Tag: business life

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How do mortgages for the self-employed work?

I’m a whole of market Independent Financial Adviser and advise on investments, pensions, wealth planning, protection, and mortgages.

If you’re self-employed and want to increase your chances of getting a mortgage, it is worth noting there are many differences from lender to lender. 

You’ll need to fulfil the following fundamentals to facilitate a self-employed mortgage. Here are some of the things to consider.

You’ll need two years’ Full Accounts

This is usually in the format of a document SA302 – (tax year overview and tax calculations). 

These can be retrieved from HMRC or your accountant.

Many lenders will average the earnings over the two years on increasing profits; however, for decreasing profits, it is the lower one they work on. 

It’s therefore advisable that the latest year is the best year. Make your accountant aware of a pending house purchase when they’re compiling the accounts.

  • If two years’ accounts are not available, some lenders will accept one full year’s accounts and an accountant’s certificate.

However, this limits the number of lenders available and requires your accountant to provide this information.

Image shows a house to get you thinking about self-employed mortgages.

Distinguish between Sole trader vs Limited Company

As a sole trader, you are the sole owner of your business. You may employ staff to work with you, but you have complete control of the company. You keep all the profits after tax but are also personally liable should the business get into trouble. 

If you form a limited company, you are setting up a separate private organisation. You are not personally liable for the business – even if you’re the director and sole shareholder. The company is its own legal entity, so you can only lose what you put in. Rather than keeping the profits, you pay yourself through a combination of salary and dividends.

Have both your business and personal bank statements available.

  • As with employed mortgage applications, there is a requirement to have a deposit available.

10% is usually the minimum for most lenders. However, a few will accept 5%. You’ll need to provide evidence showing the source of the deposit. There is a gifted deposit process with some lenders, where you’ll need extra proof of where the funds are, with identification and written confirmation from the donor, noting that this is a non-refundable gift.

Credit checks

  • All mortgage applications will have a credit check; some leave a soft footprint, and some a hard footprint. 

Experian and Equifax are the main two credit check providers many lenders use. However, be mindful of how many applications are processed, as this could negatively affect your credit file.

To improve the credit file, regular use of small amounts on a credit card and the balance repaid in full could help the score over a longer period – ideally before a mortgage application.

Affordability calculators will vary from lender to lender

Lenders will consider whether you can afford to pay your mortgage. They’ll look at the number of dependents you have and any continuing commitments (credit card/loans etc.). 

Other forms of income could also be considered, depending on the lender, such as child benefits, maintenance payments and PIP. Also, some lenders will accept debts being cleared before purchase, and others will not.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Hannah Cowell DipPFS CeMAP Certs Cii (MP & ER)

IFA

Mobile 07870898474

Email hannah.cowell@2plan.com

Website Hannah Cowell (2plan.com)

2plan wealth management Ltd is authorised and regulated by the Financial Conduct Authority.

It is entered on the Financial Services Register (www.fca.org.uk) under reference 461598.

Registered Office: 3rd Floor, Bridgewater Place, Water Lane, Leeds, LS11 5BZ.

Telephone: 0113 302 1360. Registered in England and Wales: 05998270

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Your menopause and the butterfly effect

Guest blog - Mairi Taylor - menopause rock star

We know that for a caterpillar to transform into a butterfly they have to allow themselves to turn in to the most glorious goop where their imaginal cells – I always thought they were called “the magical cells” – recreate the butterfly the caterpillar was always destined to be.

If anyone tries to hurry the process or help the delicate butterfly emerge from their cocoon too early their lives are shortened & they don’t get to live their full glorious next phase of life.

What if your menopause transition is your glorious gloopy phase?

A full breakdown of the woman you are in order to become the woman you are meant to be in this next chapter of your life? This is a true “unbecoming” as you have to allow yourself time to be the gloopy mess, a mess where everything you thought you were is allowed to disintegrate & you recreate a new glorious version of yourself.

This time can be confusing, frustrating, irritating & downright frightening as we appear to rage against the two aspects of ourselves. For many of us we hold on so tightly to “our caterpillar” that we simply don’t allow the potential magic to happen. There can be such a sense of loss for many as society doesn’t honour our “gloopy mess” phase, or the wise wild woman we can become.We haven’t been shown how to navigate this transition in between family, work & all the other 100’s of responsibilities & commitments we face as modern women, but maybe just knowing this “mess” is all part of the phase may help your butterfly emerge just a little easier.

