Are You Ready For MTD (Making Tax Digital)? | S07E06

The new MTD (Making Tax Digital) regulations start at the beginning of the new tax year 2026/27. Are you ready? Do you know what it means? Why are HMRC doing this?

NOTE - Nothing discussed in the show amounts to official advice, we are not qualified tax advisors, always seek your own advice from a qualified accountant.

I'm joined by the infamous "Bargain Bell" for this podcast.

Plus the usual honest interactive reseller chat you've become accustomed to!

My YouTube channel - https://www.youtube.com/@CarBoot_Chris?sub_confirmation=1

My Website - http://www.carbootchris.com

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Transcript

SPEAKER_00 0:04

The new making tax digital regulations start at the beginning of the new tax year next week. Are you ready? Do you even know what it means? My name's Chris, aka Carboot Chris, and I'm a full-time UK online reseller. I operate mainly on eBay but also on vintage and whatnot. I'm bringing you regular podcasts all about reselling with a bit of fun thrown in too. Hopefully to keep you company to entertain you and maybe a little bit of education. Who knows? Welcome to the Everything Reselling Podcast. The weeks are flying by as always. Welcome back. Um, thank you for joining us here on YouTube. Or if you are listening on one of the audio channels like Spotify, maybe, or Apple Music, or maybe it's Amazon or Alexa, then thank you so much for clicking to listen to this today, wherever or whenever you are listening to it. So welcome to all.

SPEAKER_03 1:17

Hello.

SPEAKER_00 1:17

Belle's here and all. She is here, yeah. Just in case you don't know who I am, you've probably heard the intro anyway. Mam Car Boot Chris, or just call me Chris.

SPEAKER_02 1:26

Or just car boot.

SPEAKER_00 1:28

Oh well, whatever.

SPEAKER_02 1:29

I'll just care, I'll just boot. Councils to anything.

SPEAKER_00 1:32

Not sure about that one. Yeah, I'm a full-time reseller, buy and sell stuff, flip it online for a profit, and that's what I do to make a living. I do it on a full-time basis. That's how we pay our bills, our mortgage, our holidays, our well, maybe not our gas or electric much anymore. I might have to get I might have to get a side hustle to the hustle to pay our gas and electric bills. But Belle actually has a real job, don't you?

SPEAKER_04 1:54

I do.

SPEAKER_00 1:55

And she started back at work this week, haven't you? Do you want to give a very brief update? When I use the word brief, in all future shows, including this one, it it means a fairly quick update.

SPEAKER_04 2:09

You might need to look that up yourself, the way you waffle on sometimes, okay. I actually started back last week. Thank you, dear.

SPEAKER_00 2:18

Okay, that's it. Thank you very much for that update.

SPEAKER_04 2:21

Yeah, I'm only on phase return, so I'm only doing four hours a shift at the moment. But yeah, it's good to be getting back to some form of normality. Did you enjoy my alarm going off at quarter to six this morning and me getting out of bed at half past six?

SPEAKER_00 2:37

I didn't hear that one, to be honest with you. But I know you're getting up early tomorrow because bells organized are too good to go from Greg's at half past six in the morning. I can't understand. What are they giving away at half past six?

SPEAKER_04 2:49

Whatever they couldn't get rid of this tonight.

SPEAKER_00 2:51

Why isn't it gonna be a bit more?

SPEAKER_04 2:52

I don't know, we're gonna find out it's only cost me$2.99.

SPEAKER_00 2:56

Well, you're going for that, I'm not.

SPEAKER_04 2:58

And it's an incentive for me to get up early in the morning because my plan is, unbeknown to you, hence the fact you were still in bed when I did your drink this morning, dear. My plan is to get up at half past six every day to give myself an hour before I have to start work.

SPEAKER_00 3:14

And you know what? I should do the same, and we should use that time to go for a walk with the dog. Especially now it's getting warmer.

SPEAKER_04 3:22

We will do, but it's wet and windy at the moment.

SPEAKER_00 3:24

I know it's horrible at the moment. It's wet and windy at the moment. Anyway, guys, we digress. Belle's gonna say hello to as many people as possible who's live in the chat today here on YouTube. Get your hellos in. You've got one minute, and Belle's gonna say hello to all of you if she possibly can. Just hang on a second. And there we go.

SPEAKER_04 3:44

Uh Jamie D, Angel Delight, Kevin Hawthorne, London Jeffreys, uh Cavallis, Helen Graham, Deborah Sardine, Rosie Martin, Carol Harris, Sharon Island, Angel Delight. We've said you twice, but there you go. Uh Mark Hill, uh, El Ravente, Jeff Davis, Lisa, Nothing Major, Tracy Davis, Liz, um Dylan.

SPEAKER_00 4:16

That's a new name.

SPEAKER_04 4:17

That's a new name. Uh Fluffy the Muffin, John Parker, Pumpkin Picker, uh Colin Lingus, Richard Pay, Vinyl Nutter, Collection underscore paradise.

SPEAKER_00 4:32

That's a new name.

SPEAKER_04 4:33

Um, they always said hi to me. I don't like you. Um Sandra Parker, Heavenly Boots, and I think I've already said Chris Tyler, but Chris Tyler, yes again.

SPEAKER_00 4:43

That's it, that's your minute gone. That went quick, doesn't it?

SPEAKER_04 4:46

And I got to the bottom.

SPEAKER_00 4:47

You did. Well done. Just let me just swing back around to Collection Paradise.

SPEAKER_04 4:55

Wamp of the girls, one for the girls.

SPEAKER_00 4:58

Uh welcome. That's a new name. So welcome to you. And I spotted another new name who said they come from Spotify. Where was it? Where was they? Dylan. Them there. There we go. Dylan. Finally able to make a live one and not on Spotify. Well, welcome to you. Thank you very much.

SPEAKER_04 5:19

You can compare the two now and see whether it was worthwhile trying to capture us lives, can't you? Definitely. Thanks for joining us.

SPEAKER_00 5:25

Yeah, let us know how it goes. What do you prefer? Like at the end of the show, Dylan. Here's your challenge. At the end of tonight's show, if you're still here, you still made it to the end and you haven't fallen asleep like people often do. Let us know what do you prefer? The Spotify or the audio version, or do you prefer watching here and being able to interact? Because that's the bonus, isn't it? You can you can chat to us live while we're here on YouTube.

SPEAKER_04 5:52

Or maybe not.

SPEAKER_00 5:53

Or maybe not. If you don't want to, it's fine.

SPEAKER_04 5:54

Are we going to come back to Jamie D? Jamie D's uh made a point about the main chat.

SPEAKER_00 6:00

Oh, okay. Let's have a look. And Jamie D says, evening Bell, Chris, and everyone. MTD seems pointless, as whatever is submitted doesn't apparently need to bear any relation to your final end-of-year submission. I'm leaving it to my accountant. Yeah, fair dudes if you've got an accountant. But we'll come to that in a bit. We'll talk about in a bit, Jamie.

SPEAKER_04 6:18

Collection Paradise is Dylan. Oh. Sorry, Chris, just finishing up to watch it. I've been catching up on Spotify for six months. I'm the Dylan accountant.

SPEAKER_00 6:26

Oh, okay. Well, at least you've given us two views then. So nice one. Um, yeah, we'll come back to that, Jamie. Very, very soon we're going to talk about this making tax digital malarkey. Whilst we're here, actually, I'm just going to remind everybody that neither of us, and as far as I'm aware, no one in the chat is a tax expert. Right?

SPEAKER_04 6:50

I certainly am not.

SPEAKER_00 6:51

So, with that in mind, please, please, if you've got any serious questions that you need answers, answers to, always seek proper advice from an accountant, a qualified accountant, rather than listen to us, because we may get it wrong. I'll tell you the things that I do, and people in the chat will tell you what they do. But ultimately, if you've got any serious questions that you need answering, then please get proper advice.

SPEAKER_04 7:18

And most of the time an expert. Find an expert.

SPEAKER_00 7:21

But most of the time you can get that advice for free. You can at least get half an hour or an hour for free with an accountant if you don't have one already. Okay? There's our little disclaimer, okay?

SPEAKER_04 7:30

Lin Linner said hi and said, has Cookie's cough got any better?

SPEAKER_00 7:34

Slightly.

SPEAKER_04 7:34

Slightly. Oh, we need an update for Cookie. I was about to do it. Okay. Yeah. Last week Cookie went into the little animal hospital up in Liverpool and she had a what did she have? She had a C T another CT scan.

SPEAKER_05 7:50

Yeah.

SPEAKER_04 7:51

She had a bronchoscopy. A bronchoscopy, so she had a camera down her throat. She had a what's that thing you called with the fluid?

SPEAKER_00 7:59

B A L.

SPEAKER_04 8:00

A B A L where they pull like fluid out and test it. She had blood tests, done. We're waiting for a couple of results.

SPEAKER_00 8:06

She had a poop test.

SPEAKER_04 8:07

Yeah, they tested a poop. So they literally covered everything in one go.

SPEAKER_00 8:13

Did a lot.

SPEAKER_04 8:13

They did do a lot.

SPEAKER_00 8:14

They're very good, actually.

SPEAKER_04 8:16

Uh we've been very impressed, very, very impressed. And ultimately, we've got the diagnosis, which we were already on the way to previously, of she has chronic bronchitis. Uh so basically she's got doggy asthma.

unknown 8:29

Yeah.

SPEAKER_04 8:30

And she's now got a human. If anybody has ever had a kid that's had asthma, she's got one of the little tubi inhaler thing and the little inhaler that you stick on it with us. So she's got a mask on the end. And it's basically a just a human, is it flixotide if anyone's asthmatic? And so far, we've seen some improvement, haven't we?

