Foreign and welcome to the Pat Accounting Podcast with me, your host, Vicki 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.

Hello, hello, hello.

Another week.

Hello, hello, hello.

Our New Year's resolution is off to a fabulous start because this is the second one in two weeks.

It is.

We're doing well.

We're doing well.

Give ourselves pat on the back.

We struggled with the tech two weeks in a row.

We always do.

I'm gonna try and do it on the computer today.

So we have had quite a lot of people join the group over the last couple of weeks and months.

So if you don't know who we are, my name is Vicki and this is my work husband, Lee.

We are the faces behind your tax returns.

Yes.

And I can't multitask because I'm trying to talk and do the sharing at the same time and it doesn't work.

We run the Pet accountant, so we run this group that you're watching this in.

So if you ever wondered who are the people, these strange people that run this group that I'm in that give us free advice every day, all day, 24, 7, 365 days a year.

That is us and our wonderful team.

So yes, we are the faces behind the Pet accountant and we will do a live pretty much every week on various different topics.

Some that have come up in the group that we thought would comment on like we did last week with the whole glasses and chiropractor crap and then some we've just come up with ourselves.

So this week we are going to be talking about the pet accountant.

We did do that live last week about glasses and there was still questions being posted in the group afterwards asking they can claim for eye test.

Swift answer is no to all of the above.

I think the question was, in my last employed job, my employer paid for eye tests because I needed them for the screen.

Now that I'm self employed, I, I need glasses to drive because without the glasses I couldn't drive.

I couldn't do my job.

Just to be very clear, they're employed and self employed is very different.

And some of the expenses that are claimable in one is not claimable the other.

And unfortunately you require the glasses to drive.

Your business doesn't require the glasses for you to drive.

So the glasses are a personal expense and therefore the eye test is not a business expense.

That's allowable for, sold for, for self employment.

However, the reason that your employer paid for it previously is because you was using a computer and you required them for a display screen equipment.

So in that instance your employer was allowed to pay for them but as a self employed person to drive.

Unfortunately that's a personal medical condition with yourself, not, not something that the business is able to claim for.

So that one's still a no, I'm afraid.

But we're not going to talk about expenses today.

We're not, we're not, we're not.

You'll go off on a tangent for 20 minutes and everyone will be like, right, come on, move.

Right, so we are going to talk about ourselves today.

We have done, we think we only did one live last, last year on who we actually are.

So we thought it was a very good point in the, in the calendar to do it as your tax returns are due the end of this year, end of this month.

So.

But we will, we will do a couple of bits and pieces as well like Juicy, that will help you with like the tax return and expenses and I'll just slide them in when Vicky's not looking.

Yeah, yeah, I'll just keep talking and you won't get us pause, think on, butt in and tell you about expenses.

But it is a very important topic, accountants, because unfortunately there are some not great ones out there and not licensed across one this week actually across one this week.

So we just wanted to give you an idea of the things that you should be looking for if you are looking for an accountant and also why we differ to your general accountant.

We differ in many ways.

One of them is we don't wear suits and we don't, we're not really boring.

I do find accountants are quite boring.

Look, we have, we have dropped our wine down Wednesday when we come on here with a glass of gin and yes, it is during the day now, not in the evening.

During the day when we did it we used to do these like six, seven o'clock at night and there was a gin in hand or some sort of alcoholic substance but now we're tea total during the day.

So it's fine January and it's dry January for self assessments.

So.

And we've got loads of self assessments to do so we need to clear head.

I did do a live once with Bill and I think I was a little bit drunk.

Can I ask if, if we're doing dry January for self assessments, when that ends at the end of the month, can we do shit face February and just constantly be drunk throughout February?

I feel like a Drunk Accountant month should be a good thing.

Anyway, we digress.

We are actually accountants.

We are licensed.

Would you believe we're just slightly quirky?

Yeah.

But before we go into what you should be looking for in an accountant, which I do, like I said, is very, very important because you don't want to be stung with a crap one.

I thought it'd be very apt to actually tell you who we are, hence my title, who Am I Just give a bit of background so that you know who you're dealing with and you know who's looking after the group, etc.

And if you do ring us.

You can ask for me if you.

Tegan does most of our client calls, but if you want to speak to us, that's absolutely fine.

But we're not going to harp on about our background because we could probably hear all day.

But just to give you a little snippet of who we are, then we'll go into what you should look for an accountant, and then we'll tell you how great we are and what we offer, which is a lot more than your general accountant.

Like this group, for instance, there's not many accountants that do it.

I know there's one else we saw this week, but they're American.

But I don't think any other accountants, do they?

They only had 95 members in the group, which is a little bit different to our 8,000 odds.

Yeah, I don't think we've got much to worry about on the company.

They are.

It is an American company, so we'll be useless in there anyway, so.

But yes, that is one way we do give our free time up to help you guys.

We know that not everyone can afford an accountant necessarily, so that's why we run the group, to give you all that advice to try and help you along the way anyway.

Right.

So a little bit about me and then I'll tell.

Lee's got two minutes and not 20 to tell you about him.

I hate that I can't say anything about myself.

So it's better you just take.

Okay, I'll tell you about Lee and you can tell them about me.

That's a fun way to do it.

So Lee is 50 years old and.

You wait.

I get my two minutes in a second.

No, I'll be nice.

No, we'll do each other's fine.

So my background is when I first I did a business and accountancy degree at uni, and I'll be honest with you, didn't really pay much attention during those four years, but got the degree and then my jobs after that, a lot of them were sales based.

So for a good four it would have been.

Yeah, good three or four years.

I did predominantly sales, whether it was in a recruitment company, cars, people, whatever, it was basically sales.

And that's where I picked up my sales talents.

And then I, for some strange reason thought it'd be a good idea to join the police and joined the Met in London and was there for 10 years.

And that's where we met.

When she arrested me one day.

Lee was naked in the street.

That's waving his calculator about.

That's where we met.

And it blossomed from there.

No.

So I was in the police for 10 years in the Met.

During the last two years of that, my uncle ran his own accountancy firm and I started doing little bits for him, got really into it, really enjoyed it and decided one day I was sick of being spat on and punched in the face.

So I decided to quit and start the Pet Accountant.

So the Pet Accountant was born at some point about what, 20, 21.

So four years ago and oh, Helen Norton's back.

Sign your bloody accounts off.

Yeah.

So decide.

The Pet Account was born, basically.

And I did that from scratch.

I'd not done a business before, I had no experience running a business before, hadn't got a clue what I was doing apart from the sales bit and the accountancy bit, and basically grew the pet accountant to six figures in probably just shy of 12 months.

