Foreign.

And welcome to the Pat Accounting Podcast with me, your host, Vicky Clark.

I'm going to help you get to grips with your finances, save you lots of money and take the stress out of doing your tax return.

So let's get going.

Right, welcome everyone.

My name is Vicky and this lovely man in front of me is Lee.

And we run the Pet Crown, which is an accountancy firm dedicated to pet professionals all across the uk.

And there's a just this little side note in there, little print.

We also do non pet businesses as well.

So if you've got a partner, friend, auntie, uncle, boyfriend, girlfriend or anything in between that has a non pet business, we can also do theirs as well.

So what have we been up to this week?

Before we delve into what we're going to talk about today and as always, if you've got any questions at all with regards to anything, please pop them in the comments.

I think when the dogs have started, pop them in the comments and let us know.

We'll aim to answer them as we go through the live.

So what have we been up to?

Climax.

It's a busy week.

We have had a busy week.

Packing my suitcase for New York.

I've been buying my sweets for the flight.

I mean, can you elaborate?

Because I feel like you're sweets is basically like a sweet shop.

These aren't your normal mint imperials and some jelly babies.

Lee has bought a whole tuck shop.

I will.

And just everybody that is watching, just so they can't see that it's excessive, I'll just share my sweets for the.

Fight that's laying your sweet slacks for one way.

That's just for one trip.

Oh, Stanley says she can't hear us.

Has anyone else got an issue with the volume?

If they have, let us know.

We've also found out that Facebook, as of April, are not going to let us use Zoom as an integrated app, which is obviously what we use to do these lives.

So it might be that we have to figure something else out.

We may well have to do less of them and just record the podcasts, but we will just wait to see what happens with that.

But just an FYI, if you do use Zoom or any other app integrate to Facebook, then they are removing that as of April, so that's a bit of a bummer.

We've been getting lots of stuff ready for Cloths, so if you come to save at Cloths, we've got some good goodie bags full of tut.

Helpful tut sometimes.

And we've got sweets we've got Prosecco, we've got all sorts, so make sure you come and see us.

So that's been a bit of a mission trying to get all of that organised.

We are better organised this year than.

We were last year I feel definitely.

Because last year we had nothing.

Last year we ran out on Saturday and then we had nothing else to give people for the rest of the weekend.

So that was a bit sad.

That's where we met on Sunday.

Yeah, that's why we left very early on Sunday because we had literally nothing left.

We have had no mug deliveries this week, which has also been a bit sad.

Our books are open, so if you are looking for an accountant and you need help with your finances, then our books are open.

So we've had a lot of new clients come on board this week, whether that be self assessment, unlimited company and also with the launch of our all in one package for sole traders, there is now one for partnerships and limited companies.

So it's all been a go here.

And what else?

What else?

Nothing.

That's it.

What else have we done?

Work.

You did.

No work you flat out.

Lee's been designing things and we've also those grooming packs or training packs or walker packs you get online from our website, we are actually printing off actual physical paths to bring with us to Crufts.

So if you can't be bothered to print them out, we have put together a better actual package book.

Print by on the day and fill in for your accounts if you're not one for software.

And I think that's probably a very quick rundown of what we've been up to.

Like I said, if you're watching, you've got any questions, please pop them in the comments and we'll aim to answer them even if it's not financially just anything you'd like to ask like say we've got skills in other areas so we might surprise you.

So any questions, put them in the comments.

Right, so Lee, because it's a bit of a whiz with the designing and technology and I can't do any of that, has designed or.

Actually I'll let you.

I'll let you tell people about the performance paths.

Right, okay.

So as you know, we've launched the all in one package this, this month as well and as part of that we've been speaking a lot about the performance pack that you get with it and it was only when we were doing a little bit of one to one training with, with Nicola and Jody just to update them on the product Knowledge.

And as we launch things, they understood that we did a performance pack, but they actually said until you'd physically showed us what it was, we didn't understand the benefits of it, of what it can offer to the clients.

And they said that it would be really good if we could print one of these out and take crafts with us to show potential clients what it is that they get as part of the all in one package.

And then that got us thinking.

We think, well, if they didn't know what it was, how many of our clients in the group also knows what it is?

So I is currently nobody.

That's what me and they do.

We have so much we actually offer, we just don't tell you.

You have to find it yourself.

It's in drips and dry.

Good.

Play it on the list.

Pray for our cold, dead hands.

Either ask us or go on our website.

Have a look.

But yeah, it's probably why people always say in the group, anyone recommend an accountant?