SPEAKER_00 8:54

Yeah. She has it at nine in the morning, and it definitely helps her. We're not being really kept up at night at all, have we? No.

SPEAKER_04 9:02

She's still coughing.

SPEAKER_00 9:03

Yeah, she's still coughing. And it's important to note the vet did tell us that this is not a cure.

SPEAKER_04 9:08

We can't cure it, there's no cure. There's no cure.

SPEAKER_00 9:10

She is always going to have a cough at this point now. However, it's about managing it and it's about easing it a little bit. And so far, this inhaler has done its job.

SPEAKER_04 9:22

Yes.

SPEAKER_00 9:22

So fingers crossed that it carries on.

SPEAKER_04 9:24

And she's not really having any side effects apart from she's already a fooder. She wants to eat everything inside.

SPEAKER_00 9:31

Yeah.

SPEAKER_04 9:32

But we've not struggled teaching how to use the uh the mask. We figured on day one that if we drop treats in the front of the mask, she quite apply sticks her head in there until she's found the treats.

SPEAKER_00 9:43

It works well, doesn't it? She's already found it to be a game now.

SPEAKER_04 9:47

She thinks it's a game now. She gets dead excited when you get it out. She's like, Oh, I'm getting food. So yeah, so there we go. We have an asthmatic dog.

SPEAKER_00 9:55

Yeah, so there's the updates. And Ross El Reventer said, I've just jumped over from Rachel's eBay Live. She was cursing at not having entered the duck race. Oh, did you shouted it out? I think she did enter it late. I thought she entered it last week, like after the show. Anyway, yeah, Rachel was on eBay Live, her first ever show this evening. I think she was on at six o'clock, so I don't know if she's still going, but yeah, so that's good. Good luck to Rachel on that.

SPEAKER_04 10:20

Good luck, Rachel. Just seen a few comments there, just that the cookie thing, she needs to back in smoking, no more overpowering perfume. Do you know what? It's one of the things that we've one of the processes we've already gone through, which is we minimise any strong smells in the house.

SPEAKER_00 10:36

So we apart from Bell's trunks, which we can't do anything about, unfortunately.

SPEAKER_04 10:41

Thanks for that. Yeah, so things like plug-ins and sprays in the house, and I love a good candle, love a good candle, and I can't have them on anymore.

SPEAKER_00 10:51

To be fair, right? Candles actually poison us all in the house.

SPEAKER_04 10:55

I don't care. I like them, they smell nice.

SPEAKER_00 10:57

They poison us. It's not good for any of us.

SPEAKER_04 10:59

If it's if it's done slowly, humans or dogs. If it's done slowly, I don't care.

SPEAKER_00 11:03

Yeah.

SPEAKER_04 11:04

But anyway, we can't have them anymore. So don't more buy me candles.

SPEAKER_00 11:09

No, I'll never do anyway. Uh vinyl Nutter says AI will be doing the tax soon. Already does some of mine, vinyl. Chat GPT helps me with the gross-up amounts for eBay every week. And there's already AI elements on QuickBooks where it's sort of you could it will auto do certain things automatically. You can set rules and stuff up using AI. So yeah, it's already halfway there. Uh but it's been very useful for me. Bofix, they specialise in reselling, and their advice is fantastic. Also, didn't you do a video with Aaron? Yes, I did a video with Aaron. He's actually on one of the podcast episodes. So if you're listening or watching and you want a bit more of an in-depth chat about he's put the link in. Oh, okay. Thank you, Ross. If you want a bit more of an in-depth chat about tax and reselling, maybe you're new and you're not sure how it all works, then go and check out the podcast on that.

SPEAKER_04 12:15

Emsden's joined us. Hi Emsden.

SPEAKER_00 12:17

Hi Emsden. Life of Lana's in the Irish Lana.

SPEAKER_04 12:45

Jeff says you should move to a place with perfect air like Aspen for Cookie's health.

SPEAKER_00 12:52

Isn't Aspen like high up in the mountains? It might be too thin, the air up there. Rachel's still going on YouTube live. Wow. We've got a YouTube live tomorrow at 6 p.m. But I'll talk about that to in the second half of the show.

SPEAKER_04 13:08

Hi Lucy, she's going to bed shortly. She's had a long shift at the charity shop. Hope it's going alright. Hope you're enjoying it.

SPEAKER_00 13:14

Hope you're managing to snap up some bargains.

SPEAKER_04 13:17

Chris, pop Rachel up so we can watch her.

SPEAKER_00 13:21

Put it on another, put it on one of your other devices. I'll end up with um a uh copyright strike.

SPEAKER_04 13:28

Manuka Honey is good. We've tried that. We tried it, Lynn Lynn. She was on Manuka Honey as one of the first things that we tried.

SPEAKER_00 13:36

It talked a little bit occasionally, but no real evidence of it truly helping.

SPEAKER_04 13:41

It was it was a hit and miss where it had. If if a cough wasn't too bad and we gave it her, it was alright, but when a cough's really bad, it does nothing. Because we also tried what was the other one, coconut oil with it. We tried it melted, we tried it just on a spoon, we did all sorts, didn't we? We tried it with hot water.

SPEAKER_00 14:00

Yeah.

SPEAKER_04 14:01

You take with the bathroom and sauna.

SPEAKER_00 14:03

Yeah, she has a sauna with me in the bathroom. Yeah. We had um little things that help very small, but on the whole don't have much effect on it.

SPEAKER_04 14:14

Yeah. Codeine, she's been on and off codeine, but that really knocks her out.

SPEAKER_00 14:19

Yeah. Collection Paradise said it's taken me six months during my nine to five to listen to every one of your podcasts. Only last Thursday or Wednesday I realized you were back and doing live, so I thought I'd jump on this one. Oh nice one. Thank you, Dylan. Hope you enjoy it.

SPEAKER_04 14:41

But we do we use them.

SPEAKER_00 14:43

I know, I know. Lucy, go on UV Lucy's out.

SPEAKER_04 14:49

I'm enjoying what's that?

SPEAKER_00 14:53

I'm enjoying.

SPEAKER_04 14:54

I'm enjoying and got some bargains. Maybe show a few in my live stream tomorrow morning, 10 till 11, but going again Wednesday and Friday as I'm sorting the kids' toys and Easter holidays. That's good. That would be nice, yeah.

SPEAKER_00 15:09

Have you tried different dog foods? Said vinyl nutter.

SPEAKER_04 15:12

We've asked about it being an allergen. Basically, what they said to us with this is that it's so varied what the allergens could be. It's like a minefield. So that's why they did the pulling out of the fluid stuff. And basically, they found a bacteria in there that is linked with chronic bronchitis. So that's what they're putting it down to.

SPEAKER_00 15:36

It's the first time, to be honest with you, in the sort of almost two years that she's had this that we've actually had a positive, like they've definitely found this bacteria, and they saw some on the C CT scan in the lungs, didn't they?

SPEAKER_04 15:49

Yeah, causing a bit of spinning in the lungs.

SPEAKER_00 15:53

So it's almost although we haven't had a result back from that other test. It's only the poop. Yeah. They were testing for lung worm, weren't they? Yeah. But he said it's unlikely because another test she passed, so it's unlikely. It looks like it's bronchitis, and we just gotta live with it now.

SPEAKER_04 16:08

They ruled out things like a collapsing trachea, which was good, because that can happen in older dogs. They've ruled out it being anything cancerous. So yeah, they've they've they've really been really thorough, sorry.

SPEAKER_00 16:23

Oh I've lost a mic.

SPEAKER_04 16:26

Oh, it's in my in between my boobies. I should have said it's in between my one and a half boobies. There we go.

SPEAKER_00 16:34

Turn it around. That's it. There we go.

SPEAKER_04 16:38

But yeah, they've been so thorough with her. It's it not that we've been unhappy with Animal Trust, because they have been really good, but these guys really expertly. Yeah, they really went to town and made sure they covered our all sort of areas.

SPEAKER_00 16:53

It's like Animal Trust is like the going to the NHS and this this place is like going private. They've really gone to town on it. Like they've they've covered every single base possible. The Animal Trust can only do so much, you know, before they have to refer you somewhere else. Anyway, shall we talk about this making tax digital?

SPEAKER_04 17:14

Uh, Bell is absolutely you can talk about it because I've got no, I know no idea.

SPEAKER_00 17:18

Well, you're going to learn something today, then aren't you? Oh, great, yeah, yeah. Let's talk about making tax digital or MTD because it's actually really important because it's going to affect probably quite a few of us from next week onwards. So for the start of the new tax year for 26-27, it's going to attack it's going to affect quite a few of us. And then it'll affect even more of you next year for the 2027 onwards. Now, I'll repeat again, just very briefly, I'm not a tax expert. All I'm doing is going off what I have read and also what I've done myself to prepare for this MTD stuff, right? If you want specific answers, please seek professional advice. So basically, this year, if you're turning over over 50k, then you have to start this making tax digital from April this year, the new tax year. And if you're turning over over 30k, you'll fall into next year. So over 50k from this April, over 30k from next April. I think that might be the only two brackets, but correct me if I'm wrong on that. If you're a limited company, you don't need to worry about it. It's turnover. So you're complete turnover. If you're a limited company, you don't need to worry about it because you're already complying and you've already got an accountant more than likely dealing with it all. And also, if you've got an accountant and you're a sole trader and you're not limited, then chances are your accountant is going to already be advising you on this anyway. So what does it mean for us? So basically, it means a couple of things. The two big things are that you'll have to start using a digital form of reporting, of accounting. So you'll have to use QuickBooks or Sage or Xero or one of these things, right? You can't just use a spreadsheet anymore. Although I believe there is such a thing as a bridging software that you can use that will that will do something between some some kind of accounting that isn't digital and potentially sending it to HMRC. But I don't know much about the bridging software thing. I'm not even going to go down that route.