So then fast forward a couple of months after that I met Lee.

He'd been doing some work for me like payroll and stuff like that that I didn't want to do.

And our relationship blossomed and we decided to join forces and create what was then called Thomas and Clark, now called Culpio.

And now we have grown from me, Lee and Abby and Tegan.

When we merged, I don't even think Tegan was with us.

No, Tegan wasn't.

No.

So it was just me, Lee and Abby and Abby worked with Lee prior to us joining forces and now we have 16 of us and we're a multi six figure business.

So we are well versed to giving you guys advice and, you know, showing you how to grow your business because we've done it both ourselves.

Lee had a successful business before we joined and now it's even doubly successful because the two of us.

So it just shows you that it can be done.

I know there's a lot of people out there that go, you know, I don't know how I'm Going to do it.

I've got no experience running the business but it can be done.

We are factors of that because me and Lee didn't have experience doing it and we've managed to do it.

So we can help you.

Not just on the finance side, on the business side as well.

So that is my little two minute snippet.

I think as a business owner, certainly as a small business, you have to be multi talented in all aspects of your business.

And it's not just okay to be a good dog walker or good dog groomer.

You've got to be able to wear many different hats in that business to be able to make it thrive.

And some of the earlier years is the most difficult.

You know, trying to find the time, the energy, you know, to think that once you've done a day of grooming dogs you've then got to think, right, I need to get into my marketing now because I've got a book and make sure I've got constantly keep those, those clients coming.

I didn't have a life for the first 12 months.

I mean I was working like all day, every day, all night, all weekends, you know, trying to figure out, you know, where do I market, you know, what do I need a website, how am I going to do my sales?

I need to then manage my dia.

I need to actually do the work.

Yeah, it is very, very stressful.

I literally just, just did not stop for 12 months.

Luckily, you know, I grew fairly quickly and that's when I got a Charlotte Parrot who does the social media manager who was a VA back then, got her on board and realized, you know, I can't do it all.

I need someone to manage my time because I'm useless.

Got her.

Then I got someone to do the website and it does take time.

You know, I did have a little bit of cash behind me at the.

Unfortunately my dad passed away so I would say I'm lucky but not lucky if that makes sense.

Yeah, but I did have.

So I just saw the thing going, the pet accountant.

I look forward to chatting with you.

What to ourselves?

I don't know who that is, but yeah, so I was a little bit lucky.

But you don't need like thousands of pounds behind you to do it, you just need.

I started mine without any money.

So I took the plunge.

Basically I got my, my.

I started off with my bookkeeping qualification and I was working a full time job and I decided that once I had my bookkeeping qualification that that was me gonna go.

And you've done loads of jobs so come on.

Yeah.

Where have you worked?

I have done an awful, awful lot and I got bored really easily because the jobs just didn't, didn't entertain me.

So I've done recruitment like Vicky, I've done hotel managers, I've done call center managers, I've done enterprise rental card because they give you the tools that you need for life.

I've done.

What else have I done?

Retail, obviously.

We did Ramsden.

Yeah.

So Ramsden's as a franchise, which is my favorite.

Yeah.

As a manager of farm foods.

So I've done, I've done lots and lots of different things when I was, when I was younger, you know, and the problem is I like.

So I get bored.

It's kind of like, right, I've completed that.

What can I move on to now?

But what that has helped with is to see many different aspects of business run in different ways in different industries.

So actually, for the job that I now do, when we have clients come to us that's running like an ice cream van or, or a grooming salon or, you know, we've, we've got a client that has worked with Jeremy Clarkson on the Grand Tour.

We have a lot of variety within the work that we do.

All of those jobs that I've done has really helped me understand the different driving forces within those industries and some of them are cross channel and you can, and they integrate with each other.

So when we now have pubs and restaurants and hotels on board, I can confidently talk about occupancy levels and how that affects turnover and what that's going to do to cash flows.

And it's about bringing all those back in into understandable terms and breaking it down into its easiest form for somebody to understand.

And that's one of the things that you'll find with us, is that we're not going to bamboozle you with accounting terminology or jargon because it just doesn't make sense unless you've been on these courses and you've studied for hours.

You know, I'm not expecting somebody to know what a pool balance is, you know, for write down allowance.

It just, it means nothing.

But if I can explain to you in terms of, you know, your assets, we're going to claim those differently because we don't claim the same as an expense, but we're still going to get you tax relief on them.

Can understand that better than me saying, well, we're going to write them down at 18% on a diminishing balance each year, year on year, until there's nothing left so it, you know, there's, there's different ways that we can explain things with our clients.

I think that's what our clients like is the fact that we are down to earth.

We do swear.

I mean, we're not going to lie.

You know, if you're talking with us on the phone and you're swearing, we'll be swearing back with you as well.

What went on behind closed doors.

Yeah, but it's with the clients, it's not the client's expenses with the clients.

Yeah, and also as well, and for those of you who don't know, Tegan used to run her own dog wearing business for six years and it was very, very successful.

She only shut it down because she relocated and we poached her as she relocated.

She was going to start up again.

It was only going to be temporary.

She managed to keep an eye for three years.

So we do have of the background, especially when it comes to the grooming side of what you guys need and want and, and what you need to claim for etc because of Tegan skills.

So if you are a dog groomer and you think you've got an accountant, you want to speak to Tegan, you know, pick her brains of how she did it because you know, she did really well in the short space of time as well.

So we have got the skills there to help you in any aspect of business, not just the finance side.

Yeah.

And I think we are well suited as well because we specialize within, within the, the pet industry.

We're seeing trends before a lot of other accountants.

So for argument's sake, at this very moment in time, there's a lot of dog groomers out there that are struggling to get new sales on board and we're starting to see a slight shift in terms of rebooks and how busy people are and they try and they're finding that they have gaps in their diaries.

So even with existing clients and non clients, because of the group that we've got and the groups that we're members of, we're starting to see this trickle through.

Now.

Another accountant that doesn't have their fingers within this industry and isn't seeing this, isn't going to know that.

So they'll only start to see that when you start to give them figures at the end of the year.

So what we're able to do is have conversations like we're having on the live today and say, right, what can you do differently tomorrow or what can you do differently today?

That is going to start to change that for you.

Because if you don't react to the market, nothing is going to change and you're going to get quieter and quieter.

Before I forget, someone put on another group, I think it was yesterday about their accountant only put through £260 for use of home for a dog groomer, which I'm assuming is home based by the comments.

I could be wrong, but it was home based.

