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Momentum360

Helping ambitious business owners grow with meaningful financials they can make big decisions with.

Bookkeeping and MTD for sole traders, landlords and Limited Companies, done for you or learnt yourself. Any of these sound familiar?

“I want to grow my business, but I am too busy dealing with the day-to-day work.”

"I could really take on my first staff member, but the prospect of having to be the HR, Payroll and IT department feels extremely daunting."

“I need help with different aspects of my business but finding the best service providers will be such a hassle.”

“I need a new website, but I don’t even know what I should be putting on it.”

“I want a business that is bigger than myself.”

“I want to stop working in my business and start working on it.”

Our departments are designed to work together, so that you can always benefit from expert knowledge without having to commit to expensive retainers.

19/10/2026

I didn’t pitch. I didn’t ask. And two people forwarded me the same request anyway.

The other day, someone posted in our local Facebook group asking for a bookkeeper. Two different people spotted it and sent it straight to me. One is someone I network with all the time. The other I’d networked with before, and she’s now a client.

That’s why I believe in networking. It isn’t really about who turns up on the day. Every connection you make has a circle of their own: clients, friends, neighbours, other business owners. When people know what you do and trust you to do it well, that circle starts to look out for you without you having to ask.

It takes time, and it’s built on genuine conversations rather than pitches. But it’s one of the most rewarding ways I know to grow a business.

If you’d like to start building your own local network, I run Harpenden Connect and Welwyn Connect, two friendly, informal meet-ups for local business owners. Message me for details.

16/10/2026

Someone told me recently their AI bookkeeping tool "sorted everything out" for them.

AI and DIY tools are genuinely good at getting you to something submittable for HMRC (whether or not the result is accurate and HMRC compliant is a topic for another post), but they're not designed to tell you whether your pricing works, whether a client is worth keeping, or whether you can afford to hire.

Neither job is wrong to want. They're just different jobs, and a lot of people are only getting one of them done without realising it.

If you're not sure which one your current setup is actually doing, message me. I'm happy to take a look.

15/10/2026

How many times do you ask someone how they are and the answer is "busy"?

Busy can sound amazing and intimidating. After all we seem to wear it like a badge of honour.

But! And here is the BIG BUT.

Busy isn't the same as successful. You can be fully booked and still be quietly losing money on your least profitable clients without ever noticing, because "busy" doesn't tell you margins, or what's actually paying your bills.

Knowing your numbers isn't about spreadsheets for the sake of it. It's about being able to answer the question "is this actually working?" with something more solid than a feeling.

If you want a proper look at what your numbers are telling you, message me. Happy to chat it through, no pressure.

14/10/2026

Accountants and Tax Advisors: how are you planning to manage the extra client workload that comes with MTD?

You already know what's changing. The bigger question is how to give every client the attention they need while still having time for the advisory work you enjoy.

Two things that might help:

A free plain English guide to MTD that you're very welcome to send to your clients, so they arrive with the basics already covered. Message me and I'll send you the link.
Behind the scenes bookkeeping support if your capacity gets tight. I'm happy to work white label, so your clients experience it as part of your service and never need to know I exist.

No pressure, just a conversation if either would be useful.

13/10/2026

Why is my bookkeeping course only for sole traders? Because I want the job to get done properly.

Good bookkeeping is a skill worth taking seriously. A course can give you the confidence to look after your own books properly and understand what you're recording and why. It isn't designed to turn anyone into a professional bookkeeper overnight, and that's deliberate.

For sole traders, it works because you and your business are the same legal entity. One set of records feeds into your Self Assessment, so there's a clear, manageable set of basics to learn.

Limited companies are a different world. The company is a separate legal entity, which brings annual accounts to file at Companies House, a company tax return, directors' loan accounts, dividends and accruals to get right. For Limited Companies bookkeeping is about a lot more than reconciling accounts correctly.

So if you're a sole trader who wants to understand your own numbers, the course is for you.
https://momentum360.thinkific.com/courses/essentialbookkeepingforsoletraders

If you run a limited company, I'd love to help. Message me and we can talk through what you need.

09/10/2026

Using AI tools, software or a spreadsheet for your bookkeeping? Brilliant. Here's one thing worth knowing whichever route you take.