SPEAKER_03 19:43

Tap Petal says he's ditching QuickBooks and moving together.

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(Cont.) Are You Ready For MTD (Making Tax Digital)? | S07E06

SPEAKER_00 19:46

Okay, I considered that as well. So you've got to use something digital. There's no more spreadsheets anymore. You can't do it by hand. You can't have a spreadsheet on your computer anymore. Or you can, but you you can't submit your taxes like that anymore. So it's got to be digital. And also you've got to submit quarterly, like soft returns, basically. So I don't know how that's going to look until we're actually asked to do the first one. I'm hoping it's fairly simple. But whatever software you're using or your accountant will know, you'll have to submit a quarterly report to HMRC about where your profits are, basically, what your profits are doing, your income and your expenditure. I'm guessing it's going to be fairly basic. I don't know for sure though. So you have to do that quarterly and then do your proper self-assessment at the end of the tax year as normal. So they're really the only differences. You've got to use something digital, you've got to do quarterly returns, and that's pretty much it. Everything else is the same. So it's not really anything to worry about. The thing that I've had to do is I was using QuickBooks Self-Employed. Now, QuickBooks Self-Employed is being phased out, and it's not supporting making tax digital. So if I was to carry on using that over this next year, I wouldn't be able to submit my quarterly returns directly to HMRC. I'd have to have an accountant to do it for me, I'd have to pay someone to do it, or I'd have to look at this bridging software. I'm not doing any of that. So what I did is I've upgraded my QuickBooks to QuickBooks Soul Trader Plus. And that you can do your quarterly returns on. And as far as I'm aware, you don't need an accountant to do it. You can do it within the software.

SPEAKER_04 22:06

Lisa says she uses Zero. How does it work? Does the software you use send the info to HMRC?

SPEAKER_00 22:13

I don't I don't know for sure how that works. I don't know if they're gonna if there's a button. I've not even seen a button on the accounting software that I'm using yet. I'm assuming that you're going to have to put in your HMRC, what do you call it, your number, your self employment number, into somewhere on the software, and you'll you'll just have to submit. I've I've not seen how the mechanics of it work yet. There's there's nothing on QuickBooks Soul Trader Plus that I've seen that does that yet. But I'm guessing once the new year, new tax year kicks in, there'll be something there that we have to fill in and click send and it'll go and it'll connect to your uh HMRC account, your self-assessment account. I I assume that's what will happen.

SPEAKER_04 23:00

Speed says I'm well under the 50 grand, so going to find this year interesting watching how people deal with it.

SPEAKER_00 23:06

It's probably useful to watch from afar and then you'll know what to do. If you're over 30 grand next year, then it'll be you next year.

SPEAKER_04 23:14

Collection Paradise says they're under 52, so they'll stick with their usual ways and see what others do. Elrevent says they're a limited company, so dodging MTD, but I would be okay with it's harder work. Try but I would be okay with it. It's harder work trying to do it all at the end of the year. As you say, nothing to worry about. HMRC aren't as big and scary as people think. No, definitely not.

SPEAKER_00 23:38

I've never had a bad experience with with them at all. I've I've rung them up often and asked questions and stuff.

SPEAKER_04 23:43

It says with HMRC, if you're trying to do the right thing, you talk to them, they're all good. I used to do facilities management for the tax office. They are the cop they are that they are as competent as you or me. They're only human.

SPEAKER_00 23:56

Yeah.

SPEAKER_04 23:57

Lisa says she's not seen any buttons or anything on zero yet.

SPEAKER_00 24:02

I think one of the I think one of the benefits of actually being forced to do this and go digital. A lot of people are really against going digital, aren't they? Like some old school resellers who are still using spreadsheets and stuff on their computers, and then they manually do their self-assessment at the end of the year. And that's all good and well. But I think one of the benefits of this is it helps you, and I think this is one of the reasons why HMRC are doing it, is that it helps you keep bang up to date on a regular basis, ready for your final self-assessment that goes in at the end of the year. A lot of people leave that, leave that stuff right till the last minute and they've got a lot of catching up to do. I think part of it is to encourage people to be up to date throughout the year so that there's not a big surprise at the end. There's not a big tax bill because you're going to know roughly what your bill is as the year goes through, aren't you? If you're submitting quarterly returns. Yeah. I'm not going to lie to you, it's tricky. If you're on self-employed right now, it's a completely different product to Soul Trader Plus. Soul Trader Plus is more complicated to use. Now, what I would recommend you do, I pretty much got to grip to it now. It's taken me a while because self-employed is so easy. It's such a good product, and it's so easy to use. It's a cinch, it really is. What I would advise you to do is what I've been doing is I took out my subscription to Soul Trader Plus a month before this tax year starts. So for this last month, for the whole of March, I've been running two accounts. I've been running my usual self-employed account because I need that to carry on to finish this tax year. That's the most important thing. But also, I've been doing all the same transactions. I've been pulling in my bank account on the new Soul Trader Plus as well, because it gives me the opportunity to understand how it works. I can mess up, I can, I can delete things and not worry about it. And then when I'm ready to go on the what is it, 6th of April or whatever, I will then start doing everything on Soul Trader Plus, and I'll stop using self-employed, but it's a learning curve. I'm not going to tell you it's easy, it takes a bit of time. However, the good thing is about Soul Trader Plus is that the accounts are in more detail. Like on self-employed, all your income is just income, sales, right? You can't name accounts. You can't have a you don't have a chart of accounts on self-employed. Like when chart of accounts is all your different categories. You don't you have very basic categories on self-employed, but sole trader, you can name your own account. So now when I start the new tax year, instead of just sales, I've got eBay sales, vintage sales, whatnot sales, private sales. I've got all these, I've got YouTube income, YouTube sponsorships, anything, any kind of income. I've got it categorized. When it comes to the end of the year, I'm going to be able to see very, very clearer, much clearer than self-employed, what my accounts are looking like, where my income is coming from. At a glance, I'm going to be able to know what my income streams are. And also my costs. So I'll be able to categorize vintage fees, eBay fees, whatnot fees, any other, you know, you can create your own, you can make them up, and that's great. And you couldn't do that on self-employed. It's a massive bonus.

SPEAKER_04 27:45

A secret cap, it's just got bofficks to do them all, can't be asked with a hassle.

SPEAKER_00 27:50

Fair enough.

SPEAKER_04 27:51

El Raventa said, I did hear today that HMRP HMRC are swamps with everything, so they're taking a while to fulfill all requests.

SPEAKER_00 27:58

That's it, UTR number, yeah.

SPEAKER_04 27:59

Rachel, fantastic has joined us. Hi, Rachel.

SPEAKER_00 28:02

I hope your eBay live went well. Let us know how it went.

SPEAKER_04 28:07

Richard Payne says I was using QuickBooks self-employed, but switched to using a combination of Monzo and Sage now.

SPEAKER_00 28:13

Okay, interesting.

SPEAKER_04 28:17

So yeah.

SPEAKER_00 28:18

So yeah, that's kind of where I'm up to with it. I'm ready to go with it now. Like on the new tax year 2627, which is next week, I hopefully should be ready to comply with all that and I'll be completely on my new software. And hopefully it'll go okay. I'm actually looking forward to getting over to it, to be honest with you, because like I say, it's a better product, it's more complicated to use, don't get me wrong. It is more complicated. But with that comes those benefits of a much more detailed set of accounts at the end of the year. You're going to be able to see where all your costs are, and you're going to be able to see where all your income is. At a glance, it's going to be very, very clear. So I'm looking forward to seeing that like at the end of the year. I think as well, like HMRC, fewer errors. I think, I think by submitting things on a regular basis, HMRC will see less errors, less tax dodging. They're going to be out of it's like Big Brother looking at you, innit? Like, I want to I want live data like where your business is at four times a year. But overall, I think it's it's probably a good thing from our point of view. It will force us to keep up to date and not let things get too far behind. And also, it's not as big a surprise at the end of the year when you submit your tax returns. In fact, you have to do it, you have to look at your how much you owe in tax twice a year, don't you, most of the time? But it's not such a big surprise when it comes at the end, is it? I think I think that'll help.

SPEAKER_04 29:58

Rachel said that her show went well.

SPEAKER_00 30:01

Good, good. That's excellent.

SPEAKER_04 30:03

And just going right back up just before you start that chat. Saying we need to send some love out to Liz Scotty dog. She said that she's nursing her little Scotty dog who's end stages of liver cancer. So she's been sleeping on the sete for a month. Oh, YouTube keeks are going.

SPEAKER_00 30:20

Oh, cranky. I'm sorry to hear that, Liz.

SPEAKER_04 30:22

Yeah, that's so sad. And it must be so difficult to see your little fur baby like that.

SPEAKER_05 30:28

And yeah.

SPEAKER_04 30:29

But at least you're there. That's the best thing we can do as dog parents is be there at the end with them when they've given us so much love, haven't they? Give it right back to them. So yeah, sending big loves to what's your Scotty dog called? What's his he, she called.

SPEAKER_00 30:46

Yeah, sorry to hear that. It's not nice, is it? But you like Belle said, it's good to be there for your doggy.

SPEAKER_04 30:52

Yeah. At least you're there. Where are we up to? Big Hardman says the government love to see and know all your income to tax the hell out of it, but we want to know where they spend it, and they don't like to disclose that infamy.

SPEAKER_00 31:06

No, we won't get into that, but yes, yes, they love to see and know all your income to tax hell out of it. But at the end of the day, if you're all legit, those those quarterly returns and then your final self-assessment at the end, it's gonna be the same.