Because maybe we don't tell you enough that we are accountants and that's what we do and we actually run the group.

Are there?

Yes, we have lots on offer.

You just got to try and find out what it is part of.

Again, trying to prove that that.

Which is one of the reasons why we launched the all in one package as well.

It's because, you know, when you look at the cost of it, actually it represents really good value for money with everything that you get.

And you know, when you, when you don't know how much an accountant costs and you don't know how to ask for bookkeeping or for payroll, having something like that kind of solidifies and reassures you that it's not going to cost you the earth.

And actually being an expense to your business, you should see it as an investment because it will help your business grow.

And as part of that, this, this pack that we, that we send out every quarter so that you see what's happened over the last three months within your business, allows you to make changes so that the next quarter you will do better again.

And we wanted it to be quite visual so that you don't get bogged down with all the figures.

I know that, to be fair, can.

Be full of jargon and words people don't understand.

So there'll be no point of us giving you a boatload of figures for you to look at and go, I don't really know what this means anyway, so it's pointless.

And I think that's what happens when we give people accounts is that it's just full of figures that you just.

Some people don't even read it.

And we know they don't because how quickly they come is, you know, we send emails, three snacks.

And I'm like, did you read it?

No.

So I'm gonna share my screen and I'm gonna war.

Let the not.

All those messages that I sent you, Lee, are now for the public.

Luckily that was just the zoom in by accident.

I mean, me and Lee do send each other some dodgy messages.

Yeah, just as a quick thing before the elves into the pack.

I think one of the things we get quite a bit is people think that accountants are extortionately expensive.

So they don't bother asking.

And there probably is some accountancy firms out there that are ridiculously expensive.

You can join us as a sole trader from as little as 27 pound plus fat a month.

So it's not major books, that's like what equivalent to one dog groom, maybe two dog walks potentially.

So if you think about it that way, as long as you do one groom or one dog walk a month, then the currency fees are covered.

But just bear that in mind that, you know, we may well not be as expensive as you think.

Anyway, carry on.

Right, so as part of the accounting pack, we look at the last quarter's figures and then we compile these into some nice graphs so that they're easily readable.

Now the first one that we look at is your sales and expenses over the last quarter.

Now I have to say this is a made up company.

We haven't shared anybody's details and I made sure of that morning.

So this is, this is fictitious.

But the graphs that you get and information contained within it is exactly what you get as part of your performance pack.

So the first graphs that we have, the first table that we have represent your sales and expenses for the month.

So it's kind of a good view of all your sales higher than your purchases.

And you can look at the bars, which gives you an indication of where they are.

Now if your purchases were much higher, your expenses were much higher, then the idea is, is that you want to bring those down so that your sales, there's a bigger difference between your sales and your purchases.

If there's a big difference between sales and purchases, it means that you've got more profit at the end of the period.

It also walks you through and explains exactly what you're seeing on the page as well as giving you totals so that you don't have to add anything up.

And then if we Start to scroll down.

We then give you your gross profit month by month.

Now, your gross profit is the difference between your sales, your revenue, and the expenses that are used to run the business directly relatable to the product or service that you offer.

So if you're a dog groomer, for argument's sake, your cost of sales will be the things like shampoos, bandanas.

I'm just trying to think of what else that you guys would buy.

That's, that's, it's any item that you can directly say that went into grooming that dog.

Anything that is like a collective expense, like rent, heat and light, your staff salaries, computer running costs, they're over.

They're your overheads.

So what your gross profit represents is the money that you've got left over after you've spent money on delivering that service.

So the higher the gross profit, the better your business is going to be because the more money that you've got for your overheads.

And as you can see here, we break them down into the months of January, February and March.

And you can see that the gross profit is on average, if we take all of those, it's going to be around about 90% across the three months.

But what that shows you is, is that if your gross profit percentage drops, you got to think, well, why did it drop that month?

Am I spending more to be able to deliver that service?

And by asking yourself that question, you can then think, right, next month I need to spend less on that or I need to increase my prices because if, if my supplier costs have gone up, my gross profit will suffer and therefore I need to increase my prices to maintain my margins.

So that's good indicator for when people do that then, because obviously I know a lot of people don't increase their prices for years.

So, yeah, and this is going to, obviously establishing that, yes, because yes, you can sell more.

As in you, you, if you sell more dog grooms or you, you walk more dogs, all that will happen is, is the costs associated with taking those extra dogs on will also increase.

So your, your gross profit percentage will show you the margin of each of those.

And the only way to affect that margin is lower your costs or raise your prices.