Yeah, it was another room dedicated.

That just goes to show that a non like a generic accountant.

I'm not saying that that accountant isn't good but may not necessarily understand what you guys do on a daily basis because we understand that, you know the flat rate of 312 pounds, it wasn't even 312 pounds.

They didn't even put that through and that's mind boggling of why they didn't pick a higher figure.

We know that, you know, you guys use a lot of electricity, water, etc and that's why we came up with our own utilities calculator which is the closest you're going to get to it being perfect and be relative to what you guys do.

And we've even adapted that in the last couple of months.

Yeah, we've changed it slightly because of the feedback.

Yeah, yeah.

We are going to be getting the updated one out for sale as well.

And that's purely.

It affects the majority of people that has a dedicated room within the house as a, as a home groomer.

So it's, it's fine if you're doing other things like you know, dog walking or home boarding, but where there's a dedicated space.

Yeah, like a wet pet pod in the garden.

Yeah, building then it's even better and will clean a lot more than what a generic accountant would because probably loads of reasons.

You just don't know what it is that you do.

They can't be asked, they don't care.

They're just like screw it.

Flat rate 312 pound.

Which we know is not enough.

So the utilities calculate as a one off purchase that you can have and it will give you a figure to put in your tax return and that's as closest as you're going to get.

You know with HMRC it's never going to be 100 because it just can't be.

Yeah, there's so many different jobs out there, it just cannot be.

But it's as close to 100 as you're ever going to get.

And that's another reason is if by.

Using one of these calculators you're able to prove mathematically why you're claiming that amount of money, and that's the key thing with HMRC is they want you to demonstrate of how you arrived at the figure.

They don't necessarily care what the figure is, just as long as you can justify it.

And that's what this calculator does, is it gives you the justification of why you've claimed what you've claimed.

And it's cheap and it's an allowable expense.

So it's a no brainer in my eyes.

If I was in you guys's position, I'm not just saying it because we created, it's not expensive, I would get it because it will save you a lot of money.

It will just without a doubt it will.

And you don't need that if we, your accountants, because we already use that.

Money if you are a client of ours, because we use it, as a matter of fact anyway, so please don't go on.

But unless you really want to do it throughout the year and for your own satisfaction, then fair enough.

But don't get it if you think, oh, I'm not going to have to get this to get them to use it, because we already use it.

Yeah, we have designed another calculator which you can get if you are a client of ours.

And that calculator is, it's ideal to tell you basically, if you input what you want to earn each year with your estimated costs and then you fill it in on a month by month basis of what actually you generated in sales and what actually your expenses was.

And it tells you how much you need to charge per hour, how much on average you need to charge per dog, what your tax liability is most likely going to be at the end of the tax year, and how much you should be saving every single month to make sure you've got enough for that tax.

It also shows you your cash flow, your incomings and outgoings to make sure that you're not spending more than what you're actually bringing in.

Now that from a perspective.

So if you are looking to raise your prices and the calculator has actually been designed for dog walkers, dog groomers and dog trainers, it does all three trades and you can tell it how many days a week you work on average, how many dogs that you see in a day and how many holidays that you want to take in the year as well, and it calculates all of those figures and then comes back and says, great news, in order for you to make £60,000 as your earnings, as your wages, you need to charge X amount on average per dog, which is equivalent to X amount per hour that you're grooming for.

And with that, what that allows our clients to do is to physically say, right, I don't feel like I'm earning enough money and I'm not.

I haven't got enough money at the end of the month to pay my bills.

I don't know where I'm going wrong.

This is to benchmark where you should be charging and then you know what you can change your prices to so that you can start commanding more money for the services that you offer and charging your worth.

Everybody starts out in business thinking, oh my God, how am I going to get clients?

Where do I start?

And nine times out of the 10 out of 10, the first thing you will do is offer low prices to try and gain clients from other groomers, other walkers, other boarders, just because if you're cheaper, people will come to you.

The problem that you then have is you have these people with you for so long that you then struggle to start raising those prices up so that they're paying you what you're, what you're worth.

And as national wages goes up and the cost of living bites and, you know, electricity becomes more expensive and a loaf of bread is more expensive, how do you then change your prices and go to those people and say, look, I'm really sorry, but I've got to put up such a large price increase to bring you in line with where I should have actually been charging to start with.

Now what you could do is you could offer like an introductory discount where you'll say, right, for your first three grooms, we're going to do it at X, which could be cheaper than your competitors.

Now that allows you to automatically put the price up three months down the line.

So you, you're gaining the clients, you're gaining, you know, the, the commitment, you're being able to demonstrate the skills so that person's going to be happy with you.

You're building rapport with your client.

And remember, people buy from people.

It doesn't matter what service that you offer, if you get to engage with that person, people will buy from people.

So by building that rapport with that client, you can then keep a lifelong customer with yourself.

There will be clients out there that are only price focused and they will jump around.

And we have it within the industry as well.

Somebody might come to us and they've had a new accountant every single year since they started trading.

It's because they're chasing the money.

Yeah, that's absolutely Fine.

You know, but they're not the type of client that we want to work with because we're in it for the long run.

You know, we want to help that business grow, we want to see it flourish.

And realistically, if you're only with us a year, and we're only seeing you once a year for your self assessment, that doesn't give us the ability to review your figures and look at comparatives and say, right, okay, what did we do differently from last year to this year?

Because every year as a business, you should be looking at yourself in a third person perspective and taking a step back and going, right, what did I do right this year?

What did I do wrong?

What do I want to change and what do I want to achieve and how am I going to do it?

By asking yourself those questions, you can start to put a little plan together of how you're going to develop and grow your business.

This, this coming 12 months.

And this isn't something that we say to clients that they should put off because there could be highlighted things within their business that they didn't realize that they were doing or that they weren't doing.

So a lot of times we asked the client, right, when was the last time that you put your prices up?

And some people might come back to us and say, I haven't done that since I started.

Oh, it was over 12 months ago.

At least over 12 months ago.

Yeah.

And I think I had a conversation with a client about it the other day and I said, oh, you know, should all my books have been full for 12 months?

As a woman's asking me putting prices up?

Or a while ago, I said, well, there you go, so you need to keep doing it.

And I think it's just the scare factor of having to put them up and thinking, oh my God, all my clients are going to leave, which they won't do.

The ones that value what you do, whether it's accountancy, dog grooming, dog training, dog walking, they will stay with you if they value it.

If they don't, then they'll go, in which case you don't want them anyway.

Yeah.

And listen, it's not always about putting your prices up.

