Harmony Accounting

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Harmony Accounting Accountancy services provided by Sam Hoyle, FCA, Chartered Accountant

Things you should probably know before enquiring with us…I won’t ask you to know all your numbers before we speak.That’s...
19/10/2026

Things you should probably know before enquiring with us…

I won’t ask you to know all your numbers before we speak.

That’s why people hire us.

The first thing I’ll usually ask is:

ā€œTell me about your business.ā€

I want to understand what you do, what feels messy, and what support would actually help.

We specialise in UK service-based businesses.

We work on annual retainers, not one-off tax returns.

We recommend software based on your business needs and you get 30 mins free training on that system too.

It’s not just me either.

I’m supported by Alice and Charlotte, and together we now have over 280 clients on our books and growing.

So if you’re looking for an accountant who cares, explains things simply and never makes you feel stupid for asking questions, comment INFO and I’ll send you the details.

No awkward number questions.

No jargon.

Just calm support to help you understand your finances.

A little insight into some of the financial advice I’ve been giving my clients lately.From making sure they’re putting e...
15/10/2026

A little insight into some of the financial advice I’ve been giving my clients lately.

From making sure they’re putting enough away for tax, to planning ahead and knowing what they can comfortably pay themselves each month.

It’s not always about making more money, sometimes it’s about understanding what you’re already making and using it better.

And remember, success isn’t just about how much your business turns over, it’s about what that business is actually giving you and the life you want to live ā¤ļø

Come on a business retreat with me āœˆļøā˜€ļøI went on Kate’s retreat last year and loved it so much that when she announced s...
05/10/2026

Come on a business retreat with me āœˆļøā˜€ļø

I went on Kate’s retreat last year and loved it so much that when she announced she was doing it again in Spain, I think I booked within about 0.2 seconds šŸ˜‚

Four days away from normal life, actually having the time and headspace to think about my business properly, with a group of women who completely get it.

Here’s what we got up to āž”ļø

Day 1 ā˜€ļø

After a VERY early start, I arrived in gorgeous Moraira and immediately thought… yep, I can cope with doing business here šŸ˜‚

First stop after unpacking was Lunch, sangria and a fab chat up with Lilac HR | HR Specialists for SMEs

Then we had our first session before an amazing welcome dinner.

And this is one of my favourite things about this retreat, some of the best conversations happen outside the actual sessions. Sitting around a table talking about business, life, what’s working, what isn’t… with people you don’t have to explain yourself to first!

Day 2 was where we properly got into it šŸ“

We looked at the business we’re actually trying to build — not just more revenue, more clients, more growth — but what we want our businesses to give us in return.

What does it need from me?
What do I need from it?
And does what I’m doing now actually support the life I want?

Then lots of breakout chats, ideas flying around, plans starting to form.

The day ended with rooftop drinks and dinner because ✨balance✨ šŸ˜‚

Day 3 started with a sunrise walk and coffee by the marina, which already feels approximately 700% calmer than opening Outlook first thing šŸ˜‚

We had a mindset session with Kate Greenslade | Certified Mindfulness Coach which was amazing. Then we looked properly at our offers and actually scored them, which was SO interesting.

There were things in my business that make sense on paper, but when I really looked at them I realised… I don’t actually enjoy doing these anymore.

And I think that’s something we forget as businesses evolve. You’re allowed to change your mind. Something can be profitable and still not deserve a place in the business you’re building now.

Plus there was pool time. Obviously. ā˜€ļøšŸ˜‚

Our last full day 🄹

We started with a sunrise sea swim, although ā€œswimā€ is generous. We basically bobbed abo

Over 20 years as a Chartered Accountant.Nearly 300 clients.Spend most of my life in spreadsheets.Still managed to turn u...
24/09/2026

Over 20 years as a Chartered Accountant.

Nearly 300 clients.

Spend most of my life in spreadsheets.

Still managed to turn up to my hair appointment without all of my hair extensions and once left my passport in an Airbnb in Canada šŸ˜‚

Basically, I can sort your accounts, deal with HMRC and explain your numbers to you…

Just maybe don’t ask me to make you an omelette or be responsible for important travel documents šŸ™ƒ

A wee reminder that Instagram never tells you the full story šŸ˜‚

Which one surprised you most?

Spend the day with me as an accountant and founder šŸ‘©ā€šŸ’»ā˜•ļøAlthough disclaimer… this video makes my day look a lot easier a...
21/09/2026

Spend the day with me as an accountant and founder šŸ‘©ā€šŸ’»ā˜•ļø

Although disclaimer… this video makes my day look a lot easier and calmer than it actually is šŸ˜‚

My day normally starts with a 6am walk before everyone else is up.

Then comes the morning madness of getting everyone ready, breakfast, finding everything we apparently desperately need for school that morning šŸ˜‚ and getting the girls out the door.

Once the school drop off is done, that’s when I do my workout and a bit of journalling.

Then breakfast, coffee and I log on for the day.

I used to always think I HAD to be logged on and working by 9am.

Definitely the corporate habit still in me!

Now I don’t.

One of the reasons I built my own business was to have more freedom over how I spend my time, so why was I still making myself stick to corporate working hours?!

My working day is normally around 6 hours and includes emails, catching up with the team, Zoom calls, recording Loom videos for clients and LOTS of coffee ā˜•ļø

I manage to fit quite a lot into those 6 hours because when I’m working, I try to stay really focused.

Then when school finishes, I can spend time with my family (or become a taxi driver taking the girls to their various clubs šŸ˜‚).