And as long as you do one of those two things, you'll have more money in your business to cover your, your overheads.

And then once your overheads have been paid, the bit that's left is your profit, and that's for you in your back pocket.

So the next thing we look at is your net profit month by month.

Now, your net profit is once you've taken all the expenses into account, that includes your, your, your cost of sales, which, which is your gross profit area.

So that's absolutely every expense in the business taken off of your sales and that's what you're left with at the end of the month.

Now in, in rough terms, that is the figure that you will probably be taxed upon.

Now we do adjust that slightly and I won't get into that.

But, but as a, as a rough guide, your net profit is what you're left with to be taxed on, which is your money that your business has made for you in your back pocket.

So again, a really good metric to look at and use these packs for, because if your net profit is increasing, it means you're heading in the right direction and your business is making more money.

Now you can affect this net profit in loads of ways.

Groom more dogs, put your prices up, lower your cost of sales.

I don't use as much shampoo on, on a single dog.

And limit how much you use.

Change suppliers, look for a cheaper supplier, you know, so those are the type of things where you can drastically affect your net profit side of things.

And then if we scroll down now, this is probably my favorite one.

So this is the detailed performance for the quarter.

And what it does is it shows you your sales and your expenses.

And then it gives you a profit trend line, which is, so the green bar is your physical profit and the black profit trend, which is this arrow here, as long as that's pointing up, it indicates that over that period you, your profit is indicated to increase going into the next, you know, the next quarter that we haven't even started yet.

If that arrow is coming down the way rather than going up, it means that you're starting to lose money and therefore you need to take drastic action to, to change that.

Now again, it could be a case of you were ill for a couple of days, so you had to cancel a few dogs and that affected your sales, but you can explain that drop.

So your suppliers may have put their prices up because, you know, every April most businesses increase prices in line with the cost of inflation.

So if you didn't put your prices up, your profit's going to be squeezed and therefore lower.

And therefore that black line will show that your profits are going less.

So by using this little table, the only line you really need to look at is that black arrow.

And if it's going up, you're doing great and the business is doing well.

And if nothing Changes in the next quarter, it should continue that trend slowly increasing.

If we scroll down, what we've done then done is combined everything for the quarter for yourself.

So you can see over the past three months, you've made £18,643 in profit.

You spent £3,650 on your cost of sales.

To remember, the cost of sales are the items that you can directly attribute to providing that service.

So they're your consumables that you're using to groom a dog.

Then you've got your overheads there as well of how much you've spent in total.

So again, increase profit by increasing your prices, lower your cost of sales by using less of a product, lower your overheads by changing suppliers and looking for cheaper deals.

Now what we have on the right hand side is it tells you about your gross margin.

So the average gross gross margin on Your sales was 90%.

So your gross margin profit was 90%.

Your net profit, which is your taxable bit at the bottom, was 53%.

And what that equates to, and this is my favorite one, is for every one pound that you sell, you're making 53 pence in the pound.

So what you can do is even if you take nothing else away from this performance pack, is if you look at the how much you make per pound every quarter and as long as that stays the same or increases, you're doing well.

If that drops down, then you're losing money every quarter that we go along.

Now if you make a loss, it will tell you that you're losing however many pence in the pound.

And that's when there's real issues there.

But what this does is very visual, very easy to read, and if you understand what it's saying to you, you can make business decisions and changes very, very quickly and very, very easily.

Any, any sort of questions in the group.

I haven't been keeping an eye out.

I don't think Vic's been, Vic's been answering some as well.

I think everyone's just been engrossed in your very colorful chart.

I did lose it in one minute because it went on the massive screen.

I was like, how do I reduce the screen?

I can't see anything.

So that's what I was doing.

If you saw me like moving my head around, was actually trying to work out how to see the screen.

Yeah, well, I think nor the combination with the quarterly dropping calls that we've launched as well, allows you to have a chat with your bookkeeper, your accountant, me or Vicky.

To go through these packs with you.

So if there's something that you don't understand about them, then you can pick our brains.

And if there's something you'd really like to change and you want to increase a certain area of it to improve just one area, again, we can give you ideas and, and, you know, different ways of marketing to be able to help you achieve that increase.

Most people come to us and say, look, I need to increase my sales, but it could be that you're happy with your sales because you can't take any more dogs, you're at capacity, in which case we have to look at the expenses part of the business to see where we can save you money that side, because that's the only way, apart from putting your prices up, that's the only other way that we're going to get you a little bit more profit and money in your back, your back pockets.