There are other things that can affect that as well.

So you might have a ceiling limit within your area, and if you're the most expensive within the area, then putting the prices up may not necessarily be an option.

Or if you need to put them up by a certain amount, you may not be able to put them up as far as you want to.

Now the reason that we're talking about prices today is because in April it is and it is and I'm going to come back on to it.

But in, in April, if you've got employees, the national minimum wage increases for employee rates and it is a bloody big increase on what it currently is.

Not only that, employers, national insurance is also going to go up in April so you could be affected by that as well.

It's in the news an awful lot about how, how the economy is in turmoil, how it's uncertainty and at the moment the Labour government is sticking to their guns and saying we, we're not going to change anything.

What we've, we've committed to within the budget which, which unfortunately penalizes businesses with employees.

There's no getting around from that.

But if that's the case, if you've got employees, now is the time that you should be looking at your prices and what you need to change them to, to minimize the impact that April is going to have on your profits.

Because if you do nothing, you personally are going to earn less in that tax year because you haven't changed your prices in line with what the government is now going to make you pay.

The employ plus the employer's national insurance on top.

So now is the good time to start looking at it, start deciding where you want to be, how much you need to raise them by and then start making those contact with those clients to let them know about the new prices that are going out so they've got a little bit of time.

So it's not so much of a shock when we get there now because it is in the news.

It's much easier to have that conversation and explain the reasoning behind the price increase and it will be received a little bit more warmly than if it was just a random time of the year for argument's sake.

And you know, as an accountancy firm, we're going to put together like little, little snippets that you can put onto emails or written things that you can send out to clients to make it easier.

Because if you find it hard to word a price increase then it can be very, very daunting for you to have those conversations or, or, or how you tell those clients that the price is going to go up in a, in a, in a, well, constructive, positive manner.

And I say positive because if you start the price increase with I'm so sorry, I didn't want to, I had no choice, but now I have to unfortunately charge, it sounds awful and it's negative from the client's perspective as well.

But if you, if you reword that slightly, you know, due to our growth and the fact that we are investing in our apprentices and we've got new employees that we're supporting, our commitment to providing them with a decent wage means that we do unfortunately have to increase our prices from April.

But this means that we can continue to deliver the exceptional service that you are clients on.

The dogs are used to receiving.

And what we wouldn't want is for the impact of the budget to degrade that service.

So from April, our prices are going to be X.

We look forward to.

That's pound five if you want that.

Yeah, Intellectual property.

Everyone's going to be like pausing and going, right, what else did you say?

Hang on, play.

You see, there's, there are clever ways of putting a positive spin onto what you could perceive as a negative.

And it, you know, the clients will be receptive to it, but be positive and because it is how you deliver it.

And Kimmy, we're gonna be having words.

I'm just saying after that comment that you've put in there, me and you shall be having words.

Three bloody years.

Three years.

Wow.

To have words.

Which we will have words in February, but we will.

But yeah, that, you know, that whole thing that we've just Talked about last 10, 15 minutes is another reason why we differ to the other accountants is because we make things that make your lives better.

Like the calculator, like the tax calculator are specific to you guys.

What else is on there?

There's like spreadsheets, there's bookings.

It is on there to help you and give you a tool to.

If you're doing it yourself.

So, yes, you are in the doghouse, Kimmy.

I'm coming for you the 1st of February.

But yeah, so that is another way where we differ.

And you know, in general, if you're going to get an accountant, just please, very briefly do due diligence because there are some absolute morons out there.

There are people that charge you a fortune, people that do it wrong.

They were unlicensed.

And yeah, just please, please check who you are.

Even if you do have an accountant or somebody that you believe is qualified, if you're reading from other sources.

Because if I go back to the clothing scenario that we picked up last week, a quick Google will show you accountants out there telling you that general clothing is not an allowable expense.

And I'm not talking one or two.

There's reams and reams and reams of pages all saying the Same thing.

Even free agent has it on their own website when you look at sole trader expenses.

So if all of these accountants and all of these websites are saying no, what makes your accountant different?

If they're saying yes.

So, and those are things that you should be querying.

You're saying is, well, what makes you so different?

Why are you able to override HMRC's guidance and why do you believe that it is allowed if all of these people are saying that it's not?

And it's one of those things is that, you know, we don't mind being challenged and sometimes challenging us forces us to do our own CPD as well, to look into things, to find out whether or not things are allowable.

And like I said, I don't all the time.

20 pence for a bike mile.

So, you know, that's it's important, you know, because it, it's.

Ignorance isn't a defense when it comes to hmrc.

And neither is he said, she said.

So you've got to make sure that when you sign off your accounts, which brings me nicely onto our next bit, you understand what you're looking at and what it is that you're signing.

Willy nilly, we get it with our bunny clients and I have to say, you couldn't have possibly read it in that amount of time.

So please just, you know, read what you sign in and question the accountant.

You know, we welcome our clients question and what we've done because it means that they're actually reading it rather than just signing it.

So please, please, please do your checks, make sure they're legit, make sure that you can communicate with them and just, yeah, just do.

And make sure you're not getting ripped off either because there's people out there that could get in charge of Fortune for not a lot.

We, when we first started, when we merged a couple of years ago, we weren't doing half as much of the stuff we are doing now.

And that's from client feedback and, you know, not people not understanding really what the accounts are.

So we've done a couple of things which my glamorous assistant has already pulled up.

And one of them is to basically explain what the accounts are, which is always handy because I always get the question of I don't know what this document is because it's just a page full of numbers.

So Lee has put together this lovely little pamphlet, this is his contents page.

And if you listen to the podcast, you'll have to go on the group to have a look because obviously we can't show you it, but yeah, basically page and introduction page.

Yeah.

And this gets included now going, I only finished it yesterday.

So, I mean, this is hot off the press.

This now gets included with every sole trader accounts.

And it's basically after your account, you scroll down and you'll have all of this in there.

So a little bit of an introduction, but then understanding your accounts.

What are the figures saying and what are you looking at?

So it breaks it down into what the figures are and explains last year's and this year's, what your gross profit is.

What.

What is gross profit?

What your net profit is.

It explains about depreciation and why it's not really an expense and it gets added back in for tax purposes, but it allows you to run through your set of accounts in your own time and fully understand what the figures are and how they add up and take away from each other.

But it then also gives you empowerment to be able to come to us and confidently ask questions.

If there's something in there that you don't understand or a figure is higher than you expected or lower than you expected, then you can come to us and say, what is this?

Where did it come from?

You know, I thought I spent more on petrol.

