Wake At Night Worries

There are many things that go bump in the night, but if you are a small business owner then the main thing that keeps you awake at night are the financial worries that all directors face which can be face head on with money management tips for small business.

Make no mistake, starting up a small business involves taking on enormous risk in the face of so many entrepreneurs having a hard time keeping up the pace and challenges. You are not alone in encountering those instances of dread keeping you from getting the rest you desperately need.

So what are the things keeping you restless and how do we fix them?


The threat of having to close your business rattles through every business owner regardless of their business size.

Having your cash flow go in the opposite direction of how you plan is one of the key stress points for every director constantly battling a make or break situation. It takes a lot of attention to understand your incomings and outgoings and how they leave your company on a financial standpoint. To fully be able to identify problems and fix them is a skill in itself away from the business, especially keeping tabs on regular invoicing and keeping on top of the chase to have them paid.

This is an area where small business owners employ bookkeeping services to help them collate and deploy effective measures to keep on top of business. This will add many an hour to that much needed sleep cycle each night.


Worry over your pension is one thing, but worry over workplace pensions is an altogether different kettle of fish.

When you employ someone they are eligible for automatic enrolment, you are expected to make contributions to the scheme. The risk of missing staging or duties start dates or not paying your contributions altogether brings the threat of action by the pensions regulator, which will enforce fixed fines on you as well as daily fines.

Workplace pension schemes can be confusing even with its relative simplicity. You can find out if your employee wishes to be part of the scheme or chooses to opt out, but you will need to assess their age and income to determine whether they need to be put into a pension scheme and the amount you need to contribute. It is recommended that you seek expert advice on this area in order to let it not be circling your head in the evening hours.


No matter what, the UK tax system is complicated for everyone, so you are not on your own here.

Despite HMRC trying to simplify things there are many business owners who get headaches from trying to navigate the system. The threat of penalties from getting it wrong makes many business owners feel the risk is not worth the effort. This is why a majority of business owners offload their financial essentials, payroll and other areas to a bookkeeper Manchester.

The focus on taxes for every small business owner are Income Tax (which is tax paid on business profits), Corporation Tax (applying to all Limited companies income upon taking profits), Value Added Tax (which every business must pay after earning over £82k per year), National Insurance (Technically not tax but is paid by all businesses to the government) and Business Rates (similar to council tax but for business properties). This can take a lot of time from the business so many again find an expert in the field to handle these for their business which will give you a more secure sleep at night.

There are major benefits in bringing in small business bookkeeping solutions to help you get a better night’s sleep all year around, reducing stress levels with your business and helping to keep the business growing at a steady pace. For more information of how we can help you sleep at night, contact the team at Pebbles Bookkeeping and HR today for money management tips for small business.

Don't just take our word for it...

Steve Tanswell, Manchester Facades

I changed book-keepers around a year ago because of a disagreement.  I employed Diane of Pebbles and having been with the same firm for 10 years, I was amazed by how easy working with Diane was.  Not only did the change save me money but also saved me time.  Utilising new technologies (to me) have massively improved the amount of money I can claim back in VAT and has made the whole process speedier and well as easier.  Even when Diane is chasing me for information she does in a friendly professional manner.  I’m thrilled to be working with her and would recommend her to anyone.

Anne-Marie Armstrong, Amberry Marketing

I just wanted to thank you both for the help you’ve given me thus far in setting up my new cloud-based bookkeeping system ‘Clearbooks’.

Having used Microsoft Excel for more years than I care to admit, I had more than a few reservations when considering changing the way I managed my books, yet understood that I had to make the change sooner or later.

After an intense training session with Sean, (where I probably asked 101 questions), my fears quickly dissipated and I can honestly say that although it’s likely to take me a little while to really get to grips with the new interface, I’ve no doubt that this simple system will save me so much time and hassle in future.

And less time spent doing my books, almost certainly means more time with the family and an end to rushing around like a mad woman at quarter-end!

Thanks again and I’m looking forward to working with you again soon.

Sam Phillips, Sam Phillips Builders

“Sean and the team at Pebbles provide bookkeeping services and do everything from processing invoices to payroll and then final accounts to trial balance.  They have put processes and systems in place that have helped the company track our projects and see if they are profitable and to help us generate better profitability and cash flow.  I highly recommend Pebbles Bookkeeping and often pass their details onto my contacts.”

Nick Aldrich, Only The Brave

Only The Brave have used Pebbles Bookkeeping for a few years now and we treat them instinctively like an integral department of our business.

I have worked with Sean for over two decades in my previous businesses and when Sean and Diane went on their own it was a no brainer to get them involved with our day to day accounting.

Pebbles manage our bookkeeping, expenses, credit control and PAYE and have a keen eye for detail and help us spot important financial matters before they become issues.

Their integrity and honesty are unquestionable and as a result, Pebbles are an asset to our business and will continue to work with us for many years to come.

Wayne Dinning, Managing Director, SD Waste Paper Limited

Diane has been providing her services to my company for approximately 6 months now and I can honestly say that due to her assistance, my company is running a lot more smoothly than it has at any time over the previous 30 years that it has existed.

I would just like to say that I would recommend her services to any business, whatever the size, as I can only see that her services would be beneficial to any company that may choose to employ her services.