SPEAKER_05 31:24

Yeah.

SPEAKER_00 31:24

My my self-assessment at the end of the year will be exactly the same had I done quarterly returns or not. It would be no different. It's gonna be the same thing.

SPEAKER_04 31:35

True that, true that. Richard said, at least HMC aren't going to fine us if fine us if us guinea pigs who have switched this year make mistakes are relate on deadline.

SPEAKER_00 31:50

Oh, have they said that, Richard? I've not seen that. Have they said there's gonna be some like leniency this year? I would like to think there would be because it's all new to a lot of people, isn't it?

SPEAKER_04 32:00

Collection Paradise says I'm training in computing. I've made a detailed spreadsheet myself doing all this stuff and for free. Going to be a pain going to a company to do just the same. To be fair, there's a lot of people that are very spreadsheet oriented, yeah. So it's going to be difficult for a lot of people.

SPEAKER_00 32:18

I cannot stand spreadsheets, I'll be honest with you. I cannot stand them. I've got no time for them at all. Mainly because I don't know how to build them. But now, now you know AI's in. You can have AI like build you a spreadsheet. Is it falling off again?

SPEAKER_04 32:34

No, someone said they can't can you hear me now? Someone said you can't really hear Bell. That's not such a bad thing, to be fair. Do you know what it is? He's talking that loud you can't hear me.

SPEAKER_00 32:43

But spreadsheets, you can get AI to give you the formulas and stuff now, can't you? And build these things for you. It's it's very easy. But back in the day, like about six months ago, you couldn't do it.

SPEAKER_04 32:55

He said uh collection said I think quarterly will be different come the end of the year. Tax, I spend like hell. What if they start doing quarterly bills?

SPEAKER_00 33:04

I don't think they're doing that. They've not said they're doing quarterly bills, they're just what they're just asking you to submit where you are at that point in time, and then your self-assessment at the end of the year is going to be the same.

SPEAKER_04 33:15

Oh, little Scotty's called Millie Moo.

SPEAKER_00 33:19

Millie Moo.

SPEAKER_04 33:20

Sending lots of love, Millie Moo, love and snuggles from cookie.

SPEAKER_00 33:26

Can you hear Bell a bit better now, by the way? Let us know if it's all okay. Keep still. She diddles the whole time. Stop diddling.

SPEAKER_04 33:40

It's a nervous thing. Stop it.

SPEAKER_00 33:41

You don't need to be nervous, you're amongst friends. At the end of the day, yeah, I mean, yet. I mean, if if you if you have to pay qu you already have to pay twice a year. Like you have to pay your ta you have to put your taxes up front in is it June or July, and then you do it at the end of the year. It's not what's the big deal about it? What's the big deal, right? If if somebody if you have to pay quarterly, I actually that would be better, because then it's not like big bills, it's four bills instead of two bills. I I don't really see the big deal of it. I really don't. Big big um big Zard man has said exactly, yeah, but they're still gonna get the same amount of money out of me over a year, aren't they? I'm not there to fraud anybody. So what does it matter?

SPEAKER_04 34:34

Final notice says QuickBooks has got has only has only got MTD software on it now to sign up to.

SPEAKER_00 34:41

Yeah, they've taken you can't sign up to self-employed anymore. They took that off ages ago. You literally can't use it anymore. You can't sign up to it. So it was always being phased out.

SPEAKER_04 34:52

Geordie Riesell has joined us.

SPEAKER_00 34:54

Apparently, still can't hear you very well.

SPEAKER_04 34:55

Sounds okay for me, Belle. Let's just it's only Sandra that can't hear me.

SPEAKER_00 34:59

All right, Sandra must be going deaf.

SPEAKER_04 35:01

Everybody else can hear me.

SPEAKER_00 35:02

Let's put you on the collar, that might help. Let's try that.

SPEAKER_04 35:05

Can you hear me now, Sandra?

SPEAKER_00 35:10

Uh Geordie Riesell has popped in.

SPEAKER_04 35:12

I know, I said hello to Rosa. Oh, did you say that? Yeah. I don't think we said hello to Rosie either. Hi, Rosa.

SPEAKER_00 35:18

Hi, Rosie.

SPEAKER_04 35:19

Lisa can hear me. There we go. Everyone can hear me.

SPEAKER_00 35:22

I keep saying collin. Collection. I'm getting to the stage now where I'm thinking of buying a van for work. If it's quarterly bills, I can't save for a year and then use it as an expense at the end of the tax year. Suppose, suppose. But you could if you if you didn't pay for it all in one go, you could pay for it on the drip and then drip feed it all the way through the year, like on a monthly basis. You could do that.

SPEAKER_04 35:52

How would you pay for yours if you got a van?

SPEAKER_00 35:56

I I wouldn't probably put I wouldn't put it through the business because it gets complicated. The only the only thing if you're a limited company, obviously you can buy a a car and put it to the business, but if you're a sole trader, it's a bit more difficult to do that. I probably wouldn't bother. I wouldn't bother, I'd just buy the van. I wouldn't put it through the business, because I'm not a limited company, so that would probably be too hard to do in my book.

SPEAKER_04 36:22

But you're getting closer and closer to needing one, aren't you?

SPEAKER_00 36:25

Yeah. Definitely. But it's dual purpose, isn't it? It's not just business purpose. It's dual, it's personal use as well. I mean, I claim all my all my petrol and stuff. I claim the mileage, which is wear and tear use of the vehicle and petrol as well. I wish they'd put that up. 45p, I mean, it's not relevant anymore, is it? 45p, how long's 45p been that what you can claim for your mileage? About 10 years, isn't it? It's been about 10 years, it's been 45p. I think all the time I've been reselling, it's been 45p. But it was like a quid for petrol back then. It's it's ridiculous now.

SPEAKER_04 37:10

Uh collection says I've got a personal car, but it's an MX Pfizer cap bit show boxing, a shoebox in there.

SPEAKER_00 37:17

Yeah, you won't get much in that.

SPEAKER_04 37:19

Rosie said Liberty Company can reclaim the tax the V80s.

SPEAKER_00 37:22

And there's also tax breaks, and I'm not a tax expert, but I believe there's also tax breaks if you go electric on a vehicle as well. On a van. If you go if you get an electric van or an electric company car, there can be tax breaks.

SPEAKER_04 37:36

So all trainers can claim up to 100% of a van, can't they?

SPEAKER_00 37:42

Uh I don't know. Because I've never looked at it, so I don't know. My my business wouldn't be able to afford to pay for a van on its own anyway, not at the moment.

SPEAKER_04 37:50

Lease a van, you can't.

SPEAKER_00 37:51

It could do, but it would skint me out. It would definitely skint me out. Uh Ross said you are much better not putting on the business. You can pay some of it on credit card or car finance, and you're covered by the Consumer Credit Act. Yeah, fair point. Yeah. If you put it for a business, it's different rules, isn't it? Sole trader can claim on the cards.

SPEAKER_04 38:19

I like the way tax man keeps popping in. You never give me your money, you only give me your funny paper.

SPEAKER_00 38:25

Is this Jeff again?

SPEAKER_04 38:26

Of course it is.

SPEAKER_00 38:27

Probably.

SPEAKER_04 38:27

We've had Tax Man in before. Jeff has a uh persona for every chat that's got eight.

SPEAKER_00 38:34

He's got eight different personas. Vinyl Nutter, Lisa Van, you can claim more back. Okay. Okay, I've never really looked at it.

SPEAKER_04 38:40

Richard said it's been 45p since 2011, 40p. There you go.

SPEAKER_00 38:44

I told you. I've been reselling as a business since 2015. It's always been 45p. Isn't it about time that went up a bit? I mean, come on, what happened to inflation? Right, if if we go off inflation, what is it, average 3% a year, which that's 10 years. It should have gone up at least 1p a year, 1.5p a year on 3%. So we should be on about 60p now if we'd have gone off inflation. We'd be rolling in it.

SPEAKER_04 39:19

Well, you don't need to worry about that if you're around here because all the petrol stations have got no petrol, so that's all good.

SPEAKER_00 39:25

Yeah, about a rough I'm not sure, you'd have to wear that out a month. Yeah, 60-ish, 65p, maybe, 60p, 65p. Plus plus fuel prices have gone up. Fuel prices have gone up, costs of maintaining a car have gone up, taxes have gone up. So why is it still 45p? Anyway, that's another argument, isn't it?

SPEAKER_04 39:47

A discussion, they're not arguments, they're discussions.

SPEAKER_00 39:50

It's an argument. It annoys me how that's 45p.

SPEAKER_04 39:55

Unless not got onto fuel anyway at the moment, it's a it's a sore subject.

SPEAKER_00 40:00

I know. So yeah, there you go. That that's kind of what all I've got really to say about the making tax digital stuff, unless anyone else has got anything. Is anyone actually like not prepared for this and they're about to start like next week in the new tax year? Are you is anyone over the 50k turnover and next week you're gonna be on making tax digital and you're not ready for it? Let me know in the chat. I'd like to know like what your plan is for it. If you've got an accountant, they're gonna sort it all out for you. It's not gonna be an issue. I don't have an accountant, I do everything myself, do all my taxes, all my accounts myself. And I quite like that, really. I just like having the control, I kind of quite like seeing everything. I like to do all my receipts and I like to see where I'm up to. One thing I don't like is spreadsheets. I hate them. Some people like keep, I mean, there'll be people in the chat now. Some people keep like reselling spreadsheets.

SPEAKER_04 41:04

Liz has just spreadsheets for daily life. Liz my sister has spreadsheets for daily life.