The whole point of doing these packs and, you know, we've had quite a few clients that have taken us up on this is because, you know, me and me have lots of skills in different areas that potentially people don't know about.

So we can help you, not just with the finance side, but with your business as a whole.

And I think, you know, we've had few clients that are happy where they are and they do want to grow the business, so then the package probably isn't for them.

And they, you know, like I say, just get us to do the self assessment, which, like I said, is from pound 27.

All of the stuff that's in the package, if you price that separately, is worth way more than what we're actually charging you for.

So the Packages are from 97 pounds.

It does depend on your turnover.

So someone that said in 200 grand is going to pay more than someone that's earning 40 grand.

So we have tried to make it as fair as possible, but the whole point of the packages is to help you grow your business.

So if you're not in a position where you want to grow it and you're quite happy, you know, doing what you're doing and actually you just want your tax, it probably isn't for you.

But if you're in a position where actually I want to grow a business, I want to take on staff and need help with a price and, you know, my website's crap and I used to want to look at that, then that's where the package then comes into its own, because we're giving you help with everything.

So if you want this marketing it potentially go to me.

If you want to help with your pricing, it could be either of us.

If you wanted to help, you know, telling clients that you've had a bat increase, then again you could speak to one of our team and they could help you.

So there's lots to cover.

And also with the software which is also included, which is nero, because it's the best software, it will help you keep track of your back threshold.

I was actually looking at some of our clients who were on free agent earlier today and I picked one and I don't know why I picked this person.

Anyway, I look and I went oh dear.

And I did a roll in 12 months and they'd actually gone over there that threshold about realizing.

So it's really important to keep, especially if you are on software.

It's worth noting there that that wasn't a bookkeeping client, it was just a self assessment client.

So again we don't do it on a month to month basis.

So it was purely random.

That was just me, I was just having a little look.

I was making sure no one had gone over.

That was realizing because obviously if we're not doing the bookkeeping, the only time we're going to see your figures realistically is at the end of the tax year when we then can't do anything about it.

It's only seven months after the end of the tax year.

You know, it's.

And it was just so happened that I thought, you know what, I'm on trade.

I'm going to have such a quick look to make sure and see where people are at.

And I came across it and I thought, well, thank God I quoted now and not six months down the line because then it would have to be backdated.

So that was a phone call.

I did call her and it was fine speaking to it.

Oh no.

And I was like, but no, it's a good thing to hit the back threshold.

It's, it's an achievement.

So I know it's scary but.

And we, we did a podcast on that last week.

It is a scary thing and it does sort of put the winners up here.

But once you've done and you've got someone there managing it, it's, it's easy.

I think what I think is important to remember as well is because we're there to support you with the VAT and a lot of clients come to go.

I don't want to be that registered.

I'd rather keep my turnover below the VAT threshold.

But actually what we've worked out is that if you are a groomer, for argument's sake, we can put you and apply to the flat rate scheme and by putting your prices up by 13% that will cover the VAT that needs to be paid to HMRC.

So even though you have to charge 20% VAT, there are schemes in place, the flat rate scheme, for argument's sake, where in year one you only pay 11% VAT, but by increasing the price by 13% it covers the, the difference between the VAT you've got to pay HMRC on top of the price increase that you're having to have to make sure that encompasses all of the VAT and that that 13% is much easier to swallow than 20%.

And actually, if you would, if you approach it in a, in a structured format and you have a very good wording of the letter or, or the phone call that you're going to have with your clients, then a lot of them will be amenable to that price increase as well.

So a mindset does come into that slightly, because mindset is the bit that blocks you about the VAT side and you just think, oh my God, what am I going to do?

But again, there's coping mechanisms that we can help you put into place.

To start with, get a really good bank account.

You'll get one that allows you to have pass, such as Starling.

When you receive money from your clients and directly from your card machines, bank transfers, however you receive it, put that 13% straight into one of those saving pots and don't touch it.

Then at the end of the quarter, you've got the money there to pay your VAT bill.

It's money that you never had, so you're not going to miss it.

And as long as you've covered the vat, then happy days.

And you can stay on that flat rate scheme up until you're over £230,000.

I think it is off the top of my head.

So there's a big difference between 85 and 230 that gives you the growth.

But once you've removed that ceiling and that blockage of going, oh my God, I'm going to hit that VAT threshold to ruin my business.

Honest to God, the amount of clients that then accelerate and fly, because that's not there anymore.

But they, they are very good in their mindset that I now need to do this and I need to have it head on.