Could you explain why?

You know, so that's in there.

And then we've.

We've even told you how to pay.

Tax when the tax is due, which is a biggie.

Yeah.

Payments on account.

We also explain about what bank accounts to use for hmrc and unfortunately we.

We do send you reminders, which we.

May adapt for next year because I feel like the system sent out about 55,000 payment reminders.

Yeah.

Which then got 55,000 replies.

So maybe we'll just send you one or two rather than six.

I think the problem is in January, it's set to send them at like, 21 days, 14 days, 7 days on the day.

So we might change the frequency that we send those because, you know, some people get annoyed by them, some people are thankful that we know.

I'm sorry.

So.

And then we've got a little FAQ section as well.

So, you know, what if you can't pay it on time, how do I reduce my tax bill?

Will you send me reminders?

You know, do you offer a monthly bookkeeping service?

When do I register for vat?

So there's little things in there that if, you know, by reading it will.

Will inform you going forward so that you're not on your own.

And it, you know, you read it in your own time and Then you've, you've got everything there that you need to understand your accounts, basically.

And then even better, we can even better that, right, I got trained, I'll stall whilst you get these documents.

So, you know, these things we do are to help you guys and like I said from feedback from clients, this one I think is the best.

And we, we always have a copy of Crufts as well.

So if you are coming to crafts and you want to have a look at the things that we do include, we will print them off so you can have a read, so that you can see in person.

But this is the best.

So this is my accounts for Turtle Paws.

Turtle Paws is fictitious, we've made up the figures, so it's any other business in the uk, we think.

But basically you will get this with your self assessment again.

And it basically breaks down the self assessment and the accounts into graphs and charts and, and more easily digestible numbers so that you guys can look at that and see, you know, it obviously compares to the year prior and see if you got up or down, if you're in the right direction, how much profit you earn per pound.

And it just makes it more digestible, basically, because again, the feedback we're getting is, you know, we don't really understand the accounts of the tax return, like, what's my business doing?

So Lee and his geniusness came up with this performance pack.

So you will get this if you're a self assessment client and you also get it every three months if you are a bookkeeping client, which is very useful because obviously the self assessment you're only going to see after the year is finished and there's nothing really much you can do about it.

But the bookkeeping clients get it every three months.

So if they need to make any changes within that tax year, they can do, because this performance part will tell them whether they're heading in the right direction or not.

So if they're not, they can change it during the year.

And the thing is, this breaks it down into its most simplest form.

So if you take nothing else from all of the charts and all of the graphs and all of the percentages, you can look and see how much per pound you are physically making.

And as long as that's increasing year on year or month on month, then you are heading in the right direction.

And it doesn't matter whether your sales are down because you can control your costs.

So if you're bringing your costs down but your sales are remaining constant, it means that you will earn more per pound.

So this is a great opportunity for you to review how much in that pound you're making.

And then you'll know that every time that you, you charge out a dog at 10 pound or 20 pound pounds, how much of that is physically going to be profit that's in your back pocket at the end of every groom or walk or board or training session.

So you now know exactly how much your business is costing you to run.

And if you charge out 30 quid and you're earning 52 pence in the pounds, you do 30 times the 0.52.

So on a 30 pound dog walk or dog groom, if this was your figures, you're making £15, 60 as profit from that £30.

And that one metric alone allows you to work that out.

So it's a great way for you to stay on top of your figures.

Know when you need to raise prices because if that profit per pound is going down, not up, you have a problem.

And that's where your, your sales could be decreasing, your expenses could be increasing the price of your, your expenses could be going up and you need to follow suit by a change of price or increase capacity by getting another member of staff and allowing more dogs, you know, on the walks, on the, on the grooms or the home boards slightly more expensive when, when capacity in a set area is the limiting factor because the only thing that you can really change at that stage is your prices.

So it's really about understanding what your limiting factors as a business are and how you overcome those.

And if you can't overcome those, how you have change your prices and your buying habits to make sure that you maximize your profit per pound.

And this is where an accountant comes in.

Not just any accountant.

The pet accountant.

Yes, there's not many.

And you know, obviously we speak to a lot of accountants.

When we went to the award show last year, we spoke to accountants there and they don't do.

And then sometimes we sit and think, think, do we do too much for free?

Probably, you know, the group, all of these add ons, you know, all of these things that we make is to help you guys.

Yes, obviously it's a bonus that we make money because we have to sell them, but it also helps you guys out and you know, the more that you tell us, the more feedback that you give us, then we can make these things like the utilities calculator, the tax calculator, you know, all of the other bits and bobs of grooming, or the record keeping packs, I should say, that'll be coming out Very soon they're in print.

Seven days and we shall have them.

125 of them.

And once they're gone, they are gone.

So.

And they flew out last year.

So.

Yes.

And that again was based on feedback from you guys, from the group of people who said, you know what, I like to write things down.

And that's fine.

I can give us a sneak preview of those.

Oh, God, he's on one today.

You'll need to pan for time.

I'm gonna do a competition and this is very impromptu and he's gonna worry.

Now, what on earth is she gonna say?

Last year, one of our lovely darling clients was wearing a T shirt that said, hashtag, don't need an accountant.

Because of a joke we made.

One of the lives, hashtag, you do need one.

I will give a free record keeping pack to anyone that turns up.

Two cruffs that would potentially beat that T shirt.

Now, it could be a T shirt.

It could be what could be any garment, preferably not your undergarments.

I don't want those.

But anything, a mug, anything that would be hashtag, don't need an accountant.

And I will if we.

If it meets our hilarity standards like that T shirt did.

I actually took the T shirt off him.

Luckily he had one underneath.

I have got it somewhere, actually.

I'm going to frame it.

But yes, I will give you mud.

That clients will come to craft have their clothes ripped off them by this.

I think it is.

Look, just so you know, I'm not telling fibs.

Is this it?

I'll just check before I look.

Can you see it?

Hashtag, don't need an accountant.

This was on his back and I took it off.

So if anyone can beat that, I will give you a free record keeping pack of Crufts.

So there you go, headed here.

And you'll only know if you listen to the live or the podcast.

So you've got a fair chance of winning if you do it.

Yeah, or I'll end up with like 50,000t shirts.

That's.

That's your.

Your mission is to beat Hashtag, don't need an accountant.

So the record keeping pack, so it goes through pretty much anything and everything.

It talks a little bit about who we are.

It tells you about the pricing and tax calculator that we spoke about a little bit earlier today with the links.

The other type of things that, that you can have, as well as our podcast.

You can see there that we are going to be offering a discount on those very shortly.