SPEAKER_00 41:10

I do not get the whole spreadsheet thing, but I just I just cannot be honest with it.

SPEAKER_04 41:16

Bill said, think yourselves lucky, his pay mileage rate is 17p a mile.

SPEAKER_00 41:22

What?

SPEAKER_04 41:23

On a paid pay p P A Y E mileage, 17p a mile.

SPEAKER_00 41:29

Well, how can you only be getting paid 17p a mile? That's scandalous. When when when I was in in the in, where was my last both my last jobs were 45p. So when I was at the hospice, that was 45p a mile. And when I was in the cops, it was 45p a mile.

SPEAKER_04 41:49

Was when I was doing it.

SPEAKER_00 41:51

Yeah. So that's for 17p. I'd be like going on strike if I I'd be saying I'm not using my car for that.

SPEAKER_04 41:57

And we say that, but in the cops, you could only claim mileage if you had to go to a different low work location to the one you were usually at. So if you got asked to suddenly start signing on at a different station, if it was further away than the one that you were supposed to go to, you could claim the extra mileage. So you very you didn't very often claim mileage back in the cops, but I did in my job.

SPEAKER_00 42:21

I used to claim it back daily.

SPEAKER_04 42:24

Right, what were you doing?

SPEAKER_00 42:25

Oh, you were when you were in the I was in licensing, yeah, community. Yeah, because you I was using my own car on a daily basis, so like going to appointments and meetings and stuff. So I used to claim loads of mileage back. I was doing like hundreds of pounds a month on mileage. It was great. It's rolling in it.

SPEAKER_04 42:43

There's not many jobs where you get to do that though in the cops, because most of them use cops cars. You could have just got on one of the bikes and cycled, you lazy kids.

SPEAKER_00 42:52

No thanks. Ross says, I tell you, the one thing that is hard work doing bank account reconciliation, it's a pain in the backside. On on US US on US QuickBooks, they have an AI that does it. Okay, I don't I don't really find it an issue. Because everything just pulls in from your account, so mine's mine's just fine. I've not really found that to be a problem.

SPEAKER_04 43:19

Oh, Phil says it's 17p for higher cars, but personal cars are 25p a mile. Still scandalous. Yeah, that is rubbish. That is rubbish. Franzo Benter says, remember the 45p claim as a cost in your business. So a basic rate tax payer, you only save 20% of that against your tax submissions, or 9p per mile income. John says that he's over the 50k threshold and only found out last week he had to register. Always done my own self-assessments and now signed up to bridging software to lift the figures out of my spreadsheet.

SPEAKER_00 43:52

Someone else was telling me about bridging software. Have you not thought about just going like to a digital software? Because you probably are it's probably going to be easier in the long run if you were to sign up to someone like QuickBooks or Sage or Zero or something like that. Because it's it's going it will probably be easier for you in the long run, I'll probably say that. And eventually you're probably gonna have to, I would think. It's gonna be difficult for you to carry on with a spreadsheet, I think. What does it cost you for this bridging software? And do you have an accountant who helps you do it, or are you just doing that all yourself? Just interested to know, really. People always ask me about tax stuff. I'm always reluctant, really, to give any solid advice because I'm not a tax. Tax expert, and I said it at the start. So, you know, take anything that we say just as like our own experience rather than professional tax advice because it's definitely not that you you know you've got to be a proper qualified accountant to give proper advice.

SPEAKER_04 44:58

So John says it's too expensive. Rental tax is£30 a year.

SPEAKER_00 45:03

Vital tax. Oh, is that the thing? Vital tax is a bridging software. Interesting. For for your first year with QuickBooks, it would cost you less than that for an entire year. It's costing me£11. No,£12, sorry,£1.1 a month for your first year. Then after that, it's£10, I think it's£10 plus VAT after that a month. So at least you get a year fairly cheap.

SPEAKER_04 45:34

John says it's only a couple of sales you have to import. There's a demo on the website.

SPEAKER_00 45:38

Oh, interesting. What I do need to do is I keep getting emails from HMRC telling you about making tax digital, and it tells you to go watch a video about it. And I keep meaning to go and watch it, and I'm gonna do that probably before next week.

SPEAKER_04 45:53

Now we're meant to say quit because it's 90% off quite often for new customers.

SPEAKER_00 45:58

Yeah. I signed up on Soul Trader Plus on one of those deals, one pound a month for a year, and then obviously it goes to whatever the prevailing rate is, which currently I think is£10 plus VAT, so it'd be£12.

SPEAKER_04 46:12

Not for existing customers, they threaten to leave, so I got 50% off for six months. Chris does that with all websites, yeah.

SPEAKER_00 46:21

Always always tell them you're gonna leave. Anything you subscribe to on a regular basis, threaten to leave. The thing with your taxes, though, they know you're probably not gonna leave because it's an absolute arsache to move. It's a baller. It's been a it's been it's not been a great transition from one QuickBooks product to another, let alone to another like Sage or Zero, like Derek was saying earlier.

SPEAKER_04 46:46

So uh yeah, they know you're unlikely to leave, but is QuickBooks if you pay for a year, it is saved 90% for one year, then£108 a year.

SPEAKER_00 46:56

I just pay monthly, but yeah, basically that£108 plus VAT. So it's like£120 something,£130 a year or something like that. I just pay monthly because I don't really think you actually benefit much by paying for the entire year, so I just do it on a monthly basis. Anyway, there you go. Did you learn all about making tax digital there?

SPEAKER_04 47:26

Oh, I have just had a conversation about tax. I kind of shut off about three seconds in.

SPEAKER_00 47:30

Yeah.

SPEAKER_04 47:33

I have a normal job, I don't have to think of these things, I just leave other people to do it.

SPEAKER_00 47:38

Let's say thank you to all our members before we get to the duck race, and then after the duck race, I'm gonna talk to you briefly about eBay Live. We've got another show this week. I'm also gonna talk to you about boot sales being back and the fact that I'm struggling with that a little bit, but I'll tell you a bit more about that after the duck race, okay? But before we do that, we're going to say big thank you to all our YouTube channel members. Uh there's a they're all rolling across the screen here on YouTube. If you're listening on the audio channels like Spotify or Apple Music, I'll give you a few shout-outs here. Rosie Marsden, thank you to you. Coiny Coins, Andy Green, Ready Steady Retro, Hartwell, Ceramics, Laura Shark, Money Mental, Netespresso, Resell for Rescue, Matt Sell Stuff, and lots and lots and lots more people all rolling across the screen. It's$2.99 a month. But if you do decide to sign up, make sure you sign up on your YouTube desktop. Don't use an Apple device. Apple charge an extra tax. It's the Apple tax, and it'll cost you$3.99 instead of$2.99. So please don't sign up using an Apple device. I don't want you to give Apple any more money than what they already have. So, yeah, what that gets you is it will get you into our little Discord group, our community of resellers and a few non-resellers as well. And we're all very friendly in there. We all help each other out. We share stuff, we share reselling and non-related, non-reselling stuff.

SPEAKER_03 49:03

Sometimes you have workarongs.

SPEAKER_00 49:04

Work alongs, list alongs. I need to do more of that. It's kind of stopped since you've been um that's it.

SPEAKER_04 49:11

So I'm blaming you. You're not giving up in the morning. It's my fault. You're not doing your work-alongs, it's my fault. Anything I'm back at work now, it can't be my fault anymore.

SPEAKER_00 49:20

No, it's not. That's why I'm gonna be back on it.

SPEAKER_04 49:22

We'll see.

SPEAKER_00 49:24

Sammy.

SPEAKER_04 49:25

Tax man said this is gonna be the 203rd duck race.

SPEAKER_00 49:29

203 duck races. Wow. Sammy says uh if you're using a room in your house for business use, you can claim that against your tax. How does that work? We rent out a property and use. I don't know about rentals, but you can you can do the flat rate claim for use of your home, your use as your home as an office. It's a flat rate. I claim the maximum amount, which I think last year it was£316 or£326 a year, something like that. You'd have to check the latest numbers. I'll be claiming it next week. I'll do it right before the end of the tax year. And basically, I just draw that out of the business as an expense. Use of Homer's office. I pay it to myself, and yeah, it goes down as an as a as an expense that um yeah, you can think that you were telling me you'd be getting back, Charlotte. Yeah, it's my it's like my end-of-year bonus. It's I think it's 316, but don't quote me on that. I can't remember the entire you can do it monthly if you want. It's 26 pounds, something like that a month, but I just do it all in one go at the end of the year, and that's the maximum amount you can claim. Or if you don't do the flat rate, you can do the percentages way, but that's much more complicated, and you've got to prove a lot. Like if the taxman wants to audit you, you've got to prove all those percentages. Like if you say, Oh, I use 20% of my heating bill and 10% of my electric. And if you start doing all that, you you best be prepared that you can prove it. Okay. So that's why I just do the flat rate, and it's much simpler that way. And all the only thing you have to prove is how many hours you put in, and that's very easy to do.

SPEAKER_03 51:19

I work from home, can't I claim that?

SPEAKER_00 51:22

No, because you're not self-employed.

SPEAKER_03 51:25

That's not fair. I want a bonus.

SPEAKER_00 51:30

We can't have one. You get enough bonuses, you get paid holiday and sick pay. You've had you've had four months off work for fully paid. Three. Three months off work. And do I get that? No, I don't.

SPEAKER_04 51:42

That's not the point. I still want I want a£300 bonus. I feel like I'm missing out. Right, I think we're caught up.

SPEAKER_00 51:51

Okay, we're caught up. I'm just looking, yeah. There we go. Okay, shall we do the duck race?

SPEAKER_05 51:58

Yeah.

