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A 報告（する）／憶測 by the 国家の Audit Office (NAO) 設立する that taxpayers spent 7 million hours - 同等（の） to 798 years - waiting to speak with HMRC in the 2022-23 税金 year, up from 3.2million hours in 2019-20. The 普通の／平均（する） waiting time 増加するd from 11:24 minutes to 13:48 minutes over the same period, によれば the public spending 監視者. And the 状況／情勢 appears to be より悪くするing, as the NAO 設立する that the 普通の／平均（する） wait time in the first 11 months of 2023-24 had reached 23 minutes.
There are トンs of misconceptions about Gen Z, おもに that they are lazy, する権利を与えるd and don't want to work. That's not true, they just need managing better, says Tim Armoo.
In our 必須の guide to 商売／仕事 energy, we explain how 商業の 契約s 異なる from 国内の 法案s, what you might 支払う／賃金, and how to compare energy 取引，協定s.
More 商売／仕事s are 移行ing to a hybrid approach, by working from home a few days a week or moving into a co-working space. We explain how you can work remotely without any hiccups, and make sure you stay as 安全な as possible.
I'm a painter and decorator and in the spring and summer of 2023, I did some work for 王室の Life, a holiday home company. I was paid in part, but am still 借りがあるd £4,500. すぐに after my work finished, the company went into 行政. I spoke to the 行政官／管理者s but they said I didn't have a （人命などを）奪う，主張する because I invoiced for my work before the company went into 行政. Is there any way I can still get my money? I'm 特に annoyed because the company's former director, Robert Bull, seems to still be living the high life even though he was 宣言するd 破産者／倒産した.
Harpin has been there, done that - and now wants to 株 his 決まり文句／製法 with other aspiring moguls. He is letting the world into his eight secrets for creating a billion-続けざまに猛撃する 商売／仕事.
Smaller breweries have been 攻撃する，衝突する 特に hard by rising 利益／興味 率s and higher costs, with many relying on 負債 to 財政／金融 器具／備品, raw 構成要素s and in some 事例／患者s, operating costs.
While other Chinese retailers like Shein have shaken up the 急速な／放蕩な fashion e-商業 model, Miniso has gone 長，率いる first into 小売 蓄える／店s in the UK. Inside its dazzling pink 蓄える／店s, Miniso 申し込む／申し出s its 顧客s cheap lifestyle 製品s, 同様に as plushies, arts and （手先の）技術s, and most recently beauty.
Pop-Up Club was 設立するd in 2017 to 供給する new 小売 商売／仕事s, typically 単独の 仲買人s, with a physical space to sell their wares.
Raj Dhonota, who was in the first season of Lord Sugar's BBC show, 設立する success in 商売／仕事 but has been 宣言するd 破産者／倒産した twice. Now he is looking to 開始する，打ち上げる a new 投機・賭ける in the US.
Oliver Cookson 開始する，打ち上げるd MyProtein in 2004 with just £500, before selling it to THG for millions a few years later. Now he wants to take on a new 産業, but can he replicate the same success?
The internet is 十分な of 商売／仕事 advice. Some good, some bad, and some on TikTok. To help you navigate the minefield, Tim Armoo mythbusts five 商売／仕事 ideas.
There has been a 14% 増加する in 消極的な opinion に向かって HMRC, compared to October last year, によれば the 協会 of 借り切る／憲章d Certified Accountants.
The threshold at which 商売／仕事s have to 登録（する） for 付加価値税 has been raised to £90,000, as part of a 一括 of 対策 発表するd in the 予算. The 現在の threshold of £85,000 has 直面するd 批評 for putting unnecessary 圧力 and 官僚主義 on small 商売／仕事s. So how have 商売／仕事 leaders 反応するd to the uplift in the 付加価値税 threshold and does it go far enough?
インフレーション, unmanageable energy 法案s and rising staff costs mean it is impossible for small 会社／堅いs to 投資する in growth, says the 創立者 of 企業 Nation.
Some 2.7 per cent of the 5.3 million 商売／仕事 accounts held by small 商売／仕事s were の近くにd by banks, によれば the 財務省 委員会.
A 報告（する）／憶測 by the Public Accounts 委員会 published today 明らかにする／漏らすs how HMRC's service levels have continued to 悪化する over the past year. It took on 普通の／平均（する） 16:24 minutes in 2022-23 for an 助言者 to answer the phone, up from 12:22 minutes in 2021-22.
Steve Hare is the 長，指導者 (n)役員／(a)執行力のある of 下落する Group and says small 商売／仕事s have much to 伸び（る） from AI.
During the pandemic, I started a 商売／仕事 selling handmade 扱う／治療するs online. Ideally, I'd open a shop with room out 支援する to 規模-up but 商売／仕事 率s worry me.
MTD for Income 税金 Self 査定／評価 (Itsa) is 始める，決める to 取って代わる the 現在の system, so landlords and the self-雇うd will need to 服従させる／提出する 声明s 年４回の too. Today HMRC 確認するd that all 商売／仕事s and landlords 収入 over £50,000 will have to join MTD for Itsa from April 2026. This threshold will then 落ちる to £30,000 the に引き続いて April.