That we're going to get live that will be part and so you can get 30 off the digital products before the 31st, sorry, the 30th of April.

It tells you about what the services that we can do about sole trader expenses and the types of things that you can claim.

It then goes through the categories of what things should be put under as and there's quite a few pages of those.

This year has a mileage logging included.

So you should know what you need to be claiming for miles and how to keep that recorded.

It goes through if you're buying assets or if you're buying loans and finance agreements for the assets.

So that we've got the details, it looks at what you're looking to do within the year and what you're looking to get out of it.

And record how many dog grooms walks or boards or training sessions that you've had.

And then it goes into recording income and expenses for the different sales from the different elements of whether it's cash, bank transfer, card machines.

And this year we have put the books that we, that we provided or produced all into one book rather than having different books for different services.

And then if we got the expenses, it allows you to record all of your monthly expenses month by month for all 12 months.

And then we can add everything up annually to see how you've done on the income for the months, whether or not you've got any other income, whether there's any savings, interest, whether there's any employment income as well to consider.

Then you do the same for all of your expenses on a month by month basis.

So you can add it all up and work out how much you're spending on a, on a monthly basis.

Then you've got the use of home side and if you don't know what figure to use again, you've got our new use of home calculators there as well.

So that's going to be a little bit of a sneak preview of, of how we're updating the one that's going to be sold very shortly on the website.

Then you've got a stock take, you know, so for those of you that sell things, this is how you record it and this is how you calculate what the stock is worth.

So it tells you how you value the stock and then it tells you how to work out some of the key metrics of your accounts by what you add to what or what you take away from what so that you can see how well that you've done.

And then it asks whether or not you met your goals for the year and you know if you didn't, what you're going to do differently next year to be able to do those again.

And then we've got areas here where you'll keep all of your receipts and your bank statements in the year so that everything is all in one nice neat little pack ready for your accountant or ready for when you do your own tax return.

And if you do have another accountant, which I don't know why you would, but if you did, you can still use this and give this to him or her.

For is your.

How you keep your record so you don't have to just buy.

If you use us, you can, if you do it yourself, have one.

Even if you've got another accountant and you want to use it, you can use it and send it to them and they'll probably thank you because it will give them everything that they need within that one booklet.

So you will be able to get those from Crofts and also online.

So once it's live, we will obviously let you know in the group and on the page and you can just get it direct from the website and.

We will post it.

Yeah.

So yes.

So basically, if you want an accountant, please choose us.

I know everyone's gonna be like, oh, I bet you cost a fortune.

We don't idle.

No, we don't.

We do.

We do a lot of research obviously.

Like I say, we speak to a lot of other accountants and I wouldn't say we're the cheapest by far.

We're not the most expensive.

I would say we're probably slap bang in the middle.

I think we're the bang in the middle.

I mean for a sole trader with our dex.

Our dexed bookkeeping software.

So our record keeping software with Dext is just 32 pound plus that a month.

I mean it it's.

Or if you have your own software, like free, it's only 27.

Yes.

So literally your self assessment, if you've got your own software 27, if you want our brilliant software 32 so it's not gonna break the bank and we've just shown you everything that you get for that 27, 32 pound a month, all of the packs, the performance packs, the help for the accounts, the use of home, because we do that for you anyway, we can help you with how much tax, all that sort of stuff.

So we.

You do get a lot.

And if, if you are signed up to us as a client, you also get us as well.

We're not just, just there to do your self assessment at the year end and speak to you once a year.

We are on speed dial so if you've got a question whether it's relating to your business, whether it's relating to a purchase, whether or not you just want to check in if there's anything that you should be doing differently then pick up the phone.

We are there for advice and we, you know there's, there's a whole team here that can answer the questions and.

And the admin team are very knowledgeable about to the basics of, of the tax system and taxes and stuff.

So even if you don't get hold of us, Tegan, Emily, Nicola can answer the questions for you.

Anyway, we're not the sort of firm that is going to just p you off.

We might do at this time of year because we're busy doing tax returns but we'll always get back to you if we can't answer the phone there and then January is probably the only time where you might be slightly delayed so sorry, I just saw the.

Can I still get it.

So the bookkeeping is slightly different so we do have different packages.

So the self assessment like I said starts from 27.

If you've got your own software 32 if you want decs, if you want our bookkeeping packages, our all in one packages or our plans then they are slightly different and obviously more expensive because they include the software, unlimited bookkeeping, check.

In calls, all sorts, the quarterly updates.

As well, they basically do everything.

So they are more expensive and they are tailored to you, the individual depending on a number of factors but one of them being your turnover.

So that someone earn 300 grand is going to pay more than someone that's earning 40 grand to make it fair.

And that's because the amount of work that's involved from the bookkeeping perspective, your number of transactions is going to be much higher.

You may have more bank accounts, you're going to be VAT registered so there's an awful lot more built into that and what I would say is that there's a different level of service when it comes to our all in one packages.

So somebody for argument's sake that is paying the pound 32amonth with our deck subscription that is for that person, we can help them walk them through connecting Dext to their bank account and we'll help them get that set up on their phone but that person is responsible for taking their own photos, matching the transactions index and categorizing the transactions to say, you know that order from.

I wouldn't say Millie's cookies then is, is you know, shampoo.

So therefore it's going to be grooming supplies.

They categorize all of that in, in the app for us so that when we do the tax return at the year end we log into the software, we can see everything's been done, we do a quick check of it.

There's, there's up to an hour of bookkeeping in the self assessment fee.

That's for us to correct any minor errors that's happened to have a look at where things have been put so that we can correct those bits and pieces.

And that's pretty much where that stops.

You do get, like Vicki said, you do get the explanation of how to understand your accounts and you do get the, the self assessment comparing one year against the other.

But that's once a year on our all in one unlimited packages.

You get a dedicated bookkeeper, you get unlimited queries, you get unlimited bookkeeping.

You have Xero accounting software which if you went to Xero directly, £33amonth plus that on its own you have Hubdoc included as well, which is the receipt capture app.

You get a quarterly performance pack which is similar to the soldiered one but more detailed and it breaks down the last three months that you've done not year on year.

So it's much more in depth.

You have the ability to book in for 20 minute dropping calls with one of the team to discuss any aspect of your business.

You have somebody that's going to watch your VAT turnover month on month.

Just make sure that you haven't exceeded the VAT threshold, give you an early warning system if you're near it is.

Worth its weight and gold.

The amount of people come to us and say oh I might have hit it.

And then they hit it like six months ago.

Yeah.

