This month's headlines share a common thread: shifting rules and looming deadlines.

Student loan interest rates have risen across every repayment plan, while HMRC confirmed that more than four in ten expected filers had still not signed up for Making Tax Digital ahead of the first quarterly deadline.

Meanwhile, the new Chancellor has set his first Budget for 28 October, and revised VAT capital goods scheme rules have already come into force, easing the burden for smaller businesses buying or refurbishing property.

Individually, these stories touch on borrowing costs, tax compliance, government policy and VAT administration. Together, they point to a wider picture: the rules that shape household and business finances are moving, often with real deadlines attached, and staying ahead of them is what protects you from being caught out.

If any of this feels relevant to your circumstances or your business, we're here to talk it through.

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