Point Accounting Ltd

Point Accounting Ltd Accountant who believes finance shouldn’t be confusing | Helping business owners make better decisions (without relying on Dave down the pub ) | MSc

29/08/2026

Disney vs Butlin’s… and honestly, I wasn’t expecting this comparison to be as difficult as it was! 😂🏰🎪

We are BIG Disney fans. Gray has been to Disneyland Paris 3 times and Disney World Florida once… so Butlin’s had some serious competition! 🐭✨

But Butlin’s Minehead holds a special place in my heart. Some of my favourite childhood memories were made there, and for Gray’s 4th birthday, I wanted him to experience a little piece of the magic I remembered too. ❤️

Disney absolutely wins when it comes to theming and that immersive, magical feeling. 🏰✨

BUT… I’m sorry Disney…

The pool at Butlin’s Minehead wins for me. 💦🏆 And having the beach right outside? You can’t beat it! 🏖️

Both holidays are completely different, and I genuinely don’t think one replaces the other.

Disney gives us MAGIC. ✨
Butlin’s gave me NOSTALGIA. ❤️

And watching Gray experience something I loved as a child? That was pretty special. 🥹

So… I’m ready for the debate 😂👇

Disney 🏰 or Butlin’s 🎪 which one wins for YOUR family?

Mid week holiday check-in from Butlin’s 🎢❤️I made a promise to myself this week.Less laptop.Less phone.Less “I’ll just q...
27/08/2026

Mid week holiday check-in from Butlin’s 🎢❤️

I made a promise to myself this week.

Less laptop.
Less phone.
Less “I’ll just quickly check something.”

More of my little boy is turning 4🥹🎂

So far we've packed in swimming, rides, arcades, football, shows, adventures, far too much food and more fun than I can keep up with.

And yes… because apparently running a business doesn't completely pause, I've taken the odd business call and spoken to a couple of potential new clients too.

But here's the thing.

Every single client has been completely respectful when I've said, “I'm away with my little boy for his birthday, can I call you back?”

Because good business relationships work both ways.

I love what I do. I'm excited about what's next. And I will always care about the people and businesses I work with.

But this week?

Quality time with my baby takes priority.

The emails can wait a little longer.

These moments can't. ❤️

Now excuse me… I think I've got another ride to go on. 🎢😂

24/08/2026

Sometimes the most important business decision you can make is to switch off

Today, I’m putting the laptop away.

The phone is going on silent.

And for the next week, I’m stepping away from work completely

Because my little boy is 4 today❤️

We’re heading to Butlins for a week of uninterrupted time together

No emails, limited time on social media

No “I’ll just quickly do this”

Just me being Mum

It’s so easy to convince ourselves that everything is urgent. That we need to reply to that message, finish that job, check that email or squeeze in another hour

But our children don’t see the emails we answered

They remember whether we were there

And I want my little boy to have a Mum who was present, not a Mum who was always looking at a laptop or phone while saying:
“Just a minute”

So this week, work can wait

The clients will still be there

The emails will still be there

The laptop definitely isn’t going anywher😂

But these moments?

They don't come back

Sometimes switching off isn't stepping away from success

It's remembering what you're working so hard for in the first place

See you in a week❤️

20/08/2026

And just like that… Gray’s nursery chapter comes to an end. 🥹❤️

Tomorrow is Gray’s last day at , and I honestly don’t know where the time has gone.

When Gray first started, we had no idea just how much support, patience, love and understanding he would need or just how much this amazing team would become part of our lives.

To every single member of staff who has cared for Gray, encouraged him, celebrated his little milestones and seen him for who he is…

Thank you❤️

Thank you for never giving up on him.

Thank you for celebrating the things that might seem tiny to someone else, but were absolutely HUGE to us.

Thank you for giving him a safe, happy place to learn, grow and be himself.

And thank you for supporting me too because being a mum comes with enough worries without wondering whether your child is understood and cared for when you aren’t there.

Gray is now off to big school. 🎒

I know there will be challenges ahead, but I also know he is heading into his next chapter with so much more confidence, independence and love around him because of the people who have helped him get here.
We will never forget what you have done for him

Thank you Diddy Day Care❤️

You’ve been a very special part of Gray’s story.

Now… please stop making me cry. 😭😂

I’ve been single for 2 years… and apparently my dating standards have changed😂I used to want chemistryNow I want someone...
18/08/2026

I’ve been single for 2 years… and apparently my dating standards have changed😂

I used to want chemistry

Now I want someone who:

✅ communicates
✅ keeps their promises
✅ has their life vaguely together
✅ and doesn’t disappear for 3 weeks when I ask for something important

Basically…

I want a client 😂

Because after 2 years single, I’ve realised dating and meeting potential clients have a surprising amount in common

You have the first meeting

Everyone’s on their best behaviour

“I’m really organised.”
“I’m terrible at replying.”
“I’ve got everything in order.”
And you’re thinking....

“Interesting. Let’s see how this plays out.”

Then you get to know each other

You discover they have 4 companies, 7 bank accounts, Amazon, Shopify, Stripe, PayPal…

…and one spreadsheet called:

FINAL_FINAL_v7_USE_THIS_ONE.xlsx 😂

I love meeting new clients
Because just like dating, you never quite know who you’re going to meet
Some become long term relationships
Some are definitely “we’re better as friends."

