Sue Reeve Bookkeeping Mentor

28/08/2026

Technically, as a sole trader, you are not legally required to have a separate business bank account.

But honestly? You really, really should.

Here's why.

When your business and personal money are mixed together, it becomes really difficult to see what your business is actually earning and spending. Which makes bookkeeping harder, self-assessment trickier and understanding your numbers almost impossible.

A separate account takes about 20 minutes to open. And it will save you hours of untangling every single year.

It also makes you look and feel more like a proper business. Which you are. 💜

If you'd like help getting your bookkeeping set up properly from the start, drop SETUP in the comments and let's chat.

28/08/2026

Did you miss the MTD for Income Tax filing deadline on 7th August? Don't panic, you're not in trouble 💜

If you're a sole trader or landlord who was meant to start Making Tax Digital this April and the first quarterly update deadline (7th August) has sailed past, please don't worry.

I want to reassure you. As this is year one, HMRC won't issue penalty points or fines for late quarterly updates in 2026/27. Even if the next one (7th November) catches you out too, you won't be fined. You've got breathing room.

This April's start applies if your qualifying income from self-employment and property in 2024-25 was over £50,000. So if you're not sure whether this is you yet, just ask.

And please don't ignore it. Here's what I encourage you to do:

✅ Get signed up for MTD if you haven't already
✅ Enter your income and expenses for the quarter (6th April to 5th July)
✅ Connect your bank feed, then check everything's categorised correctly and submit

The one deadline that will still get you is your Self Assessment tax return for 2025/26, due 31st January 2027. If you miss that the usual late filing penalties apply, so keep it firmly in the diary.

If your tummy flips at the words "Making Tax Digital," you're not on your own, and this is exactly what I help with. A Power Hour is often all it takes to go from panicking to sorted.

Feeling behind? Message me MTD and we'll get you calm and clear.

Sue 💜

Find out the consequences of missing an MTD deadline in the first year - and how to avoid a fine.

27/08/2026

Self-assessment. Two words that make a lot of small business owners break out in a cold sweat.

But it doesn't have to be scary. Here's what it actually means in plain English.

If you're self-employed, HMRC needs to know how much you've earned so they can work out how much tax you owe. Self-assessment is simply the way you tell them. Once a year, online, by 31st January.

That's it. No complicated forms. No mystery. Just your income, your expenses and what's left over.

The scary bit is usually leaving it too long and not knowing your numbers well enough to fill it in confidently. That's where I come in.

If self-assessment feels overwhelming, drop HELP in the comments and let's chat. 💜

27/08/2026

Self-assessment. Two words that make a lot of small business owners break out in a cold sweat.

But it doesn't have to be scary. Here's what it actually means in plain English.

If you're self-employed, HMRC needs to know how much you've earned so they can work out how much tax you owe. Self-assessment is simply the way you tell them. Once a year, online, by 31st January.

That's it. No complicated forms. No mystery. Just your income, your expenses and what's left over.

The scary bit is usually leaving it too long and not knowing your numbers well enough to fill it in confidently. That's where I come in.

If self-assessment feels overwhelming, drop HELP in the comments and let's chat. 💜

13/08/2026

Bookkeeping Breakthrough is happening right now.

Here's the link to join

Zoom is the leader in modern enterprise cloud communications.

11/08/2026

I've been getting everything ready for Thursday and it's had me thinking about all the messages I've had over the years from small business owners saying some version of "I'll sort my bookkeeping properly one day."

Thursday could just be that day.

Not because you'll magically become an accountant by 11am. But because you'll finally have a plan, instead of a vague sense of dread every time the subject comes up.

One hour, completely free.
Thursday 13th August 2026
10am - 11am

Link is in the comments & bio and there will be a replay if you are unable to make it.

10/08/2026

Bookkeeping Breakthrough Webinar Q&A.

A few things people have asked me ahead of Thursday's free bookkeeping webinar.

"What if I can't make it live?" There's a replay, so you genuinely won't miss anything.

"What if I'm embarrassingly behind on my bookkeeping?" Even more reason to come. There is no judgement here. I promise you, I've seen it all, sole traders, small business owners, all sorts.

"Will it be full of jargon I don't understand?" Not a chance. If anything gets technical, I'll translate it.

"Is it really free?" Yes. Completely.

Thursday 13th August 2026
10am - 11am
Online - Zoom

Link is in the bio to save your seat x

09/08/2026

Just the practical bits, in case you need them.

Bookkeeping Breakthrough is a free webinar for sole traders and small business owners, live on Zoom, Thursday 13th August, 10am until 11am.

If you can't make it live, no problem, there's a replay.

If you've been putting off sorting your bookkeeping properly, this is your excuse to finally do it.

Link is in the bio to save your seat x

08/08/2026

42 years in bookkeeping and business finance has taught me one thing: it's never really about the numbers.

It's about the fear that builds up around them.

I work with creative women in business, sole traders, small business owners, brilliant at their craft and completely overwhelmed by the finance side.

The ones who'll happily talk for hours about their work, then go quiet the second money comes up.

If that's you, this is your sign.

This is for you if:

✨ You're a sole trader or small business owner
✨ You avoid your bookkeeping more than you'd like to admit
✨ You're ready for your bookkeeping breakthrough feeling in control of your money instead of scared of it.

Free webinar, Thursday 13th August. One hour, live on Zoom, replay included.

Link in bio to save your seat x