How to create and conduct a paid webinar in 5 steps
QUICK CAREER TIPS
Paid webinars are a great way to generate leads, sales, and brand awareness. But how do you create and conduct a successful paid webinar? We provide some tips and steps to help you make this happen
If you have ever!-->!-->!-->!-->!-->…
How to make passive income from blogging
Freelancers can make passive income from blogging in a number of ways. Here we show you some examples and what to consider before you get started
According to recent research, it takes an average of 20 months to start making money with!-->!-->!-->…
Fiverr report could backfire on freelancers
New research carried out by freelance jobs platform Fiverr could backfire on freelancers as its report indicates that work can be carried out in less time and office-based work is preferred
Almost 70% of UK workers say they could!-->!-->!-->…
Client profitability and CEO bonus payouts: could they be bargaining tools when pitching to clients?
We suggest freelancers and contractors look to CEO bonus payouts and company profitability to be better informed when pitching and negotiating rates
There is no proven direct correlation between the size of a company's CEO bonus and!-->!-->!-->…
FREENOW gives workers the power to choose their employment status. But union says deal is off
THIS ARTICLE HAS BEEN UPDATED ON 19.09.23
FREENOW, the taxi app, is getting mixed messages from taxi drivers and union members about giving drivers the freedom to choose if they want to be employees or self-employed. Could there be!-->!-->!-->…
Bilbao and Algorta: A Digital Nomad Guide
Many digital nomads will look to the sun-filled coasts of Eastern and Southern Spain, but those on the hunt for the Spanish way of life, but with a cooler microclimate might want to explore Northern Spain's Basque region. We look at two!-->…
BBC, Channel 4 and NFTS to host free masterclasses for freelance writers
The BBC, Channel 4 and the National Film and Television School are collaborating to deliver two weeks of free online sessions aimed at freelancers working in the UK.
The schedule which takes place between 2-13!-->!-->!-->…
How to write thought leadership articles to land higher-paying clients
Whether you are an independent freelancer or umbrella contractor worker you should consider writing at least one thought leadership piece. Doing so could promote your knowledge and experience to advance your career. It could also help you!-->…
Self-employed could be targeted for higher taxes
OPINION
There are signs emerging that higher tax rates and fees for the self-employed could be on the cards to pay for the Companies House overhaul and new laws over off-payroll non-compliance
Many people believe that most problems!-->!-->!-->!-->!-->…
Freelance job in the spotlight: International Hostage Negotiator and Diplomat
Welcome to the first Freelance Job in the Spotlight where we profile out-of-the-ordinary freelance jobs from around the world. For the inaugural launch of the new section, we turn to the high-stakes world of hostage negotiation.
Who!-->!-->!-->…
Don’t get caught out: the things you didn’t realise had to be included in a…
With the self-assessment registration deadline nearing, Sarah Coles, head of personal finance at Hargreaves Lansdown outlines some often unknown things that need to be included
Coles rightly reminds us that "self-assessment angst"!-->!-->!-->…
New stats: Umbrella contractors are getting swindled on pay, rights and pensions and the government…
After reading this article, umbrella company contractors should have a clearer idea of what is required of any umbrella company, their recruitment agency and whether they may have been swindled
A survey that included 520 freelancers and!-->!-->!-->…
Top tips from Neil Patel and Eric Siu on how to create stand-out content when everyone is using AI
In a recent video, digital marketing experts Neil Patel and Eric Siu, discuss the challenges of standing out with content in a world where everyone is creating it and increasingly through AI-based language model apps, like Chat GPT and!-->…
Freelancers: How to Navigate the Murky Waters of Employment Status in the UK
Freelance Informer readers are increasingly frustrated about how their working status is never quite clear-cut with clients or the tax man. We turn to Seb Maley of contractor insurer Qdos to get some clarity for readers about the murky!-->…
Ways freelancers can make passive income with what they already know
We look at 3 ways freelancers can transition their know-how into evergreen content that could be generated into passive income
If you're a freelancer, you know that the feast-or-famine lifestyle can be tough. One month you're rolling!-->!-->!-->…
Companies House fees likely to rise to fund new powers, tackle economic crime
Companies House will be granted new powers and that means it will have to charge higher fees, the government has reported
The Economic Crime and Corporate Transparency (ECCT) Bill is already making its way through Parliament. This!-->!-->!-->…
Income protection v. critical illness cover: What’s the difference and can you ever be denied…
SPECIAL REPORT: HEALTH
We explain the difference between income protection and critical illness coverage so that you can decide whether it is something you need and whether you may find it harder than others to get cover
There are!-->!-->!-->!-->!-->…
IR35 double taxation: Blanket bans could ease once off-set tax rules become law in 2024
News broke this week that HMRC is likely to agree that the offset rules involving IR35 status determinations will be set into law in April 2024. We turn to experts to find out what putting an end to IR35 double taxation means for!-->…
Self-employment among women soars: see which industries they’re turning to
The number of women joining self-employment is on the rise. We look at the latest figures to see which industries they are gravitating to and why. Plus, we look at how artificial intelligence could help fast-track more women into!-->…
Sri Lanka to issue digital nomad visas. Here’s what we know so far
Sri Lanka, a tourist hotspot for people of all ages, will soon issue digital nomad visas, according to regional reports. Here's what we know so far about the visa requirements
Never miss a news story impacting the freelance!-->!-->!-->!-->!-->!-->!-->…
HMRC has “real-time data” on tax avoidance and non-compliant umbrella companies. Why…
Dave Chaplin, CEO of Contractor Calculator, shares his concerns about HMRC not using the data it has at its disposal to shut down tax avoidance schemes. Plus he answers Freelance Informer reader questions about the pending regulation of!-->…
The best freelance jobs of 2023: high pay, low hustle, and career stability
What determines the best freelance jobs? A new report ranks freelance industries by best paid, least hustle, most stable and least competitive. Where does yours stand and is it time to make a change?
Freelancing is never just about the!-->!-->!-->…
Freelancers could be part of mass exodus of Brits having to retire abroad as UK deemed too expensive
A new survey reveals why more people in the UK may have to retire abroad to make ends meet
As tensions in France flare over the raising of the retirement age from 62 to 64, UK sentiment about retirement ages doesn’t seem to differ much!-->!-->!-->…
“Streaming and AI changed everything”: Why the actors’ and writers’ strikes…
The actors' and writers' strikes are having a more lasting financial impact on freelancers than expected. The Freelance Informer looks into how a petition created for income support for those UK freelancers affected by the strikes, could!-->…
Which would you choose: a 3-day weekend for life or a million in the bank?
We look at how freelancers could have more power to manifest change in their lives than most and how to go about it
If a genie magically appeared and granted you three wishes what would they be and would they be the same as most Brits?!-->!-->!-->…
How do I communicate to a client that their demands and manners are unacceptable?
A writer asks The Freelance Informer what to do in a tricky situation and we offer our suggestions to make your concerns heard in a professional way including an email template
As a freelancer, you may sometimes encounter clients who!-->!-->!-->…
Freelancing on a platform vs. independent
There are two main ways to freelance: you can either work on a platform or be truly independent. We highlight the pros and cons of both to help you decide
Platforms like Upwork, Fiverr, Toptal and Yuno Juno allow freelancers to connect!-->!-->!-->…
How to create an optimal morning routine
In this guide, we highlight step by step how you can formulate a morning routine that's just right for you. Plus some inspiration from some of the world's most successful people
How your morning goes can set the tone for the rest of the!-->!-->!-->…
Could AI become obsolete in just a matter of years?
AI's bottleneck isn't about tech, but something else. Katherine Steiner-Dicks reports
When it comes to reading comprehension, speech recognition and image identification, artificial intelligence (AI) or more specifically language models!-->!-->!-->…
IT contractors and AI: Do your communication and problem-solving skills need a reboot?
As artificial intelligence (AI) continues to evolve, IT contractors are facing new challenges and expectations. Human expectations. To be successful in this changing landscape, IT contractors will be wise to develop strong communication!-->…
How freelancers can get paid to travel the world
The dream of many people is to travel the world and experience different cultures. But for most people, this dream is just that - a dream. However, there are a number of legitimate ways that remote workers and freelancers can get paid to!-->…
Could you be a freelancer with undiagnosed ADHD?
What are the behaviour patterns of ADHD in adulthood? Would you be able to spot them? Here we look at the gender-shared and gender-specific signs of ADHD. We also share expert tips and resources to help you overcome any behaviours that!-->…
If freelancing was a soundtrack: song titles that best describe what it’s like to be a…
Manic days when you need to let your hair down at the end of the day are why songs like "It's Five O'Clock Somewhere," by Alan Jackson and Jimmy Buffett were written.
If you have been freelancing for some time or are new to it, you will!-->!-->!-->…
One in three homeowners needs £1000 more a month to afford mortgages. How can freelancers bring in…
A recruitment specialist reveals that more candidates are coming to market to find new clients to accommodate for higher mortgage payments. As more freelancers struggle to make ends meet we offer a list of ideas to help them bring in more!-->…
Between projects? Here’s how freelancers can make the most of their time off and come back…
When you are working between projects or looking for new clients, could you be using that time more effectively to advance your career? We look at ways that freelancers can make the most of their time off between projects to boost their!-->…
How to create a killer online freelance portfolio
Don't leave creating your freelance portfolio to chance. Consider it one of your most important assets. Here we take you through the steps of choosing a portfolio app creator and what to include in your portfolio to make it stand out
In!-->!-->!-->…
Amazing weekends just don’t happen. Here’s how to plan them and get the most out of your…
The weekend is a time for rest and relaxation, but it can be easy to waste it away on chores or being the household's taxi driver. If you are a freelancer you could be fitting in work, too. Here are a few tips on how to make the most of!-->…
Amazon’s call for freelance video creators backfires
Amazon has been looking to boost its TikTok-style shopping feed by offering payments to creators to make videos, it has been reported. However, creators feel their services and skills are being mocked as the offers are too low, according!-->…
“Why are we waiting?”: HMRC spent £451m of its budget to combat tax avoidance. Why…
OPINION
HMRC spent 6.5% of its £6.8bn annual budget fighting tax avoidance, according to its 2022/23 expenditure report. For some people, this isn't enough.
They feel the tax authority should be spending more of its budget on!-->!-->!-->!-->!-->…
Self-employed, renting and a single parent? Here’s how you can still save for retirement
The self-employed, single parents and renters are seeing their retirement savings slide, according to a new report. The Freelance Informer shares ways you can keep your head above water and still save for retirement
Be informed, be!-->!-->!-->…
Maley: government must “wake up” and support self-employment to beat UK cost of living…
SPECIAL REPORT
Contractor specialists and even some Tory MPs are calling for more government support when it comes to encouraging people into self-employment to make ends meet and boost the economy
Personal finance and property!-->!-->!-->!-->!-->…
How freelancers can always be one step ahead of AI
We look at which freelance jobs were in highest and lowest demand in the first half of 2023 and how freelancers no matter their job, can outperform artificial intelligence by boosting one trait
The press release headline read:!-->!-->!-->!-->!-->…
Are tattoos taboo for client meetings?
Tattoos may be more mainstream, but are they still taboo in the workplace? This is a question that has been making the rounds on LinkedIn. We are calling out to freelancers with tattoos to share their experiences and tat pics!
Research!-->!-->!-->…
How to become a solopreneur and make money from two of the fastest-growing beauty trends
We look at two of the fastest-growing beauty trends and what to consider if you want to launch a business to ride the wave
The organic beauty industry is booming, and the demand for organic nails and lash extensions, specifically, is!-->!-->!-->…
Arsenal’s Saka and Fiverr launch UK incubator for young freelancers
Freelancer jobs platform Fiverr has formed a partnership with England and Arsenal star Bukayo Saka to launch an incubator programme called Ideatorr. Could you become involved?
Ideatorr will provide young UK entrepreneurs with!-->!-->!-->…
VC-backed companies could have uptick in cybersecurity contractor jobs following risk report
A cybersecurity firm conducted a risk assessment on over 5480 venture capital portfolio companies and found each one was at risk. Will contractors be called in to make them more secure?
A cyber security risk assessment of thousands of!-->!-->!-->…
“Ironic”: IR35 reforms have facilitated a zero-rights employment boom in the public…
The Department for Work and Pensions has released its accounts for 2022-2023. The findings reveal government contractor hiring practices are increasingly favouring zero-rights employment which could go against HMRC's former concerns about!-->…
New report: women in tech need to catch up on experience
A new report has found that women in tech are lacking in experience compared to their male counterparts. We share tips on how they can make up the gap, gain more experience and accelerate to senior management positions
New research!-->!-->!-->…
The best European cities for expats
A new study from Travel Far and Wide has investigated the best cities in Europe for expats to move to in 2023. Yet, they may not be what you'd expect or want to hear
Many freelancers and contractors dream of living abroad at some point!-->!-->!-->…
How to create a landing page to attract more clients
A freelancer's website landing page is one of the most important tools to attract new clients. It's the first impression potential clients will have, so it's important that it's well-designed, looks professional and is informative about!-->…
Are Time Tracking Apps Worth the Money for Freelancers?
We look at the pros and cons of investing in time-tracking apps for freelancers. Does the monthly app fee pay for itself? We compare 5 of the top time-tracking apps to help you decide
As a freelancer, you know that time is money. That's!-->!-->!-->…
Do UFO sightings spike in times of down market cycles and war? And should freelancers take notice?
UFO sightings are on the up (again) and US congressmen are starting to take notice. Should freelancers and side hustlers do the same?
Revelations about a secret and decades-old government programme that has reportedly uncovered!-->!-->!-->…
Self-employed and small business owners losing faith in HMRC
Nearly half of self-employed workers and small business owners are losing confidence in HMRC, according to data published by the tax office. But they are doing some things right, according to small business owners.
Small Businesses’!-->!-->!-->…
Would HMRC fine itself if its contractors got caught up in an umbrella tax avoidance scheme?
Following news that HMRC-hired contractors over the past year were predominately hired inside IR35 with many becoming umbrella company workers, Dave Chaplin, CEO of IR35 compliance firm IR35 Shield responds to questions about just how far!-->…
Average house in England is now 8.4 times income
The average house price in England is becoming unsustainable. Overstretched buyers will face "rate hell" says personal finance expert as ONS says housing in England has not been affordable since 2017. Is there any good news on the horizon!-->…
UK companies look to recruit talent overseas to cut wage costs. Here’s how freelancers can…
We explore what is happening in corporate UK hiring trends and how they could be impacting freelance recruitment
Businesses are bemoaning that pay increases are not sustainable. Some are exploring other ways to attract and retain staff,!-->!-->!-->…
Sinéad O’Connor one of the world’s most loved and controversial music artists dies at age 56
Sinéad O’Connor, the singer from Ireland that was equally beloved and scrutinised across the globe since the 1990s lived a rich and tumultuous life filled with success and great loss
Singers, comedians, artists. They are the ultimate!-->!-->!-->…
Sadly there’s a link to unregulated umbrella industry growth and HMRC inside IR35 hiring
‘Hypocritical’ HMRC has not engaged any contractors outside IR35 in past year, says IR35 specialist
OPINION
IR35 specialist, Seb Maley, the CEO of Qdos, an insurer for the contractor industry, has reacted to the news that HMRC!-->!-->!-->!-->!-->…
How freelancers can generate new leads and business with X
Elon Musk has rebranded the social media platform Twitter to "X" this week. We look at the platform's features and why they could be used by freelancers to boost their business leads and revenues.
