Legal Framework.

Register as self employed-How and why?

You need to register as self employed/sole trader by-

You may be unsure about what to do next. You may be apprehensive about taking the first steps in establishing yourself as a professional artist or designer.
If you are planning to undertake freelance work – namely where the person asking you to do the work expects you to pay your own Income Tax, National Insurance and usually to have your own insurance cover – then you should register as self-employed (being self-employed is also referred to as being a sole trader).

If you have been asked to submit an invoice to a customer or client, this means that the client presumes you are ‘trading’ and you are not on the payroll of the organisation or company.
Equally, if you intend to undertake commissions, run workshops or sell your artwork, creative products or services, then you should register as self-employed with HM Revenue & Customs. Registering with HMRC is free in the UK.

You should start thinking about registration, whatever the amount you think you will earn. If you intend to trade, even if you will be making a loss, then you should register. There can be advantages to registration even if, initially, you are making a loss or only trading on an ad hoc basis.

If you have a job and are also working for your own clients or selling products outside your working hours, you should be aware that in most cases this counts as trading and you should register as self-employed. Many artists and designers are employed and self-employed at the same time.
Increasingly, employment contracts request that you ask or inform your employer about running a business outside your contracted hours. You may discover that the terms of your contract restrict or even prohibit your ability to run a business while employed.

Please note that if you are a foreign national and not from the European Union, then you will need to seek advice from an immigration solicitor before commencing in business. Student and work visas do not grant non-EU citizens the automatic right to trade.

RESOURCES

Business support

www.nfea.com (enterprise agencies)
www.lawsociety.org.uk (lawyers for your business)

National business support services

www.businesslink.gov.uk (England)
http://fs4b.wales.gov.uk (Wales)
www.investni.com; www.nibusinessinfo.co.uk (Northern Ireland)
www.bgateway.com; www.culturalenterpriseoffice.co.uk (Scotland)
www.primeinitiative.co.uk (for those over the age of 50)
www.ibconsulting.org.uk, Institute of Business Consulting
www.hmrc.gov.uk (request or download the registration form CWF1 here)

Books

The Essential Guide to Business for Artists and Designers, Alison Branagan (London: A&C Black 2011)
A comprehensive enterprise guide with a detailed list of professional bodies.

Key arts and business organisations

ww.a-n.co.uk
www.artquest.org.uk/money/how-to-start-a-creative-business.htm

Arts councils

www.artscouncil.org.uk (England)
www.artswales.org.uk (Wales)
www.artscouncil-ni.org (Northern Ireland)
www.creativescotland.com (Scotland)

Crafts councils

www.craftscouncil.org.uk
www.craftni.org (Northern Ireland)
www.ruralcraftassociation.co.uk
www.designcouncil.org
www.ukfilmcouncil.org.uk
www.londonfashionweek.co.uk
www.britishcouncil.org/arts

Other business organisations

www.fsb.org.uk
www.ukti.gov.uk (grants for overseas trade fairs)
www.bis.gov.uk (information, regulations and grants)
www.uk.accaglobal.com
www.icaew.com
www.taxaid.org.uk
www.can-online.org.uk
www.sel.org.uk
www.shapehearts.org.uk

2. Register if you’re self-employed

You’ll need to register for Self Assessment and Class 2 National Insurance as soon as you can after starting your business. You need to do this even if you’ve completed tax returns before.

Register by 5 October in your business’s second tax year. You could be fined if you don’t.

Insurance

Depending on the business and how you trade, you will be required by law to take out certain types of insurance. Other types of insurance are not compulsory but it is important to consider which ones are appropriate. The types of insurance you may need are:-

  • employer’s liability insurance. If you employ other people you must have this insurance. It provides cover for claims made by employees who are injured or become ill as a result of their employment
  • vehicles insurance. Vehicles used for business purposes must be insured even if already insured for private use
  • public liability insurance. This provides cover against claims by members of the public who have been injured or had property damaged as a result of carelessness at work by you or your employees. This veriest in cost but for a MUA these are the quotes i got.