We do get clients that shy away from it and don't save and, you know, unfortunately they do struggle A little bit because they're not disciplined enough to put that money to one side.

You've got to remember when you go that registered, you're a tax collector on behalf of hmrc and it's, it is I, I dread every quarter when I've got repair that bill.

Unfortunately I'm left on a flat rate scheme, so it really grates on me.

But you got to do it, you.

Know, it's, it's, it's a depressing, it's a depressing thought, you know, when you see it.

But it is what it is.

We've gone off on a bit of a tangent again, slightly talking about that, but we've got a few people in the comments that have joined us on the all in one package.

So again, if you're on the fence, then by all means ask people in the group.

We'll surely give me some honest feedback.

One question from Dapper Dogs, you may have already gone over this, but will you teach us how to use set up the Xero or is it better to pay for the course you have?

I've got the Xero through you, but still haven't learned how to use it.

Yeah.

On we, we were running zero courses, but we need a couple of people to sign up to them in order for us to do the one to ones.

We are doing one to ones actually.

So if you want to book in a one to one, Abby's actually running the one to one training on the zero and the side.

And, and she will take you through everything from setting it up, how to use hub doc.

What else would be how to, to set up an invoice, how to reconcile the bank.

It will take you through the basics of it, that'll get you up and running and because it is a one to one, then it gives you the opportunity.

So if it's something that you don't understand or there's something that you really want to go through, then you can ask Abby and be confident.

Then by the end of that session it's, Is it a two hour session?

I think she's doing them in.

Yeah.

Into ones, two hour sessions and then you'll, you'll, you'll be confident by the end of it with, with everything that you've covered.

Come on the package.

We do it for you.

Yeah.

And then they have to learn it.

Yeah.

So that one of the benefits of that is that whilst you may be using zero on your own, we, we can teach you how to do zero, but we can't teach you how to do bookkeeping.

And there's.

There's a.

Quite a fundamental difference between how you use a software and knowing that you've used it correctly and categorized things correctly.

And that's what we have found, is that clients from other accountancy firms, or even our own, have come to us saying, I've done my own bookkeeping.

You know, it's all on software.

And you look at it, and unfortunately, there's some clients we've had to say, look, it's.

It's that bad that what we really need to do is set up a new subscription and you give us the bank statements and we'll start again.

And, you know, not all times, and.

You know, it's very rare, but there's.

You know, we've had to spend a couple of hours trying to date, I.

Would say, 70% of the time, because I do a lot of the self assessments when people are on free agent especially, and I go in, I think, oh, no, I do have to spend the first half an hour tidying it up, where people get one of them that everyone uses realized currency exchange.

Where do people get that from?

And you click into it and it'll be like three bags.

And you're like, where have you got realized currency exchange from?

But, you know, it keeps us busy.

It does make us giggle.

Like I said, we've got enough packages and options out there for you.

If you're new and Ian might not necessarily be able to afford the package straight away, then you can just come on board as a client.

Like I said, it's not as expensive.

You think?

And the same with the payroll.

I think people think, oh, my God, I can't pay someone to do my payroll because it'd be mag expensive.

Ours is like £6.50 per pony.

Got a flat rate of £10, so it's like £16.50amonth plus our month.

It's nothing.

It's not massive considering, you know, how many.

You know, how much work goes into it behind the scenes.

I mean, I don't even get involved in pay law.

Meryl.

Lauren spent many hours tidying up my bookkeeping.

Sorry, Norman.

She can hear me.

She's Meryl.

She's smiling.

Um, I don't know if that's a smile or a grimace.

Um, so, yeah, seeing some bold artists.

Yeah, it keeps her busy.

Keeps her busy world.

So it's fine.

But, yeah, so Z, I used to set up my own Z, I used to set up my own one before building company was already set up and I used it all starting.

Observe for myself, my glueing company.

Do I have to set it all up for codes?

Do I have to set up all my codes for costing areas to post too?

Sorry, I think we both have to like reread the question.

Yeah, sorry.

Talk.

So out of the box, zero has some categories in it, but not all of them are used and it doesn't have all the ones that you should be using.

So there will be ones that you'll need to create specific to the industry that you're in to make life easier.

Like I don't believe it has consumables but it may have purchases.

But then the difference between consumables and purchases is consumables is things that you use day to day fragments like if you're a groomer they'll be your shampoos but purchases are things that you buy to sell on to your clients which again would be shampoos if you sell them to your clients.

So this.

There's slight differences in.

In the terminology but again if you, if you.

