GM Bookkeeping Services

GM Bookkeeping Services Calm, professional bookkeeping for sole traders and small businesses. Jargon-free support to keep your business on track.

Based in Little Sutton and available virtually, I can handle your daily records or provide one-off tidy-ups. I’m Gill, and I provide a relaxed, flexible bookkeeping service tailored specifically for sole traders and small businesses. Whether you need a one-off tidy-up of your records or regular weekly or monthly support with your paperwork, I’m here to help. From data entry and debtor control to M

TD filing and year-end preparation, I offer a flexible service that fits your needs. My goal is to give you more time to focus on your business, while I deal with the accounts. I can work virtually or in person in Little Sutton, providing clear, jargon-free support that keeps your books in order and ready for your accountant.

Morning all. After a lovely week away in Scotland with the family, I'm now back at my desk preparing for the week ahead....
13/07/2026

Morning all. After a lovely week away in Scotland with the family, I'm now back at my desk preparing for the week ahead.

For me, the beach is one of those places where I can switch off and recharge. The sound of waves on the sand and barely a sole around. How do you switch off from work?

This week is going to be a catch up week and I also need to start the MTD filing for a few customes!

Have a good week everyone.

Do you know what bank reconciliation actually is and does your business do it?It sounds more complicated than it is. Re...
10/06/2026

Do you know what bank reconciliation actually is and does your business do it?

It sounds more complicated than it is. Reconciling simply means checking that what's in your accounting records matches what's actually in your bank account. Every transaction accounted for, nothing missing, nothing that shouldn't be there.

It sounds simple, and most of the time it is, but you'd be surprised how many small businesses never do it, or only do it when something goes wrong. Their year end gets handed over to an accountant with no reconciliation done beforehand. No checks to confirm that all income and expenses agree to the bank. So the accountant ends up doing it instead and that means extra time, which means a bigger bill.

So, hand on heart, does your business reconcile regularly? Monthly? Never? Let me know below, I'm genuinely curious!

08/06/2026

I was asked yesterday about Making Tax Digital (MTD) for Income Tax and whether tax will need to be paid every quarter.

The answer is NO 🙂

The quarterly MTD submissions are simply updates to HMRC showing your income and expenses throughout the year. They are not quarterly tax payments.

Your tax is still due as per previous years, by the 31 January following the 5 April tax year you've done the accounts to. So year end 5 April 2026, tax is due by the 31 January 2027.

The main difference with MTD is that records will need to be kept digitally, and summary updates will be submitted during the year rather than everything being done in one go at year end.

Drop me a message if you would like to know more.
Thanks, Gill

Running a small business means wearing a lot of hats. Bookkeeping doesn't have to be one of them. If you'd rather spend ...
05/06/2026

Running a small business means wearing a lot of hats. Bookkeeping doesn't have to be one of them. If you'd rather spend your time doing what you're actually good at, I'm here to handle the numbers side of things. No jargon, no fuss.

Please send me a message if you would like to find out more.

We are now over halfway through the first Making Tax Digital for Income Tax period, so it feels like a good time for a q...
02/06/2026

We are now over halfway through the first Making Tax Digital for Income Tax period, so it feels like a good time for a quick check in.

How are you getting on with your day to day record keeping and data input? Is everything being kept up to date, or has it started to slip a little as the months have gone on?

For those affected, HMRC will expect digital records to be maintained throughout the year, not just pulled together at the year end. The aim is to make the final submission smoother, but it does rely on the information being accurate and current.

If you are already keeping on top of things, you are in a strong position heading towards filing. If not, there is still time to get organised and avoid a last minute rush.

If you are unsure whether your records are on track or would like some help getting things in order, feel free to get in touch.

Have your accounts started to go a bit pear shaped? Maybe the receipts have piled up in a drawer, your bank reconciliati...
29/05/2026

Have your accounts started to go a bit pear shaped?

Maybe the receipts have piled up in a drawer, your bank reconciliation is months behind, or bookkeeping has simply slipped down the priority list while you focus on running your business. It happens more often than you think. When it does, it can feel like a burden on your shoulders.

A lot of people assume paperwork only matters when it’s time to file your year end information. In some cases, that may feel true, but staying on top of your bookkeeping throughout the year can make a huge difference to your business and your peace of mind. Also, with new rules regarding MTD, you may need to be filing quarterly.

Ask yourself:
✔ Do you know what profit or loss you made last month?
✔ Can you see whether every customer has paid you?
✔ Do you know how much money is actually available to spend?
✔ Are you setting enough aside for your tax bill?
✔ Are your records ready for VAT or MTD filing requirements?

I offer a one-off tidy up service for sole traders and small businesses who need help getting their records organised and back up to date. There’s no pressure to commit to ongoing bookkeeping support if that’s not what you need. Sometimes a fresh start and getting back on track is enough.

If you think that this is a service that you could benefit from, then please drop me a message.

Myth Busting:Think a bookkeeper is only for big businesses? Not at all. I work with sole traders and small businesses wh...
27/05/2026

Myth Busting:

Think a bookkeeper is only for big businesses? Not at all. I work with sole traders and small businesses who just want to know their numbers are right and up to date. Whether you're just starting out or have been going for years, I can help. Please send me a message if you would like to find out more.

Why submitting your tax return early benefits you.- If your taxable income has dropped, compared with last year, you cou...
15/05/2026

Why submitting your tax return early benefits you.

- If your taxable income has dropped, compared with last year, you could be due a tax refund. Makes better sense for you to have the overpayment in your bank account.

- calculating your tax due for the 2025 - 2026 tax year now gives you a heads up of what you need to have saved up by 31 January 2027. Completing your tax return now doesn't mean you have to make payment now, but will help with financial planning.

- if you've been required to make a payment on account (so in January and July), you may be paying too much if your taxable income has dropped. Doing your return now gives you time to reduce your payments on account, which will affect the July payment.

- January is the deadline for getting your return filed AND tax paid. It doesn't give you much time to plan, so get it done now to avoid any last minute panic.

Although I don't file the tax return, in order for you or your accountant to do so, you need your accounts prepared. Have you fallen behind? Give me shout.

If you are looking for extra help with your books, looking to reduce accountancy fees or have a bookkeeping question, th...
11/05/2026

If you are looking for extra help with your books, looking to reduce accountancy fees or have a bookkeeping question, then please get in touch.

A new client came to me recently asking if I could help bring their paperwork up to date. Totally normal, life gets busy...
03/05/2026

A new client came to me recently asking if I could help bring their paperwork up to date.

Totally normal, life gets busy when you're running a business on your own. But as I worked through everything, I noticed that two sales invoices, over 3 months old, appeared to be unpaid. Confirmed with my client that they hadn't received cash, the client had no idea they were outstanding. The invoices had slipped through the cracks while they were busy doing what they do best. Once I flagged it, they were able to chase their customer straight away and got paid.

This is exactly why regular bookkeeping isn't just about tax returns and keeping HMRC happy. It's about having someone in your corner who spots the things you're too busy to see.

If you're a sole trader, your time is spent on the job, not on spreadsheets. And that's how it should be. But your invoices deserve to get paid.

📩 Drop me a message if you'd like a chat about getting your books in order. No jargon, no judgement, just clear, simple support for people who work hard for themselves.

Address

Greenbank Avenue, Little Sutton
Ellesmere Port
CH661PJ

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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