The sum will be equivalent to 80 per cent of monthly earnings, up to a maximum of £2,500, for three months (and the government has said it might be extended). Those over 25 can claim up to £409.89 a month to cover income, and more for housing costs. 3,082 Followers, 860 Following, 358 Posts - See Instagram photos and videos from Laura Whateley (@laurawhateley) Selency is a French vintage furniture and interiors brand selling good value, hand-picked, preloved homeware. Meet Laura, author, award-winning journalist and The Times' consumer champion. Find Laura Whateley's email address, contact information, LinkedIn, Twitter, other social media and more. The latest Laura Whateley news and features. It applies to anyone who has completed a tax return for the year 2018-19 (if you haven’t got round to it you’ve got until April 23) and earned no more than £50,000 of trading profit, either last tax year, or over an average of three years of tax returns from 2016-17, 2017-18, and 2018-19. When will businesses reopen? In this series, we meet inspiring women from all walks of life. This wall detail was created with paint from Little Greene, Stay up to date with Mansion Global newsletters. I interview Laura Whateley, the author of Money: A user's guide -We talked about the options available for Renters -The best Help to buy ISA's and lifetime ISA's "In the absence of a shop floor, Instagram is our connection to our customer base, our link to the outside world, as it were," Mehydene says. They are offered by banks but backed by the government, find more information here. Money: A User’s Guide – Laura Whateley In the first part, you will find detailed information with examples about student loan repayments, mortgages for your future house, debts, type of credit cards, budgeting, pensions, taxes, bills and insurances – everything that most probably scares your inner teenager to … Save my name, email, and website in this browser for the next time I comment. We are not responsible for any loss that you may incur as a result of relying on these currency conversions. Explore British GQ to find out more including articles on fashion, grooming and culture. Its Instagram feed is a vision of the rustic Provençal or chic Parisian life you wish you lived. She uses her Instagram to demonstrate how you can style rugs, blankets, baskets and other homeware inspired by her travels in Portugal, France and Morocco. Look at how you’ve been paying yourself. @mad_about_the_house HMRC confirmed to me that you could, however, do a completely different paid job while furloughed. Take a risk! But the government has agreed that if you can demonstrate that your savings are to pay your business tax bill then the rule will be waived. I’ll be sharing later on. 5 Ways to Finally Tackle Them in 2021. Get Free Instagram User Guide Textbook and unlimited access to our library by created an account. Barrie Lists in Surrey, England. His feed shows how to go "full colour fabulous" by putting together bright yellow, turquoise, and gold with black and white stripes — and somehow making it work. She writes about money, property and affordable travel including columns on millennial money topics in The Times and Grazia. He was the son of George and Maria Whateley, of Broad Walk, Stratford-on-Avon. Nick Maynard, is founder of Practice, an accountant for creative businesses. Unfortunately you cannot claim for any lost dividends, because dividends are not earnings. If you are a director of a limited company it’s likely that you’ve been paying yourself tax efficiently through salary plus dividend, so do you have any surplus cash in the business that you could draw on? If you think your interiors need a lick of paint get following some of the top brands on Instagram. We don’t even need to wait for payday. He is at rest in Cabaret … Here, financial journalist and money saving expert Laura Whateley offers her advice on making your precious pennies and pounds stretch further in 2020 and beyond. We asked money expert Laura Whateley, author of the bestselling “Money: a user’s guide” and the former consumer finance agony aunt for the Times, to take a look at how much you should save, and if you could save more, even in these unusual times. The self employment income support scheme (SEISS) gives sole traders and partnerships who have been affected by the coronavirus an injection of cash straight into their bank account. Listen to three, talented British non-fiction author’s introduce our unique hotel’s stories and their… The design blogger and journalist Martyn White is one to follow if you like opulent, luxury interiors, spiral staircases, statement chandeliers and ideas on how to use metallics and mirrors to their greatest effect, even if you cannot afford the multimillion-pound penthouse apartment to put them in. ", More:One-Time Home of ‘Peter Pan’ Author J.M. If black and more black is your thing, the interior designer Abigail Ahern is an expert at demonstrating how to put together dark and