So you know, and sometimes we might get angry people that go, well how did you not know?

Well if we only see your figures once a year after the tax year has ended, how are we going to know?

How are we going to know?

So that's a benefit of having bookkeeping is that we will know when that's going to happen.

Whereas with the self assessment we physically can't.

Yeah.

And we know in, in 12 months time this making tax digital is coming in.

That's another life.

That's not good.

It is another.

But the reason I've mentioned that right now is that we get a lot of people coming to us at the moment.

That's, that's on paper based records or spreadsheet.

Based records.

And we're saying, look, coming into the next tax year, when we're 25, 26, we want to see clients going on to at least the DECCS software because we need to get those people ready for the following year when they're going to have to do four quarterly submissions of their income, of their expenses.

And if you're not at that stage where we can do that, you're going to have a set time frame in order for that submission to be sent through to hmrc.

And whilst they haven't officially launched any penalties and an interest of things that are going to be involved in those yet, you can bet your bottom dollar that if you miss the submission deadline there is going to be a penalty.

So in order for us to be able to submit those on time, if you are part of that deck software, the sooner we can have, you know, next year, we've got time to spend with yourself, to walk you through it if you've got difficulties, certainly if you're a apprehensive about moving on to that software.

Now Dexter's been designed to be used on a mobile phone.

Free Agent and Xero does have mobile phone apps but they're not designed to be used directly from a mobile, they're computer based or iPad based softwares that you need a bigger screen for.

And Free Agent just does not handle multiple bank accounts very well at all.

Certainly when you're transferring from one to the other.

That's my first check whenever I go on free agents.

How many bank accounts got?

There's like five my.

Oh no.

Yeah.

And we know the Software's on, on 100% and they probably will adapt them the sooner we get to make textual.

But Dext is ideal for a sole trader with, you know, simple accounting terms.

And literally you get, you connected to your bank, you can take photographs of receipts if you want to and attach them to the transaction or you just click the transaction on the phone and say right, that was rent, that was personal, that was grooming supplies and that is literally all that we're asking you to do on the software so that we can do your self assessment at the year end.

It is so much easier than a spreadsheet because you're not having to go through your bank account and type every single transaction how much it was, what it was that you purchased.

Because again we need that information from there.

Now remember Dext, you can, you can photograph.

So it's done.

Now people are going to say well hang on, I can do that in Free agent.

Free agent are now charging you to take photographs on the app and attach them to the bank transactions.

I think you're allowed to do five and then it charges you.

So actually when you think a fiver for decks a month because like I said, 27 pounds if you're already on software, 32 pound a month and we give you decks as well, so we're only charging you £5 for that software.

It's fantastic, really easy to use.

And our sign up to that so far has been really positive.

Which is why when Tegan's having the conversations with clients now about moving on to Dext, there is a bigger push to say, look, let's get you off of the paperwork, let's get you off of the software, the.

Sorry, the, the spreadsheets and let's move you onto this because you're going to be part of making Tax Digital the year after.

And it's not optional.

There's certain bands of income that are coming into play earlier than others.

But once you're in that band and remember, unless you're keeping an eye on your turnover in the year, how do you know which band you're in or whether you've gone into the band that you must, then I think it's going to be your income.

We will do a live early adopters.

And we're trying to get people signed up.

We will do a live on making Tax Digital at some point this year because it is going to start probably being in more topics of conversation the sooner we get.

Yeah, we will do a live probably on the different softwares available because we know that it can get confusing.

You know, there are benefits to all the softwares Helen's put about.

We've talked about again, free agent.

So the reason why.

And again this is all individual.

There are, there are three softwares that we use.

Dext Free Agent 0 Dext is for people that are sole traders who want Billy Basic.

Okay.

All they want to do is categorize the transactions and get the self assessment done.

They don't want profit loss reports, they don't check anything.

They don't want any of the fancy stuff.

It's just give me the basic.

Basic.

Basic.

Yeah.

I don't want to.

I don't care about my figures.

I just want to categorize it, give it to you.

You do my self assessment Bosh.

That is for you.

Free agent.

If is if you want something a bit more in depth.

So you want profit and loss report, you want to look at your balance sheet, you want to look at your cash Flow.

And if you're a growing business, you.

Should and if you're a growing business, you will want stuff like that.

So that's where we would say free agent is best because it's more user.

Friendly and it's free with a metal bank account.

Metal bank account.

And it does what it is that you need and it gives you all.

Of those reports using the mobile app when it charges.

The mobile app Zero is aimed at accountants.

It's a lot more in depth, it's a lot more technical.

So if anyone came to us and said, I want to use my own software but I want a bit more in depth because I want to grow a business, then we would point you to free agent.

If you came and said, you know, I've got 500 grand turnover, I don't want to do the bookkeeping myself.

Multiple bank accounts, we would say we'll.

Do it and we'll use Zero.

If you come to us and say I'm not growing my business, I don't really care about the figures, I just want something that's compliant and I want you to do.

And I'll just tick all the boxes, then Dex is the one for you.

So it is going to be depending on what business you have, whether you're growing it.

You know, there's so many factors.

So we will, we will tailor the software to you guys.

It's not going to be like a one size fits all sort of joby.

So we will explain that to you.

And again, some other accountants might just use one software like Shipbooks.

Shipbooks and that's it.

And it's the best.

At least we give you an option and it's going to be dependent on what you tell us whether we say Dex, Free Agent or Zero.

And like Lee said, if you want decks, it's only an extra five for a month.

If you've got your own free agent, free with metal, then it's only 27 pound, there's no extra to pay and I don't.

Yeah, and Zero would be in the currency package.

So that's just a clear.

Any.

Anybody that is on our all in one packages automatically gets the best Xero software out there with the Hub Doc, because that works for us and it works for the client as well.

So hubdoc is really simple to use.

And the only things that we ask for the all in one package clients is connect your bank accounts for us.

We'll ask for an updated bank statement every quarter.

So we can just double check that the software matches your bank statements that Something hasn't dropped in the period.

And we'll ask them to take a photograph of any receipt that they physically have or send a receipt via an email address.

And as long as they forwarded all of the receipts for us, we take care of everything else.

And then you regularly get all of your updates, your bookkeeper's in touch constantly.

If you're VAT registered.

We've got a brilliant system that we upload your VAT return, you check it off, sign it digitally like you do with your self assessment and then we file it with HMRC to make sure that you don't get any late filings.

So, you know, we've, we, we've, we.

Yeah, I think the thing with us and the thing that I'm really pleased with is that I'm, I'm only retentive when it comes to processes and the reason that it helps me is because it gives me structure to my day.