You can’t rush it, force it or deny it because to do so would impact the quality & vibrancy of the next phase & you would be dishonouring the woman you were & the woman you are yet to know.

What if we could all enter this phase of life knowing we need to allow time & space for the breakdowns, setting strong boundaries to protect some “chrysalis time”, the reimagining, the gloopy, sticky mess & see, hear & feel it for what it is? Knowing that by allowing it to take it’s time & simply swim in the soupy mess we will emerge as a newly formed & glorious post menopause woman who can open her wings & fly with a new sense of freedom as her next chapter takes form?

Mairi Taylor

Get in touch

If you need or support navigating your menopause / midlife transition then know you don’t have to be on your own. I can offer a range of services and a support network of resources and people to help you navigate.

www.mairitaylor.com

https://www.instagram.com/mairitaylor_menopause_rockstar/

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How your business life can give you content ideas

The image shows me at my desk, recommending that you use your business life to develop new content ideas.
Image by Julie Grant Photography

You know your business inside out and back to front. It’s all so familiar that it can make you blind to the possibilities that your everyday, day-to-day business life can offer when it comes to creating content ideas. If you’ve ever struggled to come up with new ideas for your marketing, you might be surprised at how many are hiding in plain sight. Here are just a few.

Answer your FAQs

What questions do your customers ask all the time? If you’ve never written any of them down, start now and answer one at a time in your content. They work well because some people won’t contact you to ask a question, but they will Google it. You can give a short answer in social media posts and a longer one on your blog. If you have an FAQ page, start there or build one as you create more content.

Listen while you network

If you go to networking events, listen to what the other attendees talk about. What are their challenges, and how could you help? I love doing this at face-to-face events, where you might overhear other people’s conversations. I know my granny would disapprove of me eavesdropping, but it works.

Tips

Sharing tips can work in two different ways. Pro tips let you share your expertise and help your customers when they need to DIY a task, so you build trust. You can also make your existing customers feel looked after and appreciated by sharing a tip that helps them get the most out of their purchase.

Share your favourite resources

Sharing some of the resources you use every day has different benefits depending on who your customers are and how much experience they have. For example, a crafting business can help new learners by giving them a beginner’s guide, but you can also show more experienced crafters that you know what you’re talking about. If you offer a service, sharing professional resources lets your audience know that you take your work seriously.

Case studies

Case studies are brilliant because they tell your future customers about people you’ve worked with before and the results you’ve achieved. You can lift stories from your day-to-day life and use them in your marketing. Ideally, get permission from the subject before you write about them, but you can also write anonymised versions if that isn’t possible.

What can new customers expect?

This might seem ridiculously obvious, but good content can sometimes be as simple as describing what happens when your customer first contacts you or walks through your door. If someone isn’t contacting you because they’re nervous and don’t know what to expect, this kind of content can help to give them peace of mind.

How to find the right person

If there are lots of different businesses that do what you do, the choice can be overwhelming for a new customer. You can help them by talking about things to look out for or questions to ask at the first meeting. Use your insider knowledge to help your audience avoid common pitfalls, or let them know what credentials to look for, and they’ll start to trust you.

Do you want to develop new content ideas and create engaging marketing content? I can help with that. I create content that speaks your customers’ language. Book a call to find out how it works.

You can also sign up to receive monthly emails packed with useful content writing and marketing tips using the form below.

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Being in community

Guest blog - Olivia Pitt - Olivia Pitt Coaching - Being in Community

As we approach the end of another year, I paused to reflect on how much ‘being in community’ has helped me to grow emotionally and spiritually, and as a businesswoman.

But what do I mean by ‘being in community’?  For me, it’s being an active member of a group that shares similar values.  It’s being in spaces where I feel safe and have a sense of belonging.  With lots of everyday demands and in the interest of self-care, I’ve had to be selective about how I spend my time. 

Here are 5 questions I ask when choosing a community:

Do we share similar values? 

