{"id":879,"date":"2019-04-24T00:00:00","date_gmt":"2019-04-24T00:00:00","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/knowledge\/articles\/10-money-saving-tips-for-the-self-employed-2019\/"},"modified":"2025-05-22T13:20:12","modified_gmt":"2025-05-22T13:20:12","slug":"10-money-saving-tips-for-the-self-employed-2019","status":"publish","type":"knowledge","link":"https:\/\/www.simplybusiness.co.uk\/knowledge\/income\/10-money-saving-tips-for-the-self-employed-2019\/","title":{"rendered":"10 self-employed tips for cutting costs in 2021"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">This article was updated on 9 April 2021<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The new tax year started on 6 April, and the good news is that some allowance changes may help you save money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And after what&#8217;s been a challenging year for everyone, not least small business owners, we wanted to share some tips that might help you save money or even reduce your costs as the country begins to emerge from lockdown.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/starting-out\/how-to-start-a-business\/\" data-type=\"knowledge\" data-id=\"1444\" ><strong>How to start a business<\/strong><\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/starting-out\/trending-business-ideas\/\" data-type=\"knowledge\" data-id=\"1344\" ><strong>Best small business ideas to get you started<\/strong><\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/income\/how-to-budget-calculator-and-guide-for-the-self-employed\/\" data-type=\"knowledge\" data-id=\"1294\" ><strong>Top tips for managing financial wellbeing<\/strong><\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/knowledge\/business-tax\/what-is-making-tax-digital\/\" data-type=\"knowledge\" data-id=\"1580\" ><strong>Making Tax Digital: what small businesses and the self-employed need to know<\/strong><\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/faq\/how-much-does-business-insurance-cost\/\"><strong>How much does business insurance cost?<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s the new financial year, which means there\u2019s been a <a href=\"\/knowledge\/self-assessment\/self-employed-expenses\/\" data-type=\"knowledge\" data-id=\"1511\" >number of tax allowance changes<\/a>. As some of these help you keep more of your hard-earned money, we thought we\u2019d run through 10 further ways the self-employed can cut costs, saving money (and time) this financial year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Use the tips in this article as a guide and be sure to speak to a professional before making any key decisions with your finances.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1makesureyouknowwhatexpensesyoucanclaimfor\">1. Make sure you know what expenses you can claim for<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The online <a href=\"\/knowledge\/business-tax\/self-employed-tax-changes\/\" data-type=\"knowledge\" data-id=\"1514\" >Self Assessment<\/a> deadline for 2020-21 isn\u2019t until January 2022, but to get as many deductions from future tax bills as possible, you should have your tax return in the back of your mind all year round.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It pays to keep a detailed record of all your allowable expenses so that nothing slips through the net when you fill in your next tax return.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not sure what you can claim for? Here\u2019s a list of <a href=\"\/knowledge\/self-assessment\/self-employed-expenses\/\" data-type=\"knowledge\" data-id=\"1511\" >allowable expenses<\/a> you could claim for.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And there are apps that make keeping track of your receipts a breeze. Take a look at some of the <a href=\"\/knowledge\/business-tax\/best-small-business-accounting-software-uk\/\" data-type=\"knowledge\" data-id=\"1262\" >best accounting software available for small businesses<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2useyourpersonalsavingsallowance\">2. Use your Personal Savings Allowance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re in a position to put money away into a savings account you get tax allowances for the interest you receive.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, most people have a Personal Savings Allowance of up to \u00a31,000, depending on the tax band they\u2019re in. This is the amount of interest you get to earn tax-free:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">basic rate taxpayers get \u00a31,000<\/li>\n\n\n\n<li class=\"wp-block-list-item\">higher rate taxpayers get \u00a3500<\/li>\n\n\n\n<li class=\"wp-block-list-item\">additional rate taxpayers get \u00a30<\/li>\n<\/ul>\n\n\n\n<div id=\"nba-body-001\">\n<\/div>\n\n<p class=\"wp-block-paragraph\">Although interest rates are at a record low for high-street personal current and regular savings accounts, keep in mind that banks often give incentives like cash or vouchers to switch to them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3becarefulwithcreditcards\">3. Be careful with credit cards<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit cards can be a tempting option, especially if you\u2019re in a bit of a financial squeeze, but using your personal card for business purposes can quickly lead to costly fines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you need a credit card for business expenses, look into getting one specifically for that purpose. And if you need financial help to launch your business, consider researching available business loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You could also look at your business bank current account to see if you\u2019re still getting the best service possible. Check out <a href=\"\/knowledge\/banking\/best-small-business-bank-account\/\" data-type=\"knowledge\" data-id=\"1332\" >the best business bank accounts here<\/a> \u2013 some banks offer (time-limited) fee-free banking for switchers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4checkyourphoneandinternetplan\">4. Check your phone and internet plan<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This goes for both business and personal use, but it\u2019s worth seeing if there are better deals available, especially if you\u2019ve been with the same provider for a long time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s also worth re-evaluating whether the type of package you have is right for your needs. If you find you\u2019re often going over your call or data allowance, but rarely get through all your texts, for example, you could be costing yourself more in the long run than if you went for a plan with fewer texts but more data and minutes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5makeuseofreferafriendschemes\">5. Make use of refer a friend schemes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many companies these days will offer you benefits if you refer other customers to them, whether it\u2019s money off your next order, free giveaways or simply some cashback to say thank you. It\u2019s a great way to get extra out of something you\u2019re already using and enjoying.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019ve found a product or service that you like, spreading the word can work out for you both. At Simply Business, we have our own <a href=\"\/about-us\/refer\/\">refer a friend scheme<\/a> \u2013 if you\u2019re a Simply Business customer we\u2019ll give you a \u00a350 gift card for every friend you refer to us. Your friend will get a \u00a325 gift card, too.