The TV series Dragon's Den might be entertaining, but it doesn't always 反映する a real-life pitch. Two 専門家s explain how to 調印（する） a を取り引きする 投資家s off-camera.
Zo? Allen jumped into the 深い end in February 2019 without a 商売／仕事 計画（する） or pitch 文書 when she 始める，決める up her own art consultancy 商売／仕事.
Deirdre McGettrick 開始する，打ち上げるd Ufurnish.com with her co-創立者 and husband Ray Wright in 2019 and the online furniture aggregator now 誇るs over 100 of the biggest retailers. She tells This Is Money how she 開始する，打ち上げるd the 商売／仕事, which she （人命などを）奪う，主張するs is the 'Rightmove of furniture'.
Just 51% of self-雇うd people put money into their 年金 each month - even though doing so can not only 基金 their 退職, but also give them 税金 advantages.
The 連合 of Small 商売／仕事s (FSB) （人命などを）奪う，主張するd some 供給者s were 引き上げ（る）ing standing 告発（する），告訴（する）／料金s 'as a way to inflate 法案s for small 会社／堅いs'.
This Is Money's 商売／仕事 doctor Dave Fishwick, who 始める，決める up the Bank of Dave, 株 his seven tips for people considering starting their own 商売／仕事. Dave made his fortune selling 先頭s and minibuses before setting up Burnley 貯金 and 貸付金s - さもなければ known as the Bank of Dave - to help those struggling to borrow from the high street with his no-nonsense lending model.
I'm a 請負業者 and take tech 職業s a few months at a time. The market is really 競争の激しい at the minute, so what can I do to 上げる my chances? Dave Fishwick replies.
にもかかわらず it 存在 a 堅い time for the economy, would-be entrepreneurs have not been deterred from 星／主役にするing up a 商売／仕事.
Starting a 商売／仕事 doesn't need to be difficult and staying on 最高の，を越す of the 最新の 傾向s, 適切な時期s and movements that 現れる, can put you a step ahead. These are the 最高の，を越す six 傾向s I'm most excited about and are 始める，決める to 爆発する in 2024.
The taxman is 割れ目ing 負かす／撃墜する on online resellers who use 数字表示式の 壇・綱領・公約s to make extra cash and failing to 宣言する it as income. We explain who needs to 支払う／賃金 税金.
If I 宣言する myself as a small 商売／仕事 but 終始一貫して show that I am running at either 無 利益（をあげる） or even at a loss, will the 税金 man start to think I'm running some 肉親，親類d of 反対／詐欺?
The Bank of Mum and Dad has long 供給するd young 買い手s with a helping 手渡す to get on the 所有物／資産／財産 ladder. But now it seems the 'bank' is 支店ing out into 商売／仕事 貸付金s, as entrepreneurs ますます turn to their parents for help. New 研究 by wealth 経営者／支配人 Charles Stanley 明らかにする／漏らすs a fifth of UK startups are 最初 基金d by 相続物件, and a その上の 19% by cash from parents.
I have been 申し込む／申し出d a casual 職業 that 作品 on an 広告 hoc basis, and I won't earn over the 所得税 threshold. Do I have to tell HMRC? And how will I 支払う／賃金 国家の 保険?
Brits looking to 開始する，打ち上げる a 商売／仕事 in 2024 are turning to arts and （手先の）技術s to make some extra cash, によれば new 研究.
This is a 堅い time for small 商売／仕事s. Energy 法案 support has been 悲惨な, 商売／仕事 率s are through the roof and the 歓待 産業 is crying out for support. There have been calls for the 政府 to step in and 直す／買収する，八百長をする all of these things. But if the 総理大臣 was really serious about supporting 商売／仕事, he would first sort out the mess at HM 歳入 & Customs.
The 告示 has 刺激するd 怒り／怒る の中で MPs and 税金 専門家s, who 警告するd it could lead to taxpayers inadvertently making mistakes on their 税金 returns and 直面するing 罰金s その上の 負かす／撃墜する the line.
A small 商売／仕事 owner has told This Is Money she is considering moving her 商売／仕事 out of the UK after 直面するing long HMRC 延期するs.
New 税金 支配するs, 始める，決める to be introduced on January 1st, could see thousands of people who earn a bit of extra income 存在 caught out by the taxman,
削減（する）s to the number of staff has likely done little to help 事柄s, but insiders have told This Is Money that it is staff retention and 欠如（する） of training that is the root 原因（となる） of HMRC's 問題／発行するs.
David was sent a 税金 法案 for over £38,000 from HMRC and had difficulty trying to get through to anyone in the 税金 office. The sorry saga left him with 'かなりの 強調する／ストレス and worry'. After the 初期の shock of receiving the 法案, David tried to 接触する HMRC only to discover the phone line was の近くにd. It （機の）カム just a month after HMRC's self-査定／評価 helpline の近くにd for three months as part of a 操縦する for a 'seasonal' model.
As a 単独の 商売／仕事 director, Becci Nibelle had to 支払う／賃金 for her own maternity 支払う／賃金. But when she 埋め立てるd the money 支援する from HMRC she was left waiting for months.