SPEAKER_00 51:58

And then we've got more chat after the duck race. So please, please stick with us. We've got some more interesting chat afterwards.

SPEAKER_04 52:08

Our ventors he thinks I can claim tax for working from home, even if employed, says it was a big thing during COVID. Check it up.

SPEAKER_00 52:15

Yeah, it could be worth a phone call to the tax office. Because there are some tax breaks you can get. I'm not sure if you can do the working from home finger.

SPEAKER_04 52:24

Imagine if I could and I could back get it back paid for the last three years. That'd be nice.

SPEAKER_00 52:28

You can pay for your new car that you want.

SPEAKER_04 52:30

That'd be nice. It won't be I'm never that lucky. I won't get anything like that. But I'll try. Why not?

SPEAKER_05 52:37

Yeah.

SPEAKER_04 52:38

End of year bonus. When was the last time you gave yourself a raise? When was the last time you gave yourself a raise?

SPEAKER_00 52:47

I used to pay when I f when I first started as a full-timer, I used to just pay myself two grand a month. That's what I started off. And now I pay myself two and a half grand a month. Like I do that religiously every single month, and that covers all my bills and some extra money and that. But also there's other stuff that I that I don't have to pay for, that the business pays for. The business pays for the broadband on the home, the business pays for my mobile phone and my mobile phone contract, and also claim my fuel, my 45p fuel money. I claim my homer's allowance.

SPEAKER_04 53:22

This is why we worked out that Chris has a lot more money than I do.

SPEAKER_00 53:25

So it actually ends up not bad. But that that can fluctuate. At the moment, it's pretty steady. I just I just pay myself two and a half grand a month, and that's more than enough. But sometimes, like if we if we've got a holiday coming up, I'll I'll just pay myself an extra grand.

SPEAKER_04 53:42

Didn't tell me that before, did you? That's a new one to me.

SPEAKER_00 53:45

Yeah.

SPEAKER_04 53:46

Well, I'm not gonna feel bad when you pay for the holidays, no.

SPEAKER_00 53:48

End of the day, it comes out of the business, so you know. And it means that the business hasn't got as much money in it, but yeah, it's my money. I am the business. When you're a sole trader, you are the one and the same thing. You've just got to make sure you keep it separate.

SPEAKER_03 54:02

I'm definitely not gonna feel bad when you pay for the next holiday. Well, you should do.

SPEAKER_00 54:08

Which bad. Life in the first lane says you might be able to do something with your tax code.

SPEAKER_04 54:12

Maybe, but then El Rebenta looks like they might have looked at it and says that having a look at it, they're not sure they're just so sure I can. So I'll have a look into it and see.

SPEAKER_00 54:20

I I remember when you first started working from home. I did look up a lot about the tax stuff about working from home because I was convinced there was gonna be some stuff on it, but I don't think there was. There should be though, shouldn't there?

SPEAKER_04 54:33

When I first started working from home, it was only a couple of days, it wasn't yeah full time, was it? And it's been full time for the last three years, and my new job, the majority of it, is working from home.

SPEAKER_00 54:46

So I'm gonna have a look and just have a look at look it up because we don't know when things change, and also there could be something. Like I I would ring the tax office. You know, when you ring when you've got a query about your tax code, you could ask them about the tax code, and you could also ask them about working from home. Just ask chat G. Yeah, but not always you can't trust everything, Chat Ganesis.

SPEAKER_04 55:07

I didn't tell you, did I?

SPEAKER_00 55:09

What?

SPEAKER_04 55:09

Speaking of not trusting Chat G, no, it's not the font of all knowledge.

SPEAKER_00 55:14

No, it's not, I can tell you, because it has a bit on the bottom that says, not always right.

SPEAKER_04 55:18

I did two days in work last week and I got started off with a training course that I needed to do, an online training course uh to do with a new system that's coming in, even though I'm leaving Chartley. And I didn't realise that there was after doing about a million modules, there was a bloody test at the end. So what did I try and do? I tried to cheat. And I I I asked Chat GPT the question, showed it the answers, and it said, yeah, this is the answer to it. So that's the answer I gave, and it was wrong. Really? Yes. Wow, it was wrong.

SPEAKER_00 55:53

That's bad.

SPEAKER_04 55:54

Which then, because it got that question wrong, which had I got wrong anyway, had I not asked because I wasn't that's why I asked because I didn't know it. I failed and had to do it again.

SPEAKER_00 56:06

That'll teach you for cheating. Cheats never prosper.

SPEAKER_04 56:12

So yeah, chat G let me down.

SPEAKER_00 56:16

Uh just before we do the duck race, Ross says Chat GPT is stupid on tax, it doesn't know tax laws, don't use it. Chat GPT, right? Is great if you outline exactly what you want. So your prompt has got to be really well written and well rehearsed. I use ChatGPT every single week to work out my eBay fees uplift. So, you know that little bit of amount because you get paid out, you get paid out after fees are taken. So it doesn't account for the extra uplift amount, which your fees and your uplift amount are the same amount. But what I do is ChatGPT, I've got a prompt with ChatGPT that's been going on for about you know 18 months, nearly two years, and I just drop in my payout spreadsheet, and Chat GPT spits out the a spreadsheet that I can upload to QuickBooks, and it has the two amounts on it. But it it didn't do it first go, and it didn't do it probably third, fourth, or fifth go. It didn't do it right. I had to keep training it and I keep having to tell it what was right. I had to keep having to tell it what was right and what was wrong, but it was worth it in the end because now I just get that like that, it does it straight away, and it's brilliant.

SPEAKER_03 57:34

I like Fluffy there. Fluffy says get Bella bonus.

SPEAKER_04 57:37

Yeah, yeah. Vinyl says if you pay the 20% basic rate of tax and claim tax relief on six pounds a week working for a home.

SPEAKER_00 57:45

Okay.

SPEAKER_04 57:45

I'm gonna look into it. I would just I'm obviously not gonna ask Chat G now.

SPEAKER_00 57:50

No.

SPEAKER_04 57:50

Belle, did Chat G answer involve a ladder? No, it didn't involve a ladder.

SPEAKER_00 57:56

Chris, are you using the eBay connector on QuickBooks? No, I don't want to use it. I I feel like it's gonna be messy. I like just to do the way I was doing before, which is I have my payout going into my account, and then I work up the uplift and the fees afterwards. It literally takes me seconds to do it, and I feel like I'll be forever like categorizing sales and fees and stuff if it brought everything in. So I don't I don't use the plugin. I don't really want to use it. I'm quite happy just doing the uh the weekly payout stuff, the payout data.

SPEAKER_04 58:34

G, apparently. Uses more real-time information.

SPEAKER_00 58:38

Oh, there you go. Vinyl Nutter reckons you'd get£1.20 a week in tax relief.

SPEAKER_04 58:44

Well, if the bat pay me, that's that's still good.

SPEAKER_00 58:46

Could I look to a few hundred quid that, couldn't it?

SPEAKER_04 58:49

Hi, Magic McCauley. Nice to see you in. He says, Are we going to the uh Saturday Easter fair down in Conway? We've got no plans for Saturday, so we could do.

SPEAKER_00 59:00

Could do, couldn't we?

SPEAKER_04 59:00

We might we might just do that.

SPEAKER_00 59:03

And the old pug says, Do you gross up the total? Yeah, I gross up the total, gross up, and it shows the gross up amount and the fees. So you for every payout, every week, I have three figures that go into my accounts. I have the payout amount, the sales amount, I have the fees amount, and then it spits up the gross up amount, which is exactly the same as the fees, and that puts my books nice and tidy.

SPEAKER_04 59:29

I'm confused, Magic. Is it on Saturday or not? He's put not on Saturday. We have an Easter fair in Conway, North Wales.

SPEAKER_00 59:36

Oh, okay.

SPEAKER_04 59:38

Is you'll just have to, you'll have to my my brain's not picking up what you mean by that.

SPEAKER_00 59:45

He did say it was on Saturday. He said, Hi guys, you're coming on Saturday.

SPEAKER_04 59:49

I know, but then he's saying not on Saturday.

SPEAKER_00 59:51

Oh, right. Well, make up your mind. Right, we need to do this duck race.

SPEAKER_04 59:59

Yeah. Lost 50 viewers talking about tax. We've actually gained a few since we started talking about it.

SPEAKER_00 1:00:08

Right.

SPEAKER_04 1:00:09

Oh, that was to someone else. Come and join us, please, over 20 stars.

SPEAKER_00 1:00:13

Oh, okay.

SPEAKER_04 1:00:14

Do you know what? We we did mention this when we went to and and they were on a little bit of a video, weren't we, when you recorded it. But Macaulay and his friends set up what McCall in it? Like an indoor tabletop, which we ended up showing up to. And tell you what, for two young lads, because how old are you, Macaulay? Are about 14, something like that, 13, 14, they did bloody fantastic, didn't they? It was a proper good setup. So yeah, looking forward to it.

SPEAKER_00 1:00:45

Right, we've got the duck race to do. So I'm not putting any music on this week because when I when I listened back uh last week, our voices get a bit muffled when the music's on. So I'm not going to put the music on this week because it might help the audio. So here we go. Belle's doing the commentary here.

SPEAKER_04 1:01:02

13 on four.

SPEAKER_00 1:01:04

Now, are you ready for the faces? Because we're going to freeze in a sec. You ready? Ready? And we're going to shuffle those ducks, all the ducks in a line. And you've got your ducks in a row, have you? And they're off. Yeah, it's too late. You're on it.