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"6planyourtravel\">6. Plan your travel<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although all but essential travel has been at a stand still for the past few months, things are starting to pick up again. So whether you\u2019re driving or taking public transport, travel can quickly get expensive, both for business and leisure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you take the train, look into whether a season ticket is best for your needs, or whether you\u2019re eligible for a <a href=\"https:\/\/www.railcard.co.uk\/\" rel=\"noopener noreferrer\" target=\"_blank\">railcard<\/a>. They\u2019re available for both younger and older business owners, as well as those with disabilities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you don&#8217;t take the train that often, planning far in advance will allow you to book advance tickets, which often work out far more cost effective than buying on the day.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And if you drive a lot, and your car or van guzzles petrol or is always in need of a service, it might be time to invest in a new one. You should also keep track of your mileage, as this can be claimed back against your tax return.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"7keepyourinsuranceuptodate\">7. Keep your insurance up to date<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For many, insurance is a key part of running a business, and the costs of operating without it can be severe. If you employ any staff, even on a casual basis, you\u2019re legally obliged to have <a href=\"\/business-insurance\/employers-liability-insurance\/\">employers\u2019 liability insurance<\/a>, and there is a range of other types of insurance that can help cover the costs of mistakes, accidents, loss, theft, and damage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even if you already have insurance, it\u2019s important you check you have the right cover in place. You might have made some changes to your business since you last renewed, and going over your policy wording to ensure it still covers everything you expect it to is a good idea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Simply Business, you can get a tailored <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\" >business insurance<\/a> policy, choosing which covers you need and which covers you don&#8217;t. It&#8217;s quick to compare quotes from a range of leading insurers \u2013&nbsp;you could have your policy in minutes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/quote.simplybusiness.co.uk\/business\">Get your quote and buy a policy today<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"8audityourdirectdebits\">8. Audit your direct debits<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve all done it \u2013 signed up for a service that we\u2019ve stopped using and forgotten we\u2019re still paying for. Take the opportunity to check all your direct debits and see if there\u2019s anything there you no longer need.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And if you use subscription services like Spotify or Netflix, consider whether the ad-free experience is worth the extra money, or whether you still need to be able to watch on four screens simultaneously. Downgrading to a package with fewer features, while still keeping the service, can save you a lot in the long run.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"9takeadvantageofcashbackdeals\">9. Take advantage of cashback deals<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although the best way to cut spending is to avoid buying anything, sometimes you can&#8217;t escape it. You might need to replace something in your home, for instance if your kettle breaks, so it&#8217;s a good idea shop around and get the best deal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are sites out there that allow you to take advantage of cashback, <a href=\"https:\/\/www.topcashback.co.uk\/\" rel=\"noopener noreferrer\" target=\"_blank\">TopCashback<\/a> and <a href=\"https:\/\/www.quidco.com\/\" rel=\"noopener noreferrer\" target=\"_blank\">Quidco<\/a> being two of the most prominent. If you browse deals using their sites, then use the links provided to purchase goods and services online, they\u2019ll give you a cash bonus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s worth being a little cautious when using these sites, as you may find better deals elsewhere, even with the cashback factored in. There are still great deals to be had, though, so if you\u2019re looking to buy online, these can be a great way to cut your costs back.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"10useservicesthatofferyoumore\">10. Use services that offer you more<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many companies have customer rewards or loyalty schemes, from the giants like Nectar to even the smallest of small businesses. Opting for retailers and service providers who give you that little bit extra can help make a difference over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And this works both ways. Setting up your own loyalty scheme can help retain customers and bring more money into your business. Read our article on <a href=\"\/knowledge\/marketing\/customer-retention-strategies-for-small-businesses\/\" data-type=\"knowledge\" data-id=\"1210\" >customer loyalty strategies<\/a> to find out more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How do you take care of the pennies? Share your best money saving tips in the comments.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-94e519ba wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--40)\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"readytosetupyourcover\">Ready to set up your cover?<\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">As one of the UK&#8217;s biggest <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\" >business insurance<\/a> providers, we specialise in <a href=\"\/business-insurance\/public-liability-insurance\/\">public liability insurance<\/a> and protect more trades than anybody else. Why not take a look now and build a quick, tailored quote?<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n<div id=\"nba-body-end\">\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>From planning travel to auditing direct debits, there are plenty of ways to cut back your spending. Here are 10 tips for self-employed saving.<\/p>\n","protected":false},"author":3,"featured_media":26281,"comment_status":"open","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_reviewed_by":"","sb_review_date":"","sb_enable_content_gating":true,"footnotes":""},"categories":[336,329,110,343],"hidden-category":[],"coauthors":[26],"class_list":["post-879","knowledge","type-knowledge","status-publish","has-post-thumbnail","hentry","category-business-structure","category-income","category-business-news","category-trades"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>10 money saving tips for the self-employed in 2021<\/title>\n<meta name=\"description\" content=\"From planning travel to auditing direct debits, there are plenty of ways to cut back your spending. 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