moody rooms. Listen on Spotify Boutique hotels & brilliant books Welcome to your room. Matthew Brown, a technical officer for the Chartered Institute of Taxation, explains that if you are a director of your own limited company you are not self employed in the legal sense. So grateful you blogged about this. — Money expert Laura Whateley talks through the steps, apps and tips for how to save money as England heads into another lockdownThe coronavirus pandemic has shaken up all our financial plans. However, for about 50 percent of electronic payments, the bank actu-ally writes a paper check, because those payees cannot yet receive electronic about 50 percent of electronic payments, the bank actu-ally writes a paper check When you pay electron ic ally, the bank withdraws funds on the pay-ment date. Mindf*ck by Christopher Wylie The Ungrateful Refugee by Dina Nayeri In the Realm of Hungry Ghosts by Gabor Maté 21 Lessons for the 21st Century by Noah Yuval Harari … Laura Whateley has a great book offering up loads of practical money advice, from how to budget, tips for buying a house, to how to get started with investing – I began turning the pages down at interesting points until I realised I was turning nearly every page down (It’s called Money: A Users Guide). @selency This week Paul Scully, the Small Business Minister, agreed to look into whether this technical problem could be tackled in order to help the 2 million businesses that pay themselves in dividends, calling on accountants for ideas, so watch this space. DISCLAIMER: The currency conversion is provided for illustration purposes only. If you want to introduce a bit more zing and pattern into your home, the US designer Jonathan Adler is your man. In exchange for investing in these funds, investors earn returns that are comparable to or higher funds, investors Articles by Laura Whateley on Muck Rack. Warning: may cause serious home envy. It is usually the case that if you have £6,000 or more of savings it will reduce how much universal credit you will receive, and if you have any more than £16,000 of savings and you’re not eligible at all. There’s lots of snaps of her home with chatty commentary about life as a designer, and useful advice. Its new The Spaces for Sale Instagram feed highlights beautiful homes you can buy or rent, from a coastal retreat with floor-to-ceiling glass walls overlooking the Isle of Skye, to a Copenhagen houseboat or a 17th-century Italian masseria (farmhouse) with a view of Mount Etna that sleeps 24 and rents for €9,500 (£8,450) a week. @littlegreenepaintcompany All property prices are as stated by the listing agent. Feeling concerned about your cushions? You can click through to her website to buy some of the items she pictures, including scalloped-edge raffia lampshades and multicoloured rainbow cutlery. Delivers the most important property news around the world to your inbox each weekday, COPYRIGHT © 2020 MANSION GLOBAL. Money funds provide instant liquidity in much the same fashion as a checking or savings account. I’m not a fan of the tendency to lump all 4.7 million self employed people in the UK into the same category of “insecure” workers (my job as a freelance writer is very different from, say, a freelance footballer, or a barrister, Deliveroo driver, dentist, or zero-hours contractor) but those who work for themselves face a particular challenge in trying to plan and budget for a totally unknown future. By: Chelsea Fagan and Lauren Ver Hage Book*|Audio book*. Your email address will not be published. Her Instagram is not too polished and it’s all the better for it. If you were eligible for small business rates relief as of 11th March , then you can apply for Small Business Grant Fund (SBGF) of £10,000. it’s a great piece of content. Laura Whateley Journalist and author of Money: a user's guide London, Greater London, United Kingdom 500+ connections. Mr Brown says furloughed directors can carry out minimal directors duties such as filing accounts, but you can’t do any income producing work, which he points out is a problem for sole directors of limited companies who want to keep in touch with clients and suppliers, and line up work for future. "I tend to live with my products before launching them to market, because I like to fully understand their purpose, adaptability, how they age. HOWEVZ walked past @foylesforbooks Waterloo…” Matilda Goad is a designer, creative consultant and contributing editor of House & Garden magazine, with a taste for colourful, feminine bohemian interiors, patterns, florals and scalloped edges. Here I’ve waded through the jargon to round up what’s out there to help. Laura Whateley Money Money (2018), the celebrated handbook to all things money, cuts through obscure financial jargon to explain personal finance in clear and straightforward terms. The local housing allowance rates have risen to cover up to 30 per cent of market rent in your area. Our Library, est. Will people still be able to spend as much with