But what we'd like to know is if we!-->!-->!-->…
Don’t make these common freelance contract mistakes
Follow these simple steps to avoid making costly freelance contract mistakes. Plus how to edit and add pages in Adobe Acrobat
Many working professionals, such as freelancers and small business owners, put together contracts regularly!-->!-->!-->…
Want to live a longer and healthier freelance life? Try the Blue Zone lifestyle
In today's fast-paced world, where work often takes precedence over personal well-being, freelancers face unique challenges in maintaining a healthy lifestyle. The allure of flexible hours and remote work can sometimes lead to irregular!-->…
New report reveals top 20 salary increases for 2023
Freelancers in certain sectors are likely to have seen gains in their day rates over the past year and could expect more rate hikes to continue for 2023. Here are 20 of the top salary increases for 2023
Engineering, technology and life!-->!-->!-->…
How quickly can you become a freelance SEO expert?
Once you get trained as a Search Engine Optimisation (SEO) expert you could branch out into new freelance roles and offer existing clients a whole new level of service to generate extra income
Becoming an SEO expert is a great way to!-->!-->!-->…
Treasury to double max sentences for tax avoidance and create a new criminal offence
The Treasury is proposing to double maximum sentences for the most egregious cases of fraud from 7 to 14 years to crack down on tax fraud and deter criminal actions, it was reported today.
The Treasury is introducing tougher measures on!-->!-->!-->…
Saffron opens up mortgage market to self-employed with just one year’s worth of accounts
For those working on a self-employed or contractor basis, securing a mortgage in the current economy of rising interest rates and a cost of living crisis is getting more difficult. However, UK building society Saffron says it is making!-->…
Should PM Sunak take a cue from New York City Mayor Eric Adams on how to support freelancers?
New York City Mayor Eric Adams has played a critical role in getting justice for unpaid New York City freelancers as part of New York City's Freelance Isn't Free Act. Read about how he and others took a company to court over late and!-->…
More interest rate hikes on the cards says expert
Freelancers should prepare for more bad news to hit the economy later this year. The good news is, there are actions freelancers can take now to get ahead
The latest employment and wage figures from the ONS could spark the Bank of!-->!-->!-->…
Has HMRC conveniently “ignored” double taxation of IR35 for years?
Just as hiring companies are becoming more flexible when it comes to hiring outside IR35 contractors, the government's slow response to double taxation of IR35 could reverse that trend, experts tell The Freelance Informer
Be informed,!-->!-->!-->…
Kermode: “UK tax system has become more unfriendly to self-employed”
The founder of independent and temp worker advocacy group IWORK, says the UK tax system has become "unfriendly to self-employed workers... clearly looking to push people into employment." The FI asks Kermode, what she believes government!-->…
Self-assessment late penalty charges set to soar
Self-assessment taxpayers who fail to pay by 31 July could face interest charges as high as 7.5%
Self-assessment taxpayers should do their best to pay their self-assessment charges for payment on account by 31 July to avoid getting hit!-->!-->!-->…
Now that it’s summer digital nomads are fresh targets for international driving license scams
Freelancers and digital nomads looking to work remotely outside the UK can now apply for International Driving Permits (IDPs) and International Driving Licenses (IDLs) that will allow them to drive outside their home country without the!-->…
New dating app claims it creates better first dates
Profiles get real with in-app video profiles to let your real self shine through with less ghosting
Singles are exhausted by the never-ending scroll for companionship in search of authentic connections. That's according to a recent!-->!-->!-->…
Latest NHS staffing shortages sure sign that IR35 has to be scrapped for the greater good
Freelancers have found it increasingly difficult to access roles within the NHS at a time when they are desperately needed
The Association of Independent Professionals and the Self-Employed (IPSE) is calling for the government to!-->!-->!-->…
How thinking small saw founders make it big
A business that began from a mum assisting with her son’s school project, to over half a million units sold worldwide, is set to celebrate its 10th anniversary with the re-launch of its most popular product - Hot Stuff In A Matchbox. We!-->…
Alleged corruption strikes umbrella industry again
Two employment tribunals have found that two umbrella companies made unlawful deductions from their employees whilst being FCSA-accredited. In a separate case, it has been found that a KC-approved ‘mini umbrella’ has cost taxpayers £50m!-->…
Revenge of the billionaire nerds: Musk v. Zuckerberg
Meta's Zuckerberg and Tesla/Twitter's Musk are talking tough. They are taunting each other to battle it out in a cage fight. Yes, seriously. Musk already knows Twitter talk isn't cheap (he had to buy the company last time he did that), but!-->…
ULEZ expansion: it’s killing trade and pushing up costs for tradespeople, customers finds new…
One in four London tradespeople say the ULEZ expansion has had a detrimental impact on business. A new study finds it could undermine the Mayor of London’s plans to improve the city's housing stock so should there be a call for it to be!-->…
How to protect yourself from the stealth tax raid
HMRC data: stealth tax raid doubles the number of people paying highest rate of tax. We share expert tips on how to save tax
This tax year there will be 4.2 million more people paying income tax than in 2020/21 (35.9 million)
!-->!-->!-->!-->!-->!-->…
Contractors now banned from using TikTok on personal devices
US Federal contractors will no longer be able to have TikTok on their personal mobile phones or devices following a new ruling in the US. Could UK public sector contractors be next? And what data does TikTok actually collect about you?
!-->!-->!-->…
ICAEW Tax Faculty calls for safeguards for directors of tax avoidance schemes
ICAEW's Tax Faculty is proposing safeguards for directors of alleged tax avoidance schemes in response to HMRC’s latest proposals that would allow a criminal offence to be applied where promoters fail to comply with a stop notice and!-->…
Small business owners with an Amazon Prime account now get free Business Prime Duo account
Amazon's Business Prime Duo package, which costs $40/ year, is now being offered for free to small business owners that already have an Amazon Prime account. Here's how to set up an account and how to get the most out of the package
!-->!-->!-->…
One of the most liberating things about being a freelancer: you retire when and if you want to
If there is a call for ageing workers, especially senior executives, "to retire already" to give younger generations a chance to move up the corporate ladder, is the same being asked of freelancers?
Be informed, be Freelancer Informed!!-->!-->!-->…
How to get over career switch anxiety
New data reveals that 57% of adults have switched careers in their lifetime. But younger generations are more prone to switch careers more than once. A new study looks into this phenomenon and the FI looks at how it can be applied to a!-->…
Best places to take a wellness workcation
Can't afford to take a holiday? More freelancers and people who can work remotely are considering a workcation with a wellness twist. Here we share the best destinations for wellness workcations in 2023
The summer is here and for many!-->!-->!-->…
Chancellor agrees mortgage 12-month grace period: how will it work and will interest rates rise…
Chancellor agrees on new support measures for mortgage holders in new mortgage charter. MSE's Martin Lewis met with Jeremy Hunt to ensure people were getting a deal that was fair and flexible
The Chancellor met the UK's principal!-->!-->!-->…
HMRC latest IR35 case against Gary Lineker could spark changes to General Partnership laws
The HMRC case against Gary Lineker has reignited, according to an Upper Tribunal (Tax and Chancery) hearings and register announcement. Dave Chaplin, CEO of IR35 compliance firm IR35 Shield offers his insights into why HMRC is bringing!-->…
Apple says goodbye to passwords, Apple Watch gets new look and “feels” plus other WWDC…
The Worldwide Developer Conference (WWDC) saw some amazing product and feature launches from Apple. Here we highlight some of the new things for developers and end users to get excited about
Is this the end of passwords?
Apple’s!-->!-->!-->!-->!-->…
Off-payroll has “fuelled” tax avoidance schemes and double taxation “flaws”
This week the government is closing two consultations involving Off-Payroll legislation. Contractor sector experts offer thoughts on what needs to change to put the freelance workforce back on track
Two Government consultations!-->!-->!-->…
Why freelancers must prepare for more bad news
British food prices are up 30% since Brexit, according to an LSE report. We highlight the other costs likely to rise this year along with cost-saving tips
Researchers at the Centre for Economic Performance at LSE have found that the!-->!-->!-->…
This is what is going wrong with recruitment
A new survey reveals which company policies and recruitment processes will likely have workers walk away from existing or prospective roles
PAY TRANSPARENCY: Over 40% are more likely to apply to jobs listings with a salary range
!-->!-->!-->!-->!-->!-->…
Latest insolvency figures spell bad news for self-employed
The number of registered company insolvencies in May 2023 was 2,552, 40% higher than in the same month in the previous year (1,825 in May 2022). This was higher than levels seen while the Government support measures were in place in!-->…
New Parliamentary debate over freelance economy
Conservative MP Lord Hannan of Kingsclere says the government and taxman should not be frightened of the freelancer revolution, nor should ministers stand in its way
Lord Hannon is among a small yet possibly growing group of!-->!-->!-->…
MP calls for IR35 to be abolished to win election
David Davis MP has called for a cancellation of IR35, as a way to help Conservatives win the next election. But will other MPs listen? Dave Chaplin of IR35 Shield offers his take on the situation
Davis made his view known in a Telegraph!-->!-->!-->…
Freelancers to enter survival mode if Bank of England raises interest rates again
Freelancers are going to have to work more or smarter or both to keep the lights on
A Bank of England rate-setter, a Goldman Sachs strategist and an analyst from the Centre for Economics and Business Research walk into a bar. What do!-->!-->!-->…
What will determine worker status under new EU freelancer rules?
The European Council will start negotiations with the European Parliament on a new law that could change the worker status of freelancers in an effort to improve their working conditions
The proposal introduces two changes: to determine!-->!-->!-->…
How to create an app in a week
Conceptualising, building and selling an app in a week sounds like a crazy idea. But we thought we'd outline what would be involved if you tried to attempt it and no-code apps to make it easier.
Why do people use apps? To make their!-->!-->!-->…
How to contact HMRC this summer even though the self-assessment helpline is closed
HMRC’s resourcing problems are catching up with them. The tax authority has announced that the self-assessment helpline will be closed until September. What do you do if you have a serious question?
Don't have a tax agent or accountant?!-->!-->!-->…
New umbrella industry clean-up could still leave clients and agencies “saddled with…
The Government has published its response to the Call for Evidence consultation into the Umbrella Market that closed over a year ago. It's also opened a new consultation into tackling non-compliance
The government's stance on the!-->!-->!-->…
Newspaper aims to solve structural racism in media by launching freelance hiring campaign
Freelancers are often the answer to talent gaps. Now they could be helping diversify the media industry and the stories we read
"Bringing in more people underrepresented in the media is not easy," writes Priyanka Raval, a reporter for!-->!-->!-->…
Why France is the best place for freelancers to live
France takes the crown for best place for freelancers to live. Where else is proving popular?
A study carried out by Tipalti revealed the top ten countries to live as a freelancer based on broadband price, mobile speed, the expense of!-->!-->!-->…
How to avoid late payments as a freelancer
Feel like you are working for some clients for free? New research shows the common causes of why freelancers could be getting paid late and how to avoid them
When a freelancer lands more than one client that pays them on time, it's!-->!-->!-->…
Why every freelancer must write their own obituary
Writing your own obituary may seem weird at first. But it's one of the most effective career-boosting exercises to reveal to yourself what you really want out of life and your freelance work
We delve into the art of writing one's own!-->!-->!-->…
Scammers targeting tax credit customers: here’s how to protect yourself
HMRC issues scam warning to tax credits customers and a reminder that scammers use deadlines
HMRC has issued a warning to tax credits customers, who are renewing their tax credits claims, to be alert to scammers trying to steal their!-->!-->!-->…
IR35 experts warn of new umbrella company scam
Experts warn of Off-payroll tax avoidance loophole that leaves people exposed
Industry experts are sounding warning bells about a new “Gross Payment Model” emerging in the umbrella company sector, which they claim is a tax avoidance!-->!-->!-->…
Learn how to do CPR in 15 minutes
The solo self-employed may have less access to corporate health training than their salaried counterparts, but that shouldn't hold them back from seeking life-saving training, such as how to do CPR. In this Freelancer's Lunch Break, we!-->…
That 5-2 juicing cleanse could be counterproductive according to research
Intermittent fasting and other diets are all over social media these days. While many are proving successful for weight loss, could they be not as healthy as we believe or could be?
The Freelance Informer looked into the latest 5-2!-->!-->!-->…
Government decision on non-compete clauses won’t be decided for “some way off” say…
Osborne Clarke has reported that the UK government is proposing to introduce legislation "when parliamentary time allows" to cap the duration of non-compete provisions in employment contracts at three months. However, a decision won't be!-->…
The £300m hole created by public sector IR35 bills is “astonishing” and…
UKRI hit with £36m IR35 bill, taking non-compliance in public sector to £300m
Another public sector body, UKRI, has revealed it was hit was a multi-million-pound IR35 bill (of £36m), taking non-compliance in the public sector to around!-->!-->!-->…
20 reasons why you need to get over going grey
Going grey? Not sure how to feel about it? We find multiple and often unexpected benefits of going grey so you can rock it instead of knock it
The average age of a UK freelancer in 2023 has already celebrated their 50th birthday,!-->!-->!-->…
New study finds Gen Z is empowering freelancers more than any other generation
Graduation season is upon us, which means a new influx of Gen Zers will be entering the workforce. A new study finds that this could give freelancers more empowerment than ever before
Key findings include:
Gen Zers are more likely!-->!-->!-->!-->!-->!-->…
New data indicates freelancers with clients in these industries could struggle to negotiate a rate…
The UK Industries seeing the smallest increase in wages are an indicator that clients in these sectors could be slow to negotiate a rate rise with freelancers. Is it worth staying or moving on?
Financial & Insurance Activities has!-->!-->!-->!-->…
New PayePass CEO Kermode on stamping out umbrella industry non-compliance: “There really is…
We ask ex-FCSA chief executive, Julia Kermode, about her appointment as the new CEO of umbrella company compliance specialist, PayePass, and how she aims to stamp out non-compliance in the umbrella industry supply chain.
Her appointment!-->!-->!-->…
Is the freelance life right for you?
If you are on the fence about becoming or staying self-employed, then it’s time to explore your options. Gee Foottit of St. James’s Place Financial Adviser Academy shares a step-by-step Odyssey plan to help you decide
GUIDE
By Gee!-->!-->!-->!-->!-->…
The benefits of filing self-assessment early you probably didn’t know
Completing your tax return can be boring. But since you're filing it anyway, you might as well reap the many benefits of filing early, according to a personal finance expert
“The old self-assessment catchphrase that ‘tax doesn’t have to!-->!-->!-->…
Government extends £2 bus fare cap until October
Millions of passengers across England will continue to ‘Get Around for £2’ and access vital bus services following £500 million in government funding. But prices will go up in October
The £2 bus fare has been extended until 31 October!-->!-->!-->!-->…
New data finds salary erosion driving people into self-employment and contract work
Inflation is driving permanent hire and salary freezes, which is influencing more people to go into self-employment to gain greater control over their earning power
“While there may be a fall noted in jobs in the UK, the uptick in the!-->!-->!-->…
“Bulldozed by inflation”: retirement in the UK is becoming “impossible”
Freelancers, especially those nearing retirement age, can expect to feel the economic headwinds this summer now that the Bank of England has put up interest rates again to 4.5%. Will we have another rate hike this year? It's no wonder more!-->…
Big developments in Off-Payroll, skimming and rolled-up holiday pay
Over the past week legal and policymaking developments impacting contractors and umbrella company workers have been announced. What do the experts think of the news?
Tax office closes down 18-month IR35 probe marking ‘turning point’!-->!-->!-->!-->!-->…
The 10 risks unmarried couples need to address
You build a life with someone and for one reason or another, you don't get married. Maybe it was due to the COVID lockdown, the cost of a living crisis or you didn't think you needed to go through the legal stuff to share a life together.!-->…
Are you promoting your freelance services in a half-baked way?
