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The Luvero blog

Money, made plain.

Practical guidance on tax, cash and pricing for creative agencies and consultancies. Written in plain English, with the numbers shown.

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VAT registration threshold: the £90,000 cliff edge

VAT registration threshold: the £90,000 cliff edge

Dan Edwards
Published on: 07/08/2026

The VAT registration threshold sits at £90,000, and many owners cap their growth to stay under it. Why that trap costs more than VAT ever would.

Tax and compliance
Unexpected tax bill? How to make sure it never repeats

Unexpected tax bill? How to make sure it never repeats

Dan Edwards
Published on: 07/08/2026

An unexpected tax bill is usually a systems failure, not a maths one. What to do if a bill has landed, and how to see the next one coming.

Tax and compliance
Payments on account explained: avoid the double tax bill

Payments on account explained: avoid the double tax bill

Dan Edwards
Published on: 07/08/2026

Payments on account explained: why HMRC asks for tax in advance, how the January and July payments work, and how to plan for them.

Tax and compliance
Paying tax without stress: 5 changes that made it easy

Paying tax without stress: 5 changes that made it easy

Dan Edwards
Published on: 07/08/2026

Paying tax without stress is possible. The five practical changes I made so my tax bills are covered in advance and paid calmly, on time, in full.

Tax and compliance