商売／仕事 owners and accountants have become 井戸／弁護士席-熟知させるd with the 大混乱 at HMRC for years. one insider tells This Is Money about the reality of working there.
Whether you are a small 商売／仕事 owner or a 単独の 仲買人, choosing the 権利 bank can 上げる your 底（に届く） line. At their simplest, 商売／仕事 accounts 申し込む／申し出 a cheque and 支払う／賃金ing-in 調書をとる／予約する - but many will also give you perks like an 利益／興味-解放する／自由な in credit balance or 18 months 解放する／自由な banking to 安全な・保証する your custom. Some online banking apps even 含む services such as instant invoicing, categorising spending, and creating 付加価値税 returns. This is Money 名簿（に載せる）／表（にあげる）s the best small 商売／仕事 経常収支s on the market, and compares their 料金s, 利益／興味 and 特別手当s - 同様に as checking the small print for any caveats you might have 行方不明になるd.
年金-led 基金ing is 目的（とする）d at 商売／仕事 owners and 許すs them to 'borrow from themselves' 経由で a self-投資するd personal 年金 or small self-治めるd 計画／陰謀 to 支援する their own 商売／仕事.
It was once 一般的に 受託するd that if you were a small 商売／仕事, there was a simple choice between splashing out on 下落する or QuickBooks. Now there is a lot more choice.
Finding the best energy provider for yourself can be a hassle, let alone finding one for your 商売／仕事. Learn how to find the best 取引，協定 and how to switch hassle-解放する／自由な.
We explain who is 適格の for a 商売／仕事 貸付金, how to 適用する and how long you have to 支払う／賃金 it 支援する.
Is the taxman coming for YOUR 味方する hustle?
Tthousands of people who earn a bit of extra income are 存在 caught out by the taxman under new 支配するs.
A 'culture of 恐れる' is 主要な to HMRC 延期するs, （人命などを）奪う，主張する insiders
Insiders speak to This Is Money about the 大混乱 at the 税金 office.
'HMRC 延期するs mean my baby was nine months old and I still hadn't had maternity leave refund'
As a 単独の 商売／仕事 director, Becci Nibelle had to 支払う／賃金 for her own maternity 支払う／賃金. .
会合，会う the three friends who 開始する，打ち上げるd Amazing Lofts last year with £5,000... and have since made £1MILLION in sales
After just one year of 貿易（する）ing, Amazing Lofts has reached £1million in sales.
HMRC sent me a shock 税金 法案 of £38k but would only を取り引きする me by 地位，任命する
David was sent a 税金 法案 for over £38,000 from HMRC and had difficulty trying to get through to anyone in the 税金 office.
MPs want a 厳重取締 on late 支払い（額）s to small 会社／堅いs - but what would really help?
Late 支払い（額）s have 'spiralled out of 支配（する）／統制する' によれば the FSB.
What's gone wrong at the 'disastrously understaffed' 税金 office? We speak to an insider
商売／仕事 owners have become 井戸／弁護士席-熟知させるd with the 大混乱 at HMRC for years. One insider tells This Is Money about the reality of working there.
'New yuppies' prefer self-雇用 and veganism over the 法人組織の／企業の ladder and flash cars
The children of the 1980s have thrown out the mantra that 'greed is good'.
Find out what 月毎の 支払い（額）s would be on a 貸付金 and the total cost over its lifetime, where 利益／興味 is 告発（する），告訴（する）／料金d 月毎の.
My mortgage was 拒絶する／低下するd because the home isn't in a 'saleable' area: What can I do?
Forget about just WFH or the office! Why working from anywhere is the 未来 for small 商売／仕事s - and how to do it
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The age you can 接近 work and 私的な 年金s will rise to 57 soon - here's how to 計画（する） ahead
The best month to sell your car REVEALED - and why SUVs get the highest price at a different time of year
Scottish 未亡人s gave my ex-wife £8,000 from my 年金 - 14 years after we 離婚d!
Young people most likely to get in 負債 with 貸付金 sharks, as data shows more turn to 違法な lending
I'm a 基金 経営者／支配人 and this rising Asian 星／主役にする is primed for growth
広告 Feature
Five best bank accounts for 利益／興味, perks and cashback in 2024
HMRC phone 顧客s spent 798 YEARS on 持つ／拘留する in 選び出す／独身 税金 period, 国家の Audit Office 明らかにする／漏らすs
EXCLUSIVEFraudsters are brazenly advertising 偽の banknotes on social マスコミ, 通貨 会社／堅い 警告するs
America's 最新の インフレーション 人物／姿／数字s are a gift for Andrew Bailey, says ALEX BRUMMER
Childcare vs 支払う／賃金: The salary you need to make 存在 a working parent profitable
My 隣人 has started keeping bees - can I stop him? DEAN DUNHAM replies
Are period 所有物／資産／財産s 価値（がある） the hassle? Owners spend TWICE as much on 維持／整備
Will 全国的な 支払う／賃金 out a £100 忠義 特別手当 again this year?
Should the Bank of England have 削減（する） 利益／興味 率s instead of 持つ／拘留するing 会社／堅い? The This is Money podcast
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