    Pay annually

    £122.45

    Pay monthly

    Not available
    £1,000,000

    Not included Covered

    BuyDetails

    Pay annually

    £124.03

    Pay monthly

    Not available
    £1,000,000

    Not included Covered

    BuyDetails

    Pay annually

    £128.78

    Pay monthly

    Not available
    £1,000,000

    Not included Covered

    BuyDetails

    Pay annually

    £133.01

    Pay monthly

    Not available
    £1,000,000

    Not included Covered

    BuyDetails

    Pay annually

    £143.68

    Pay monthly

    Not available
    £1,000,000

    Not included Covered

    BuyDetails

    Pay annually

    £144.78

    Pay monthly

    Not available
    £1,000,000

    Not included Covered

    BuyDetails

    Pay annually

    £226.51

    Pay monthly

    £25.48
    10 monthly payments
    Total: £254.82
    £1,000,000

    Not included Covered

  • premises insurance. Insurance will be necessary for the premises you work from, even if you work from home and there is already a policy. This is because the insurance will usually only cover residential use
  • contents, stock and materials insurance. This insurance will be necessary to cover the replacement costs of stock, materials and the contents of the premises even if is work is being done from home and there is already a home contents insurance policy
  • health and accident insurance. These will pay a regular income or lump sum if you are unable to work because of an accident or sickness.Fill in tax returns

    2. Register if you’re self-employed

    You’ll need to register for Self Assessment and Class 2 National Insurance as soon as you can after starting your business. You need to do this even if you’ve completed tax returns before.

    Register by 5 October in your business’s second tax year. You could be fined if you don’t.

    If you’ve sent a return before

    Register online (form CWF1).

    You’ll need to find your 10-digit Unique Taxpayer Reference (UTR) from when you registered for Self Assessment previously.

    If you’ve signed up for the online service before, you should use the same account to file your tax return.

    If you haven’t sent a return before

    Register online and you’ll:

    • get a letter with your 10-digit Unique Taxpayer Reference (UTR)
    • be enrolled for the Self Assessment online service at the same time

    You’ll also get a letter within 10 working days (21 days if you’re abroad) with an activation code. You’ll need this when you first log in to your online account. You can replace an activation code if you don’t receive it or you lose it.

    Other ways to register

    You can fill this form on-screen then print off and post to HMRC. You’ll need to have all your information ready as you can’t save a partly completed form.

    If you’re using an older browser, for example Internet Explorer 8, you’ll need to update it or use a different browser. Find out more about browsers.

  • The main tax return (SA100)

    There are 2 ways to do a Self Assessment tax return. You can:

    Getting help

    You can:

    • get advice from a professional, such as an accountant
    • contact HM Revenue and Customs (HMRC)Self Assessment is a system HM Revenue and Customs (HMRC) uses to collect Income Tax.

      Tax is usually deducted automatically from wages, pensions and savings. People and businesses with other income must report it in a tax return.

      If you need to send one, you fill it in after the end of the tax year (5 April) it applies to.

      This guide is also available in Welsh (Cymraeg).

      Sending your return

      Log in and file your tax return online, or send a paper form.

      Deadlines

      Send your tax return by the deadline (31 January if you file online).

      If you didn’t send an online return last year, allow extra time (up to 20 working days) as you’ll need to register first.

      Accountants.

    • You could hire an accountant which can cost several hundred pounds or you could use software that is available online to help you keep on top of your accounts or bookkeeping. As the tax deadline gets even closer (31st January), the vast majority of self-employed taxpayers reach out for the services of an accountant. Tax season can be a scary time of the year and seeking help from a qualified professional can certainly be appealing, but why pay an accountant when you can do it yourself for free? Ask yourself this question, ‘Do I really need an accountant?’ Today, SimpleTax is here to answer this age-old question, and explain how you can file your tax return like an expert, without the use of an accountant.

      How does an accountant help?

      Firstly, let’s look at what an accountant actually does for the taxpayer. A good accountant will:

      • Keep on top of your books,
      • File for self-assessment annually,
      • Find savings where they can,
      • Save you time

      Granted, when it comes to tax season I can see why people reach out for a qualified professional. However, this all comes at a price. Yes, a good accountant will save you money if/where they can, but this may well be cancelled out by the charge to do so, up to £500 for the service described above.

      If you would like to avoid these expensive accountancy bills, but still file your taxes like a professional, SimpleTax is the answer.

      The cheaper, quicker and better alternative.

