you claim when your business attends conferences? We explore the different ways to ensure you're tax-efficient.
Our checklist gives contractors some top tips in securing the perfect projects for themselves. We look at all the things you can do to improve your CV.
Tax credits are an incentive for people to remain in low-waged employment instead of seeking similar benefits in unemployment.
Looking to find your gap in the self-employed market? Here's how do you identify your niche among the self-employed community and stress-test your idea.
For electricians and other tradespeople whose construction careers often live and die by word-of-mouth, struggling to find work can be especially difficult.
Postgraduate Master’s Loans were introduced by the government to help with course fees and living costs while you study a postgraduate master’s course.
A locum doctor can provide work under a variety of different guises, including as a limited company. We take a look at the pros and cons.
Health and wellbeing are important for us all, but when you're self-employed, it can sometimes feel difficult to keep on top of.
Jo Fortune of Lawbite explains how UK SMEs are struggling due to reluctance to get better legal cover, and how doing this can save your business money.
Are you interested in a spot of moonlighting alongside your regular job? Our guide gives you the lowdown on how you can go about this and the pros and cons.
Upload bank transactions in a flash with Crunch's simple and secure Open Banking feeds, with established links with several of the UK's biggest banks.
They say that if you’re waiting for the perfect time, you’ll be waiting forever, and that couldn’t be more true when it comes to starting your own business.
If you’re an undergraduate and looking at the job market with dread, start taking small steps now to earning an income. Here's how.
We asked the members of our self-employed community, Crunch Chorus, to share their experiences of starting a business during the COVID-19 pandemic.
What can you do if you're made redundant, especially in the middle of the COVID-19 pandemic? Don't panic - it could be a great opportunity, here are some options.
Breaking down four of the main late payment excuses you will hear when running your own business, and what you can say and do to overcome them.
You've pitched, landed the job, delivered your work...and now it's time to get your money. But how do you do that? Here's how.
It's no secret the British love tea. But it's also interesting to know that our tea consumption is driving factor for the economy. We explore.
What's the difference between working as a freelancer or working as an agency worker? And what is best for your small business? We take a look.
Those who don't learn from history are condemned to repeat it. If you don’t have an understanding of why businesses fail, your startup is doomed.
What do recruiters do and what are the benefits of joining an agency as a freelancer? We take a look at the pros and cons.
You deserve a holiday - but one in four freelance workers take no annual holiday at all. We explain why you should take a break.
Everyone falls into certain habits when freelancing. Some are good, some are bad. Here are some good ones to help you run your business efficiently.
What's the difference between a Consultant or Contractor? It can make a huge impact to your prestige, and pay! Here's an explanation of the differences.
As a freelance or locum doctor, you are effectively now a business. Discover how to get booked and get the rates you deserve.
Office workers are frequently told that their sedentary lifestyle is causing them injuries, but you'll be surprised by some of the professions on this list.
The decision to jump from a permanent ship to a freelance raft isn’t one best taken in haste. Here's what you should ponder before taking the plunge.
When you're self-employed, health and safety in the workplace isn't always at the forefront of your mind - but it should be.
Late payments can cost you business. Here's a few ways to chase an unpaid invoice without chasing your client away.
Grab our free contractor CV templates and get the day rate your deserve, including tips, tricks and best practice from a professional CV writer!
What is the best way to account for money you have raised through Crowdfunding? We look at the best ways to account for this type of investment.
If you fancy throwing your hat into the ring for certain Government contract jobs, you'll need some form of security clearance. We explain all.
There’s no use trying to avoid it, so here are the stories of successful freelancers who've built careers on top of the wreckage of their first contract.
Setting-up a home office may seem like a big task, but it doesn’t have to set you back big bucks. Read our top tips to setting up on a tight budget.
For freelancers and contractors, having a variety of clients is an exciting and important thing. We look at ways you can manage multiple clients.
Businesses working together to form a bigger power than they could be alone. Here's why you should consider jumping on the bandwagon.
There are some simple ways of estimating what a business is worth that won’t leave you pulling your hair out.
If you're self-employed, you may spend a lot of time thinking about your objectives and goals for the future. We look at the ways you can achieve them.
You've spent weeks on a piece of work and you justifiably want to show it off to prospective clients - what's the best way?
How much should I charge is one of the first questions freelancers ask themselves. We explain how to calculate your day rate.
Successful brands have always told stories about themselves, but how do you tell your story and build your brand? Create better content today!
If you are self-employed, you might think you have a clear answer to this questions. However, it's not as simple as that. We take a look.
Spending hours feeling angry or annoyed or stressed is damaging to your health. Wouldn’t your time be better spent working with a supportive client?
There are several clauses you need to include in contract negotiations, including a kill fee. We take a look at what they are and what you need to know.
Small businesses can ask HMRC for an advance of payments to employees and directors to cover statutory maternity and paternity pay.
A limited company director must keep company records, as well as financial and accounting records. You must keep these records for six years.
Benefits in kind are benefits that employees or directors receive from their company which aren’t included in their salary or wages. They’re also sometimes called ‘perks’ or ‘fringe benefits’. Not all benefits in kind are treated in the same way by the tax system, so here's what you need to know.
Is a Jaffa Cake a cake, or a biscuit? It took a case in court to come up with a full answer. Find out the answer here.
I have been with Crunch for many years. I wanted to express my appreciation for the exceptional services provided by Crunch. Their professionalism, attention to detail, and expertise have been invaluable in managing my finances effectively. Working with them has been a pleasure, and I highly recommend their services to anyone seeking reliable and knowledgeable accountants.
MoreAs someone that’s new to being self employed, Crunch made the whole set up process easy. From my initial call to understand the process, the check ins to see how I was doing to actually going ahead. Once I was set up the support team were amazing at answering the millions of questions I had and they’re always at the end of the phone or email if I need them. I even had a full 45 minute call to walk through the full system which was amazing.
MoreI really appreciated the way the Crunch staff member adjusted to my knowledge and confidence level - which was relatively low. She helped me work out what I needed to do and was incredibly helpful and patient as I went through my interminable snagging list. This has been my experience with Crunch staff in general - but when tasks build up, it's easy to put off direct contact - when, in fact, this makes all the difference.
MoreCrunch boasts over a decade of experience by assisting a plethora of businesses with professional advice and guidance from experts.
Our Knowledge articles, jargon-free business guides, tools and calculators as well as tutorial videos can help answer your questions.
Our free self-employed community, Crunch Chorus, boasts over 71,000 members like you.