If you are a contractor that over-relies on recruiters to get your next project or client, you could be limiting your options - and theirs - to put your best foot forward. Try out these expert strategies to build your brand and expand your!-->…
New report says UK companies are hiring more temp workers and at higher rates
UK recruitment consultancies are reporting that clients are making more temporary hires over permanent ones amid lingering economic uncertainty, according to a new study.
Temp billings for recruiters were recorded as the fastest growing!-->!-->!-->…
AI contractors “unrecognised and underappreciated” by big tech
In order for AI to function, it needs human intelligence and serious manhours
"Grunt workers." This is a term one contractor refers to himself and others that have worked to build artificial intelligence companies like ChatGPT in recent!-->!-->!-->…
New crypto app claims it can cut currency exchange costs for contractors by 50%
A ban on remote work between many countries due to different currencies and transferring fiat money is a big problem for some contractors. A new app aims to solve that
"Where dollars are not banned or have limited circulation, the total!-->!-->!-->…
Freelancer awarded $300,000 in a lawsuit against Kanye West fashion brand Yeezy
Freelance creative director learned a costly lesson when not signing a contract with fashion brand
Kanye West’s fashion brand Yeezy has been ordered to pay $300,000 to a Brooklyn-based freelance creative director who claimed the fashion!-->!-->!-->…
New King’s Coronation nature reserves and woods to spark nature jobs across the UK
England’s longest national trail to be renamed the ‘King Charles III England Coast Path’
The next two sections of the King Charles III England Coast Path to open will be in Filey, North Yorks and Crosby Beach, Liverpool. Both sections!-->!-->!-->!-->…
The US Fed has upped its interest rate, can we expect the same for the UK if more US banks tank?
The US Federal Reserve is raising the interest rate paid on reserve balances to 5.15 per cent, effective May 4, 2023. The move is likely to spark an interest hike announcement in the UK according to several news reports.
Central banks!-->!-->!-->…
HMRC launches new service for import businesses
Hundreds of thousands of UK traders could benefit from new service to make importing easier
Any solo self-employed traders that import goods from food to antiques could have more certainty in valuing duties and VAT with HMRC's launch!-->!-->!-->…
New report suggests only 1 in 5 self-employed headed for a comfortable retirement
The Office for Budget Responsibility projects the UK's state pension and pensioner benefit spending will rise from 5.6% to 9.6% of national income by the early 2070s; this increase is equivalent to £100 billion a year in today’s terms. The!-->…
Freelancers with depression could be at higher risk of heart and circulatory diseases
If you manage depression through psychological therapy you could have a better chance of decreasing your risk of heart disease and stroke, according to research
The risk of cardiovascular disease is approximately 72% higher among!-->!-->!-->…
More estate agents and career shifters turning to self-employment in 2023
Brokerage Just Mortgages has hired 48 new advisers in the first quarter of 2023, a sign that its self-employed division is doing something right. What do you need to do to become a self-employed mortgage adviser or broker?
Since!-->!-->!-->…
Niche freelance translators gain an edge to compete with AI
Freelance translators will see a spike in demand for their services over the next 5 years. But with artificial intelligence bursting into the translation scene, should freelance translators be concerned? We ask both a freelance bilingual!-->…
New government consultation looks into double- taxation of IR35
The government says it will launch a consultation to explore ways HMRC can account for double-taxation if a business gets caught for non-compliance and contractors have already paid a certain amount of tax.
As it stands, HMRC does!-->!-->!-->!-->!-->…
How to use ChatGPT’s API to start a business
If you are an app developer or a freelancer wanting to create a new digital knowledge-based business you might want to consider ChatGPT's API. There will be some costs involved, but relatively low for a startup.
The ChatGPT API and!-->!-->!-->…
With PAYE worker numbers up 400% government lacks the incentive to regulate umbrella industry
Government slammed for “deafening silence” over umbrella industry consultation. The question remains, why has the government dragged its feet for 6 years to regulate the umbrella industry?
Be informed, be Freelancer Informed! |!-->!-->!-->…
IR35 mismanagement threatens UK’s £3.5bn plan to become tech ‘superpower’
Trade unionists and freelance service providers call out the government on the mismanagement of IR35, its stifling impact on tech companies and the freelancers they desperately need to grow
After British trade unionist Mick Lynch!-->!-->!-->…
How to calculate your personal inflation rate
The Financial Times has published a free personal inflation rate tool so that you can calculate how much your monthly spending has gone up over the past year and how it compares to the UK national average
One look at how much your!-->!-->!-->…
Majority of people are looking for new work because their pay is not keeping pace with inflation
With the vast majority of pay increases not keeping pace with inflation, two-thirds of workers are searching for a new job
Less than one in four workers who received a pay rise in the past year had their salary increased in line!-->!-->!-->…
Female freelancers are better off pitching with a business name rather than their own finds new…
Female freelancers' career paths are judged differently than those of male freelancers even when they are similar, finds study
A Harvard Business Review report has revealed that a study has found that female freelancers that have!-->!-->!-->…
Laid-off Amazon and Microsoft employees insulted by tech recruiter insensitivity
Reports are coming out of the US that recently laid-off Amazon and Microsoft employees are being offered contracting jobs for their previous roles but without benefits and at much lower pay. Could these insensitive recruitment tactics put!-->…
Majority of people made redundant no longer trust full-time work
Over half (57%) of UK workers laid off since December 2022, are now exploring alternatives to full-time work as they lose faith in salaried work, finds a new report. One in four of those surveyed is considering moving back in with their!-->…
Childminders in the UK must get rates aligned to survive
Childminding can be a rewarding career. However, self-employed childminders across the UK could be short-changing themselves and their own families with below-living wage rates, agency and set-up fees and ongoing costs.
Childminding is!-->!-->!-->…
You don’t need to be a genius to read faster
Anyone that has wished they could read faster but never thought it possible probably hasn't tried bionic reading. For many that have tried it, it is a life changer. We find out how it works and how can you access it
Be informed, be!-->!-->!-->…
Cybercriminals now using psychology to target remote burned-out workers
4 in 5 ransomware attacks include threats beyond data encryption and are now focusing on emotional manipulation, according to CyberEdge Group's Cyberthreat Defense Report (CDR). A cybersecurity awareness expert with a background in!-->…
New study reveals cheapest Spanish cities for digital nomads
New research has discovered the top 10 cheapest Spanish cities to live in for digital nomads, with Ávila taking the top spot
If you are considering working remotely in Spain this year, whether, for a week or several months, you may want!-->!-->!-->…
Are you more suited to fractional consulting or contracting?
Contractors, freelancers and fractional consultants are all in demand, but how do they differ and how does IR35 come into play?
Highly skilled consultants and contractors could equally find fulfilment in helping small and mid-sized!-->!-->!-->…
It’s a new job scene for tech contractors
IT professionals that have recently left roles at large tech companies are finding new and rewarding salaried and freelance career opportunities at SMEs and startups in non-tech industries
Be informed, be Freelancer Informed! |!-->!-->!-->…
More freelancers turn to this app to attract new clients
One app that has been particularly instrumental in helping individuals build their freelance businesses is NextDoor, a social networking platform designed specifically for neighbourhoods and local businesses.
What is NextDoor?
!-->!-->!-->!-->!-->…
Amazon driver case a “horrendous mess” causing even more confusion in the UK freelance…
1400 Amazon drivers have launched a bid for employment rights. The employment tribunal case comes at a time when highly skilled solo self-employed freelancers are finding it harder to be truly independent without companies forcing them!-->…
How to tackle late paid invoices as a freelancer
Are late payments causing you financial problems? Here are your rights about getting paid on time
Late paid invoices can wreak havoc on your finances and personal life as a freelancer. The added struggle of higher interest rates and!-->!-->!-->…
New UK tax and pension allowances are kicking in
10 new rules are kicking in this week, some are welcome, some not. Two experts from Hargreaves Lansdown, highlight what each change could mean to you and how to protect your money from the "clutches of the taxman"
"It’s going to!-->!-->!-->!-->!-->!-->!-->…
Cost of living crisis: it’s impacting how freelancers now work
The London School of Economics and the Centre for Economic Performance found that a third of the UK's self-employed are experiencing financial difficulties paying basic expenses. Many freelancers as a result of the cost of living!-->…
New rules for freelancers and temp workers in the Netherlands
The Dutch government is cracking down on companies being overly reliant on freelancers
New labour policies are brewing in the Netherlands that will have serious consequences for people who choose to work on a freelance or temporary!-->!-->!-->…
New study reveals 7 in 10 business consultants to go freelance by 2033
COMATCH, which has been recently acquired by freelance marketplace Malt, has revealed from a study it conducted, that 7 in 10 business consultants and industry experts will go freelance over the next decade. What's driving this freelance!-->…
Malt now home to largest freelance jobs marketplace in Europe
Private equity-backed Malt has acquired COMATCH, a German marketplace for independent business management consultants and industry experts.
With Europe's freelancing market valued at EUR 355 billion euros, Malt projects to become the!-->!-->!-->…
Cyber security training: the new career that could keep you outside IR35 and ease you into…
IT contractors looking for a varied client base and a way to ease into semi-retirement may consider a career in corporate IT and cyber security training or higher education. However, who you might be training may surprise you, according to!-->…
If working until 68 fills you with dread now, then it could be time to remap your career
CAREER TIPS
The expected State Pension Age hike to 68 in the UK has been delayed -- for now. As riots and protests over the increased pension age wreak havoc across France, Katherine Steiner-Dicks poses a list of self-discovery!-->!-->!-->…
Conservatives’ new anti-social behaviour fines are better money grabs than IR35 and the loan…
OPINION
Fines for anti-social behaviour are going up following Rishi Sunak's new crackdown. Money grabs like these arguably make more sense than others like IR35 and the loan charge since they protect society and boost the Treasury's!-->!-->!-->…
How can freelancers “spring clean” their business every year?
We spring clean our homes, but what about our freelance businesses?
Here we discover how freelancers can carry out a spring clean of their business objectives and client base so they can declutter what might be causing unnecessary!-->!-->!-->…
New report reveals freelancers are more out of pocket in cost of living crisis than employees
Most employees and freelancers work five days a week on average with a similar number of contracted hours, however, freelancers are more likely to work overtime than employees and be out of pocket during the cost of living crisis, finds!-->…
The biggest challenge for freelancers in 2023 is…
Almost half (46%) of freelancers across the globe have reported an increase in demand for their work compared to 2021. That said, they are still faced with challenges, having to think bigger and globally to survive
Be informed, be!-->!-->!-->…
The song’s not over yet for BBC Singers’ freelancers
BBC's plans to axe its BBC Singers programme have been thwarted by public outcry and Musician Union negotiations leaving the future of freelancers and young singers across the UK with a renewed sense of hope.
Be informed, be Freelancer!-->!-->!-->…
Free Careers Course For Disabled Creatives Looking To Expand Their Skills
With just over 14.6 million disabled people in the UK, more than one in five of us will be affected by disability at some point in our lives, it's important that the creative industries start investing in disabled talent.
That is why!-->!-->!-->…
Is Just Eat’s switch to a contractor model a sign of the times or of their own doing?
OPINION
Food delivery business Just Eat in the UK is switching to a contractor worker model, replacing its once hybrid model in an effort to cut costs, it has been reported. Workforce status experts are concerned Just Eat couriers could!-->!-->!-->…
New report highlights disappointing trends in white-collar contractor recruitment
White-collar jobs fell in February indicating the UK's economic climate continues to put pressure on the highly skilled labour market. But reports of potential mass job losses in London's financial district following the UBS take-over of!-->…
How to carve a freelance career out of what you love to do
Carving a freelance career out of what you love to do and are equally good at can be an excellent way to have greater balance in your life.
Like all careers, just because you love to do something does not mean it will always be a walk!-->!-->!-->…
Self-employed to get rough deal says new report
Freelancers and small business owners looking to apply for business loans and credit cards this year can expect to see less competitive rates and even less funding, finds a report
Small business lending is not looking rosy in the UK.!-->!-->!-->…
Brendan Fraser: the actor that showed us the value of perseverance in life and work
Actors and actresses every so often have what Hollywood likes to call a comeback. John Travolta, Ke Huy Quan, Sharon Stone, Robert Downey Jr., Rob Lowe, Betty White, Ellen Degeneres, Patrick Dempsey and of late Brendan Fraser have all!-->…
Umbrella companies to be regulated, but when?
Labour Market Enforcement Strategy promises umbrella regulation to ‘root out non-compliance. Industry commentators respond to the news and how they still fear a long wait ahead for something concrete to materialise.
Be!-->!-->!-->!-->!-->…
Want to start trading stocks? Here are the top educational trading podcasts to give you an edge
New study reveals searches for ‘how to start trading’ have risen 203%. Could we see more freelancers take an interest in self-investment?
The increase in population over stock trading has become increasingly popular and searches for!-->!-->!-->!-->…
New OBR report says house prices to slide
Houses prices are expected to fall in the UK, but when will they recover?
Liberal Democrats are calling for a £3 billion Mortgage Protection Fund
Polling finds house price fall could cost Conservative party votes at the next!-->!-->!-->!-->!-->!-->…
Spring Budget: will we be better off?
The Spring Budget offered a few reasons to celebrate, but freelancers should prepare for some tax and interest rate hikes over the course of 2023
Alcohol tax to jump to 10% in August
Draft beers pulled in pubs will be 11p cheaper!-->!-->!-->!-->!-->!-->…
Energy price guarantee to be kept until June 2023
The Chancellor has announced before the Spring Budget that The Energy Price Guarantee (EPG) will be kept at £2,500 for an additional three months from April to June, saving a typical household £160. But what can we expect after June?
!-->!-->!-->…
The skill sets that could boost your freelancer income by £££s
Every freelancer should consider bringing new services or product options to their clients. But does this mean going back to university to re-skill? And will certain skill sets forge higher earning power?
Be informed, be Freelancer!-->!-->!-->…
Is something is brewing in Westminster about umbrella non-compliance
The jury is still out as to whether the Spring Budget will include an announcement on what the government will do next to crack down on unlicensed or non-compliant umbrella companies. But according to Osborne Clarke Workforce Solutions,!-->…
What are the benefits of running multiple businesses under one limited company in the UK?
If you are a freelancer running your business through a limited company and you have a new business idea, it's good to know that there are many benefits of running multiple businesses under one limited company.
If you have already!-->!-->!-->…
New Public Accounts Committee report finds £5bn in COVID support lost to error and fraud
COVID support fraud: £5 billion paid to self-employed and employers whose incomes did not drop, finds a Public Accounts Committee report
Dame Meg Hillier MP, Chair of the Committee: "Bad actors in British business are running rings!-->!-->!-->…
Holiday entitlement consultation: every temp worker in the UK has a right to not be ripped off
OPINION
By Julia Kermode, IWORK
The government’s Holiday Entitlement Consultation closes today. I feel addressing this matter is the “only way” to guarantee that temporary workers receive what’s rightfully theirs in holiday!-->!-->!-->!-->!-->…
How to earn more in less time as a freelancer
Feeling distracted? Feel like you could be earning more in less time? Not enough hours in the day? Check out these tips to help you earn more in less time as a freelancer.
As a freelancer or solo self-employed business owner, it's!-->!-->!-->…
Has the Chancellor forgotten his self-employed roots now that he is in politics and made his money?
OPINION
How can a once entrepreneur-turned-Chancellor sit comfortably with the "immorality of IR35's double-taxation"? This is just one of the concerns that the UK's self-employed, umbrella company workers and those advocating for their!-->!-->!-->…
Freelancers working in these industries claim the best work-life balance
Does the sector you work in determine your happiness and work-life balance as a freelancer? According to a new study, it just might. See if your specialist area is among those that rank the highest.