SPEAKER_04 1:01:26

So straight out at the front of the pack, F and C M's Den there with a little space helmet on. Just below that is Jeff Davis. We then go down to the bottom of the screen where we've got Alknac's pumping picker of Higginson all at the front of the pack. There's Chris Tyrner, I think it is up at the top, along with El Revente. Deborah Sardine is there floating around in the middle, along with Tiny Cloud and AMPJ. But this is an ever-changing front of pack. So this is anyone's race. Still Linling Jeffries is pushing away through, and so is Laura Shaq. Going a little bit further back to the middle of the pack. I can see Helen Graham, Nexpresso, Lucy's carboo, Ali Evans, Dorothy Watkins, all trying to push their way forward for a chance at winning. They're down to the last minute of this race. Helen Graham is pushing her way through to the front as a naked duck, and so is Net Espresso. They have come right in the middle of the pack to see what's going on up at the front. Angel Delight is also there as well. Deborah Nardone is still sort of bobbing along, but starting to go in the wrong direction. Your brother's here, Kaboot Keith's having a nosy up at the front, and as well as Sheriff. Losing my voice. But at the moment, peeking with the mermaid duck is pumpkin picker still along with William PJ and El Rivente. We've got the last 20 seconds now. Who is going to make it over that winner's line? Lisa's having a look. Oh, Mark Hill is there as well as her. Pumpkin Picker is still holding her own, but she's been there for a while. I can't see her lasting much longer. We're down to the last nine seconds, and pumpkin picker is still there along with Dizzy J. No, Dizzy J has gone. Dorothy Watkins is speeding up from the middle of the pack, and it's going to be Dorothy.

SPEAKER_00 1:03:20

Dorothy Watkinson wins the duck race. Well done, Dorothy. You are the winner of these two sparkle butt ducks. Some more sparkle butt ducks. What were their other ducks called? You remember the sparkle buttons?

SPEAKER_04 1:03:33

Yeah.

SPEAKER_00 1:03:34

Was it Big Steve Sparkle butt or something?

SPEAKER_04 1:03:36

Something like that. Little Steve Sparkle butt. One of the Steve Sparkle buttons.

SPEAKER_00 1:03:40

Yeah. Uh Dorothy, you've won yourself a pair of ducks. Well done.

SPEAKER_04 1:03:44

We picked them up from a tabletop.

SPEAKER_00 1:03:46

We did. In real at the weekend. Would you want to tell the viewers and the listeners how they can join in the duck race for free, guys? For free.

SPEAKER_04 1:03:58

Yeah, once this show is finished, just come back onto the YouTube channel and underneath where the video is in the comment section, leave us a comment. Preferably a nice comment, but it can be any comment. And it may also get you into comment of the week if it's interesting enough.

SPEAKER_00 1:04:17

Yeah.

SPEAKER_04 1:04:17

Oh, discuss Steve Sparkle book.

SPEAKER_00 1:04:19

That's it.

SPEAKER_04 1:04:19

New Life of Flana would remember.

SPEAKER_00 1:04:22

Life O Flana.

SPEAKER_04 1:04:23

Life O'Flana.

SPEAKER_00 1:04:24

As in the Irish version of Lana.

SPEAKER_04 1:04:28

Yeah. So yeah, if you want to come join us, unfortunately, if you're listening, you will have to find us on YouTube.

SPEAKER_00 1:04:33

Yeah, you need to come find us, guys.

SPEAKER_04 1:04:35

But it's free, like Chris said, and you could win yourself a sparkly butt duck just like Dorothy did today.

SPEAKER_00 1:04:42

Awesome. Well, well done, Dorothy. If you're watching back, please send me a message and we'll get that out in the post as soon as possible.

SPEAKER_04 1:04:51

El Revente's happy just because he came second and he actually got to see his duck.

SPEAKER_00 1:04:55

There's nothing in this game for second. Second place wins you nothing. Right, eBay Live, guys. I've got another show, or we have another show tomorrow. That's Tuesday, the 31st of March at 6 pm over on eBay Live. So please come and join us. But it is a bit niche. We're doing die-cast cars, hot wheels, matchbox, vintage cars, toys, vintage toy cars. It's all cars basically. So I've got hundreds of these things, and I just don't think time-wise I'm going to have the time to get around to listing them individually. So I'm going to let them go at one pound starts. So if you're into Hot Wheels, Matchbox, vintage cars, and there will be some valuable ones in there, I guarantee it. Please come and join us.

SPEAKER_04 1:05:48

All I will say is don't come expecting to be able to ask for certain cars because there's that many. I'm not so sure we would be able to do that.

SPEAKER_00 1:05:55

We're just going to rifle through them. I've put on the screen a, for those who are watching, of course, I've put on the screen a scan code. So if you want to scan that with your phone now, I know if you're watching with your phone, you can't do it, but if you've got it on TV or something, you can scan it and it will take you to our show and you can bookmark it and it will let you know. It will give you a notification, hopefully, when we go live tomorrow. But it's six o'clock tomorrow. Come and join us. We're getting rid of a ton of Hot Wheels, Matchbox, vintage cars, toy cars, loads and loads of cars.

SPEAKER_04 1:06:32

We did have some on the last show and it went really well. It did.

SPEAKER_00 1:06:35

People were buying them, so it was it made me think that we could do a show on it, basically, because People were buying them, like none of them went unsold, did they?

SPEAKER_04 1:06:45

Somebody was asking, and then we decided to run up to the attic and grab some. And then we sold well, we probably sold about 20.

SPEAKER_00 1:06:53

Easy.

SPEAKER_04 1:06:54

Life says any minis. Probably we've been through the boxes. It's the same boxes that you guys went through that.

SPEAKER_00 1:07:01

But there might be there might be some loose vintage minis, maybe that you didn't see. I'm not sure about boxed ones, but I've got a lot listed on eBay, once you're not. Yeah, I'm I'm going to take a lot of the ones listed on eBay. I'm going to take them off and we're going to run them at one pound starts. Right.

unknown 1:07:16

Okay.

SPEAKER_00 1:07:16

So, you know, some of them I've got like bundles on eBay like four for 30 quid. So, you know, I've got some that are eight for like 50 quid. So there is definitely value, there's some good value in them. And you I'm going to do one pound starts on them.

SPEAKER_04 1:07:31

Is this a lesson learned that you're not going to buy a whole table full of miniature cars again?

SPEAKER_00 1:07:36

If it goes well, right, I'd buy them and just put them straight on eBay Live straight away. But I wasn't sure about doing them on whatnot. I really wasn't, I wasn't convinced it was going to be good enough on there. Well, I'm going to try and want on eBay Live because at the moment we're overrun with stock, aren't we? I've got a lot of stock at the moment, so I really need to trim it down.

SPEAKER_04 1:07:57

My spare room is not a spare room at the moment. It's a stock room.

SPEAKER_00 1:08:01

It kind of brings me back to this next little topic of discussion before we finish up. And that's the boot sales are back.

SPEAKER_04 1:08:09

Woohoo! Have you been to one yet?

SPEAKER_00 1:08:12

Well, I've been to some I've been to some tabletops, I've been to a couple of outdoor ones like at Abercan and that. But my problem at the moment is I'm struggling with boot sales because firstly, I've got that much stock at the minute, I'm overrun with Death Pile stock. Also, people are coming to me with private deals. You know, you've seen I've spent a lot of money with Colin Lingus. Just behind here, you see these white sacks? That's 1500 quids worth of jerseys I've just bought off somebody at the weekend. I bought an other big jersey lots, I bought two lots of jerseys that were a couple of grand's worth. So people are coming to me with private deals, and you know, a lot of the time I can't turn it down unless you know they're too far away to collect or whatever. So yeah, I'm struggling with the boot sales right now because I I really don't need the stock.

SPEAKER_04 1:09:07

We don't know where to put it.

SPEAKER_00 1:09:09

And one of the only reasons I would go is for content for the channel and to pick up some random, you know, to have that random element, and things are so cheap at boot sales as well, often, that it's very hard not to go. But I am struggling with it because I have so much stock right now. Hence the reason we're doing a die cast show tomorrow.

SPEAKER_04 1:09:31

That background that back room is full of random stuff. So it's not like you don't have random stuff, you've got a room full of random stuff in there.

SPEAKER_00 1:09:41

But I don't want that random stuff now because I already bought it and I've already I've not listed it. You never get this, guys, right? If you if you buy something like a boot sale, and if you don't deal with it very quickly, you kind of fall out of it. Lose interest. Yeah, I've lost interest in a lot of that stuff in that back room, but there's tons of money in there. I shouldn't think like that because that's not really a business head. It's like there's money in there that needs to be listed.

SPEAKER_04 1:10:08

And you've still got the boxes in the attic that have been there, god knows how long.

SPEAKER_00 1:10:11

Yeah, but they are slowly going down. There'll be like three or four boxes gone with die-cast cars, so that's good. But yeah, you you kind of just fall, you know, you do lose a bit of interest in it, but I will get through it all eventually.

SPEAKER_04 1:10:25

Lana's gonna share it in the car group. She said there's lots of people that collect hot wheels.

SPEAKER_00 1:10:29

Oh, please do, yeah. Thank you, Life of Flana. That's very good of you.

SPEAKER_04 1:10:33

She might not do if you keep calling her that. Oh no, it's not Lana, it's life in the first lane.

SPEAKER_00 1:10:37

Oh, thank you. Steve. Life in I was gonna try and pronounce that differently, but I can't.

SPEAKER_04 1:10:42

It's because you're both life, and that just my brain carried on with the Was that on purpose?

SPEAKER_00 1:10:47

Life O'Flana and Life in the First Lane. Was it on purpose that you're both life?

SPEAKER_04 1:10:51

Yeah, Lana did tell us why.

SPEAKER_00 1:10:53

Oh right. I missed that bit.

