samantharollins

Behind the Numbers: Real Talk for Small Businesses

Business EN ↓ 8 episodes

Running a small business in the UK is tough enough without the added stress of tax, payroll, VAT, and compliance. That’s where Behind the Numbers comes in. Hosted by Sam and Rachael from Trinity Accountants, each episode breaks down real-life financial and tax challenges that small businesses face (minus the jargon!).Whether you’re just starting out or scaling up, you’ll find practical tax-saving tips, business insights, and accounting strategies that help you save more than you spend on fees. We’re here to simplify the numbers, spotlight the wins, and keep it real with advice you can actually...

Author

samantharollins

Episodes

EP8: AI, Cash Flow & Costly Assumptions – What Business Owners Are Getting Wrong 26.06.2026 56:45

In this episode, Sam and Rachel from Trinity Accountants tackle the questions and mistakes they’re seeing most often from small business owners, directors and property investors. From relying on ChatGPT for tax advice and misunderstanding VAT on vehicles, to treating the business bank account like personal money and failing to forecast cash flow, they explain where things can quickly go wrong. The...

EP7: Costly Mistakes – The Financial Errors That Hurt Small Businesses Most 26.03.2026 37:11

In this episode, Sam and Rachel from Trinity Accountants discuss the most common and expensive mistakes small business owners make, from mixing personal and business finances to poor tax planning, weak record keeping and leaving decisions too late. They explore how lack of visibility over cash flow, failing to plan for HMRC liabilities, and operating with a “small business mindset” can quietly cos...

EP6: Smart Money Moves – Tax Traps, Pensions & Protection for Business Owners 13.02.2026 41:51

In Episode 6 of Behind the Numbers, Sam is joined by James Price from HWM Financial Planning to explore how business owners can strengthen their financial future while staying tax efficient. They discuss pension strategies for high earners, smart ways to manage surplus business cash, the importance of protection and insurance, and how aligning your advisors can unlock better long term results. Pac...

Ep5: The MTD Shift – How Digital Tax is Changing the Game for UK Sole Traders & Landlords 11.12.2025 43:46

In this episode of Behind the Numbers, Sam and Rachel break down everything you need to know about Making Tax Digital (MTD) and the latest UK budget updates. Whether you're a landlord, sole trader, or small business owner, this is your essential guide to staying compliant, reducing admin, and avoiding common MTD pitfalls. They cover quarterly submissions, smart software choices, automation tools...

Ep4: Property Playbook – Smart Tax Moves for UK Landlords 11.11.2025 37:42

In this episode of Behind the Numbers, Sam and Rachel return to the world of property tax - this time diving deeper into the real strategies that landlords and investors can use to build wealth and reduce tax legally. From alphabet shares and inheritance planning to SIPPs, green upgrades, and avoiding costly VAT mistakes, it’s packed with tips that go beyond the basics. Whether you own one buy-to-...

Ep3: Limited or Personal? – Making the Right Move in Property Tax 05.11.2025 43:00

In this episode of Behind the Numbers, Sam and Rachel tackle one of the most asked questions in UK property investment: Should I buy in my own name or through a limited company? From capital gains and stamp duty to mortgage interest relief and inheritance tax traps, this conversation unpacks everything landlords need to consider - including some surprising downsides to going limited. Whether you'r...

Ep2: Beyond the Basics - Start-Up Success & Tax Smarts 03.11.2025 40:57

In this episode of Behind the Numbers: Real Talk for Small Businesses, hosts Sam and Rachel from Trinity Accountants tackle the common questions every new business owner faces when choosing between sole trader and limited company status. From the impact of Section 24 and VAT registration to PAYE, bookkeeping software, and essential planning strategies, this episode is packed with practical advice...

Ep1: Smart Tax Strategies for Small Business Owners 02.07.2025 47:55

In the first episode of Behind the Numbers, Sam and Rachael from Trinity Accountants share expert tips on reducing tax bills for small businesses. Learn how to choose the right business structure, pay yourself tax-efficiently, and use electric cars, staff gift vouchers, and pensions to save. They also cover VAT registration and schemes. Tune in for practical strategies that keep more money in your...