Three in four (76%) freelancers in!-->!-->!-->!-->…
New study: Corporate profits drive up inflation in Australia – not higher wages
If you are a freelancer in Australia or thinking of becoming a digital nomad there, this report could influence how you set your day or project rates.
A recent Australia Institute report has shown that profiteering is the source of the!-->!-->!-->…
IR35: is it an attack on the solo self-employed?
Ex-football pro and sports TV presenter Gary Lineker’s £4.9m IR35 bill highlights the complexity of what is being coined an archaic and double-taxation tax system on Great Britain's self-employed, according to insurer Qdos.
Be informed,!-->!-->!-->…
Freelancers turn to Facebook marketplace to earn extra income
Buying, selling and/or reselling on Facebook Marketplace can be a great way for freelancers to generate additional income in these financially tight times. Here is a step-by-step guide to getting started.
If your monthly bills feel like!-->!-->!-->…
Freelancer news you can use right away
The Freelance Informer shares tips and news stories it has spotted this week. The great thing is, you can start to use some of the information right away to improve your freelance business.
Be informed, be Freelancer Informed! |!-->!-->!-->…
IR35 reforms are “misaligned with Conservative values and impede growth”, say freelancer…
OPINION
Freelancer advocates and companies serving the growing UK solo self-employed workforce are holding on to hope that the Chancellor's Spring Budget on March 15th will reverse or at the very least address some of the damage created!-->!-->!-->…
Why Britain’s 1.6m temp workers should keep an eye on the latest holiday backpay appeal case
45 self-employed couriers have been given the green light to pursue their claim for unlimited backdated holiday pay from their engager, in an upcoming employment tribunal. What are the case's bigger implications for the agency and temp!-->…
Is there a future for freelancers on the moon?
The UK Space Agency has announced over £50 million for UK companies to develop communication and navigation services for missions to the Moon. There will be hundreds of moon missions over the next decade. If you haven't heard of the "lunar!-->…
Divorcing later in life: what are the risks?
SPECIAL REPORT
The rise of divorce later in life takes a toll on finances, but being single again is not as bad as you may think. Here are things to consider as a divorcing freelancer.
Be informed, be Freelancer Informed! | Freelance!-->!-->!-->!-->!-->…
UK’s Treasure hunting boom has a new set of rules
Treasure hunters and detectorists are rising in number as more stories of buried treasure reveal themselves in the mainstream press. Find out what now constitutes treasure in the UK, and what that means should you be the lucky one to find!-->…
What every freelancer’s website must have to get new business
Danny Matthews, the founder of Danny & Co, a Cirencester-based branding and design studio for small businesses, thinks he knows a thing about website performance. He is so confident in this area he says he can visit any website and!-->…
Eight steps to cut your tax bill if you’re a new additional rate taxpayer
This April you could be one of the additional rate taxpayers. In the past, you might have thought you'd be celebrating that development but not necessarily when you find out how much worse off you could be. Sarah Coles of Hargreaves!-->…
Qdos: contractor pursued for 3 years in avoidable IR35 investigation
HMRC ignored its own IR35 tool and pursued innocent contractor for over £100,000, said insurer
Be informed, be Freelancer Informed! | Freelance Informer
An insurer that represents the self-employed has criticised HMRC for not!-->!-->!-->!-->!-->…
Here are the best remote working locations for sunshine, cheap rent and coffee
A new study reveals the best remote working locations for freelancers when it comes to factors like sunshine, low-cost rent, cheap flights and the all-essential: coffee
Be informed, be Freelancer Informed! | Freelance Informer
!-->!-->!-->!-->!-->…
Never enough time to exercise?
Want to get fit, but never seem to have the time to exercise? Starting to feel desk-bound with back-to-back video calls? Here are some great ways to stay fit even at your desk.
Be informed, be Freelancer Informed! |!-->!-->!-->…
Hybrid working: how’s that going for you?
SPECIAL REPORT
Hybrid work isn't hitting the mark for parents and workers over 50 says new research
Millions of contractors and freelancers have been working remotely or in some hybrid fashion for years. But now that more people have!-->!-->!-->!-->!-->…
Contract-for-hire: millions of freelancers now open to full-time work
If contract-for-hire is in demand, what does that mean for the freelance economy? And what are the prods and cons?
Upwork the freelancer jobs platform is expanding into full-time hiring recruitment through contract-for-hire roles. A!-->!-->!-->…
Supply teachers: how to cope before you even set foot in the classroom
Being a supply teacher has its benefits, like flexible working. However, the role often has its share of problems. Resolving them is no walk in the park, either.
This article takes a look at the concerns of supply teachers at a time!-->!-->!-->…
Asia home to the most freelancer-friendly locations
Penang (Malaysia), Ho Chi Minh (Vietnam), Bangalore (India), Chiang Mai (Thailand), and Buenos Aires (Argentina) have been named the most freelance-friendly cities in the world.
New data analysis has revealed the top locations to!-->!-->!-->…
Off-payroll rules could be linked to £25bn hole in UK economy
New research from IPSE suggests the self-employed sector’s contribution to the UK economy fell by an estimated £25bn in 2022.
The findings are a “wake-up call” for government to change course on its agenda for the nation’s smallest!-->!-->!-->…
Apprentice levy loophole smacks of injustice for umbrella company workers and contractors
Who is calling the shots here, HMRC or the umbrella companies?
That's a question hundreds of thousands of temp workers and contractors have been asking about a government tax loophole that allows temp workers to pay Apprentice Levies,!-->!-->!-->…
Half of rich Brits keep inheritance plans a secret
A new study reveals more than half of wealthy Britons have not spoken to loved ones about inheritance plans. 1 in 5 six-figure earners surveyed said their wealth came from running their own business, which begs the question, are small!-->…
Taking 5-minute “micro” walks throughout the day gets better results than one 30-minute…
The "micro" activity method could be a game changer to your workday, health and mood
If your workday is largely spent sat a desk, then you could take a promising approach to improve your overall well-being with minimal effort. It's the!-->!-->!-->…
Ready to quit freelancing? Consider these options first
Running a freelance business is a juggling act that can become overwhelming financially, emotionally and even physically. So, what do you do when your chosen career style is getting you down?
You weigh up your options.
Be informed,!-->!-->!-->!-->!-->…
Freelancers moving in with their partners could carry more risk
When you are a freelancer you'll probably have to talk about money earlier in your relationship
Hate talking about money when you're all loved up? Well, if you love the person you are with and you have built a freelance business, the!-->!-->!-->…
AI photography falling foul as retro cameras make a comeback
AI-generated photography is trending, but younger generations are already getting bored with its perfection, say reports. They're even on the hunt for 1990s digital cameras. Is this a hopeful sign for freelance photographers who thought AI!-->…
Now is the time for freelancers to expand their skill set, says report
Upwork has published its most in-demand skills lists
Margaret Lilani, VP of talent solutions at Upwork, says the freelance jobs platform is experiencing a "once-in-a-lifetime, tectonic shift in the notion of work", where skilled!-->!-->!-->…
New directive could put an end to the self-employed contractor model in Europe. Is the UK next?
Many staffing companies, AOR/EORs and platforms may need to start planning changes to their commercial models soon
Be informed, be Freelancer Informed! | Freelance Informer
By Osborne Clarke Workforce Solutions
A European Union!-->!-->!-->!-->!-->!-->!-->…
How did a once-struggling graduate become a successful coach to CEOs and founders?
We speak to Sancti solo founder Georgia St John-Smith on how she went from scraping by as a fresh graduate to changing her narrative about money to live her dream life. Today she is a highly successful Qualified Mindset Coach &!-->…
Online worker surveillance: are you being watched?
More workers, including contractors, are likely to be watched via their online devices over the next three years, research has found. But monitoring software is backfiring on companies in more ways than one, especially if you download!-->…
How can freelancers attract new clients and passive income?
We share some tips on how you can win over new clients and when things go quiet, find new ways to generate passive income to help make ends meet.
Be informed, be Freelancer Informed! | Freelance Informer
As a freelancer, attracting!-->!-->!-->!-->!-->…
Why do the self-employed have to make payments on account?
‘Payments on account’ are advance payments made to HMRC towards your tax bill (including Class 4 National Insurance if you’re self-employed). They are essential but not always fair and often confusing, say tax experts.
You!-->!-->!-->!-->!-->…
70% of sole traders in the dark about tax bills
With the self-assessment income tax deadline upon us, research has shown that four in ten (39.2%) sole traders are yet to file and pay their tax bill, with the vast majority of this group (72.5%) admitting they do not know the amount that!-->…
Temp and agency workers: are you taking advantage of your “equal treatment” rights?
From the day you start working as a temp or agency worker, you have a handful of workers' employment rights. But did you know that once you work in the same job for 12 weeks (3 months) you have the same rights as someone employed directly?!-->…
What could you do with Fiverr’s new AI tools?
Freelance job site Fiverr has launched its own set of AI tools for freelancers to use to boost their productivity and passive income. One tool allows voiceover artists to generate auditions without having to read a single sentence from a!-->…
How to become an indispensable freelancer
If you have ever felt underestimated by a client, colleague or family member, you're not alone. But if you really hate that feeling, then it is reassuring to know that there are steps you can take to not only stop feeling underestimated!-->…
Naming and shaming tax avoidance schemes won’t stop loan charge suicides
Michelle Mone’s husband linked to three tax avoidance schemes
Loan Charge “tragedy” linked to tenth suicide
UK Business Secretary Grant Shapps' decision to not implement a single labour market enforcement agency (as!-->!-->!-->!-->!-->!-->!-->…
New job site says it’s like Tinder for flex working without the “smoke and…
Anna Whitehouse aka Mother Pukka co-launches flexible job matching site to amplify flex working
A new flexible working job site, WorkYourWay, has launched to match people with their dream flexible working roles across the!-->!-->!-->…
What can contractors learn from the Stuart Barnes IR35 case?
Sky Sports presenter and former rugby union pro, Stuart Barnes, has won a £695,000 IR35 case against HM Revenue & Customs.
Known as the "voice of rugby" for his television commentating and articles published across different!-->!-->!-->…
Frasier makes a comeback with a very British cast
Frasier fans keen to watch the reboot will have to sign up to Paramount to stream the show, which will have the snooty but loveable psychiatrist living in a new location, with more than one Brit joining the cast.
Be informed, be!-->!-->!-->…
More Brits to work remotely and abroad in 2023
Over 20% of people in the UK plan to work remotely from another country this year up from 11% last year, according to new research by Finder UK.
The top countries for remote workers in 2022 were the US (13%), France (12%), and Germany!-->!-->!-->…
AI in recruitment: should candidates start to worry?
True AI tools are getting better and better. But what role should they play in recruitment?
Artificial intelligence and automation are not new concepts to the recruitment industry. They've been around for a few years. But with all the!-->!-->!-->…
A new tech freelance job platform is on the scene
Q&A
A new on-demand tech freelancer job platform called Gigged.AI has launched. Katherine Steiner-Dicks asks its CEO Rich Wilson some detailed questions to see if the HR tech startup is just another freelancer platform or one that!-->!-->!-->…
Why is IR35 so scary for contractors?
IR35 outstrips tax increases and cost of living as contractors’ biggest concern for 2023
Despite inflation reaching a 41-year high recently and the raft of tax freezes and tax hikes to be introduced in the 2023/24 tax year, the IR35!-->!-->!-->…
Contractor holiday pay: does it have to be this complicated?
Government’s holiday pay consultation "step in the right direction" but confusion likely to remain, say umbrella company experts
A government consultation on how holiday pay entitlement should be calculated for temporary,!-->!-->!-->…
Government IR35 study reveals extra taxes likely being raised “unfairly”
OPINION
Following the publication of the government and HMRC joint report on the introduction of IR35 reform in the private and voluntary sectors, IR35 experts have highlighted what they see as a "red herring" which indicates that!-->!-->!-->…
Royal artist hit with 7-year ban from trading after Bounce Back Loan abuse
An artist with Royal, political and sports celebrity connections has been caught abusing a BounceBack Loan. The Insolvency Service says the case is a warning that there are consequences following disqualification which is a lengthy!-->…
“Incoherent policy” leaves freelancers out in the cold says Bectu
Bectu gives evidence in parliament on freelancer and self-employment issues
Head of Bectu Philippa Childs has attended parliament to give evidence to the Department for Business, Energy and Industrial Strategy Select!-->!-->!-->…
HMRC clamps down on tax repayment agents but are contractors protected?
Are tax repayment agents worth the risk and "convenience"?
After receiving thousands of complaints from taxpayers about unscrupulous tactics by tax repayment agents, HMRC is bringing in protections that will change the way tax repayment!-->!-->!-->…
Manifestation: how do you do it and make it work?
If you think the act of manifesting, or the science of making your dreams come true, is some new-age mumbo jumbo, you’re probably not alone. Many people probably think that. Some people may even feel emboldened enough to post on social!-->…
Recession To Spike Freelancer Numbers And Opportunities Says Recruiter
After the number of workers looking for freelance and contract roles more than trebled in 2022, a study reveals that the number of freelancers coming to market in 2023 could see even more growth as has been the case in previous recessions!-->…
The Freelance Jobs In Highest Demand For 2023
As the tech giants lay off staff, freelance job sites are seeing employers lean on freelancers for support with tech-related skills
At the end of 2022, like years before, many businesses and companies relied on freelancers to assist!-->!-->!-->…
Hunt’s March Budget could spark pension exodus to overseas markets to “protect nest…
UK pension holders will increasingly be seeking to move retirement funds overseas as fears grow about the Budget in March, predicts James Green of deVere Group, an independent financial advisory, asset management and fintech firm.
The!-->!-->!-->…
Will US freelancing surge make its way to the UK?
SPECIAL REPORT
In just a matter of years, the US labour market could reach a 50-50 split between salaried and freelance workers. Could we expect that trend to make its way over to the UK? Or do too many tax and work status policies!-->!-->!-->…
UK energy transition faces “green trade” skills shortage
SPECIAL REPORT
ENERGY TRANSITION & THE FREELANCE ECONOMY
There’s a “green trade” skills shortage in the renewable energy sector and it could be highly skilled freelancers that could come to the world's rescue.
Green jobs!-->!-->!-->!-->!-->!-->!-->!-->!-->…
Spain has the lowest inflation in the EU. Should freelancers consider moving there in 2023?
Spain has the lowest inflation rate in the EU, according to news reports. What are the Spanish under Prime Minister Pedro Sánchez doing differently—and better? First and foremost, gas price caps and the rent breaks are curbing prices. Next!-->…
8 ways you’ll pay more tax in 2023 – and 5 ways to avoid it (legitimately)
Sarah Coles, senior personal finance analyst, Hargreaves Lansdown highlights where our tax liabilities will go up in 2023, but also reminds us of the ways we can cut tax obligations legitimately
"If 2022 hasn’t cured you of your!-->!-->!-->!-->!-->…
How freelancers can come out stronger in 2023
We look at how economic predictions, industry trends and preventative health measures could help freelancers come out stronger in 2023 and beyond
Economic indicators you can prepare for
Preventative health measures you can take
!-->!-->!-->!-->!-->!-->!-->!-->…
Look back at the top freelancer news stories of 2022
The Freelance Informer looks back on 2022's top freelancer stories and how they could shape the freelance economy going into 2023
#1 IR35 Off-Payroll reforms would be repealed
IR35 and Off-payroll policy news monopolised the!-->!-->!-->!-->!-->!-->!-->…
Tech layoffs to spur freelancer and startup numbers
Freelancer and startup numbers are likely to rise in 2023, even against the odds
Following a spree of tech industry layoffs, tech talent is back in the jobs market. But those made redundant may be losing faith in the tech titans and be!-->!-->!-->…
Middle earners face £20K stealth tax, says new research
Squeezed middle earners are facing a staggering £20,000 stealth tax hike over the next decade, new research commissioned by the Liberal Democrats has revealed.
