Santa’s finances are a mess, help us help us #SaveSanta & #win an iPad2 with @FirstChoiceUK

Does anyone feel cheery this year in the run-up to Christmas? Is it just me or are fewer homes displaying Christmas lights this year than this time last year?

Well our friends in the US are planning to spend $764 (around £495) on gifts this year, according to a poll and that means that we probably aren’t that far behind.

Podcast: Understanding the flat-rate VAT scheme

Podcast: Understanding the flat-rate VAT scheme

The government has set out a flat-rate VAT scheme to help smaller businesses claim and charge VAT without having to earn a threshold amount. Find out more about the scheme and how you can claw back some money in today's podcast with mum, accountant and partner of Wellers Accountants, Norma Stewart.

Dressing for Christmas: have you got your outfits sorted?

It’s that time of year again…office Christmas parties, celebrations with friends and family. And an ever-expanding Christmas shopping list. Just how do you make sure you look not and not break the budget?

Christmas partyThere are some fabulous ladies dresses on the high street market this season for which the inspiration clearly hails back to this season’s hottest catwalk looks. If you’re yet to find your perfect party piece then now’s the time to shop, with major department stores such as House of Fraser (you can check out their ladies dresses online before braving the pre Christmas high street) offering many a competitive discount as part of the commercial mayhem running up to December 25th.

Women’s dresses are taking their style inspiration from any number of different eras and trends of years gone by, but one thing is clear: fabrics are modern and finishes are slick.

Podcast: Self-employed or a limited company? How to choose the right business entity to trade from

Podcast: Self-employed or a limited company? How to choose the right business entity to trade from

Are you thinking of starting a business but don't know whether to set up as a limited company or declare self-employed income to the taxman? 20111206-112902.jpgIn the first of a three-part business finance series with mum, accountant, and partner of Weller Accountants Norma Stewart, we find out the pros and cons of both and what you really need to know about choosing your trading entity before you sign on the dotted line.

Shoes, shoes, shoes!

When it comes to shoes, you have to think carefully about the restrictions and requirements of everyday life. Busy, working mums like us are unlikely to have the time to be tottering about in 6 inch stilettos unless they’ve been taking master classes from Victoria Beckham or Sarah Jessica Parker after Pilates. But that doesn’t mean that your shoes can’t say something stylish about you and your own sense of fashion. There are a range of practical shoe trends in vogue for the season, and, with many a vintage-inspired design popping up on the haute couture market, it shouldn’t matter whether you prefer to shop for shoes in House of Fraser or The Salvation Army: there’s sure to be a bargain out there for you.

shoes that look goodThanks to Prada, cowboy boots are back in a big way. Prada reinvented theirs by styling up a classic boot shape from a brightly coloured, synthetic snake skin fabric. If you’re looking for utmost versatility, you don’t have to go for the neons, but you’ll soon find that animal prints make for a glamorous yet wearable variation on the traditional black or brown designs. And a cowboy boot comes with the added advantage of a low and manageable heel that can still be worn with smarter ensembles.

Working from home with the kids

As teachers go on strike today over pay and pensions, thousands of mothers around the country will be forced to either pay for expensive one-off childcare, take the day off, or work from home.

working from home with the childrenWhile we all hope that this strike action will not be the start of many to come, there will other events that will mean mums around the country will not be able to work in the office, and will have no choice but to work from home with the kids…one example is if it snows this winter. How prepared are you for that?

Working at home can provide the flexibility needed to also provide childcare, but when these two jobs are carried out simultaneously you can quickly find that you are sharing your home office with some decidedly distracting ‘co-workers’!

Here are some useful tips to help you cope – and actually get some work done!