If I’m investing time being involved in a group, it’s important that it’s about being supportive and celebrating each other.  One of the things I’m most proud of when it comes to the Curvy Convo community that I created for plus-size women is how much we celebrate the achievements of our members Curvy Convo – Olivia Pitt.  My ‘Keeping the Dream Alive’ coaching groups are perfect examples of this – check them out here: Group Coaching – Olivia Pitt.  I also get that same experience in my early morning circuit classes. There’s no competition, just support and encouragement to give things a go.      

What contribution could I make?

For me, it can’t be about just taking from the community.  What could I bring to the table? What value could I add?  My church community provides me with an opportunity to serve and lead, putting my skills, experience, and personality to good use.  In networking groups, bringing joy has often been the most valuable contribution I could bring.

What could I learn?

Stepping into the role of being a businesswoman was alien to me after having been an employee for most of my working life.  There were so many things I had to learn (and unlearn!), and I’ve been blessed to find a space in a business coaching group where I can be completely myself, unembarrassed about my lack of knowledge in some areas and fighting off impostor syndrome when it rears its ugly head. 

How will it help me to grow?

I’ve been ‘doing life’ with other women of faith as a member of a mentoring group since 2014.  This is where I learned about my identity and unique design.  It helped me to understand myself a whole lot more than I ever did!  I discovered that I am gifted in encouraging others. In the past two years, I’ve intentionally spent time with other women who share my gifting.  This has helped me to confidently flow in my gifting, in complete alignment with my business as a Life Coach.

Can I really be myself?

In safe communities, I’ve allowed myself to be vulnerable and let my guard down so people can see beyond the smiles and laughter.  I’ve shown up at times when I’ve felt broken, rejected, mentally drained, a failure.  In virtual spaces, I’ve done the makeup-free, braless in PJs showing up as well – this all counts!

So, my question is, are you in community? You don’t have to navigate life on your own.  You have nothing to prove.  There’s so much to be gained by meaningfully connecting with others. As you enter a new year, maybe it’s time to consider who you could ‘do life’ with. You might be the missing piece of the puzzle that the group needs.  Go for it!

Interested in finding out more? Let’s chat: Contact – Olivia Pitt You can find me on socials Courage Cultivating Coach (@oliviapittcoaching) • Instagram photos and videos or (13) Olivia Pitt Coaching | Facebook

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Why does accountability matter?

Many of my clients enjoy checking in with me at the start of their sessions as to what they have achieved since our last session, proving that they have been accountable for their actions and if they have not looking at why this may be and if they are still important. When you are the owner of a business or in a senior position it is very challenging to be your true self. People struggle with goal setting and if you are at the top of your game who can you report into with tasks you have completed and or not. Where do you get the recognition for being accountable?

The definition of accountability

Accountability is when an individual or department takes responsibility for the consequences for their performance or actions. Accountability is essential for an organisation or society. Without it, it is difficult to get people to assume ownership of their own actions because they believe they will not have to face the consequences.

What are the main principles?

Anyone that follows the principles of accountability, transparency, participation, evaluation or feedback, are more likely to develop best practices and be more successful.

Why is this so important

Accountability eliminates the time and effort you spend on distracting activities and other unproductive behaviours. When working with people from a coaching perspective we help people be accountable for their actions, help them to value their work, when done right, accountability can really help people with their confidence as they learn to deliver when they say they will.

This week I was at the start of a coaching session and I asked my client what she would like to cover in the session. My client explained that she often gets distracted with everything going on in her business, so sometimes the important tasks can be forgotten about. She explained that she wanted to be held accountable to completing her daily jobs and felt it would be useful to report her accomplishments to me each day to feel the reward of explaining what she had achieved that day.

This client of mine is by no means alone. I speak to many people who are easily distracted, whereby one of the biggest culprits can be getting lost in social media. Social media is great for many things but it can also easily suck you in, then before you know it an hour has gone by. This not only wastes time, but it also leaves you feeling unproductive and increases the difficulty of focusing on new tasks ahead because of this disappointment.

Being accountable is really important for you and your business. If you book in an appointment with a client, how do you think that client will feel if you call them late or not at all? Do you think they will value you and your service? You are constantly building a relationship with your client. Just because they have started working with you doesn’t mean they may continue if you are always late or don’t meet deadlines, and they are much less likely to refer you. Learning to be more accountable is hard but if certain procedures are followed through and areas of importance and less important areas are highlighted this will help.