For me, this is what building a business was always meant to be about.

Yes, I want a successful business.

But I also want a business that supports my life rather than takes over it.

And I definitely didn’t leave corporate to recreate another 9-5 for myself. šŸ¤

Buying a wee thank you gift for a client feels like such a lovely thing to do šŸ’—Maybe they’ve worked with you for years.M...
08/09/2026

Buying a wee thank you gift for a client feels like such a lovely thing to do šŸ’—

Maybe they’ve worked with you for years.

Maybe they’ve sent lots of lovely referrals your way.

Or maybe you just want to show them that you genuinely appreciate them choosing to work with you.

But before you pop that bottle of w**e, bunch of flowers or luxury hamper through the business, there are a few tax rules you need to know šŸ‘€

Client gifts aren’t automatically tax deductible just because they’re for a client.

Generally, to qualify, the gift needs to carry a clear advert for your business, not be food, drink or vouchers, and cost no more than £50 per client per year.

So your lovely branded notebook or tote bag may qualify, while that bottle of w**e probably won’t.

Does that mean I think you shouldn’t buy the w**e?

Absolutely not šŸ˜‚

Looking after your clients and building great relationships is worth far more than saving a wee bit of tax.

I have grown my own business through lots of client referrals, and offering a great service that means clients want to stay and recommend me to others is really important to me.

Summer highs & lows ā˜€ļøAlthough if I’m being completely truthful, there haven’t been many lows šŸ˜‚Lots of time with the gir...
02/09/2026

Summer highs & lows ā˜€ļø

Although if I’m being completely truthful, there haven’t been many lows šŸ˜‚

Lots of time with the girls, park days, BBQs, shopping (obviously), a visit from the tooth fairy and both girls being super brave when getting their ears pierced šŸ’•.

We also got to spend the day with Nat & Tom which was so lovely as we don’t get to see them nearly enough ā¤ļø

And business has had some pretty exciting moments too.

Sales coming through for the template shop, getting messages from people telling me the trackers are already changing how they look at their finances, and signing the contract for our new team member Charlotte who joins us this month 🄹

I’ve also had loads of time off with the girls over the summer holidays.

Yes, they’ve driven me slightly crazy at times šŸ˜‚ but I know I’ll miss these days when they’re older.

And this is a big part of what my dream life looks like.

I didn’t build my business just to earn more money.

I built it so I could have the freedom to actually enjoy my life as well.

More time with my family.

More days out.

More holidays.

And yes… apparently more handbags šŸ˜‚

Your version of a dream life might look completely different to mine, and that’s exactly the point.

Your business should support the life YOU actually want. šŸ’—

Upcoming UK financial dates to remember šŸ‘€Because HMRC deadlines have a habit of coming around VERY quickly… usually when...
25/08/2026

Upcoming UK financial dates to remember šŸ‘€

Because HMRC deadlines have a habit of coming around VERY quickly… usually when you feel like you only just dealt with the last one šŸ˜‚

And with Making Tax Digital coming in from April 2026, there are a few more dates self-employed business owners need to have on their radar.

Save this post so you can come back to it when you need it šŸ“Œ

Want an expert to manage your accounts for you and make sure those important deadlines are taken care of?

I’m now taking on clients from September.

Apply through the link in my bio or comment info for the enquiry form.

10/08/2026

Hearing Han talk about working with me honestly means the world. šŸ„ŗšŸ¤

We’ve been working together for around 4 years now, and what a journey it has been.

When Han first came to me, she’d just started her business and was having Ā£3k months.

Like so many business owners, she didn’t see herself as a ā€œnumbers personā€ and the thought of HMRC filled her with dread.

She wanted someone she could trust to help her understand what was going on behind the scenes, without all the jargon or feeling like she was being interrogated.

Fast forward to today…

Han has built a multi-six figure business.

She’s built and closed a six-figure agency.

Pivoted into coaching.

Had multiple five-figure launches.

And created a business that continues to evolve around the life she wants to live.

The thing I’m most proud of isn’t just the growth.

It’s knowing she’s been able to make those big decisions with confidence because she understands her numbers.

Every month we look at her sales, profit, expenses and cash flow together.

We make sure she’s paying herself what she wants.

We plan ahead instead of guessing.

And she never has to worry about what HMRC needs or whether she’s missed something, because it’s all taken care of.

That peace of mind is priceless.

Watching clients like Han grow over the years is exactly why I love what I do.

It’s never just about the accounts.

It’s about helping business owners feel calm, confident and in control so they can build a business that supports their dream life.

Thank you, Han, for trusting me to be part of your journey. I honestly can’t wait to see what the next chapter brings. šŸ’•



30/07/2026

One thing I hear all the time is…

ā€œMy business is busy, so I must be making good money.ā€

But being busy and being profitable are two very different things.

If you’re delivering your service, paying for software, covering team costs, spending hours on client work, and there’s not much left at the end of the month, that’s a sign it’s time to dig a little deeper.

Profit isn’t about how much money comes into your business.

It’s about how much is left after you’ve covered the costs of delivering your service.

And here’s the thing…

You don’t need to be scared of your numbers.

They’re simply giving you information.

When you understand which services are actually making you money, you can price with confidence, make better decisions, and build a business that supports your dream life - not one that leaves you feeling exhausted.

So let me ask you…

Do you actually know how profitable each of your services is, or are you making an educated guess?

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Bishop Auckland
DL135SH

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