Struggling to stay afloat? Three ways you can earn more money

Struggling to stay afloat? Three ways you can earn more money

If the news and recent statistics are anything to go by, if you’re a mum looking for work that gives you the flexibility you need to work around childcare, you’ll have a hard time convincing your employers or finding an new job.

make extra money from homeThe truth is, when it comes to it employers think that there are a few more “risks” associated with employing a mother (taking time off to care for a sick child, having to take time off during school holidays, requests for flexible working, sex discrimination claims when things go wrong etc etc) that they don’t necessarily feel are associated with male employees.

I recently spoke to a mum who has just had her second child and is finding it hard to juggle a full-time job, but can’t afford to reduce her hours or leave because her family need every penny her salary brings in. It’s not uncommon and these days with the cost of living rising many families who could afford to live on one income can no longer sustain themselves, so many others are looking for ways to make money…or return to the dreaded “W” word – work!

If that sounds like your situation, don’t fret – there is always a solution out there that can either help or alleviate some of the pressure.

Public liability insurance and how it can save your business money

Public liability insurance is not a legal requirement that businesses need to have, but it is certainly highly recommended. For one thing if someone sued your business it could spell the end of your start-up business dream.

public liability insurance for businessPublic liability insurance basically covers you against any kind of injury or illness a member of the public, or somebody who is not associated with your business, might sustain on your property.

How to make money buying and selling gold

Whether it’s preparing for Christmas, wanting to make extra money to clear debts or pay bills, or to save for a special treat, many of us are looking for ways to make extra money. For working mums who are already juggling a job with children and other family commitments, the thought of finding a part-time job to get that extra money can be very demotivating.

buying and selling goldBuying and selling gold is something mums can do from the comfort of their own home – and while the recession is in full swing, you stand to make good money because when the economy is down, the price of gold tends to go up. If you can buy gold when the cost is low and sell when gold prices increase, you can make good profit.

Here are some tips for selling and buying gold:

Do you use your car for business? You need to read this

Do you use your car for business? You need to read this

Do you drop of cake creations or other products to customers using your car? Do you drive to and from business meetings with your family car? And all with your standard car insurance policy?

driving for work If you answer yes, to even one of these questions, have you spoken with your current car insurance policy provider to check that you are covered?

By law, if you use a vehicle for work, you need to take out the right insurance cover. Even if you use your own car, a private policy is will not provide sufficient cover if the worst should happen. And even worse, not having the right cover may even be invalidated if you use your vehicle for business purposes.

How to drive traffic to your website website traffic

How to drive traffic to your website website traffic

Having a website is great, but if you’re the only person who knows it exists, you won’t get much out of it!

Even if your website is a blog about your life that you are using for your own sanity, at some point you’ll want to share it with like-minded people. And without having to stand in the middle of the street with a placard and leaflets begging people to visit your website…with the kids in tow!

Here are some tips on getting website traffic:

How to fund your business idea without getting a bank loan

How to fund your business idea without getting a bank loan

I’m a firm believer that everyone has a business idea in them. Quite often, a great business idea is staring us right in the face, but we just don’t see it – and part of that blindness is thinking that every business needs tens of thousands of pounds to get it off the ground. Wrong!

20111103-163450.jpgYou really don’t need so much money all the time – many businesses only need a little time and attention and minimal financial investment (less than £100) to get it off the ground. Quite often the huge investments that we see on programmes like Dragon’s Den are needed for big marketing and promotion campaigns, and perhaps to buy a huge bulk of the product to supply demand and grow the business faster.

If you’re looking for a way to fund your business, there are a variety of ways to raise that finance and the best for you depends totally on your product, your market, your business’s financial requirements and most importantly, your personal and financial situation.

Business benefits of conference calls for working mums

A frustrating bugbear for many working mothers is having to attend meetings near and far that have cost implications as well as a knock-on effect on things like childcare and home life in genera. This is where telephone conferencing offers a variety of impressive business solutions.

conference calls for mumsConference calls are a great way of staying in touch with a wide range of people all over the world without having to spend hours and potentially whole days at a time travelling to and from scheduled appointments with clients, suppliers or work colleagues.

This also means you can improve productivity and slash outgoings.