And occasionally…

you meet someone and think, “Where have you been all my life?” 😂
Two years single has clearly lowered my standards in one area…

I no longer need butterflies

Just send me your bank statements on time❤️

What’s the best advice I could give you? I spent another day out with Mum and her old school friends this weekend.And wa...
17/08/2026

What’s the best advice I could give you?

I spent another day out with Mum and her old school friends this weekend.

And watching them together made me realise something.

They’ve known each other since childhood.

They’ve grown up together, raised families, gone through the good times, the bad times, marriages, divorces, losses, celebrations… and somehow, all these years later, they’re still laughing together over Sambuca shots 😂

Which, as an accountant, got me thinking…

I can talk to you about pensions, tax planning, Investments, Salary sacrifice.

Making the most of your allowances etc

But having the same friends around you for decades?

That’s worth more than any financial advice I could ever give you ❤️

Although, naturally, between Sambuca shots, I did still manage to give some pension info 🤦‍♀️😂

Are you still working?

Yes

Have you thought about your pension?

YES, WE’RE HAVING A SHOT 😂😂😂

Maybe that’s the real secret to a good life.

Work hard
Look after your finances
Plan for the future

But also…

Keep the people who knew you before life got complicated

The ones who have seen every version of you

The ones you can sit with after 40 years and still laugh until you cry

Because money can buy you a lot of things

But it can’t buy history

And it definitely can’t buy the kind of friendship that survives decades, bad decisions and a questionable amount of Sambuca. 😂🥂

We are off to a family party for a Ruby Anniversary today40 years of marriage❤️Which obviously meansGood foodA few drink...
15/08/2026

We are off to a family party for a Ruby Anniversary today

40 years of marriage❤️

Which obviously means

Good food
A few drinks
Family stories
A questionable dance floor

And then the family’s version of Dave down the pub will be there ….

Dave, who is the resident expert on EVERYTHING

‘40 years? You could probably claim the anniversary party as a business expense if you’ve got a limited company’

“No Dave.”

‘The champagne is definitely tax deductible if you call it a staff morale event’

“No Dave.”

‘What about the cake? Business networking’

“Still no, Dave.”

Hell spend 20 minutes explaining to my uncle that he could buy a Range Rover through the business because…

…you guessed it…

It’s basically free because it’s tax deductible 😂

At this point Ill have two choices:

1. Explain the actual tax rules
2. Have another glass of wine and pretend I’d never studied accountancy

Ill choose option 2 🍷😂

Sometimes you just have to accept that Dave down the pub is going to win the tax argument

Even when he’s completely wrong 🤷🏻‍♀️

Anyone else got a Dave in their family? 😂

What people think accountants do:💻 Press a button.💷 Save the client thousands in tax.☕ Drink coffee.✨ Magically make the...
14/08/2026

What people think accountants do:

💻 Press a button.
💷 Save the client thousands in tax.
☕ Drink coffee.
✨ Magically make the numbers work.

Reality:

📚 Read 100 pages of HMRC guidance.
🔎 Cross reference three different bits of legislation.
🤔 Question your life choices.
📧 Email HMRC.
📞 Spend 45 minutes on hold to HMRC.
🧮 Work out that, after all that…

…you’ve saved the client £200. 😂

And you know what?

I’m ridiculously pleased with that £200.

Because good tax advice isn’t about finding some magical loophole.

It’s about knowing the rules well enough to spot the opportunities that other people miss and making sure the client doesn’t pay more tax than they need to.

So yes, sometimes you’re paying your accountant to “do the accounts”.

But sometimes you’re paying them to spend three hours researching something you never even knew existed.

And that’s where the value is.

What’s the most ridiculous amount of time you’ve spent on something that saved you a surprisingly small amount of money? 😂

Let me just debunk a little HMRC myth for you....Limited companies pay less taxAh yes.The famous 'just go limited and pa...
13/08/2026

Let me just debunk a little HMRC myth for you....

Limited companies pay less tax

Ah yes.

The famous 'just go limited and pay hardly any tax' strategy. 😂

Usually delivered by someone who once watched a TikTok about tax.

Here’s the reality…

Your limited company makes a profit.

The company pays Corporation Tax on its taxable profits.

Then you think:

'Lovely. I’ll just take the rest out'

Not so fast… 😂

If you take profits out as dividends, you may have personal Dividend Tax to pay.

And if you pay yourself a salary…

Income Tax & National Insurance

Yep. Those can come into the picture too.

So no, becoming a limited company doesn’t mean HMRC suddenly says:

'Don’t worry about Nicola. She’s incorporated now. Let her off' 🤣

A limited company can be more tax-efficient in the right circumstances.

But it depends on things like:

1. How much profit you make
2. How much money you actually need to take home
3. How you take money from the company
4. Your personal tax position

So please don't make a ££££ decision based on:

'My mate Dave said you pay less tax if you go limited'

Dave also thinks putting a Range Rover through the business makes it free. 🙄😂

What’s the strangest tax advice you’ve ever been given?

I promise… I’ve probably heard worse. 👇

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