      Do I need an accountant? No! SimpleTax allows you, the ordinary taxpayer, to easily stay on top of your taxes without the use of an accountant. Yes, you heard us right. For the first time ever, YOU can understand and make sense of YOUR tax liability in minutes, just like an expert. No complicated forms or tax code; SimpleTax keeps things super simple and discovers savings you didn’t even know existed, just ask Liam. Whether you have a good grasp on your tax savings or you’re clueless when it comes to tax, SimpleTax will make sense of everything for you. Whether your accounts are relatively straightforward, or they’re a little on the complicated side, SimpleTax can help you file your self-assessment in minutes.

      So, here’s how SimpleTax is different, and better, than using an accountant:

      • There are no accountants, nor are there accountancy fees (hooray!)
      • For the first time ever, you can understand your tax liability in minutes
      • SimpleTax discovers deductible items that will automatically save you money.

      How much does SimpleTax cost?

      Whilst a good accountant will cost you an arm and a leg, Simpletax is FREE. Spend less time and money on your taxes, and file your self-assessment online, the easy way. Anyone can be a tax expert and save; Go SimpleTax.

       

      Need a simple Tax Guide? Click here.

      The above link helps with what you can claim for I found it very interesting on the items I can claim some I hadn’t even thought of.

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Business Demands.

Other aspects of running my own business,  i will need to do.

Money-income/ outgoings/account;

Keep electronic records of all jobs, when,where and how much charged.

Keep receipts for all products brought,petrol,amenities,if claiming for mileage keep track of it .

Marketing-Social media post,website,, blogs, Facebook, Instagram.

Keep my online profile up to date, put up photos of work for people to see, Set up website with contact information, price lists,where i will travel to, Jobs i will undertake, business card and advertising eg; leaflets, poster and flyers.Check out your competitors see what they are charging and how they are gaining work.

Premises

Look for premises for either a studio/workshop, find out the rent, business rates, is there parking for customers and is it free or what charge so you can inform clients.Make sure you meet all health and safety requirements for the industry and have had the inspections and paper work to cover you. Time to keep premises clean and tidy or hire a cleaning, so make sure you have the cleaning supply’s you need.

Transport

Get transport that is reliable and tidy in case you have to take clients in the car, tax, insurance, servicing,MOT,

Insurance-car/premises/public liability

This can be tied in with accounts but make sure you have the best deals, they cover everything including lost or stolen kit,the public liability insurance covers everything that could go wrong so you are covered just in case someone makes a claim.

Communication Emails/phone calls

make time to answer all email as they maybe jobs that need quote’s, casing up delivery’s,  make time for replaying to missed calls as they could be jobs.Pricing for jobs or expenses.

Professional development

Keep an eye on current trends, do top of courses to keep up to date with new techniques, take short courses to add more skills to your CV and hopefully gin more work through it.

Funding

Research for funding, apply for funding and pitching for funding.

These extra demands will take up extra time to begin with, but once setup if you keep up to date it wont take too long to do. You will know whether you are making money or a loss and if this is the case where you can save money.You will try and do as many of these jobs yourself to save money, once you have been trading for a while you may found out you have extra income and could employ someone to take over some of the jobs to free you up to take on more work. It would be best to try and build space in your time table to compete some of these jobs each day, instead of trying to do a bit here and there and it then  would never get done.

Here are a couple of links to sampler business plans one is a bike shop and the other a Beauty salon,

http://www.bplans.com/hair_and_beauty_salon_business_plan/executive_summary_fc.php

https://www.liveplan.com/features/samples_and_examples

FINANCE

Below you can find the documents i will use to keep a track of my finances, such as a spread sheet containing my expenditure, income and other outgoings. Also i have included a sheet i can use to keep a track of my mileages and how much i should charge the customer or included in some jobs.

 

 

finance

milage-costs

 

Funding

Donation/Reward crowdfunding

People invest simply because they believe in the cause. Rewards can be offered (often called reward crowdfunding), such as acknowledgements on an album cover, tickets to an event, regular news updates, free gifts and so on. Returns are considered intangible. Donors have a social or personal motivation for putting their money in and expect nothing back, except perhaps to feel good about helping the project. UK Sites include: www.banktothefuture.comwww.buzzbnk.orgwww.crowdbnk.comwww.crowdfunder.co.ukwww.gambitious.comwww.justgiving.comwww.peoplefund.itwww.pleasefund.ushubbub.net