Income disappearing act
The House of Commons Library analysis shows that!-->!-->!-->!-->!-->…
HMRC: self-employed mandatory digital record keeping and quarterly reports delayed until 2026
The UK's self-employed have made a collective sigh of relief following the government's delay of mandatory digital record keeping and quarterly reports of their company's finances. The mandatory use of software is therefore being phased in!-->…
When to talk money when pitching to a new client
Business professors share their insights into why talking money before being the top candidate for a job could turn hiring companies off.
Let's face it, anyone looking for a job or any freelancer pitching their services to a new client!-->!-->!-->…
Off-payroll working: firms spending 74 times HMRC’s estimated cost
OPINION
HMRC has just released its own research into the impact of Off-payroll working. The report follows externally commissioned work that came out in the same week. Dave Chaplin, CEO and founder of tax compliance firm IR35 Shield!-->!-->!-->…
Are these the top 10 Christmas films of all time?
As part of our series of articles on films to watch over the holidays, Justin Trefgarne – an expert from MetFilm School – reveals his top 10 Christmas film picks.
For me, a Christmas movie is something more than a story that!-->!-->!-->!-->…
Want to avoid financial shocks in 2023?
Add these events to your calendar so you can better handle some financial shocks set for 2023, suggests Helen Morrissey, senior pensions and retirement analyst at Hargreaves Lansdown
Let's face it, 2022 was a "bruising year for our!-->!-->!-->…
Government shelves plans to regulate umbrella industry leaving workers exposed to skimming, tax…
The government has shelved plans to introduce the Single Enforcement Body (SEB) for employment rights, which included a strategy to regulate the umbrella industry. The SEB was to be introduced to protect workers’ rights and!-->…
New no-fee app to shake up freelancer jobs market
Could a soon-to-be-launched social freelance network replace fee-based freelancer platforms?
As the cost of living crisis rages on, a reported 47% of UK adults are looking for a side hustle to cope with the impact that a!-->!-->!-->…
These financial resolutions helped a self-made millionaire make his fortune
To help build effective financial habits for the New Year and beyond, here are 6 recession-proof financial resolutions for 2023 from a self-made millionaire
The tips are from expert Thomas Kralow, a professional trader,!-->!-->!-->…
Has HMRC admitted that contractors are now paying unnecessary taxes?
Recourse for contractors whose Off-payroll status has been incorrectly assessed appears not to be a priority for the government, according to contractor service specialists
A recent HMRC report revealed that a third of businesses!-->!-->!-->…
HMRC Off-payroll impact report a “statistical howler” says IR35 expert
OPINION
By Dave Chaplin, CEO and founder of tax compliance firm IR35 Shield
Findings of an HMRC research report on the impact of the Off-payroll working rules on the contractor labour market, private sector and voluntary sector!-->!-->!-->!-->!-->…
Top 10 British films to watch this Christmas
“For me, a Christmas movie is something more than a story that directly addresses the more obvious trappings of the holiday season," says writer, director and sometimes actor (and fellow freelancer) Justin Trefgarne who shares his top ten!-->…
Top 10 Romcom films to watch over the holidays
A top lecturer at the MetFilm School (London, Leeds and Berlin) shares her top tips for romcom films to watch this Christmas
Keeping warm will be a top priority this holiday season, and whilst we can’t help with the cost of!-->!-->!-->…
Making Tax Digital: taxpayers and HMRC not ready for digital quarterly reporting, say tax experts
Tax professionals say the Government should think again about its plans to make it compulsory for self-employed businesses and landlords to keep digital records and report their income quarterly from April 2024.
The results of a recent!-->!-->!-->…
How freelancers can avoid a festive debt hangover
Sarah Coles, senior personal finance analyst at Hargreaves Lansdown offers some tips on how you can halt unnecessary festive borrowing and avoid a debt handover
The rising price of everything has sent the cost of Christmas through the!-->!-->!-->…
Contractors: tax specialist says avoid offshore umbrella PAYE schemes
Not all umbrella company PAYE schemes are what they seem says contractor tax specialist
In a recent LinkedIn post, Graham Webber Director of Tax at WTT Consulting, which is a specialist in contractor tax, highlighted that contractor tax!-->!-->!-->…
12 Days of Freelancer Tips
This time of year is often hectic for freelancers. Here are some tips to make the most of the holidays and get your business in order for the new year
Come December, a freelancer's work schedule can become hectic. Clients are rushing to!-->!-->!-->…
What to do if you can’t pay your tax bill on time
With the cost of living soaring and invoices being paid late, freelancers could find themselves coming up short on not only their monthly bills but their upcoming tax bill. Here is a step-by-step guide on the best course of action to take!-->…
The most active freelancer markets in the world and how much they pay
SPECIAL REPORT
We look at the OECD countries with the most freelancers, their most common job functions and their average hourly rates. You might be surprised at the findings and how freelancer economies are becoming more competitive
!-->!-->!-->!-->!-->…
Why freelancers must set aside “worry time”
If more of us set aside time to worry, we are more likely to get some perspective on what's eating us and actually do something about it. Here are some things to consider when you set aside your "worry time"
Rome wasn't built in a day!-->!-->!-->…
Could new flexible working laws discourage self-employment in the UK?
Millions of Britons to be able to request flexible working on day one of employment. But is it all as rosy as the government wants us to believe?
This week it was announced by the UK government that workers will have a greater say over!-->!-->!-->…
This week’s freelancer news round-up
Stories impacting freelancers that caught our eye this week.
Photo by Andrea Piacquadio via Pexels
To spec or not to spec: the question facing many freelancers when interviewing for a new client or project. Here are some tips to!-->!-->!-->!-->!-->…
Can creating a lifestyle business beat being a unicorn?
Small business PR and news platform, Newspage, identified 52 businesses that aren't out to make millions, or have a "VC steal their soul" but are in it simply to generate enough money to give them a decent and independent lifestyle so they!-->…
The pros and cons of hiring freelancers in emerging markets
If more UK businesses embrace hiring freelancers in emerging markets to cut down on overheads and employee costs, where does that leave UK freelancers and the British economy? Is there a happy medium?
One in 7 businesses is likely to be!-->!-->!-->…
Chrome extensions: the risks freelancers need to be aware of
Freelancers and contractors could be using Chrome extensions that are collecting every keystroke they make. Are some freelancers more at risk than others and which extensions could be more prone to malicious wrongdoing?
Freelancers!-->!-->!-->!-->!-->…
How to turn your home into a money-making film location
All of us are looking for ways to bring in extra cash. For freelancers that usually means pitching for more work and trying to attract more clients. But there could be yet another way to bring in some earnings: renting your place out to a!-->…
How can freelancers cut down on rising energy costs?
The latest ONS report has revealed that the cost-of-living crisis is hitting people living in the most deprived areas of England the hardest. Many of the self-employed are finding rising costs, especially energy bills, a!-->…
This happens when you drink coffee before breakfast
A strong, black coffee after a bad night’s sleep could impair the control of your blood sugar levels, according to a new study. Read why and what to do instead.
Research from the Centre for Nutrition, Exercise & Metabolism at the!-->!-->!-->…
How can digital nomads and expat freelancers make the most of the holidays?
It is estimated that there are around 66.2 million expats worldwide, which is expected to continue to rise. As we approach the festive period, it can be a difficult time for expats to celebrate with some being able to return home and!-->…
Freelancer and contractor news round-up
Here are some of the news stories we have been monitoring over the past week
Liquid Friday: the latest developments and contractor reactions
Following Contractor Voice's report of umbrella company Orange Genie allegedly being!-->!-->!-->!-->!-->…
The best countries to be a Digital Nomad
Freelancers looking to work abroad for a change of pace or a better quality of life, may want to check out some of these digital nomad-friendly locations
A new study has revealed the best countries for remote working that offer a!-->!-->!-->…
Tories must stop sugarcoating their “small business” and startup “support”
OPINION
PM Rishi Sunak spoke to an audience at the CBI this week expressing that the Conservative government wants to "support small businesses to innovate." But few in the audience were convinced those words would amount to anything!-->!-->!-->…
Freelancers: are you paying yourself the right way?
Entrepreneurs and freelancers are being told to pay closer attention to how they pay themselves following the changes announced in the Autumn Statement, according to business finance expert, Lee Murphy. This call to action follows the!-->…
Salary skimming: whose money is actually being deducted?
This article has been updated.
OPINION
While not all Freelance Informer readers are contractors or umbrella company workers, many are, so they will be interested to know that "salary skimming" has no definition in the FCSA's codes of!-->!-->!-->!-->!-->…
2 in 5 SMEs worried about insolvency: can freelancers help them survive the storm?
Small and Medium-sized enterprises (SMEs) are a vital part of the UK economy. However, over recent months, there has been an increase in concern among business owners that they may enter insolvency because they can't weather the looming!-->…
How to get free stuff practically every day
When money is tight, it pays to know where to get free stuff. Here's a list of sites and places to get your free stuff from coffee to boxers to WiFi to toys!
MyWaitrose loyalty card members will be glad to know that the!-->!-->!-->!-->!-->!-->!-->!-->!-->…
Autumn statement: limited company freelancers squeezed like never before
Freelancers and contractors will see their earnings squeezed not only by higher taxes but tax grabs on dividends following the Autumn Statement announcements.
Jeremy Hunt has delivered a budget that has included tens of billions of!-->!-->!-->…
Liquid Friday CEO responds to ‘skimming’ accusations
On the back of fresh allegations that another of the UK’s leading umbrella companies has been ‘skimming’ millions from contractors’ payslips – reportedly amounting to a 1.5% deduction from contractors’ pay – umbrella payroll!-->…
Autumn Statement: self-employed could be hit with more taxes
Everyone is preparing to pay more taxes following the Autumn Statement proposals, but some believe the self-employed could be unfairly over-taxed. Read what economists, tax specialists and MPs are expecting the Autumn Statement to reveal!-->…
Here’s what you can’t bring to the World Cup
If you are travelling to Qatar later this month to watch the 2022 World Cup it is wise to check foreign travel advice and keep up to date with entry requirements to avoid complications or arrest.
Many football fans may not realise!-->!-->!-->…
Are your clients ready for a global recession?
Richard Jeffery, Chief Executive Officer at ActiveOps explores the need for businesses across the UK, US and Australia to take action in the face of an impending recession.
The world has never been more globalised than it is today.!-->!-->!-->…
“Borderline unlawful?”: FCSA members report of agencies attempting assignment rate cuts…
Contractor and freelancer experts respond to FCSA receiving reports that some employment agencies are looking to reduce assignment rates on grounds that there has been a national insurance rate cut.
The Freelancer & Contractor!-->!-->!-->…
Autumn Statement: expert predictions and wishlists
Workforce specialists offer their predictions and wish lists for the upcoming Autumn Statement and how freelancers, contractors, temps and side hustlers might want to prepare for any bad news.
Dividend tax hike would be “short-sighted!-->!-->!-->…
“Exploited?” Why Britain’s temp workers are losing out on £97m each year
OPINION
Many of UK’s 1.6m temps are estimated to be missing out on thousands every year individually. What can they do about it? Julia Kermode of IWORK offers some tips.
Amid a 40-year inflation high, soaring energy bills and!-->!-->!-->!-->!-->!-->!-->…
Top 5 recession-proof professions that you may want to consider
While the British may not like to admit it, what happens in the US jobs market and Central Bank policy has a tendency to influence decision-making over in Old Blighty. That's why it doesn't hurt for freelancers and career shifters to keep!-->…
How to apply for Universal Credit if you are self-employed
One of the advantages of being self-employed is that you can pitch for extra work when money is tight. But what happens when you can't work because of ill health, a spree of clients cutting back on work or personal circumstances?
One of!-->!-->!-->…
Mortgage lenders to lower fixed-rate mortgages
By Amplo Mortgages and Financial Solutions
The last 12 months have seen significant changes in the mortgage market. Anyone considering applying for a mortgage will have found this time especially daunting, especially if navigating!-->!-->!-->…
New App is answer to freelancers’ missing “Water Cooler” moments
A new mobile app called Groove is connecting freelancers for on-demand social focus sessions
Starting a Groove
Up to four workers around the world can participate in 50-minute on-demand focus sessions with short video calls at the!-->!-->!-->!-->!-->…
The Tory Party must prioritise a crackdown on misspending before tax grabs and social cutbacks
OPINION
Will PM Rishi Sunak and Chancellor Jeremy Hunt use the Autumn Statement to prove that they can relate to citizens by doing them justice by cracking down on Tory party misspending? Or will they go for uncreative tax grabs aimed!-->!-->!-->…
Julie Powell, author behind Julie & Julia, dies at 49
The Julie & Julia food blogger turned author and movie sensation, Julie Powell, has died at her home in New York at the age of 49. Powell, who died of a cardiac arrest, is survived by her husband, brother and parents, according to news!-->…
How to stop your pension benefits going to the wrong person
Six in ten risk pension benefits going to the wrong person, finds HL report
Only 38% of people said they had kept expression of wish forms for all their pensions up to date.Over a quarter (26%) said they hadn’t, 13% were unsure.A!-->!-->!-->…
“You’ve been skimmed” – the last thing an umbrella contractor wants to hear
The Freelance Informer asks Contractor Voice's Jacob Bellas about the latest report of alleged umbrella company payslip skimming. What has his audit and investigation revealed?
Contractor Voice, an advocacy news and campaign site for!-->!-->!-->…
Self-employed sports and fitness coaches: are you prepared to lose more than half your clients?
Cost of living rises force 90 per cent of people to stop taking part in sports and fitness classes
The cost of living crisis is forcing 90 per cent of those aged under 34 to stop taking part in hobbies including fitness classes!-->!-->!-->…
Can freelancers out of work or on holiday pause their business insurance?
Small business owners and freelancers waste £216m on business insurance when out of work or on holiday, says a new study. Can they pause payments on their insurance?
The average freelancer and small business owner has over two months!-->!-->!-->…
Titles do matter: the message behind Prince Harry’s memoir and that rumoured multi-million…
There is no questioning that Prince Harry will have to make a living outside of the Royal family, so releasing an autobiography with an intriguing title will only spark interest and book sales, which is the objective of any author and!-->…
Digital nomads: IR35 can still follow you abroad, plus other pointers
Want to become a digital nomad? Respect the locals.
More freelancers are looking to work abroad for a better way of life, as either digital nomads or eventually long-term residents. Spain, for example, is finalising its digital nomad!-->!-->!-->…
Want to go freelance but can’t quit your job yet?
If you are dreaming of going freelance or even just changing direction with skills you already have, then Career and Interviewing Coach Judy Bullimore and Startup Business Consultant and Mentor John Spencer Williams have some great tips to!-->…
Will Sunak’s policies make his Stanford Alumni proud?
If Prime Minister Rishi Sunak wants to make good on his “Startup Treasury Mentality” he’ll need to advise his Chancellor to help pass policies that embrace freelancers rather than exclude them. Will Mr Sunak revive the Conservative's!-->…
The self-employed are the most dedicated investors in the UK. So how can they get more bang for…
It comes as a nice surprise to hear that the self-employed are the most likely to invest, especially those that work part-time or on a contract basis. It is also refreshing to learn that SIPP investors, who are largely freelancers,!-->…
Two-thirds of contract workers look to go perm
Two-thirds (65%) of the UK’s temporary and contract workers are currently thinking about moving to a permanent role. Many are changing recruitment agencies, too, finds a new survey
Survey shows building loyalty with talent requires more!-->!-->!-->…
Majority of Gen Z is willing to work nights and weekends for higher pay. What about the Baby…
Gen Z vs Baby Boomers: the most common similarities and differences
Politics, travel, work and climate change are the areas that both Gen Z and Boomers have the most in commonA common misconception for Gen Z is that they are lazy, while!-->!-->!-->…
Freelancers now represent 46.5% of the global workforce – isn’t it about time they were…
One in three freelancers feel they are unrecognised as significant contributors to the economy
Freelance job site Fiverr and Freelancers Union have launched the Freelancer Wellness Fund in recognition of the contributions freelancers!-->!-->!-->…
How to boost your freelance business when inflation is on the rise
For many freelancers, inflation has forced them to adapt their business strategy to safeguard themselves against higher costs.