As a business owner, keeping your records is your responsibility, and there's a set length of time you need to keep them for. If you're a sole trader, it's at least five years after the 31 January Self Assessment deadline for that tax year. So for 2025-26, with a return due by 31 January 2027, that means keeping everything until 31 January 2032. If you run a limited company, it's six years from the end of the last company year the records relate to.

The good news is that the tools make this easier. The one thing worth doing is making sure you can access and save a copy of your records for the full period, even if you switch software or cancel a subscription along the way. One folder per tax year is a simple way to do it.

If you'd like to build your confidence with your own bookkeeping before the January Self Assessment deadline, my self paced course for UK sole traders is half price at £24.50 (usually £49 including VAT) until 31 January.
https://momentum360.thinkific.com/courses/essentialbookkeepingforsoletraders

And if you'd rather have an expert look after it for you, message me and we can talk through what would suit you best.

08/10/2026

You wouldn't set off somewhere new without knowing which direction you're heading. But a lot of business owners are running at full speed without a clear view of what their numbers are saying.

Growth doesn't come from working harder. It comes from knowing what's working, what's not, and what you can afford to do next. Hire, invest, take that leap.

If you're busy but not sure you're actually profitable, that's a really common place to be. It's also completely fixable once you know what you're looking at, and your numbers are the map that shows you the way.

That's exactly what my free discovery sessions are for. We look at your books together, see where you're standing right now, and work out what you need to put in place to grow.

No pressure and no obligation. Message me to book yours.

07/10/2026

Do you actually know if Making Tax Digital applies to you yet? And when?

MTD for Income Tax is rolling out in stages, and a lot of sole traders aren't sure whether they're affected, or when. The good news is that finding out is quick, and knowing where you stand means you can plan calmly and get ahead of it.

I built a free MTD readiness checker so you can find out in a couple of minutes. No guessing, no jargon, just a straight answer on where you stand and what (if anything) you need to do next.
https://www.momentum360.co.uk/mtdreadiness/

And if you'd like to get your books in great shape before the January Self Assessment deadline, my self paced bookkeeping course for UK sole traders is half price at £24.50 (usually £49 including VAT) until 31 January.
https://momentum360.thinkific.com/courses/essentialbookkeepingforsoletraders

06/10/2026

"I bought a laptop, can I claim the whole thing?"

Maybe! It depends on one phrase HMRC cares a lot about: wholly and exclusively for business.

If you use that laptop 100% for work, you can claim it all. If your teenager borrows it for gaming half the time, you can claim the business proportion. (Although if it has client data on it, you may want to keep it away from them. Data protection and Minecraft are not a winning combination.)

The same logic applies to your phone bill and your broadband. Anything with mixed personal and business use can usually be claimed in part.

The sweet spot is somewhere between claiming everything and being so worried that you claim nothing at all. Work out an honest business percentage, keep a note of how you calculated it, and claim that with confidence.

If you'd like to feel that confident about every expense before the January Self Assessment deadline, my self paced bookkeeping course for UK sole traders is half price at £24.50 (usually £49 including VAT) until 31 January.
https://momentum360.thinkific.com/courses/essentialbookkeepingforsoletraders

02/10/2026

AI tools are handy for the everyday admin of bookkeeping. They can sort transactions, tidy up records and save you a good chunk of time.

What they can't do is know your business the way a person does. They don't know that the payment last month was a one-off, that a client is about to change your income, or how a tax rule applies to your particular situation. That's where a human eye, whether it's yours, your bookkeeper's or your accountant's, makes all the difference.

The best set up I see is a bit of both: let the tools handle the repetitive bits, then have someone who understands your business and the tax rules check that the picture makes sense.

If you'd like to build that confidence yourself, my self paced course for UK sole traders is half price at £24.50 (usually £49 including VAT) until 31 January, so you can get your records in good shape before the Self Assessment deadline.
https://momentum360.thinkific.com/courses/essentialbookkeepingforsoletraders

And if you'd rather have an expert take care of your bookkeeping, message me and we can talk through what would suit you best.

Address

Redbourn

Opening Hours

Monday	9am - 3pm
Tuesday	9am - 3pm
Wednesday	9am - 3pm
Thursday	9am - 3pm
Friday	9am - 3pm

Website

https://www.momentum360.co.uk/

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