All Insights

October marks the start of the final stretch before the Self Assessment deadline on 31 January 2026. HMRC has begun issuing reminders to taxpayers, and accountants across the UK are urging clients to start preparing now. Getting organised early can prevent last minute stress, reduce mistakes, and even improve cashflow planning. Whether you are a sole trader, landlord, or company director, this is the perfect time to gather your records and get your Self Assessment ready for s

October moves the UK closer to the Autumn Statement. Public finance data this month shows borrowing easing but debt still high. Attention now turns to how the government might shape tax and spending. This Autumn Statement Preview sets out four live themes that matter for households and small businesses and explains what to watch as November approaches.

Making Tax Digital (MTD) for Income Tax Self Assessment (ITSA) will transform how individuals and businesses manage their tax. From April 2026, sole traders and landlords with income over £50,000 must maintain digital records and send quarterly updates to HMRC. September is the right time to prepare, with pilot schemes already underway and guidance now available for early registration.

September 2025 brings new insight into the UK’s Public Finances. The latest figures from the Office for National Statistics show how government borrowing and debt are tracking as ministers prepare for the Autumn Statement. With spending pressures still high and growth modest, fiscal discipline has become a defining theme for the final quarter of the year.

By August 2025, household borrowing patterns tell a clear story of financial caution. Credit card debt and personal loan growth have slowed compared to earlier in the year. Savings remain subdued as many families focus on meeting everyday costs rather than building reserves. The Bank of England’s latest Money and Credit data shows that higher interest rates are reshaping how people borrow, spend and save.

With the new tax year well underway, there is still time to make contributions that lower your tax bill and build long-term savings. Many business owners, contractors and employees use the quieter summer months to assess what they have contributed so far and what additional payments might make sense.

As the 2025/26 tax year progresses, HMRC is stepping up its compliance activity. Summer often marks the start of new investigation cycles, with increased scrutiny on tax returns, VAT filings, and company records. Understanding what triggers HMRC investigations and how to avoid them can save you stress, time and money.

By July 2025, the UK housing market has entered a cautious but stable phase. Prices have levelled off after earlier declines, and mortgage rates remain high enough to test affordability. Buyers and landlords alike are adjusting to this new normal, weighing costs carefully while waiting for clearer signs from the Bank of England.

By June 2025, most businesses are halfway through their financial year and looking ahead to the second half. Mid-year reviews are essential for understanding whether profit forecasts are realistic, VAT obligations are being managed, and cashflow is strong enough to support operations.

By June 2025, attention has turned to the Bank of England’s mid-year stance on interest rates. Inflation remains above target, but the economy is showing slower growth. Businesses and households alike are watching closely for signals on whether rates will stay high, begin to fall, or shift more gradually. These decisions shape borrowing costs, saving returns, and overall confidence in the UK economy.

Each year, the Spring Budget sets the tone for UK businesses and households by announcing tax changes, allowances and spending plans. The Spring Budget 2025 brought new thresholds, compliance updates, and targeted incentives that now shape the financial year ahead. Alongside those announcements, May carried its own practical deadlines, including the requirement for employers to provide P60s by 31 May.

In May 2025, attention is turning to how UK businesses are investing for growth. Following the Spring Budget and the release of early-year data, investors and business owners alike are watching closely to see which sectors are expanding and which remain cautious. For Ledgr Accountants’ clients, the business investment climate is more than a set of statistics. It influences access to credit, confidence in different markets, and decisions about whether to grow, hold steady, or

April always brings fresh rules and figures for businesses and individuals to adapt to. The 2025/26 tax year is no different, introducing new allowances, thresholds and National Insurance adjustments that will affect how much people take home, how businesses plan, and what contractors and property owners need to prepare for.

In April 2025, UK inflation continues to dominate headlines. Price rises across energy, housing and essentials remain stubbornly above target, raising questions about when relief might come. For households, small businesses and contractors, inflation erodes buying power and tightens budgets. In this post, we explore where inflation is heading, what is driving it, and how you can adapt.