Debt crowdfunding

Investors receive their money back with interest. Also called peer-to-peer (p2p) lending, it allows for the lending of money while bypassing traditional banks. Returns are financial, but investors also have the benefit of having contributed to the success of an idea they believe in. In the case of microfinance, where very small sums of money are leant to the very poor, most often in developing countries, no interest is paid on the loan and the lender is rewarded by doing social good. Sites include: www.abundancegeneration.comwww.banktothefuture.comwww.buzzbnk.orgwww.trillionfund.com

Equity crowdfunding

People invest in an opportunity in exchange for equity. Money is exchanged for a shares, or a small stake in the business, project or venture. As with other types of shares, apart from community shares, if it is successful the value goes up. If not, the value goes down. Sites include: www.angelsden.comwww.banktothefuture.comwww.crowdbnk.comwww.crowdcube.comwww.ethex.org.ukwww.gambitious.comwww.microgenius.org.ukwww.crowdmission.comwww.seedrs.comwww.sharein.com

A little bit of history

The first online crowdfunded project is thought to have occured in 1997. Rock band Marillion were unable to afford to tour after the release of their seventh album so American fans used the then fledgling internet to raise $60,000 so they could play in the US. Although the band wasn’t involved in the first round of fundraising, they have since used the same techniques to successfully fund the production of their following three albums. Other creative projects soon followed suit, such as films and journalism, and the first crowdfunding website appeared in 2001. In 2012, there were over 500 crowdfunding platforms online, and February of that year saw the first crowdfunded project raise over £1,000,000.

I found this information at https://www.ukcfa.org.uk/what-is-crowdfunding/

What is Kickstarter?

Every project on Kickstarter must be creating something new to share with others. A project has a clear goal, like making an album, a book, or a work of art. A project will eventually be completed, and something will be produced by it.

Kickstarter does not allow projects to fundraise for charity or offer financial incentives. Check our rules for more details.

What are the basics?

A project is a finite work with a clear goal that you’d like to bring to life. Think albums, books, or films.The funding goal is the amount of money that a creator needs to complete their project.

Funding on Kickstarter is all-or-nothing. No one will be charged for a pledge towards a project unless it reaches its funding goal. This way, creators always have the budget they scoped out before moving forward.

A creator is the person or team behind the project idea, working to bring it to life.

Backers are folks who pledge money to join creators in bringing projects to life.

Rewards are a creator’s chance to share a piece of their project with their backer community. Typically, these are one-of-a-kind experiences, limited editions, or copies of the creative work being produced.

If you want to know more about how it works, try browsing around and looking at some of the projects on the site — you can start right here. If you’re curious about starting a project, our Creator Handbook can give you a great overview.

Why do people back projects?

Many backers are rallying around their friends’ projects. Some are supporting a new effort from someone they’ve long admired. Some are just inspired by a new idea, while others are motivated to pledge by a project’s rewards — a copy of what’s being produced, a limited edition, or a custom experience related to the project.

Backing a project is more than just pledging funds to a creator. It’s pledging your support to a creative idea that you want to see exist in the world.

I found the following information at https://www.kickstarter.com/help/faq/kickstarter+basics#faq_41846.

After reading the information above they all have pros and cons With bank loans you have to add the interest on to the amount you borrow which varies from each bank. Its  normally a set amount each month over a couple of years but this will depend on the amount you borrow. If you miss payments or default on the loan in anyway you risk losing your business maybe even your house as they will send out dept collectors to recover their money. You are at risk of being Bankrupt.

RESEARCH ON ORGANISATIONS WHICH MAY HELP SMALL BUSINESS.

Gov/business start up loans/grants.

A Start Up Loan is a government-backed personal loan available to individuals looking to start or grow a business in the UK.

With a fixed interest rate of just 6% per annum and the ability to borrow between £500 and £25,000, Start Up Loans offer an affordable source of finance to help new and early stage business owners bring their plans to life.

When reviewing Start Up Loan applications, we consider two core factors: your personal affordability and, just as importantly, the viability of your business plan.

And because we make it our mission to help you not just start up, but survive and thrive, our support goes beyond what typical lenders provide. We offer a range of free options for guidance, both during the application process and once you’ve secured the loan, to help put you in the best possible position to succeed.

Start Up Loans are structured on a monthly repayment schedule, based on a loan repayment term of between one and five years.

In addition to finance, all Start Up Loan recipients are offered up to 12 months of mentoring support and access to a range of special business offers.