Food and non-alcoholic beverage prices rose by 14.6% in the 12 months to September 2022, up from 13.1% in!-->!-->!-->…
“Policymakers have been ignoring freelancers for far too long”: third of Europe’s…
Third Of Freelancers Struggling To Pay Their Bills Amidst Cost-Of-Living Crisis, Study Finds
It would seem UK freelancers are not the only ones in Europe not being heard by workforce policymakers. With proposed workforce regulations!-->!-->!-->…
Freelancers: get prepared for more fiscal U-turns, IR35 reform uncertainty
THIS ARTICLE HAS BEEN UPDATED
FOR LATEST VIEWS ON IR35 REFORM APPEAL ABANDONMENT SEE DEDICATED SECTION BELOW
The new Chancellor, Jeremy Hunt, has revoked the repeal of the Off-payroll rules that were introduced in 2017 and 2021 to!-->!-->!-->!-->!-->…
Mortgage nightmare: how millennial freelancers can avoid one
On average, mortgages cost £663 a month, with 16% of people paying over £1,000*.A Millennial buying the average house at the age of 30 today, with a 10% deposit, and a 6.07% mortgage would have a monthly payment of £1,706. Only 4% of!-->!-->…
Fail to register your business while trading? It could lead to prison sentences and an unlimited…
HMRC is cracking down on individuals who are trading without complying with anti-money laundering requirements. Estate agents are among the top offenders, according to a new report. With more umbrella company contractors looking to go!-->…
44% of sales professionals experience burnout. Could freelance sales agents come to the rescue?
A new survey finds that almost half of permanent Salesforce professionals have experienced burnout in their current role in the past year. How could freelance sales agents come in to give a helping hand to avoid a mass exodus of!-->…
HMRC research into tax avoidance schemes branded “a waste of time”
OPINION
By Fred Dures, PayePass
HMRC’s commissioned research into disguised remuneration schemes has been described as a “waste of time” with the assessment of the impact of tax avoidance schemes failing to!-->!-->!-->!-->!-->…
Freelancers: when’s the last time you snooped on your competition?
With talk of more highly skilled contractors breaking free of umbrella companies in the next year, they may want to see what the competition is getting up to. Here are some tips to get noticed
Skills in demand today are very!-->!-->!-->!-->!-->…
IR35 reforms likely to be reinstated say legal experts
Some legal experts are not convinced that IR35 reforms set to be repealed in April 2023 will be set in stone or even come to fruition.
And if they do? According to these same experts, there will be new risks and HMRC enforcement powers!-->!-->!-->…
A UK property crash is “unlikely” says expert
The Zoopla House Price Index shows rising mortgage rates will impact household buying power by 28% if rates reach 5% by the end of the year (assuming buyers try to keep the same monthly payments).The UK is shifting to a buyers’ market, as!-->…
Do freelancers see cannabis in their future?
APPG plan suggests UK has big future in hemp and cannabis, Biden overhauls cannabis policies
The UK cannabis industry could create 594,000+ jobs, £5.5 billion in annual tax revenue, and environmental and agricultural benefits aimed at!-->!-->!-->…
Losing sleep? There could be more than one reason and solution. Here are a few tips to consider
If you are losing sleep each night there's likely to be more than one reason for it. That's why you might be struggling to not just fall asleep but get back to sleep. Every freelancer is unique, and it would seem our sleep patterns are!-->…
Freezing taxes and benefits: why it puts more money in the Treasury’s coffers
OPINION
If you have come across an article or news clip on the radio or television today about why tax freezes outlined in last month's mini-budget will cost taxpayers more in take-home pay and benefits over the long term, you won't be!-->!-->!-->…
“Elitist fortresses” – freelancers working on a West End show can’t afford…
Freelancers in the theatrical arts and entertainment are considered the lifeblood of the industry, especially when it comes to London's West End shows. The sad thing is, they can't even afford to go to a show if they wanted. This is one of!-->…
Prepare for another 12 months of inflation say professional investors and watch out for the perils…
SPECIAL REPORT
Is your SIPP and mortgage in the best possible health to hedge against inflation and rising rates?
Professional investors that invest on behalf of institutional and pension funds have predicted that the UK, parts of!-->!-->!-->!-->!-->…
Self-employed tradespeople have something to celebrate
Earnings of self-employed tradespeople bucked the annual trend of an August slow-down. Hudon Contract, a payroll business catering to sub-contractors in the trade, puts this nice boost down to more infrastructure projects coming online and!-->…
Tesla Optimus Robot: what would you programme your Humanoid to do?
Elon Musk revealed two Optimus prototypes at Tesla AI Day 2022, promising to make the robots as quickly as possible, eventually selling millions, which could allow humanoids to become available to the masses.
🤖If you could someday!-->!-->!-->…
How can we put an end to unscrupulous umbrella companies?
The Freelance Informer asks Fred Dures of PayePass how funding raised by taxpayers to prevent the proliferation of tax avoidance schemes can be justified at a time when so many families are struggling to make ends meet
Dures offers his!-->!-->!-->…
Umbrella contractors will be motivated to go back to PSC models. But how and when they do it will…
Osborne Clarke's Workforce Solutions Team sheds some light on the repeal of IR35/Off-Payroll reforms and addresses the most pressing questions contractors have right now. Plus a tip from WTT Consulting on how long you may have to wait!-->…
New Canva product suite could boost freelancer earning power
Canva, the no-code design platform, has launched a new suite of visual communication products that are aimed to empower anyone to design and communicate their ideas. Whether you're a small business owner, a nonprofit, a teacher, an!-->…
Avoid these mistakes before you start freelancing– you could lose your gig or get sued if you don’t
Going freelance full or even in your free time is a great way to build an additional income. Before you do though make sure you are not in breach of an existing working contract. You could pay dearly with your livelihood and reputation if!-->…
“Things are about to get spicy”: is now the right time to secure a self-employed…
With the odds of the MPC hiking rates again in an emergency meeting this week shortening after Sterling's all-time low against the Dollar, mortgage brokers offer their market observations.
Do mortgage brokers think lenders will!-->!-->!-->!-->!-->…
IR35 repeal to boost freelancer and digital nomad job opportunities
Following the news that IR35 will be repealed as of April 2023, freelancers can go back to determining their freelance status rather than be beholden to blanket inside IR35 status determinations and freelance job platform businesses are!-->…
IR35 Off-Payroll reforms repealed: initial reactions
OPINION
The news of the repeal of the IR35 OffPayroll reforms couldn't have come at a better time for freelancers across the UK. And what a surprise the news was! No waiting months for some radical reform to happen. In one swift!-->!-->!-->…
Revolut cyberattack overshadows new product for freelancers
Neo bank Revolut has launched a new service called Revolut Pro to help freelancers, sole traders, contractors, and self-employed individuals manage their business income and expense management. Unfortunately, the announcement!-->…
Price guarantee: think your energy bills can’t exceed £2500? You’re wrong
Almost two in five households (38%) wrongly believe that the Government’s energy price guarantee means their bills cannot go above £2,500, according to new research from Uswitch.com, the comparison and switching service. So to combat!-->…
Mini-budget: how much better off could freelancers be?
This report was updated:
National insurance hike is scrapped (read more in the report)
Corporation tax rise cancelled, keeping it at 19% as government sets sights on 2.5% trend rate of growth.Basic rate of income tax cut to 19% in!-->!-->!-->!-->!-->…
20 years pay growth wiped out – what is really going on with the UK jobs market and how will it…
Average pay was up by 4.3 per cent in the private sector between October-December 2021 including bonuses – that’s a good sign, but pay rises aren’t matching 2022 inflation. Freelancers are feeling squeezed Freelancers must know their!-->…
Self-employed or a zero-hours worker with kids? Get your “free” childcare sorted before…
The extra bank holiday observing the funeral of Queen Elizabeth II could adversely affect self-employed parents and workers on zero-hours contracts, HR Magazine has reported. That's why it is important for these groups to organise "free"!-->…
Worker’s death was avoidable says HSE
The following case is a tragic lesson to all small business owners and those that work for them to carry out risk assessments. No one ever thinks the unthinkable will happen until it does.
Two companies and two people have been!-->!-->!-->…
Want to freelance for a startup? Know which sectors are hot and which are not before you do
Startups are exciting places to excel in experience and skill sets. But when the global economy tightens its belt, startups can be among the first to make redundancies. They can also unexpectedly experience growth. We look at which sectors!-->…
How to get your freelance portfolio in front of more prospective clients and agencies
For those freelancers that rely solely on a recruitment agency and an umbrella company to bag new projects or fixed contract jobs, you might want to up your game and make your portfolio more accessible to agencies and prospective clients.!-->…
Commemorating the Queen
The Freelance Informer sends its most heartfelt sympathies to the Royal Family, their staff and long-life friends on news of the death of Her Majesty The Queen.
It is a time of great sadness and reflection shared by many nations and!-->!-->!-->…
How to avoid getting “flexi-fished” in a new job
Care is needed when advertising flexible working patterns in job roles
Many of us have heard of catfishing whereby someone deceptively creates a false identity to lure people on a social networking service, usually targeting a specific!-->!-->!-->…
What would you do with one “free day” each week?
A UK 4-day week study is showing lasting positive effects on worker productivity and wellbeing. How are people spending their "free day" and what impact has it had on their life so far? Plus tips on how freelancers can arrange their!-->…
How to budget for higher mortgage rates when you’re a freelancer
How will interest rate rises impact my monthly mortgage payments? This is what all home-owning or soon-to-be homeowners should be asking themselves, especially if they have fluctuating incomes.
Higher interest rates will start to feed!-->!-->!-->…
Self-employed and buying a newbuild? Here’s how to avoid “dodgy” developer tactics
Buying a property is probably one if not the, largest financial commitment you will make. So, what should you do if you are in the market to buy a swish newbuild property and developers are breathing down your neck to exchange contracts?!-->…
Crucial money tips for freelancers with kids
SPECIAL REPORT
HL Savings & Resilience Barometer July 2022 showed just how much parents are struggling to make ends meet. Where can they get a break?
The Cost of Living Crisis is going to take a toll on parents/ Photo by Keira!-->!-->!-->!-->!-->…
What recruiters want Truss to do next
Liz Truss has won the Conservative leadership race and the top job as Prime Minister, so what do recruiters want from the new PM and is it in the interests of British freelancers?
The Association of Professional Staffing Companies!-->!-->!-->…
In Truss we Trust? What the self-employed need from the new PM and her Cabinet
For those freelancers out there that were worried about Rishi Sunak being offered a role in new Prime Minister Liz Truss’s cabinet and leaving the self-employed out in the cold this winter, it has emerged that he will not be on hand to!-->…
Government response to PAC’s IR35 report is “legally incorrect” “predictable” and loaded with “ivory…
The Government has responded to the Public Account Committee’s report on the lessons learned from implementing IR35 that was published in May 2022, but IR35 compliance experts aren’t convinced contractor concerns are being fairly addressed!-->…
Freelancers aren’t who you think finds new report
Original reporting by Toby McInnis
For the majority of us, the word “freelancer” evokes an image of a young person tapping away on their laptop in an overpriced coffee shop. But recently published data suggests this is far from reality,!-->!-->!-->…
Will a bonus or Cost of Living pay-out put freelancers in hot water with HMRC?
Some contractor recruitment agencies, such as Andrew Construction Recruitment (ACR), believe self-employed contractors deserve a Cost of Living pay-out to make ends meet. Such agencies are following the leads of those influencing their!-->…
Should I make my spouse a director of my limited company?
TAX CLINIC
By Graham Webber Director of Tax at WTT Consultancy
There are no reasons why any individual, including a spouse, cannot be a director of a company provided that they are not barred from holding such a post. But!-->!-->!-->!-->!-->…
Cost of living crisis: what are your rights if your landlord wants to increase your rent?
By Tom Simcock, University of Huddersfield via The Conversation
A lack of affordable housing and growing demand for rental properties has sent the rental market into a state of crisis, and young people are particularly affected. New!-->!-->!-->…
How to pitch to SMEs and solve their challenges
A poll of 500 SME decision-makers, carried out by OnePoll on behalf of NatWest’s Mentor service, highlights the most pressing HR issues affecting SMEs today. Here's how freelancers can pitch their services to solve those problems.
From!-->!-->!-->…
New book helps you not make stupid mistakes
This new book could help you avoid silly mistakes when you talk and write
You've penned a pitch to a prospective client. You've hit the send button. It's a week later and you are starting to think you've been ghosted. What if your!-->!-->!-->…
Freelancers have this awesome trait, says McKinsey
Isn't it about time governments on both sides of the Atlantic started recognising and celebrating freelancers, who according to a McKinsey study, have a distinctive characteristic that the average worker doesn't?
The rising cost of!-->!-->!-->!-->!-->…
The rise of the silver freelancer
For those who have been freelancing or self-employed for a decade (or two), working any other way, even in retirement years, is almost unthinkable. Katherine Steiner-Dicks looks at how our longevity as a nation should be motivating!-->…
Embracing the self-employed could be one of the best moves for the economy
While British politicians have announced plans to help people manage the cost-of-living crisis, the Tory leadership contenders and the Labour Party have ignored one of the most innovative parts of the UK economy: the self-employed. If they!-->…
IR35: Truss must “fix it or ditch it” to boost economy, says compliance expert
Conservative leader and Prime Minister candidate Liz Truss has pledged, if voted into power, to review IR35, the tax legislation that many serving and working in the freelance economy see as an “iron shackle” on their employment and!-->…
Procrastinating is linked to health and career problems – but there are things you can do to stop
By Fuschia Sirois, Durham University
Fuschia Sirois
Do you ever beat yourself up for procrastinating? You might be composing that message to a friend who you have to let down, or writing a big report for school or work, and doing!-->!-->!-->!-->!-->…
How to get paid in crypto and not get scammed
Vyacheslav Demchuk, Ukraine entrepreneur and CEO of anti-money laundering service AMLBot and the first crypto wallet with AML (anti-money laundering) module AMLSafe, reflects on the steady growth of the freelance workforce and how crypto!-->…
Mass layoffs at US tech startups. What does this mean for freelancers on both sides of the Atlantic?
The tech startup space in the United States has been on a downward trend, according to new data coming in from across the pond.
The number of layoffs by tech startups increased eightfold in Q2 2022. Some 170 startups and tech-oriented!-->!-->!-->…
What is the “new” creator economy and how can freelancers and contractors get in on the…
First things first, what is the creator economy? Once you understand what the new creator economy is all about and what drives it you can best cater your interests and skill set to any given segment and start pitching for freelance work.!-->…
Freelancers and self-employed to be at heart of £350m High Street Buyout Fund
Anyone can start a community business. That's according to Susie Finlayson, interim head of programme delivery, at Power to Change, the trust that supports community businesses in England.
If Power to Change gets its way, it will!-->!-->!-->…
Is this new hospitality brand the answer to digital nomad loneliness?