these businesses if they are worried about their own jobs or health? And especially the way you tell and describe is very admiring. While you can’t work for your limited company if you furlough yourself, you could still offer your services, and get paid, as a freelancer. Thanks Alex, a great read as always. According to research by Origin, a window and door manufacturer, homeowners aged 18 to 24 are the most unhappy with their homes, while those aged between 45 and 54 spend the most in their quest for an Insta-worthy home — splashing out an average of £530 after being inspired by Instagram. Paint companies have fantastic photography. A minimum initial investment of as low as $500, but generally $1,000 or more, is required. Another issue is that many people pay themselves only a small salary, but large dividends. @jonathanadler Lance Sergeant (Memorial has Sgt) 2987, 2/7th Royal Warwickshire Regiment killed in action on the 19/07/1916 aged 28. The Spaces is a digital magazine for design-lovers that features beautiful homes, hotels and workspaces from around the world. This deadline has been pushed back until January 31 2021, which might help with cash flow. Items I’ve bought have included a Loaf sofa, hanging plants, a bespoke shelving unit made from reclaimed scaffolding boards and poles, a bespoke concrete dining table with distressed metal legs, and exposed brick walls, as well as the main refurbishment. Bedroom Book Club MGallery Hotel Collection & Rebel Book Club present a special series of exclusive author podcasts, books & cocktails for your reading pleasure. ", @edit.58 Join to Connect Freelance (Self employed) City University (GB) Report this profile About Journalist and author covering consumer affairs, personal finance, travel, and property. Welcome to something new. We just applied for a mortgage payment holiday, SMALL THINGS YOU CAN DO TO HELP YOUR FINANCIAL SITUATION RIGHT NOW (especially during COVID-19), HOW TO RECONNECT WITH YOUR WARDROBE (INSTEAD OF BINGEING ON NETFLIX). @ lwhateley Laura has been writing for The Times since 2008 covering consumer affairs, property and interiors, and affordable travel. Boohoo has three including Klarna, Europe’s most valuable fintech start-up last year, worth $5.5bn, which has thrived during lockdown. Laura Whateley. Barrie Lists in Surrey, England, Designing an Outdoor Area for Every Space, Han Solo’s Jacket To Be Auctioned Live This September, Jeff Bezos, Jeffrey Katzenberg and David Geffen Led 2020’s Biggest Real-Estate Deals, The Binge-Worthy Décor of Netflix’s ‘Bridgerton’, Those Home-Improvement DIY Projects? There’s also the occasional picture of his dog, Foxylady. The bad news is Limited company owners are not eligible for the SEISS scheme. Luxury global real estate is booming, with demand for property from the ultra-wealthy at an all-time high, according to the latest report from Wealth-X and Sotheby's International Realty. Sotheby’s International Realty Virtual Open House, One-Time Home of ‘Peter Pan’ Author J.M. Interspersed are pictures of patterns and interiors that she loves, alongside snaps of her children and enviable holidays. Required fields are marked *. Thanks for sharing and Excited to read your next one. Inky, dark tones add depth, shadowy areas, corners fuzzing in and out and it feels totally tantalising. “Go through invoices and make sure you call in overdue payments, you want to be first in line if there’s any chance your clients get into trouble themselves. More:Designing Your Home for Work and Play. If you are one of those who has slipped through the cracks you should apply for universal credit. We are trying to keep going and persevering, hope universal credit can help somewhat if not xxx. Laura is a journalist and author of the book Money: a user's guide, a practical handbook on all things personal finance aimed at the under 40s. The award-winning blogger Kate Watson-Smyth has written a book, Mad About the House, sharing her interior styling tips and hacks. money is withdrawn from your account, so you keep the float. Isherwood admits it is a modern-day version of keeping up with the Joneses. Orange lacquered side table, anyone? Lots of the pictures are posted by followers showing off their own foliage-packed bathrooms and shelves. Copyright © 2020 | All rights reserved | Design by Gatto, For exclusive updates, musings and offers, « 6 APPS I RELY ON WHEN WORKING FROM HOME. I love to read your article and enjoyed it a lot. It features a mix of aspirational interiors it has sourced from across the internet, including dreamy hotels, and products you can buy. You may have "home dysmorphic disorder", which means you feel under pressure to have your home looking à la mode all the time, and feel self-conscious in front of visitors who may judge any lack of minimalist, photogenic surfaces. She is also Monzo's agony aunt. This would obviously only work for certain professions, such as writing, but could help you keep a relationship with clients. Paint