An unsecured personal loan

Start Up Loans are unsecured loans, which means you won’t need to worry about putting forward any assets or guarantors to support your loan application. However, you will be required to repay the full amount and the associated interest in line with your loan agreement, if your application is successful. A Start Up Loan is not a grant*.

Supporting business partners

All owners or partners in a business are able to individually apply for a Start Up Loan. Each partner can apply for up to £25,000 each, with a maximum of £100,000 available per business.

Because Start Up Loans are personal loans that are used for business purposes, each partner is required to make a separate application and provide their own personal survival budget to demonstrate individual affordability. However, you can submit the same business plan and cash flow forecast.

It is also important to remember that no matter what happens with your partnership or business, if your application is successful but the business does not succeed, you will each be individually responsible for making your own loan repayments.

PRINCES TRUST

What’s involved in Enterprise?

Our aim is to help you become the best business owner you can be. Here’s how we do it.

Our Enterprise program helps 18 to 30-year-olds turn their big ideas into a business reality. With so much advice, guidance and support on offer for budding entrepreneurs, the program is broken down into four stages:

Stage 1: Meet the team

Attend a free information session to find out what our Enterprise program involves and how we can support you.

Stage 2: Explore

Come along to our free four-day workshop, which could even land you a Level 1 Award in Exploring Enterprise.

  • Day 1: An inspirational talk from a business expert, giving you the chance to think about your personal goals and skills. We’ll also spend some time discussing personal finance and exploring legal structures.
  • Day 2: What’s a great business idea without a plan to promote it? We talk marketing and selling.
  • Day 3: Let’s focus on finance, including dealing with HMRC, pricing and managing your money in a business.
  • Day 4: There’s no time like the present to begin thinking about business plans, so today you’ll start to consider your next steps.

Stage 3: Building your business

To plan and test your business idea, we’ll give you flexible one-to-one support to get started with market research, writing your business plan and considering finance. You could even gain a Level 2 certificate once your business plan is finished.

This is the time we’ll also tell you more about ‘Will it Work’ grants of up to £250 to test if your business is viable.

Stage 4: Launch

Ahead of your launch, you’ll present your business plan to our Business Launch Group whose job it is to ensure your idea is viable and sustainable.

Don’t worry, there are no dragons here. It’s designed to be a positive experience for you – and to ensure there are no weak points in your plan. If approved*, your mentor will support you for two years and you’ll get to enjoy a range of free and discounted business services support for three years.

There’s also additional start-up finance support if you need it, including:

  • Low interest start-up loans of up to £7,500, offered through the Start Up Loans Company
  • Small start-up business grants in special circumstances

If, at any point during the program, you decide self-employment isn’t for you, it’s not a problem; we can give you six months of mentoring support to help you understand where you want to be.

*It’s never our goal to set anyone up to fail but if the panel decides that your business plan isn’t ready, they’ll give you feedback to help improve it. You can try again or can still choose to do something else with your life – we’ll give you support for six months to help you find what works for you.

European Regional Development Fund logo

 

What are business angels and what can they offer?

Dragons’ Den has popularised the notion of being or seeking money from angel investors.

But what is an angel investor? While many know the faces of Duncan Bannatyne, Peter Jones, Deborah Meaden and a clutch of other successful entrepreneurs to have appeared on the show, there are 18,000 more of them.

The UK Business Angels Association estimates that these 18,000 business angels privately invest an average of £850m each year (more than two and a half times the amount of venture capital invested in a typical year).

In recent years it has been running its ‘Be an angel’ campaign to encourage more people with high disposable incomes or accumulated wealth to consider the merits of becoming an angel investor.

If you’re an early stage start-up looking for funds, an angel investor could provide you with the capital you need to launch your start-up. But how does angel investment really work and is it right for your business?

What is a business angel?

Business angels are affluent and wealthy individuals who invest their personal capital in start-up companies (that are typically early-stage) in return for an equity stake.

Most angel investors expect to see a return on their investment of between two and 40 times their investment within three to eight years and some will take an active role in the investee business. This potentially means sitting on your company’s board or acting as an advisor whilst others may want to become sleeping partners and simply provide your business with capital.

Research carried out by business innovation-focused charity NESTA and the UK Business Angels Association suggested that business angels in the UK typically make 22% IRR (internal rate of return) on their deals. The Siding with Angels report found the figure was 27% IRR in the US.