Fiverr, the international freelance jobs platform, has formed a partnership with Selina, to build an experiential hospitality brand to address one of the most pressing needs of millennial and Gen Z freelancers and travellers:!-->…
“Something doesn’t smell right”: who’s going to foot the bill for these tax…
What could happen to the UK's freelancer economy if recruitment agencies and end clients start getting fined by HMRC if their freelancers/contractors are linked to a tax avoidance scheme?
Will freelance job boards, recruitment agencies!-->!-->!-->…
How to get your agency to negotiate higher rates on your behalf
Q: I've seen a freelance/contractor role that I really want to go for but know that I must raise my rate to be in line with inflation. What guidance or tips do you have as a recruiter on how to pitch a higher rate for a role? What have!-->…
Private equity firms on a tech recruitment drive
Hiring contractors and freelancers can be an excellent way for private equity firms and their portfolio companies to fast-track the most pressing jobs while HR is recruiting for permanent hires
31% of private equity firms confirmed they!-->!-->!-->…
HMRC scrutiny over freelancers on the rise
TAX CLINIC/READER QUESTION
What would trigger an HMRC investigation? Is it different for a limited company freelancer versus an umbrella company worker? And if your umbrella company or payroll service has been named by HMRC as a tax!-->!-->!-->…
HR mistakes to blame for IR35 investigations
HMRC is actively investigating IR35 compliance across many sectors, but the oil and gas sector is particularly under the scope. A report reveals that many investigations gone wrong might be avoided if in-house HR training and processes!-->…
Loan charge investigation: Zahawi must “act directly,” says APPG letter; suicide notes…
SPECIAL REPORT
A ninth suicide has been confirmed in relation to disguised remuneration (DR) schemes, some of which are now subject to the retrospective Loan Charge. A letter from the Financial Secretary to the Treasury has confirmed!-->!-->!-->…
How can you get cheaper or social tariff broadband?
BT's decision to impose an above-inflation broadband price rise next spring will add more than £50 to the average household bill, according to Ernest Doku, telecoms expert at Uswitch.com. Broadband is a lifeline for most freelancers, so it!-->…
Which business savings accounts offer the best rates?
If you leave money in a business current account then it’s your bank who benefits and not you, so it might be time you made some of your money work for you by generating some additional interest income, suggests comparison site, Money!-->…
How do I hire a replacement freelancer when I want to go on holiday?
THE FREELANCER'S COUCH
Seb Maley, Qdos CEO, offers some guidance to this reader's question, which tackles the very topical subject of how freelancers can arrange for their replacement when they take a much-deserved holiday
Seb!-->!-->!-->!-->!-->…
Predicted January energy price cap rises again
Freelancers have to brace themselves for higher-than-expected energy bills this winter. The latest predicted energy price cap is nearing closer to £4000, much higher than previously predicted. Policy experts share their views on what they!-->…
How to win awards and boost your earning power
Winners, nominees and hundreds more freelancers from the YunoJuno community gathered for the UK’s largest freelancer event, back in-person after a two-year hiatus.
Katherine Steiner-Dicks speaks with Shib Mathew, YunoJuno Founder and!-->!-->!-->…
Epic road trip to the World Cup costs this much
What football fan doesn’t dream of watching the World Cup live? However, with this year’s tournament taking place in Qatar, for many fans, it seems an unachievable dream. But those with an adventurous streak are considering making the!-->…
“Astonishing”: Conservatives refuse inside IR35 contractors employment rights yet want them to pay…
OPINION
The government responds to an employment status consultation held four years ago, confirming that contractors operating inside IR35 will not receive employment rights despite paying employment tax
It means the government!-->!-->!-->!-->!-->…
How to set up your parent pod this summer
Parent podding, once a saving grace for freelancers and working parents during COVID lockdowns, is making a comeback during the summer holidays. The NHS has even launched a Disney-inspired campaign of games and activities to get kids!-->…
Freelancers must plan now to avoid “unretirement”
Changes to the State Pension age and the cost of living crisis have seen poverty rates among 65-year-olds more than double, according to The Institute of Fiscal Studies and a subsequent report by Restless, a digital community and advocate!-->…
UK’s higher-earning contractors to benefit most if government offers free or discounted…
If the UK government follows the lead of other European nations by offering free or discounted public transport and energy costs in response to inflation, it seems higher earners could be the ones to benefit most
By Philipp Stadle!-->!-->!-->…
Instagram launches new features
Freelancers that use Instagram as a part of their business will be interested to know that the social media tool is making it more fun and easy to collaborate with clients and audiences with new Template and Reel features
Freelancers!-->!-->!-->…
Legal claims could be on the cards following Harpur Trust v Brazel decision
Osborne Clarke’s Workforce Solutions team explains the wider impacts on the UK workforce and those that serve it following the Supreme Court decision in Harpur Trust v Brazel
'Part-year workers' will be entitled to 5.6 weeks paid!-->!-->!-->…
Recession, new CGT tax relief to impact divorce rates in unexpected ways says research
A cost-of-living crisis, paired with an economic recession and late-paying clients could be the perfect storm to put enough strain on a freelancer's marriage to break it up. However, various studies have suggested!-->…
Conservatives set to lose 2 million voters despite recovery loan scheme extension
The Government has extended a support scheme offering government-backed loans to small businesses for a further two years. Yet, the Tories are expected to still lose up to 2 million small business owner voters at the next general election!-->…
Top ten worst late payers in the UK
New IPSE research finds that late payments have worsened despite recent government reforms, alluding that not enough is being done to crack down on companies that do not pay freelancers on time.
Now more than ever freelancers must do!-->!-->!-->…
Steps freelancers can take to get paid on time
By Gary Prince, Chief Strategy Officer at SimplyPayMe
Gary Prince pf SimplyPayMe
Earlier in the year, a report by the Federation of Small Businesses found that 440,000 small firms in the UK suffered from the late payment ‘crisis’ and!-->!-->!-->!-->!-->…
Is it worth using a recruitment agency if you want to stay self-employed and outside IR35?
THE FREELANCER'S COUCH
Q: I am a freelancer that gets work from word of mouth and recommendations, so I haven't used an agency before. I sometimes see exciting roles through agency adverts on LinkedIn and other job sites. Still, I!-->!-->!-->…
Tap launches crypto trading platform and debit card for freelancers
FREELANCER TURNED FOUNDER STORY
A fintech platform called Tap Global has launched a new product for freelancers to make passive income with crypto trading with the added convenience of a crypto banking card for everyday purchases and!-->!-->!-->…
How to use cashback apps to pay your utility bills
If things are financially tight now, wait until we have to turn the heating on this winter when power and heating bills will be at their highest. That is why signing up for cashback apps now rather than later could help you build up a bit!-->…
A debt trap awaits for higher-earning freelancers
Higher-earning freelancers may not be as financially secure as first thought
Higher earners are more likely to have borrowed more (and a higher percentage of their income) than those on lower incomes.They are more than twice as likely!-->!-->!-->…
Delegation: how to delegate like a pro to earn more money and achieve work-life balance
A Caunce O’Hara survey of 200 reveals exactly how freelancers are managing their time and how they could better develop the essential business building and life balancing tool of delegation.
The most successful freelancers and small!-->!-->!-->…
New gender pay gap study shows how many more days a woman must work to earn as much as a man
A new study reveals just how much men are earning more than women and why the gender pay gap still exists in 2022.
In 2020, women earned 84% of what men earned, according to a Pew Research Center analysis of median hourly earnings of!-->!-->!-->…
BT and others under investigation for suspected freelancer rate collusion
The CMA is investigating suspected breaches of competition law in relation to the purchase of freelance services in the production and broadcasting of sports content in the UK.
If you have been freelancing in a particular sector or!-->!-->!-->…
Solo self-employed numbers nosedive says report
Government report reveals there were large falls in the number of solo self-employed in the most highly skilled occupations over the past two years. But sadly, the government report did not remark on the findings being worrying.
!-->!-->!-->…
IPSE Pens Wish List To New Chancellor Zahawi, but will Sunak or other candidates ruin any chances…
Following the appointment of Nadhim Zahawi as Chancellor, IPSE is hoping a fresh face at the Treasury could mean the opportunity to request a more pro-freelancer and pro-business approach to build back the economy during the Cost of Living!-->…
Flight risk: here’s how much you could save by driving to your summer holiday abroad instead…
Disastrous airline cancellations and disruption at airports across the country are putting hundreds of thousands of holidays at risk this summer. Is driving to your destination a safer and cheaper bet?
UK airports have faced utter!-->!-->!-->…
Cross border embryo adoption: an option British fertility patients didn’t even know they had?
The Institut Marquès reports on how "surplus" embryos from different European clinics can be donated to other families. More than 2,000 babies have already been born through this initiative. The greater awareness of cross-border embryo!-->…
Know Your Worth as a Creative Freelancer
The Freelance Informer (FI) hands over this week’s Freelancer Tales section to Alex Cooper, YunoJuno Creative Freelancer of the Year 2021. Alex reveals his personal journey into the freelance economy and provides tips he has learned along!-->…
Chaplin on PM resignation: UK economy’s greatest asset is its highly skilled freelance…
OPINION
By Dave Chaplin, CEO, IR35 Shield
Commenting on the Prime Minister’s resignation, Dave Chaplin, CEO of tax compliance firm IR35 Shield offers his thoughts on how the freelance economy in Britain has been impacted since the!-->!-->!-->!-->!-->…
On the brink of abuse: contractors could lose as much as £900 if FCA and DWP do not clamp down on…
Pension transfer delays are costing Brits considrable amounts of money just when they need it most. While some delays are normal, some are questionable and on the brink of abuse. That is why Pension Bee has reported pension providers to!-->…
46% of contractors have raised their rates in 2022, yet expect poor cash flow to be a major concern
A survey commissioned by Cool Company found that nearly half of contractors have increased their rates in 2022, while 17% have reduced their day rate. Cash flow concerns have remained a top driver for more than a quarter of respondents to!-->…
Freelance sports presenter Alan Parry hit with IR35 £356,420 tax bill at age 74
Sky Sports presenter, Alan Parry (74), has lost his IR35 case appeal at the First Tier Tribunal – a development which leaves him with a £356,000 tax bill.
Sky Sports presenter, Alan Parry, age 74, has had his appeal against a!-->!-->!-->…
British freelancers abroad still haunted by IR35
READER LETTER
In recent years highly skilled contractors have made the move abroad for a better way of life, Brexit or simply for personal reasons. Following the move, many believe it means the ability to attain freelance projects!-->!-->!-->…
Self-employed could be “back into the abyss”
British entrepreneurialism is under attack by what appears to be counterproductive government-led tax grab and hiring policies, writes Katherine Steiner-Dicks
IR35, Off-Payroll rules, Loan Charges, pocketed umbrella contractor holiday!-->!-->!-->…
Overarching v. single contract: what’s the difference?
By Graham Webber, WTT
Following a recent article that The Freelance Informer published on the Exchequer umbrella case v. HMRC, readers wanted more clarity on the difference between different types of contracts and the role of expenses,!-->!-->!-->…
Soul-destroying loan charge letters revealed same week as government suicide prevention campaign
“The Impact Statement used to persuade the House of Commons to vote legislation through is an appalling indictment of #HMRC as it was deliberately designed to mislead MPs (think there were only 15 in the House when it was voted through),”!-->…
By 2025 almost everyone will be paying more tax
Just when you manage to negotiate a pay or rate rise, you are pushed into a higher tax bracket. It seems the National Insurance tweak eases April’s pain for some, but not by much. Enjoy it while you can because by 2025 every worker can!-->…
Stress cues like nail-biting make you more likeable, says study
Nail biters, hair twirlers, item fidgeters, lip biters, to shoulder shifters. Most of us exhibit some form of physical cue or outlet when we experience stress. Some of us may even exhibit behaviours linked to superstition when avoiding!-->…
Bali soon to be tax-free for freelancers
Indonesia's tourism minister Sandiaga Uno has said the country, including islands like Bali, will soon start to issue five-year ‘digital nomad visas’ to attract up to 3.6 million overseas travellers and create one million jobs for!-->…
Fashion startup embraces freelancers
A new marketplace and platform has been launched to help independent fashion and jewellery designers not become overshadowed by either fast, low-quality fashion or flagship fashion houses during the Cost of Living Crisis. It's introducing!-->…
Financial services to see boom for career-changers and freelancers
The number of qualified financial advisers in the UK is on the decline, leaving a gap in career-changing opportunities. The Freelance Informer speaks to someone who made the career change to the industry and is now self-employed and loving!-->…
Barclays enters self-employed mortgage market
Kensington Mortgages, a specialist mortgage lender that caters to the self-employed, has been sold to Barclays Bank UK PLC. The sale follows an auction process that attracted a broad range of bidders, highlighting that the freelancer!-->…
Unions threaten teacher strikes and exam result delays
Pupils across the UK could face delays in receiving their GCSE and A-Level results if exam board AQA fails to improve its pay offer to staff, UNISON warned today. A ballot for strike action is in place. Is the big teacher strike next?
!-->!-->!-->…
Agency workers to fill staff gaps during strike action
A new law will swiftly come into action to allow businesses to supply skilled agency workers to plug staffing gaps during industrial action, the government has reported.
The news is found surprising by employment experts given the!-->!-->!-->…
Don’t believe the stereotype: dog breed myths debunked
If you have a canine office buddy ( or are considering adopting one) you may be surprised by a new study that challenges dog breed reputations
Any unsuspecting delivery person or postman walking up our drive would think we have a jowly,!-->!-->!-->…
Mortgage affordability checks to be scrapped
Is the Bank of England’s axing of mortgage affordability ‘utter madness’?
Following a consultation, the Bank of England's Financial Policy Committee FPC has decided to withdraw the affordability test Recommendation with effect!-->!-->!-->…
Financial expert reveals how freelancers can maximise income
The Cost of Living Crisis is hitting freelancers hard. Tony Clark of St. James's Place outlines some tips on how they can best protect their income in tough times
By Tony Clark, Senior Proposition Manager, St James’s Place!-->!-->!-->…
Freelancing is the ideal soft landing for retirement
Don't retire. Go freelance. This societal mindset could radically improve the world's workplace talent pool and financial viability going into full retirement, argues data scientist Erik Stettler
Our work is a big part of our!-->!-->!-->!-->!-->…
Exchequer v. HMRC: will it mean more bills for contractors?
This article has been updated
Judges have ruled that umbrella provider Exchequer Solutions owes HMRC £11m in unpaid tax, but will contractors end up picking up the tax tab? We ask the experts to see what they think and their tips to!-->!-->!-->…
New call for adviser evidence: HMRC and Treasury continue to “seek to ignore and deny”…
APPG launches call for evidence from advisers following harrowing evidence supplied by individuals
The 248-mmber strong Loan Charge and Taxpayer Fairness APPG has launched a new call for evidence, this time from advisers with clients!-->!-->!-->…
UK staff cuts to spike freelancer demand says Fiverr
Two new surveys published today, National Freelancers Day, reveal some telling freelancer hiring and talent trends and why we can expect to see freelancer numbers grow in 2022.
Almost one-third of UK freelancers attribute increased!-->!-->!-->…
Call for agency staff to break strikes – will contractors and recruiters take the risk?
It is unclear how serious the government is in its proposals to change the law around strikes and agency workers – or how interested major staffing companies would be in getting involved in what would be highly controversial supplies.!-->…
IR35: Move abroad and you’ll get preferential treatment from UK clients, says contractor
READER LETTERS
I have been following your newsletter and meaning to get in touch for a while. I am one of the many small business operators in the IT sector who emigrated in recent years due to IR35 changes and ever-increasing taxes!-->!-->!-->…
Fiverr launches new platform called Togetherr™
Getting access to $50K+ advertising campaigns as a freelancer could be career-changingThe new company’s proprietary technology, the Creative Genome™, uses AI and machine learning to build creative teams for each unique project and!-->…
Pension Woes: what umbrella company contractors must look out for
By Tony Clark, Senior Proposition Manager, St James’s Place (www.sjp.co.uk)
What's covered in this article:
What can freelancers do to avoid having many small pension pots?What are the different types of SIPPs or pension funds that a!-->!-->!-->!-->!-->…
The IR35 F-up: how do we explain it to our kids?