If you know how to set these codes up in Xero and in free agent it's good to put things in the right classification.

So.

So out of the box 0 does need a little bit of work behind the scenes in the charter accounts just to.

To add a few things in.

Like I'm not sure if repairs and maintenance is there either and there's quite a few that we use that we put into the sole trader accounts and the limited company side that that is, that isn't native to zero but we use them all the time because of the industry that we're like field rent is another one and field rent isn't in there but it comes up an awful lot.

It's mad how you think these softwares don't give you like the general categories to put stuff in like free agents.

Worse for that apparently it's as mad.

But it does give you realized currency exchange that every day free agent you.

Can give you cleaning, it doesn't give you repairs and maintenance loads of free agent doesn't give you.

So yeah it's a bit of a.

Bit of an odd one but again you add them in.

You go into the setting as you add a category and then you can add them in.

Yeah.

So don't everything in sundry or general I stop that you can do.

I had one or was it.

We had one of our long term clients called us in quips last year actually no it wasn't her, it was someone else and we were talking about it and I said what to do with your software.

She goes, oh, I just go, effort, it's sundries.

Literally.

She's like, anything I buy, I just got effort.

It's sundries.

Which did make me giggle.

I was like, oh, God.

But yes, your sundries shouldn't be thousands of pounds.

So for easy doing something wrong.

Yeah.

Yeah.

Speaking of, come off, make sure you come and see us haul one.

Stand 56.

I think we'll definitely hold one.

Whether it's 56, I'm not sure, but definitely haul one.

So make sure you come and say hello and pick up some goodies and some fizz.

We're only giving the fizz to clients, otherwise we'd have to buy bloody bottles and bottles of it.

We'll be pissed by the end of it.

So if you are a client, you want to come and say hello and come and share a glass of fizz with us, then you're more than welcome.

If you want to sign up with us on the day, we're going to have lots of offers and games and things to do on the day.

So like I said, make sure you come in and take use of that.

And I hope that you found the packages helpful.

The performance pack, I should say.

At least it shows you what it is that we do and it is a great tool, especially if you're looking to grow your business.

So make sure again, if you want more information that give us a shout the numbers and everything and email addresses on the top of the group banner or you can just email us@vickihamisoncloud.co.uk and then just change the name of who you want.

Lee, Abby, Tegan.

But yes, hopefully you found that useful.

We.

Oh, Ali's going great.

Ali, make sure you come and say hello.

We will leave it there.

Like I said, all of these lives go on our podcast Pet Account podcast.

Make sure you subscribe and if you haven't listened to all of them, there'll be loads on there by now here next week though.

So we'll be missing here next week.

Because we're both going to New York for some R and R and some alcohol.

So maybe I wouldn't know if we could do a live from New York, the time difference.

But you never know, we might pop up.

Just say hello just before we go towards us.

Could you guys set zero up for me specific to my growing business needs to get me going properly from start accounting wise towards a client?

Yeah, we can, we can sort that if you, if you send an email through Tor to Vicky or me and one of us will, will sort that out for you.

If we, if we didn't provide the subscription to you, you're going to need to add us in so that we can access your, your 0.

So there'll be a little bit of work behind the scenes before we can get to that stage, but certainly we can look at that.

You get, get the accounts in there.

Fabulous, right?

Hopefully you found that useful.

We will see you at Crofts.

And like I said, we won't be here next week or we might pop up, you never know.

But we'll be back the week after with what we've got up to in New York.

And yes, like I say, please, please give us some topics that you want us to talk about.

You know, it could be anything.

We're more than happy even if it's that payroll maybe do our payroll, you know, limited companies sold traders, partnerships.

So like I said, just drop us a message.

My favorite one is the dreaded director's loan account.

So maybe we can.

Yeah, but maybe that's a bit boring now.

Not if you get cool with me.

Maybe, maybe not.

If anyone has a better suggestion than that, please put it in the comments.

Otherwise neighbor talks.

No one accounts for 40 minutes.

It could be a good one to record, put you to sleep at the end of the day.

But yes, we will come back the week after next with a very exciting topic.

Hope you all have a great week.

Hopefully we'll see you a lot to cruff and yeah, we'll leave it there.

Take care.

Bye.

See you later.

Bye.

Thanks for listening.

If you've enjoyed my podcast, don't forget to subscribe for me.

And if you want to speak to me, please visit my website at www.www.petaccountant.co.uk.

and if you'd like to join my Facebook group which is full of like minded pet professionals, then search accounting for pet professionals in Facebook and I will see you there.