How I can help

In a coaching session we can look at what are you trying to achieve. Have you given yourself a realistic time frame to complete the task and is it providing value to you and your business? Are you committed to achieving a high standard when you complete the task or are there other things that are conflicting your ability to perform well? Coaching will help make you more accountable, deal with issues that are holding you back such as distractions and your values relating to business development.

I can help, you can book a FREE 30 minutes by visiting my website.

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What could working with a VA do for your business?

Guest blog - working with a VA

As a VA I offer admin and bookkeeping support but what does that mean for you? All my clients need different support from me because no two clients are the same and every client’s business is different therefore every client needs different support. What could working with a VA like me mean for your business and how can I explain it?

What are your strengths?

Everyone has weaknesses and strengths including me, I have a client who thrives on her To-Do List and religiously ticks things off this keeps her on track, helps her strive towards her goals and improves productivity

Another client does write a To-Do List but never really gets round to ticking things off, however, she thrives on her financial goal that we set and this keeps her on track and wants it to be up to date at all times this gives her the motivation and determination to reach her goal

Some business owners know exactly what money is coming in and also what money is going out so they have a good idea of the basic income needed to keep their business afloat. unfortunately, there are others who have absolutely no idea what money is coming into the business or how much money is going out. Some think because they’re so busy being busy that that means that they must be making a lot of money sadly this is the reason a lot of small businesses fail.

So how do I work with my clients?

I get to know my client and understand their business

I get to know what they are struggling with, what their weaknesses are and the problems they are struggling with, and we talk about how I can help resolve these.

More importantly, how can they use their time more wisely and what tasks can I do that give that client back the time to actually do the business and what they have chosen to do, most business owners are quite capable of doing their paperwork, but it is time consuming and uses up time and energy when they could actually be earning an income  

I offer accountability by working as a team, setting up a plan and goals.

I help them set up a structure that works for them encouraging habits and routine

I will tell them what I need from them in order for them to stay on track and grow and what I need in order for me to support them

I sometimes pull my “really” face just roll my eyes and say excuse me but where is ABC that I need from you?  Laughter can help loads too, running a business is tough and demanding and sometimes clients just need that support to lighten the mood as well as the load.

If you're working with a VA have you ever seen this expression?
This is my ‘really’ face!

Working together like this builds trust and good working relationships make growing the business achievable and helps your work-life balance to return.

What do I get out of it?

For me what do I achieve?  I do work I enjoy, seeing my clients happier, less stressed and having family and leisure time back brings me joy. I see their business growing and a more sustainable solid cash flow allowing them to enjoy the success of their hard work.

I know that I’m doing my role the best I can.This makes all the effort and hard work worthwhile.

What could a VA do for you? Get in touch and let’s find out!

Kirsty’s note

Ann Hunt is a fabulous VA; I should know, she manages to keep me organised and that’s no mean feat! She lives and works in Leicestershire.

You can find out more about Ann and her services by visiting her website.

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The power of letting things slide

A woman on a balcony letting things slide.

When I first started my business, one of the main reasons was the flexibility it gave me. When I was a solicitor there was a flexi-time policy and I changed to part-time working to give me more time with the kids but I was still basically working a 9-5. I couldn’t take an afternoon off on a whim or disappear early because it was sports day at school. Flexibility had to be planned. I was able to plan and prioritise my work but I wasn’t high enough up the food chain to decide that some things weren’t essential. Still, as a business owner, it’s taken me a while to truly embrace letting things slide. Here’s how it happened.

I took part in a challenge

Does anyone else feel as if we’re constantly batting away advice about the new thing we must do if we want our business to succeed? This is particularly true in marketing. There’s always something about why you need to add another social media platform or what kind of content you should be producing this week.

It used to make my head hurt. Then I did two things. I subscribed to emails from Anita Popat, who only tells you the social media stuff you need to know. Then I did a 3-day Facebook challenge with Libby Langley designed to help you make marketing decisions based on your personality and values. It taught me what I already knew. Stop listening to people who say ‘should’ and do what feels right for you.