If the UK remains inhospitable territory for freelancers then we can probably expect younger generations to have delayed career trajectories.
OPINION
Most 18-year-olds won't have a clue what tax regulation IR35 is, but in my family,!-->!-->!-->!-->!-->…
Report: colour impacts how people treat you
Colour has an impact on how people treat and react to you. Whether it be the colours of your car, clothes, the colour of your hair or the colours of makeup you choose - they all have an effect. That's according to research conducted by two!-->…
Modern-day “serfdom”? Brits spend over 40% of the year working for the taxman. Umbrella…
Taxpayers worked 159 days for HMRC this year. The 8th of June is the first day they start working for themselves. But with umbrella company contractors forking out both employee and employer national insurance contributions, and the!-->…
HMRC names and shames tax avoidance umbrella scheme, yet contractors left to pick up the pieces
The HMRC may be urging customers to leave another tax avoidance scheme promoted by an umbrella company, but there's no talk yet of making the London-based firm pay up. It seems the contractors that fell into the scheme may have to do that.!-->…
“I’m a miracle”: cancer disappears in 14 people after experimental use of immunotherapy
The following is an excerpt of an account published by Memorial Sloan Ketting Cancer Center regarding how rectal cancer disappeared in some 14 people following experimental use of immunotherapy. Given there has been a disturbing rise in!-->…
Google contractors battle injustices
Strike threats over return-to office orders and cases of recruiters reportedly skimming a percentage of contractor salaries are just some of the developments being addressed by the Alphabet Workers Union.
Google Maps contract workers in!-->!-->!-->…
The political party most likely to win the hearts of voters if the general election was held…
OPINION
From the 88 constituencies which the Conservatives either (a) won from Labour in 2019, or (b) currently hold with a majority of less than 15pts over Labour, YouGov's modelling predicts that just three would remain in!-->!-->!-->…
Impressive last-minute Jubilee Party dishes
Most freelancers are juggling projects and family demands as usual so when they are asked to bring something to a Jubilee Party dishes for all the neighbours to witness, they may start to fret.
For those last-minute attempts to impress!-->!-->!-->…
Partygate: did its ramifications influence revisions to the Ministerial Code?
Prime Minister Boris Johnson has written to Lord Geidt this week, the Conservative Party’s ethics adviser and former Private Secretary to the Sovereign, in response to the latest annual report from the Independent Adviser on Ministers’!-->…
How to plan for a summer abroad working remotely
If you already work remotely or have the opportunity to over the summer months, then why not consider travelling to an exciting new location? Here are some sites that can help you make that happen.
Remote Year
To get an idea of!-->!-->!-->!-->!-->…
A world without freelancers is a world without free thinkers
If IR35 was a tax mechanism used in centuries past, I dare say the CEST "tool" we are presented with today, would have been a befuddling series of questions presented by the tax collector to unsuspecting freelancers.
Freelancers, much!-->!-->!-->…
Surprising freelancer trends revealed in new report
Freelance workers on the whole are working more hours than their salaried counterparts, a new survey has revealed. What else has the survey found?
Those in freelance roles appear to be working longer hours, with 46% working 41+ hours!-->!-->!-->…
Inflation: there’s a vital way to reduce it that everyone overlooks – raise productivity
By David McMillan, University of Stirling
Inflation has become one of the great issues of our times. The UK’s is the highest in the G7, weighing in at 9% a year according to the most recent figures on consumer price inflation.
When!-->!-->!-->!-->!-->…
Inflation-beating survival tips for solo entrepreneurs
The solo entrepreneur boom of the COVID-19 pandemic bucked the typical pattern of company creation during other economic times of crisis, according to new research by the Bank of England (BoE). But there are signs this boom could be!-->…
Energy Profits Levy: how much money will you get?
The vast majority of households will receive £550Pensioners will receive £850Almost all of the eight million most vulnerable households in the country will, in total, receive support of at least £1,200Ofgem expects the energy price cap to!-->…
IR35 could blockade new government taskforce to support female start-ups
The British government is launching a taskforce to support women entrepreneurs, tackle investing barriers, and increase the number of women-led fast-growing businesses outside the capital. But with many women starting out as solo-person!-->…
Freelancers saved from big energy bills
Freelancers will be among those in Spain and Portugal who will see gas and power bills dropped significantly through a new law, as much as €90. But many freelancers in the UK are not holding their breath about a windfall tax on oil and gas!-->…
When is it worth paying early redemption charges on a fixed-rate mortgage?
If the Bank of England rate hits 1.5%, it could mean more than a third of people with variable-rate mortgages face difficulties.Meanwhile, with 1.5 million fixed-rate mortgages set to expire this year, more than a third could face!-->…
Bald jokes banned in the workplace
Calling someone bald is unlawful harassment, reports Osborne Clarke
Courtesy of Osborne Clarke's Employment Law Coffee Break
An employment tribunal has ruled that an electrician called a "bald ***t" during heated arguments!-->!-->!-->!-->!-->…
IR35: Contractors lose their independence, now careers finds new report
Twelve months on Contractors are still considering leaving their profession due to IR35, according to a new survey. The news comes at a time that experts call for a boycott of the Future of Work Review as they predict it could stifle!-->…
Why I bought the Hairy Bikers’ new healthy cookbook before it was even out on the shelves
I am not one for impulse purchases. But, on this one sunny morning, I made an exception. I happened to be on the way back from the school run and tuned into the Chris Moyles radio show when one of Britain’s foodie heroes came on – Si King!-->…
This is how much more you’ll pay for everyday stuff
OBR predicts the biggest fall in living standards in a generation
Consumer inflation levels are reaching new highs, which means essential household items and so much more will spike in price. Personal finance experts show us how much!-->!-->!-->…
Freelancer rates in these sectors could soar
A lot has been said about employment, inactivity and job vacancies over the pandemic, but what’s happening to earnings? Salary trends in earnings using payroll data from HMRC revealed which sectors are seeing the highest!-->…
Freelancers leery over Future of Work Review
An independent employment status expert has called the latest Future of Work Review “absolutely ridiculous” given the government has yet to act on findings that have come out of previous reviews.
Limited company freelancers and!-->!-->!-->…
How is HMRC’s “Don’t’ Get Caught Out” campaign “helping” contractors?
Money won't create success, the freedom to make it will.Nelson Mandela
Many of you may recall that back in April HMRC named and shamed tax avoidance schemes used by umbrella companies for the first time. There was even a video (see!-->!-->!-->…
HMRC v. SEB: how can tax grabs from victims first, bad guys later ever be justified?
The omittance of any remark over the Employment Bill and the Single Enforcement Body in the Queen's Speech, speaks volumes of "indifference" about how discrimination against freelancers and solo business owners is reaching a fever pitch.!-->…
Want a better broadband deal?
If you’re coming to the end of your broadband contract, you might be able to move to a faster connection and still save money. Here are the latest broadband deals courtesy of Uswitch. Plus tips to speed up your internet connection for!-->…
Does your emergency fund stack up to these targets?
A new report suggests how much to save for an emergency fund based on where you live.
Freelancers and business owners express what the government should do next about the Cost of Living CrisisLatest on how Klarna could affect your!-->!-->!-->…
Cybersecurity: can umbrella contractors afford to be as complacent as client staff?
Complacent attitudes among employees towards cybersecurity are putting UK businesses more at risk.
In a survey of 1,500 UK employees, 40% feel that upholding cybersecurity best practices is not their responsibility. So why does more!-->!-->!-->…
Could the political party that gives a damn about freelancers and their contribution to the economy…
OPINION
When a nation’s employment options and freelancer freedoms are taken away from them, everyone suffers, including The Treasury and oddly enough, Countdown viewers. Katherine Steiner-Dicks highlights concerns over growing!-->!-->!-->…
Dubai: new residency rules welcome freelancers and their families
More freelancers could call Dubai their home thanks to an overhaul of the Emirate's latest residency rules. Two new visas boast a no-sponsor-needed residency and are being highly praised for their flexible and long-term approach.
The!-->!-->!-->…
What’s SUP? And could it be your “happy place”?
Stand-up paddleboarding (SUP) is a "happy" sport, according to Blue Planet founder Robert Stehlik. The low-impact activity could tick all those healthy boxes from core, balance, to muscle tone, to connecting with nature, plus it's a great!-->…
Contractor blanket bans on the way says tax expert
The Court of Appeal’s decision in broadcaster Kaye Adams’ long-standing case against HM Revenue & Customs (HMRC) could ultimately create more cases of blanket bans on freelancers and contractors if a less complex IR35 status test!-->…
Umbrella companies: they’re stripping the UK of its entrepreneurial spirit and economic growth
OPINION
If Britain's millions of self-employed are increasingly being forced to pay for the privilege to work, then surely they should see some advantages. That just isn't the case when it comes to the nation's growing number of!-->!-->!-->…
Here’s how Kremlin’s “sick masterminds” will bait everyone from our kids to…
UK-funded expert research has exposed how the Kremlin is using a troll factory to spread lies on social media and in comment sections of popular websites
"Cyber soldiers" are targeting politicians and audiences across a number of!-->!-->!-->…
These freelancers could be out of pocket the most
Millions will feel the pinch, but which freelancers could be squeezed the most and why?Plus, what are the quickest ways to cut costs?
In April, 91% of people said the cost of living had increased – up from 62% in November. Freelancers,!-->!-->!-->…
Freelancer escapes prison sentence for second time
Freelance travel agent’s business was booming until she landed herself with a suspended prison sentence
Dublin-based freelance travel agent, Kelli Kilpatrick, 34, mishandled nearly €29,000 from 31 holidaymakers and has received a fully!-->!-->!-->…
What’s the average day rate for freelancers in the UK?
Some of the UK's 1.9 million freelancers are charging higher day rates and enjoying longer contacts, according to new research. Find out which disciplines are attracting the highest rates and longest projects.
Highly skilled!-->!-->!-->…
IR35 litigation against freelancers set to change
A freelancer's career should be considered in its entirety when determining status under IR35 legislation, it has been declared in a Court of Appeal.
The decision came following a legal case, HMRC v Atholl House, involving presenter!-->!-->!-->…
What do you do if you get a SEISS reassessment letter?
Freelancers and small business owners could receive a letter from HMRC identifying them as taxpayers who must repay all or part of their fourth or fifth self-employment income support scheme (SEISS) grant following a tax return!-->…
The Bulb Bailout: is it morally justifiable right now?
As state bailouts go, the failed gas and electricity provider Bulb Energy is the largest since the £45.4bn Royal Bank of Scotland bailout of 2008. But something about this latest bailout is making many freelancers and small business owners!-->…
Freelancers over 50 hit with more costs. Where are the perks?
Average premiums have risen 6.2% for the over-50s in the last three months, with motorists aged 25-49 also seeing increases of 4.1%. IMF forecasts that the UK's planned corporate tax rises from 19% to 23% may constrain the UK's economic!-->…
What’s on this weekend across the UK?
Netflix saw one of its biggest exodus of subscriptions to date this week as people cut down on streaming costs. But if you are thinking, without Netflix, Now, or Sky Sports, what can we do? Check out what's going on this weekend across the!-->…
How freelancers can get more done in a day
Not feeling the work-life balance lately? Feeling constantly under pressure with not enough time in the day to finish assignments? Then these time management tips for freelancers just might help you get that balance again.
Focus &!-->!-->!-->…
Fraudsters invoice £7m in fake invoices to feed lavish lifestyle. How did they get away with it?
Three people were convicted of defrauding the taxpayer for over £1 million in a criminal scheme that exploited government systems designed to support businesses, the Crown Prosecution Service (CPS) has reported. The people involved spent!-->…
The best places freelancers can find new clients
Looking for new clients or a new business sector to pitch your freelance services to? Then one of the most effective ways to beat the competition is knowing where to look.
What are unicorns?
Unicorns are companies valued at $US1bn,!-->!-->!-->!-->!-->…
IFS: interest rates could put students off university
The Institute for Fiscal Studies is calling on the government to urgently adjust the way the interest rate cap operates on student loans to avoid a significant spike in September.
English and Welsh graduates who took out a student loan!-->!-->!-->…
Clients hiring veterans to save serious cash on NICs
Businesses hiring military veterans, including umbrella companies and recruitment agencies, can save thousands of pounds in employee National Insurance contributions.
The relief is available to all employers of veterans regardless of!-->!-->!-->…
HMRC cracks down on workers’ tips and gratuity
Agency workers that receive tips or gratuity as part of their job or service industry, could have their employment records checked from time to time by HMRC. A review of their employer's records would be carried out by HMRC to make sure!-->…
Freelancers now have dedicated airline
OP-ED
An airline in the US has been launched that will cater solely to freelancers, specifically content creators and brand influencers. Yes, you read that right. The airline, Willa Air, is funded in part by freelancer payment app,!-->!-->!-->…
These tax year tips could help you make ends meet
“In the new tax year freelancers are having to deal with the most wide-ranging changes in personal income taxation for more than a decade, says Daniel Fallows, director of accountancy Gorilla.
“We have to go back as!-->!-->!-->…
Inside IR35 contractors say goodbye to old salaries and weekends
IR35 reforms one year on: 60% of contractors report drop in income. Some end-clients are still exhibiting "inside IR35 or leave" blanket ban contractor policies.72% of contractors said that hiring businesses are not taking reasonable care!-->…
I work through two contractor agencies. Am I paying too much tax?
TAX CLINIC
A government contractor that works via two agencies, writes in to find out if they are paying too much tax and if they ever had to apply for Universal Credit could they do it if their agencies pay in arrears at very different!-->!-->!-->…
Poll: British economy “devastated” by IR35
Changes to the off-payroll working rules in the UK, namely IR35, have had “devastating economic consequences for businesses,” according to a poll of more than 500 companies. Over two in five companies (42%) reported that the IR35 reforms!-->…
How to get through a divorce during the cost of living crisis
Going through a divorce in the middle of a cost of living crisis will be difficult for most, but probably even more so for freelancers given their demanding work deadlines and constant juggling between projects. That's why going through a!-->…
Sole director contractors warned they could be limited to unaffordable mortgage rates
Mortgage lenders including Santander have announced that they are changing their affordability calculations on 6 April, taking into account not just rising energy bills and household expenditure as per the revised ONS data, but also the!-->…
How freelancing parents can receive help with Easter childcare costs
Working parents could get up to £2,000 a year to pay for regulated childcare, including holiday clubs and out-of-school activities in the Easter holidays.
GOVERNMENT STATEMENT
HM Revenue and Customs (HMRC) is reminding working!-->!-->!-->!-->!-->…
Your limited company has received an HMRC discovery letter. What do you do first?
TAX CLINIC
Q: What steps should I take if I receive a “discovery” letter from HMRC as a limited company freelancer who does not work through a recruitment agency, umbrella or payroll company?
A: A discovery assessment, most likely!-->!-->!-->!-->!-->…
Freelancers take client to court for unpaid bills
Freelancers are taking the owner of Dragonfly Digital Video Services to court over thousands of pounds of unpaid bills, it has been reported by Brighton and Hove News.
The news report stated that the news service has spoken to several!-->!-->!-->…
Contractors blindsided by MSC tax charges
HMRC has issued letters to thousands of contractors, demanding up to £50,000 from them. The tax office is arguing that contractors have breached the MSC legislation – this is despite HMRC not having established all of the facts, says Seb!-->…