The term business angel covers a wide range of individuals investing varying amounts of money at different stages of business development. In general there are six different types of investor:

  • Virgin. Has not yet invested
  • Latent. Has not invested in the past three years
  • Wealth maximising. Experienced businessmen and women investing for financial gain
  • Entrepreneur. Backs businesses as an alternative to stock market investments and often for the love of entrepreneurship
  • Income seeking. Invest for income or to gain a job
  • Corporate. Companies that make regular investments, often for majority stakes.

Arguably, you could add a seventh. Crowdfunding via equity-based sites such as Crowdcube, Seedrs, and Bank to the Future, has made it possible for pretty much anyone to put some of their savings into fledgling ventures. You can find out more in our crowdfunding A-Z directory.

If nothing else, crowd investors help to top up more serious investments from business angels who see it as more of a profession.

When thinking about what type of angel investor is right for your business – it’s important to think about exactly what you’re hoping to achieve from any investment.

Marketing

I used the internet to look up make up artists in the west wales area, there are lots of makeup artists out there but not all are qualified or do hair as well.
Here is a list of some I’ve found and a little about them.
Emily Porter Makeup Artist
28A St Helen’s Rd

Swansea

Email me: e.porter89@live.co.uk

She is a qualified freelance makeup artist and will travel national and works a lot in London.Shes does a lot of film, TV and photo shoot work along side occasional make up, bridal packages and make up lessons.

Trial (allow 2 hours)

Bride – £40

Bridal Party – £35 per person this is done 4/6 weeks before wedding.

Bride – £55

Bridal party – £35 per person

Flower girls/ bridesmaids under 14 – A free touch of colour if needed.

For bookings for bride only:

Bride – £80 and these prices are for the day of the wedding.

Her page is very professional and a great layout easy to find all the information you need. There is a lot of information and very helpful, it also tells us about her training and what sort of work she has done and how far she is prepared to travel for work.

Lucy Cartwright web page doesn’t say were she is based.

lucy@lcmakeup.co.uk

Bridal trial: £30
• Bridal wedding day: £50
• Bridesmaid trial: £20
• Bridesmaid wedding day: £30

The image in her Porfirio are meant to be wedding photos but they look more like bridal photo shoots. A very basic website not much information on where shes based or how far she travels. I could only find information on weddings i have no idea if she does anything else.

. Web site looks good but the picture are not that great.

Rhiannon Prichard is from Llandudno fully qualified and 16 years experience

hello@rhiannonpritchard.co.uk

facebook.com/rhiannon.makeupartist

She covers these following areas:

Conwy : Llandudno : Llanrwst : Seiont Manor : St Asaph : Denbigh : Portmeirion : Prestatyn : Plas Maenan : Ruthin : Rhyl : Abergele : Tre Ysgawen Hall : Betws Y Coed : Deganwy : Quay Hotel : Rhuddlan : Colwyn Bay : Penrhyn Bay : Nant Gwrtheyrn : Holywell : Mold : Flintshire : The Outbuildings : Gwynedd :  Bangor : Plas Rhianfa : Llangefni : St Georges Hotel : Holyhead : Anglesey : The Imperial Hotel : Beaumaris : Porthmadog : Bangor University : Caernarfon : Menai Bridge : Clwyd : Towyn : Tros Yr Afon : Buckley : Deeside : Flint : Barmouth : Abersoch : Nefyn : and many more …..

price list

  • MAKE UP
    • Bridal Trial
    • £40
    • Bridal On the day
    • £60
    • Bridesmaid/Mother
    • £40
    • Flower girl/Young Bridesmaid
    • from £5 *
    • Make-up lesson (one to one)
    • £50
    • Special Occasion
    • £35
    • False lashes
    • £6.50
    •  In her gallery she had before and after shots of the bride i liked this idea. I liked the look of this website look professional well laid out i could find everything i wanted too. She is happy to travel for jobs and does other makeup not just bridal.

The Module Outlines.

In this module i will be making a creative business by understanding the structures of small business. I will be making a web site, business cards,blogging and a gallery of my work. I will also be learning about other business in my area that i will be competing against for work, spreed sheets, Tax,VAT, NI also what funding and resources are out there. Designing a logo for invoicing also some photography work for the gallery.