Tip 1: Working Tax Credits and Child Tax Credits are a great source of TAX FREE cash. Don't miss out.

Tip 2: Cash is KING: Do a simple cash-flow projections and then plan and update it at least once every two weeks

Tip 3: If your profits are higher than £15,000 pa consider forming a company

Tip 4: As you earn, depending on your business, put 10-25% of your net sales invoices aside for tax

Tip 5: For companies, it might be more tax effective to switch from normal life insurance to Key Man Insurance

Tip 6: Review your credit policy and get tougher with late payers. Chasing debt s wastes your time & time is money

Tip 7: What is your competition up to? Make it your business to find out!

Tip 8: When appropriate, use real pictures in your advertising. Readers are most likely to read text with a picture

Tip 9: Plan your marketing. Haphazard marketing wastes time and effort AND money!

Tip 10: GET A FANTASTIC ACCOUNTANT - yes, really!