Bloomin' great savings, just for members Club Perks gives you access to discounts from retailers covering shopping, lifestyle, travel and health & wellbeing. Whether it’s your weekly grocery shop, reducing holiday spend or a weekend takeaway delivered to your door, Club Perks has a deal that could save you money.    It is also where you can access Health Assured , our comprehensive and trusted wellbeing service.   Individual and Business members of the Floristry Trade Club ge

Finances are an area of difficulty for many people. And at Christmas, these concerns can become even more heightened.

Getting all the details in black and white is crucial. We share our top tips for writing your next freelance contract and explain why they’re so important.  Why are contracts so important as a freelancer? No matter what kind of freelance work you're doing, contracts are part of everyday life as a freelancer, but the devil is in the detail. A freelancing contract, commonly in the form of a contract for services or consultancy agreement, should include the details and expectat

Confused by IR35 rules? Our tax specialists from FSB Tax Investigation Protection explain what the new rules mean for freelancers working in the private sector. This content was last reviewed in August 2024. We’re here to help you understand the ins and outs of the off-payroll working changes introduced into the private sector in April 2021, so that you can stay compliant. What is IR35? IR35, also known as the off-payroll working rules or intermediaries legislation was origin

Your best employees work hard because they’re passionate about what they do. But even they still probably want more money....

Looking to improve your business credit score? Here are eight ways you can keep on top of your score and put yourself in the best position possible for business funding applications. Your business credit score is a measurement used to represent the status of your business’ financial health. Having a good business credit score will signify financial stability and creditworthiness to existing and potential customers, partners, suppliers and lenders. This means that whether you’

A chargeback is a reversal of a payment made on a credit or debit card when the payment could be incorrect or fraudulent. The chargeback...

I don’t know a single florist who doesn’t work incredibly hard, so it is really galling to fall victim to a scam of any kind.  I know because I was a victim myself a few years ago when someone phoned at Valentine’s Day for a bouquet of white roses, teddy bear and chocolates total cost £160.  Just before the 120-day limit expired, I received notice of a chargeback and even though I had all of the evidence of the order, signature for delivery etc the bank found in the (dodgy) c

To help you adapt to these changes the Floristry Trade Club have teamed up with Key Partner Croner to offer a free webinar, open to everyone.

New polling from the British Retail Consortium (BRC) shows significant concern among retail finance chiefs, who say government policy is driving up inflation and job losses. A survey of CFOs (Chief Financial Officers) and Finance Directors at retailers together representing over 9,000 stores comes as the Chancellor is preparing for the next Budget.  Given concerns about potential tax rises on the horizon, 56% of CFOs described their feelings about trading conditions over the

Our guide to HMRC enquiries takes you through the whole process, including how long they take, what you need to do and how you can protect your business. As a business owner, you might find your business finances and tax position under enquiry. An enquiry by HMRC can feel like a time-consuming process that keeps you away from the task of working on your business, so knowing what to expect can alleviate some of the initial panic. What triggers a tax enquiry?

At what point does your small business have to start paying VAT? Should you voluntarily pay VAT?

The costs involved in setting up a business depend on a huge variety of factors, from your location, to the originality of your product and from the state of your industry to the wider state of the economy. For aspiring shop owners, the cost to cover the first year of a retail store’s life are estimated to be, on average, around £172,000 according to research by quotemyenergy.co.uk . Because of the variables at play, it is impossible to say definitively how much it costs t

Get your invoices right from day one with our guide to how to write an invoice for sole traders and limited companies. From one-off freelance jobs to regular contracted work, invoicing is part and parcel of business life and ensuring you get paid on time. When you’ve just launched a new business, finance can seem like the least fun side of your business but knowing how to write a professional invoice correctly means you’ll get paid for all your hard work. What is an invoice?

The UK is ramping up its efforts to go green and get everyone on board; the government has rolled out some pretty great perks for people and businesses willing to make eco-friendly changes. In addition to saving your money (slashing energy costs), these green tax breaks are a win-win for your pocket and the environment. If you’re wondering how investing in sustainability can save you money, this guide breaks it all down in simple terms. What Are Green Tax Breaks?