SPEAKER_04 1:10:55

Last week, I think it was. Chris said just go for a hot dog with onions. We never ever buy anything more than maybe a coffee if we're lucky. I don't buy food.

SPEAKER_00 1:11:04

And even then, we don't I don't really buy tea or coffee because it's normally rancid, isn't it?

SPEAKER_04 1:11:09

And they don't normally do decaf.

SPEAKER_00 1:11:11

Yeah, your coffees, I've seen your coffees at boot sales, they're horrible.

SPEAKER_04 1:11:14

We just got to Greg's. Elra Vincent says, I don't need to do car boot sales at all. My business model has changed, not worth the sleep depriv provision to car boots, so just not bothered with them. I need the sleep as I've lots of other things going on. Very much getting great stock from other places at the moment.

SPEAKER_00 1:11:31

That's it. You see, that's a problem. Car boot Chris might be known more soon, might just be Chris.

SPEAKER_04 1:11:37

I think when we get into the better weather months where it's more regular, nice days, we because we just do it as an outing as well, don't we?

SPEAKER_00 1:11:45

We do it because we enjoy it.

SPEAKER_04 1:11:47

We do it because we just want to do something. So Life of Lana says I'm changing my username.

SPEAKER_05 1:11:54

No, please don't.

SPEAKER_00 1:12:02

Richard says all the time, I have a lot of backlog for that exact reason. Lists and new stuff first. Yeah, I'm the same. I list and use like I'm already like I bought these jerseys at the weekend. I'm I've already been I listed like 22 today. I've I'm already listing those. Yeah, I've got a back room full of stock, full of jerseys. More jerseys in there, but I'm not working on those jerseys. I'm working on these because these are new, these are exciting. I've just picked these up. So these have got these are like more exciting to me than those ones. It's weird, it's a weird frame of mind. I shouldn't be like this. Is there something wrong with me? Yes, what's wrong with me?

SPEAKER_04 1:12:42

Everything now your contract Chris or Colin Lingus Chris. Yes, you need a buying ban.

SPEAKER_00 1:12:50

I might have to change my name, you know, but changing my name would be the whole brand change, wouldn't it? I can't do that now. I'm just car boot Chris now.

SPEAKER_04 1:12:58

Have you got any UK size sixes left?

SPEAKER_00 1:13:00

No, I think they're all gone, Jeff. I'm afraid.

SPEAKER_04 1:13:03

Lana, Lana is my name. She's changed it, so it's a lot better. How can we how can we change it? What can it say?

SPEAKER_00 1:13:10

Lanay, my name.

SPEAKER_04 1:13:12

La.

SPEAKER_00 1:13:13

It's Lanais.

SPEAKER_04 1:13:15

La Nase. Yeah, Lana.

SPEAKER_00 1:13:17

Lanais, as in the French Lanay.

SPEAKER_04 1:13:20

All I'm reading now is mayonnaise.

SPEAKER_00 1:13:22

Oh yeah, Mayonnaise! Yeah, sorry, Lana. And also you can't change your name more than once a month, so now you're stuck with that name for a bit.

SPEAKER_03 1:13:34

Oh dear. Screwed.

SPEAKER_00 1:13:37

You should have left life. Yeah, forever, to be honest with you, right? Life of Flana is gonna be your name from now on. Like Fluffy the Muffin, like there. Fluffy the muffin doesn't actually say that.

SPEAKER_04 1:13:49

We got Deborah Sardine.

SPEAKER_00 1:13:51

Life of Flana. Carboot hoarder, Chris says. Yeah, you're probably right. I don't want to be though. I really I don't hoard this stuff because I want to keep it. I just I buy it, I'm excited about it, but then I lose the excitement if I don't list it quickly.

SPEAKER_04 1:14:06

Do you know that's still the definition of hoarding? No, it's not. Here it is. No, is it? Here it is.

SPEAKER_00 1:14:10

What's the definition?

SPEAKER_04 1:14:12

The definition of hoarding is buying something and keeping it in your house, and that's what you're doing, whether you want to keep it or not.

SPEAKER_00 1:14:18

I don't think that's right.

SPEAKER_04 1:14:19

Yeah, it is.

SPEAKER_00 1:14:20

I don't think it is. Let's ask Chat GPT.

SPEAKER_04 1:14:22

Oh god, here we go.

SPEAKER_00 1:14:23

Here we go. Ready?

SPEAKER_01 1:14:27

Hey Chat G, how are you doing? Hey Chris, I'm doing great. Like a rare vintage find that still has its original tags. How's the treasure hunt going on your end?

SPEAKER_00 1:14:36

Good, thank you. Just a quick question. What's your definition of a hoarder?

SPEAKER_01 1:14:41

Uh, a hoarder. Imagine a dragon in its lair, but instead of gold, it's got piles of everything. It's someone who can't bear to part with items, often well beyond what's useful or needed. But hey, every hoard might have a treasure or two.

SPEAKER_00 1:14:54

Just gotta dig through the mountains. People are telling me that I'm a hoarder, but I don't think I am. Here's the situation, Chat G, right? I enjoy going and buying stuff, like, say, for example, at a car boot sale. I got that instant thrill of buying stuff. But if I don't list it on eBay like within a couple of days, I kind of fall out of it, you know, for a bit. And I move on to newer things. And then that stuff doesn't get listed. It's not because I don't want to sell it. I want to sell it. So I'm not hoarding it, I don't think. But I just fall out of it. You know what I mean?

SPEAKER_01 1:15:29

I'm with you, Chris. You're not nesting on a mountain of random objects like a hoarder dragon. You're just catching that thrill of the hunt. Sometimes the spark fizzles for a bit, and that's just the ebb and flow of being a treasure hunter. The key difference is you do want these things out there eventually. So let's just say you're a reseller with an ever-rotating carousel of inspiration.

SPEAKER_04 1:15:51

Chat G, does that still count when that mountain he claims to be getting rid of is still sat in the back room and has been there for a number of months and sometimes years?

SPEAKER_01 1:16:02

Belle, you're shining a light on the vault, aren't you? If the to be listed pile has aged like fine wine, maybe a vintage from last decade, it might tiptoe toward Horrid. But hey, the Maddox isn't reigniting that spark. Maybe it's time for a grand backroom revival sale. Let's turn that mountain into a gold mine. One listing at a time. See you later.

SPEAKER_00 1:16:28

See? I told you he's a harder. She knew exactly who you were when you spoke. That was a scary thing. She went, hey Belle.

unknown 1:16:36

Hello.

SPEAKER_00 1:16:37

She knew.

unknown 1:16:38

Anyone.

SPEAKER_04 1:16:43

Listing challenges are a good way to get some of the older stuff listed.

SPEAKER_00 1:16:47

I don't like challenges because I'm a failure when it comes to challenge. It just sets me up to fail. I don't like challenges.

SPEAKER_04 1:16:53

Like Steve says, if you didn't do the car boot sales for content, what would you do on the channel instead?

SPEAKER_00 1:17:01

Dunno. I'm just gonna have to keep buying stuff so that we've got content.

SPEAKER_04 1:17:06

Jeff's put. What what do what do the boys always say? That's as soon as I saw it, that's what I said. That's what I heard. My name is Jeff. They do that stupid voice where they go out to each other, my name is Jeff.

SPEAKER_00 1:17:20

I don't I don't know what he's talking about.

SPEAKER_04 1:17:24

Like an in joke. I don't know if it's like a meme or something, but they do it all the time. It's really annoying. That's just what I saw when I read that comment. Step one complete.

SPEAKER_00 1:17:33

Oh, someone hang on, Lana said something up here that I missed. Mayolana.

SPEAKER_04 1:17:39

Mayo Lana.

SPEAKER_00 1:17:40

And Life of Flana says, I think I can think of a name for you, Carmo.

SPEAKER_04 1:17:46

I think I can think of that name too.

SPEAKER_00 1:17:48

Right. Okay. I think we're almost done for this show tonight. What do you think? Yeah, my bad. Let's call it a day. We've got a comment of the week coming up, guys. So I've got an early get up to go and get me uh Greg's. I'm looking forward to seeing what you get at half past six in the morning at a Greg's thing in my jig.

SPEAKER_04 1:18:09

So am I.

SPEAKER_00 1:18:10

Right. Let's do this. You ready? It's a comment of the week. So before we finish, I just want to say thank you to everybody who's turned up to watch here on YouTube live. And if you're listening on one of the audio channels like Spotify, Apple Music, Amazon Alexa, and all that stuff, thank you so much for listening as well. Don't forget to hit the download button if you're listening. If you're watching, hit the subscribe or the like button or the thumbs up or whatever, or give it some hype. You can do any of that stuff here on YouTube. So thank you all so much. Hope you've enjoyed the show, found it interesting. And now we're going to do comment of the week, and then we are done for tonight's show, for night, tonight's podcast. Here we go. So okay, this is Comment of the Week, and it came from Jomsy. And Jomsy said, Ah, I listened to your podcast on Spotify about whether working you'd be better off. And you said you get 30k a year from reselling, working 70 hours a week. No offense, but would it be better working at Tesco's and making that much? And you know what? It's a very, very fair question. It's one that people say a lot, and it's one that I question a lot. So I really appreciate the comment, right? It's it's perfectly fair, and I did reply to the comment. I won't read out the reply, it's pretty long. Like I gave a long like explanation, but essentially, I'll paraphrase it. It's all it's mainly about flexibility and also not having to work for dickheads. That's it for today's episode. Don't forget to like or make a comment. I always reply to comments. And if you're on YouTube, hit the subscribe button. If you're on one of the audio channels, hit the download button, and we'll see you next time.