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Benefits & Personal Finance
Smart ways to extract money, plan for retirement, offer staff perks, and save tax across the board.


The Tax Gap Explained: What HMRC Expects from Construction SMEs
Introduction - The Tax Gap Explained In plain English, the tax gap is the difference between what HMRC should collect and what it ...

Jones Financial Accounts
Oct 14, 20255 min read


Overwhelmed by Transactions? Upgrade Your Finance Function Before It Hurts Cash
Introduction - U pgrade Your Finance Function If your construction or engineering business is drowning in invoices, card payments,...

Jones Financial Accounts
Oct 13, 20255 min read


How Much Should You Apply For? A Realistic Guide to Your Monthly Valuation
Introduction - Guide to Valuation When you’re raising finance, for new kit, extra crews, or bridging cash between stage payments, two questions matter most: what’s the business worth, and how much should you ask for? Get either wrong, and you risk expensive borrowing, unnecessary dilution, or a deal that collapses at the finish line. For construction and engineering firms, the challenge is sharper: project timings, retentions, variations, and materials volatility all distor

Jones Financial Accounts
Oct 9, 20254 min read


What Is Equity on the Balance Sheet and Why It Matters for SMEs
Introduction In construction and engineering, directors are often focused on turnover, gross profit, or cash flow, but overlook the...

Jones Financial Accounts
Oct 2, 20254 min read


Why Construction Firms Need Scenario Planning More Than Ever
Introduction - Construction Firms Need Scenario Planning Running a construction or engineering business often feels like driving in the...

Jones Financial Accounts
Sep 30, 20253 min read


How to Prepare Financially Before Bringing in a Business Partner
Introduction - Prepare Financially Before Bringing in a Business Partner For construction and engineering businesses, growth often means...

Jones Financial Accounts
Sep 24, 20253 min read


Construction Accounting Made Simple: Year-End Preparation
Introduction - Construction Accounting Year-End Preparation For construction and engineering businesses, the end of the tax year is more...

Jones Financial Accounts
Sep 22, 20254 min read


Remote FD vs In-House Accounts: What Growing Businesses Need to Know
Introduction - Remote FD vs In-House Accounts Construction and engineering businesses scaling from £500k to £5m turnover often face the...

Jones Financial Accounts
Sep 18, 20254 min read


Too Busy to Be Profitable? Streamline Your SME Operations
Introduction - Streamline Your SME Operations For many construction and engineering SMEs, the story is the same: the phones don’t stop...

Jones Financial Accounts
Sep 11, 20253 min read


Bad Traits of a Finance Director And How SMEs Can Avoid Them
Introduction - Bad Traits of a Finance Director Hiring a Finance Director (FD) is one of the biggest decisions a construction or...

Jones Financial Accounts
Sep 9, 20254 min read


Planning for Exit or Succession? Why Your Financial Story Matters Most
Introduction - Planning for Exit or Succession Every construction or engineering business tells a story. Not just through the projects...

Jones Financial Accounts
Sep 2, 20254 min read


End of Tax Year Checklist for the Construction Industry
Introduction - Tax Year Checklist For many construction and engineering businesses, the end of the tax year can feel like an uphill...

Jones Financial Accounts
Aug 28, 20254 min read


Should You Buy That New Equipment or Lease It? The Accounting View
Introduction For construction companies and SMEs, the decision to buy or lease new equipment isn’t just about convenience, it’s about...

Jones Financial Accounts
Aug 20, 20254 min read


Which VAT Rate Applies to Your Construction Project? (Explained Simply)
Introduction VAT in the construction industry is one of the most misunderstood areas of tax. From new builds to renovations and...

Jones Financial Accounts
Aug 19, 20254 min read


The Hidden Cost of Undercharging And How to Fix It
The Hidden Cost of Undercharging And How to Fix It Pricing decisions can make or break your profitability, yet many SMEs, especially in...

Jones Financial Accounts
Jul 29, 20253 min read


Personal vs Business Expenses. What’s the Difference and Why It Matters
Mixing Personal and Business Expenses? For Construction Firms, That’s Dangerous Ground In construction, it's easy for lines to blur. One...

Jones Financial Accounts
Jul 10, 20254 min read


Dividends vs Salary What’s the Most Tax-Efficient Mix in 2025?
If you’re a director of a limited company, you’ve likely heard the classic advice: “Pay yourself a small salary and top up the rest with...

Jones Financial Accounts
Jun 27, 20253 min read
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