The family holiday

Then came the Easter holidays. You know the drill. I’m a business-owning mum so the school holidays are always a balancing act. The first few days after the kids broke up were fine because I was still in work mode. I had a plan and there was work I’d promised to do. Then I went on an actual holiday. We got on a ferry and went to Holland for a long weekend. It was glorious (the weather and the place) and I realised how much I’d needed some time out. A chance to play with my kids, go swimming every day and drink lager on a weeknight. I hadn’t realised how tired I’d been. I told myself that I’d have a day off when we got back from Holland then I’d start working again.

The reframe

We got back from holiday and I didn’t get back to work. My brain didn’t want to. I read some emails but mainly I wanted to have days out with my boys before they went back to school. At first, I thought I was being lazy. I told myself I should have been working. Then I remembered that I don’t listen to people who tell me what I should do and gave myself a break. I didn’t post a single thing on social media for a whole week. The world didn’t end. No one forgot I exist. All the work that pays my bills is still getting done. Those extra few days gave me the headspace I needed to decide what was important in my life. I realised that letting things slide was the best thing I could have done.

Why am I telling you all this? It’s because sharing our stories is important. When you’re a business owner people sometimes forget you’re a human being as well. I hope that by giving you a glimpse behind the scenes I’ll encourage you to do the same. If you’d like to have a chat about it, you can book one here.

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Why you need to show your life in your marketing

A woman celebrating - you can put life into your marketing too.

You’ve probably seen loads of marketing advice telling you that you need to share your knowledge and establish yourself as an expert in your field. That’s all true. When you have a small business, you need to go one step further and share a bit of your life with your customers. The big brands can build a corporate image around their values, but you need to show your audience who you are as a person. Here’s why you need to put some of your life into your marketing.

It makes your audience feel part of something

Content marketing is designed to help you build a relationship with your audience so that they’ll buy from you. When your marketing creates a community, it helps your audience feel as if they’re part of something amazing. That might happen because of chats in the comments on your posts or what you share in your Facebook group.

The easiest way to make your audience feel included is by giving them a glimpse behind the scenes. If you create products, you can share videos or posts of you making something. Someone might see the work in progress and decide they must have the finished product! Case studies are brilliant if you’re like me and offer a less visual service. You can show prospective customers the process so they know how you work and can read about the results.

Shared experience connects you with your customers

Maybe you started your business because you came through a challenge and wanted to help other people do the same. Your story needs to be central to your marketing. It shows your customers that you understand what they’re going through because you’ve been in their shoes. You can build trust by talking about your experiences. This is particularly good for business or health coaches, personal trainers and parenting experts.

Showing your life and the experiences you share with your customers can also work in another way. Whilst it might not be directly relevant to your business, sometimes you just want to work with someone who’s on the same wavelength as you or support their business. I work with lots of business-owning mums and it gives you a shorthand that makes communication easy and fun.

Sharing your life shows people you’re human

When you spend time running a business online, you’ll inevitably come across people who forget you’re a human being with feelings. They think that those nasty comments will bounce off (if they even think before they type). Sharing posts that show people what your life is like when you’re not at work helps to remind people that you’re a real person. It could also help to distinguish you from another, similar, business. I haven’t had anyone tell me they want to work with me because I’m a rugby fan so far, but you never know!

One word of caution; use posts like this sparingly. Every so often is fine but your customers aren’t your friends. They don’t need 500 pictures of your baby, cute puppy or to hear about how hungover you are. Just an occasional reminder that you have a life outside business.

Are you ready to put some of your life into your marketing? I can help with that. Book a call here and let’s have a chat.

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Do you ever feel you’re pulling yourself in different directions?

A woman going in different directions.
Photo by Andrea Piacquadio from Pexels

I don’t think I’m alone in having a lot of different things in my life. We’ve all got those metaphorical balls (the ones we juggle, but occasionally the other kind too). There’s all the life stuff; the home, partner, kids, family and friends. Delete or add as applicable. I keep finding myself saying ‘let’s have a catch up soon’, then organising a coffee takes about a year. That’s even before I get to the bit where I run a business too. You’ve heard all this before, I know. The only reason I’m talking about it now is because I seem to have had an influx recently. There’s been more paying work, which is extremely lovely. Conversations about self-care seem to have become a thing too. As I write this the words of a wise woman telling me I’m hearing it for a reason are floating at the front of my brain. There have been new ideas that I can’t seem to make a decision on. Then there have been people asking about my book. Have I told you about the book? Maybe I haven’t, so let’s start there.