companies have some fantastic photography, with colour experts pro at putting together shades and tones in ways you have never imagined. Think about asking for payment in advance for future work, lots of people are understanding that this is a tough time for freelancers and small businesses. He says that cash flow is crucial, at any time, but especially now. Lisa Mehydene is a "self-confessed interiors addict and rug junkie". This preview shows page 25 - 27 out of 40 pages.. age commissions. April 2015 > Detailed Library History > Buy RBC books & support local shops. Martin Lewis has suggested a work around. We will try our hardest to update if any new legislation comes to light. Claire Isherwood of London, a self-confessed scroller, knows the scenario all too well. Sadly fall into the ineligible bracket as I left employed work in Finance April 2019! I promise you, it will pay off #darkinteriors #paint. A recession looks inevitable, what is that going to mean for our savings or our debts? Laura Whateley, a real money management correspondent at Zopa, a Fintech lender and digital bank, notes that at the beginning of the COVID-19 pandemic, it … Her Instagram is full of pictures of her home and other Scandi-inspired rooms that she rates, usually with lots of greens, greys and blues, bookshelves, wood and walls of framed pictures. Uncertainty is particularly bad news for the self-employed. Some industries and organisations, such as the Arts Council and the Authors’ Society, are offering struggling freelancers financial support and grants. Tune into Urban Jungle Bloggers and you will see that there is room for many more. I am often taking pictures of them styled in various ways around my home and I find this really resonates with my followers.". ALL RIGHTS RESERVED.1211 AVE OF THE AMERICAS NEW YORK, NY 10036 | For the highest earners it amounts to a pretty generous £7,500. @matildagoad Little Greene’s display of interiors will convince you that you can make bright green and pink, hot yellow and purple work on your living-room walls. Directors can also be furloughed. The government has set up a helpline, on 0800 024 1222  to discuss options, including paying in instalments. My fiancé and I are very happy with the way our home looks now and are satisfied that we have achieved the ‘Insta-look’, but it’s likely we would have spent significantly less if we hadn’t been influenced so heavily by the perfect homes we see on our newsfeeds every day. "It’s how we gauge response to our products, where we gain constructive feedback, answer questions and give advice. Many of those who would consider themselves self-employed have actually set up as a director of a limited company, taking an income and dividends. It is meant only as an approximation based on the latest information available and should not be relied upon for any other purposes. Goad says that in the days of buying online, without the tangibility you get in a shop, styling is more relevant than ever. All information correct at time of publishing 16/04/20. WHATELEY, Joseph Robert. Money: A user’s guide by Laura Whateley is a personal finance book covering all of the essential things you wish you had learned about money in school. If you need finance, the coronavirus business interruption loan scheme (CBILS) could help with a loan of up to six years, with the first 12 months interest free. @urbanjungleblog Take control of your personal finances with this concise, timely and indispensable guide, from acclaimed money expert Laura Whateley. Be wary that scammers will definitely take advantage of this, so ignore any texts, calls or emails claiming to be from HMRC inviting you to click on a link to claim. Download and Read online Instagram User Guide ebooks in PDF, epub, Tuebl Mobi, Kindle Book. The popular feed for the global community of plant lovers focuses on home interiors full of greenery and offers useful plant pot inspiration, as well as the names of plant species that you may like the look of, but not recognise. He suggests you could furlough for the minimum of three weeks, then return to work for a few days to complete tasks, then furlough yourself again, but this is not clear cut. 234 Likes, 39 Comments - Laura Whateley (@laurawhateley) on Instagram: “I know I’m getting Insta-insufferable (instufferable?) By Laura Whateley. Money Laura Whateley breaks down the jargon on financial help for the self employed during the coronavirus, offering tips on furlough, grants and schemes Fast Download speed and ads Free! You don’t need to do anything yet, HMRC will contact all those eligible by – it hopes – mid May, and invite you to claim using the online service, only. For the lucky ones who are still earning the same as they were last year and haven’t been placed on the furlough scheme , lockdown has meant that they are actually better off, with fewer opportunities to spend. Journalist and freelancer-rights campaigner Anna Codrea-Rado has put together a brilliantly helpful list of emergency funds for freelancers. Hey, we're Candy Kittens and we believe that life's too short for boring sweets. Instagram User Guide. @martynwhitedesigns Laura Whateley’s book: Money: A User’s Guide Find Laura Whateley on Twitter (@lwhateley) For more career-related ideas and advice, join the Women Who community by signing up at , or follow @oteghauwagba and @womenwho on Instagram and Twitter. This will mean cutting costs in some areas, like unnecessary subscriptions, or even applying for a mortgage holiday for your home.”