So the processes that we have in this accountancy firm when we've had other members of staff come from other accountants and join the team, their feedback is that our working processes are so much better than where they've come from.

Everything is self explanatory and the process is easy to follow and we roll that out with the clients as well, so that for instance, on the onboarding side, Emily and Nicola will follow a chart that says, right on day one, the client gets this, two days later the client gets that.

And we've tried to make sure that that is as easy for the team to follow so that every single client gets the same information and that we haven't missed something along the way.

And that is the way that we treat your accounts and your bookkeeping as well.

You've seen the amount of spreadsheets that we have.

It is unbelievable.

Yeah, and it's so that we don't miss anything.

We're not late with your, you know, your limited company accounts, we're not late with your self assessments, which is why you've had so many reminders that we need to do them from us.

You know, when it comes to the VAT returns, we email you the VAT return, we email you reminders that you need to sign the VAT return, but then we also tell you when the VAT is due and how you pay it.

And we will constantly remind you about that until the date has passed so that you can't forget that it needs done.

And you've got that friendly reminder that we are here looking out for your best interests.

And as long as you get it signed or get it paid by the deadline date that we keep on reminding you about, you're not going to fall either.

So you kind of get me on your back constantly going, you need to sign it.

We need, we need to get it filed.

Not Helen K, Helen Norton bloody sign it.

I sit there night rocking, thinking, oh, that client hasn't signed it and it's due tomorrow.

We need to change them.

Just to give another bit of context.

Me and Tegan were looking, stalking this other accountant on Instagram the other day.

She doesn't, she's not in the pet industry but she's very popular on Instagram and we were looking at a website and what she charges.

She charges her own clients a hundred pound plus fat for a check in call.

Bloody hell.

Yep, we give them for free.

Yeah, but yeah, she charged and I had to double look, and I thought, no, is that just like a consultancy call?

Because that would make sense.

And we looked into it as know her, her own clients, if they want to have a chat to her about something, have to pay an additional 100 pound plus VAT.

That's mad.

I know.

And we do all of this for free.

Yeah, I was on that, that really knowledgeable platform Tick Tock the other day and there was somebody on there talking about their accountancy fees and their self assessment for a sole trader was £350 plus VAT.

So that's more than what we charge.

They probably don't give half as much anyway.

But just to recap, because we have.

Waffled on, I've gone over a bit.

Is number one, we are the best accountants out there.

Number two, we give a lot away for free.

Number three, you can buy lots of stuff in our store that will help you and you can join us for as little as 27 pound plus bat.

So just to recap that, because I know it's important, 27 pound plus VAT per month for self assessment with your own software, 32 pound a month plus VAT if you want.

Dext, which is the deck solo plan is basically your self assessment with DEC software just so there's no confusion.

And then the all in one package does what it says on the tin and includes everything, your bookkeeping, your software, your self assessments, your performance pack, your catch up calls and that is from 97 pound plus a month depending on a couple of things, but mostly you turn over.

So if you sign up at the moment we're giving you 30 off the next three months as well.

So there is offers on the all in one packages.

If you sign up at the moment, that's 30 discount on top of the 97 pounds.

So reach out to Tegan, call the.

Number that these about to put on email Tegan, which I think I wasn't prepared, which is just vegan.co.uk give us a call and we will get you sorted.

So I just don't want people to think, oh, you know, they do all that, they must be really expensive as every company, you know, probably in April we will have to increase some prices.

We are trying our best to keep things as low as we possibly can.

We don't want to have to keep increasing everything.

Yeah, name of the time, once we finalize everything, we'll have another life on that.

And again we'll do a live on software and we'll do a live on making tax digital.

So don't panic, go through that into more detail.

But if we started we'd be here for another three hours and we've got work to do so we can't.

But yes, any questions, let us know.

We might get our own tick tock soon, you never know, you might see our faces.

We do need to get on there.

I do, very, very quickly.

Obviously, I know I mentioned it last week, but the filing deadline for self assessments is the 31st of this month.

If you don't file the self assessment on time, there is an automatic £100 late filing penalty by HMRC.

And if you don't pay the tax that's owed, they do charge interest as well on the, on the money that has been owed to them.

So just if you are struggling, reach out to us.

Tegan is very, very busy on calls at the moment, so please just bear with us, we'll try and see you as quickly as we can.

But, but basically the way it works, just not to waste anybody's time, that if you want to come on board with us, we will set you up on either the 27 pounds a month or the 32 pounds a month, depending on which package it is that you want to go on.

That's charged from the month that you join us because that's.

We're now in the 24, 25 tax year.

We are looking at doing your 2324 tax return that needs to be filed.

So we're working a year behind, so you would have to pay for that one as a lump, lump sum, just because that's done and dusted.

But we're looking in this tax year, you've got three months of it left, so you'll pay three months towards this year's and then from April you'll be paying for the 25, 26 tax year.

So once that year's over, there's no more lump sum payments because you've already paid monthly for it.

So sign up as quickly as you can, start chipping away at the next tax bill, or rather your accountancy bill, and we'll take care of your self assessments going forward.

Welcome you on board with open arms as a client and then like Vicky said, there's no additional cost to pick up the phone and ask us questions.

You are then a client of ours and we will help you as much as we can going forward.

We're in Hall 1, basically near the entrance stand 58 and we will be armed with Prosecco.

Yeah, if not sock.

We're trying to get socks but they've been very rubbish.

We.

I need you to contact Dex to see if we can get some stuff off decks.

Yeah, I know they do socks.

Yeah.

But we.

I've got a bit of a theme going where clients come to the stand just to get socks.

So I'm going to try my best to get some sort of sock.

Maybe we could do pet count socks.

But yes, we will be back next week.

I don't know because we're getting closer and closer to that filing deadline, so.

Potentially not, but we'll try.

We'll let you know if we are back next week.

Come back next week.

Maybe we'll do something on making tactical or software.

But yes, any questions?

Use the group if you need.

Just give us a ring.

Otherwise yes, stay safe, makes lot men.

Make lots of money.

And go and review your prices.

Yes, and go over your prices, please.

Thermal socks, yes, if only they were allowable.

Oh, are they?

Or put your logo on.

I'm not going to go down that rabbit hole.

But yes, we'll see you next week and we look forward to chatting to everyone this week.

Get your tax return done.

Helen, we look forward to chatting to you.

I say just pick up the phone if needed, otherwise we will see you next week.

Take care.

Bye bye.

Thanks for listening.

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