It’s always been about the book

Before I had the faintest idea that I might write content marketing for businesses, I wrote stories. I know that we all did that at school, but I carried on. Ideas for crime novels pop into my head at regular intervals. The one I’m working on now existed as an idea for a few years before I started making some notes, writing random scenes as they occurred to me. When I was a commuter I wrote on the train. Now I’m editing; it feels as if I’ve rewritten the thing about eleven billion times but I could be exaggerating. It’s a murder mystery, set in Leicester and I’m almost ready to send it out into the world.

I think I might be scared

There’s the problem, you see. I feel as if everything has been pushing me towards this point. Even the self-care conversations, because I know I need to look after myself to deal with whatever different thing comes next. It’s also why I keep getting new shiny ideas. A bit of me wants to get on with it. A much bigger bit is utterly terrified. What if it’s rubbish? (Apparently most first novels are.) There are characters inspired by people I love and tiny snippets of my life in those pages. It feels personal. The other nagging feeling is the fact that being a published novelist is my dream. I don’t know what happens next if the dream comes true. Will my life still be my own if I take it in a different direction? Will I become a magnet for trolls on Twitter? No idea.

What shall I do next?

This is a silly question, isn’t it? I need to finish the two little edits that are bugging me and send my manuscript out for someone else to read. I’ve got friends who’ve offered and I know where to get a reader’s report. An author friend (yes, I have one of those) even got me an email address for a published crime writer who’s happy to look at a couple of chapters for me. So, I know the answer to my own question. I just need to get on and do it.

Why am I telling you this story? It’s because I’m a writer and that’s what I do. I can help you find the right story to tell in your marketing so you can attract wonderful new customers. If I can help you with that, let’s have a chat.

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How bullying shaped me

Bullying makes you stay silent.
Photo by Kat Smith from Pexels

I’ve talked about sharing your story in your marketing so many times, yet there’s one story that I’ve always held back. As I write this, I’m still wondering whether it will end up out in the world for you to read. The only reason I’m even considering it is because I know I can’t be the only one who’s had the same experience. I’ve been bullied more than once during my life. It would be easy to focus on the negative beliefs that come from that (and on a bad day, I definitely do). The years have given me perspective, so I’ve decided it’s time to tell my bullying story in case it helps you too.

The school bullies

I reckon most people must have their own version of this story. I went to a tiny primary school followed by a bigger middle school. The bullies singled me out as I was a clumsy bookworm. Not just a swot but too poorly co-ordinated to be good at either gymnastics or dancing. As far as my peers were concerned, I was utterly useless. I longed for anonymity. Thankfully senior school was better; there were more people like me and became invisible to the bullies. It was the first time I learned the importance of finding your people and I still use it today.

Bullying at work

I didn’t go to university straight from school, but took some time out, did other courses and ended up in the job from hell. I worked as an admin assistant (aka lowest of the low), with colleagues who didn’t like people with A-levels. There were times when my supervisor told me there wasn’t anything for me to do, but in the next breath would go and complain to the boss that I wasn’t pulling my weight. Anything that came out of my mouth was treated as an opportunity for a sarcastic comment or outright sneer. On the plus side, it made me realise that I did want to go to uni.

How it holds me back

Those days are gone, but some of the scars remain. When you’ve been treated as if you don’t belong you start to believe it. You think your feelings don’t matter and you don’t have the right to be considered. It’s easy to adopt a mindset where you don’t try new things or talk to new people because then you can’t be rejected. Yet I find myself here, with a business that depends on me promoting it. I fight the instinct to ‘not be a nuisance’ every time I market my business. It makes me wonder whether I’d do more if I didn’t feel this way.

What it’s taught me

I don’t know what my life would have been like if the bullying hadn’t happened. There are some positives; I’m aware of the mind monkeys that hold me back. Silencing the chatter has become a skill, although not an infallible one. I’m selective in who I trust so I’ve learned to listen. There have been people in my life that others regarded as a ‘good bloke’, when they were anything but. I’ve learned to observe and work out who they really are. That comes in handy when I’m writing for clients and being their voice. In that respect, it could be a gift.

Sharing stories like this one help your future clients to see you as a human being, not just a business. It doesn’t have to be as personal as this. If I can help you find the right story to use in your marketing, let’s have a chat.