. "When we began renovations on our kitchen last year, I relied on Instagram for inspiration and found myself spending money on items specifically because I knew they would look good on my feed," she says. Unfortunately, there are quite a few sole traders who are ineligible. More:Han Solo’s Jacket To Be Auctioned Live This September. Lisa Mehydene collects homeware inspired by her travels@EDIT.58/INSTAGRAM @edit.58 Lisa Mehydene is a "self-confessed interiors addict and rug junkie". If you are still worried about being able to afford your tax bill, you might be able to negotiate  some breathing space with a Time to Pay Arrangement. Here she shares what she sees as the trends for the future of personal finance and her experience in the industry. The cash will arrive in June, backdated to March 1. People are posting photos on Instagram of their wonky boobs and belly rolls ... Money: A User's Guide by Laura Whateley is out on 4th October 2018, published by 4th Estate. @thespacesforsale "I estimate that I have spent £20,000 on making my home look like those I have seen on the app. It is also only for those who earned the majority of their income through self employment, no help for side hustlers. Laura Whateley is an award-winning journalist and The Times’ consumer champion writing the agony aunt column, ‘Troubleshooter’, and ‘Millennial Money’ in the Saturday Money section.She also specialises in affordable travel, property, and interiors for The Times and has written for The Sunday Times, the Guardian, the Observer, Dow Jones and Moneywise magazine. HMRC argues it cannot differentiate between dividends used in lieu of wages, and those from investments. Xx, Oh how frustrating – can you possibly do freelance work at all? Think about how long you can last on this and set yourself a budget and cash flow forecast. They include those who earn more than £50,000, or those who are newly self employed and did not have to complete a 2018-2019 tax return. She mentions specific paint colours and brands, such as Farrow & Ball Downpipe, which is handy if you want to get the look at home, and homeware brands worth investigating, such as @dowsingandreynolds, which sells doorknobs and lighting. The Financial Diet: A Total Beginner's Guide to Getting Good with Money. “As a director you are deemed to be an employee of that company for tax purposes.” That means, in theory, you can take advantage of the government’s job retention scheme available for employers instead and furlough yourself. He links to a website where you can buy any of the furniture you see in his Instagram pics. Worried you are overdoing the house plants? Most of the brands ... via an Instagram link with one eye open. What a generous post and the excellent choice of wording in the article. Laura Whateley … The problem is that unlike the self-employment scheme, furloughed workers are not allowed to continue to do their normal job. For the optimum Mansion Global experience, please turn off any ad blockers and refresh this page. Your email address will not be published. If you are registered for VAT and have a bill payable between March 20 and June 30 2020 you still need to file your return, but won’t be required to pay until March 2021. Those who complete self assessment returns usually have to submit a payment on account by July 31 2020. 835 Ratings. Most fashion brands now offer several buy-now-pay-later options at the checkout. If you are planning a renovation, or idly wondering whether you should update the curtains, here are the Instagram accounts to follow to get you started. This is automatic. One of the scariest things about the financial impact of coronavirus is that it is still so unquantifiable. By Laura Whateley The coronavirus pandemic has shaken up all our financial plans. Comments. For example: "My paint tip today is don’t think white equals a bigger space. We’ve built relationships with other brands through the platform and collaborations have come from following others with a similar aesthetic.". The money is a taxable grant, so you don’t have to pay it back, but you will owe tax on it when you complete your self assessment for the year 2020-2021, and you will receive it even if you are still able to work. More:Designing an Outdoor Area for Every Space, @abigailahern Furloughed employees stay on the payroll, earning 80 per cent of their salary, up to a maximum of £2,500 a month, no matter their income.

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