Will It Float?

More often than not, when I start to work with a new client I’ll begin by doing a review of where they are with their business finances. You might think that’s the obvious place to start and you’re right.  But at the same time I’m always a tad concerned at how little some business owners know about what’s going on in their accounts. 


OK yes, they’ve finally made a great decision by in calling the Enso team, but I often wonder how some firms have progressed so far on such inadequate business information. 


In the modern age with the world moving so quickly and with huge issues looming on the political horizon, it’s vital business owners have up to date information. Only by knowing how their company is performing at any given time does it allow them to make smart tactical decisions and head off issues at the pass.


One of the essential financial measures is cash flow or the ebbs and flows of cash in the business that affect its ongoing liquidity. In short, does the company have enough money to continue trading? 


Failure to manage cash flows is always a recipe for disaster as many a failed entrepreneur will confirm. 



So let me tell you about Float.


Cash Flow Tamed


The problem with tracking cash flow is its complexity and volatility.  Good cash flow today can rapidly transform into a financial emergency by the end of the week.  There are numerous cogs and wheels at work, and accurate cash flow accounting needs many parts of the business to be in synch. 


Happily, there’s Float to help bail you out.


Float is a subscription software that takes the hard work out of cash flow analysis. By integrating it with your accounting software, it starts to break down your ongoing cash flow into easy to understand reports. 


And yes, it integrates seamlessly with Xero which is just one more reason to love it. 


Once implemented, Float automatically tracks your bills, invoices, and actuals against the budgets you set. You can see your ongoing position with debtors and creditors. You’ll understand bill schedules and potential shortfalls before they cause you pain. Float offers powerful insights into your finances whenever you need to know (which should be often). 


You’ll always know your current position. From there, you can forecast for the future and, see where you may need to make changes to keep your cash flow healthy. 


One comment from the Float team I particularly like is it ‘sometimes answers questions you didn’t know you had’! 

How useful is that?


Get Float On Board

Float is another excellent example of finance tech’ making business life more manageable. And be in no doubt, there are few things more worthy of your attention than cash flow. 


It’s probably true to say that your monthly Float subscription at whichever level you choose will more than pay for itself from the moment you press ‘go!’ I recommend it to my clients unreservedly.


If this useful tech’ looks like it’ll float your boat then why not call my team today on 07792 686479 or email me at adam@meetenso.co.uk and let’s talk about how you can use Float to get to grips with your cash flow and ensure your business can ride the waves of success for many years to come.


A group of women are sitting at a long wooden table with laptops.

5 Of The Best Co-Working Benefits For Start-Ups

By Adam Nurbhai • July 2, 2025
Discover 5 key benefits of co-working spaces for Manchester start-ups - from cost savings to community - and how Enso Accounting helps founders thrive.

Wrapping Up 2024 And A Look Back Ahead To 2025

March 10, 2025
Hi Everyone, Welcome to my final newsletter of 2024—and what a year it’s been! Reflecting on the past 12 months, it’s clear that 2024 has been a highly consequential year, even in an age when we’ve had quite a few once-in-a-generation events. It’s been a whirlwind for me, from attending thrilling sporting events like the Olympics to commenting on major financial shakeups and adding new services to the Enso brand . We saw the internet go down and an unexpected Oasis reunion (not to mention their remarkable ability to part me from my money). On the same note, we’ve had a change of government with all the financial ramifications of that democratic choice already playing out. On the business front, my predictions about AI transforming every aspect of our lives were spot on. This technology now influences how we engage with commerce, government, and entertainment. However, I see this technology making the management of your business finances increasingly insightful and responsive, which is precisely why I started Enso in 2018. Of course, we have the upcoming inauguration of an orange-tinged POTUS on January 20, 2025, which promises to bring even more twists to an already unpredictable landscape. But before we face 2025, let’s focus on the festive season. The holidays are an insane period for many of my client’s businesses. So, to help out and as a follow-up to the success of my TikTok gift list for 2023 , here are my prime picks for this Christmas. It might save you some time and effort, especially if you find gift buying a chore. You’re welcome!

Here’s What SMEs Need To Know About The Budget

March 10, 2025
Hi Everyone. Welcome to November 2024, which we enter on the back of the first Labour Budget in over 14 years. That’s why this newsletter is slightly behind the curve: I wanted to consider what impacts this fiscal event brings and how it might affect my clients. What a statement it was taking over an hour to present. It was long, detailed, radical, risky, and much-briefed to avoid the market-melting impacts of the Truss/Kwarteng budget. This meant macro impacts were marginal, with a few basis points on Gilts and temporary dips in the FTSE and the value of Sterling on international markets. Overall, it’s not too bad; we’ve seen much worse, but we must monitor these measures going forward. As the dust settled, we saw historic highs in taxation and higher borrowing levels via a fiscal rule change. But it was very much a statement of intent signalling the new government’s determination to stabilise and expand our indebted and tired economy after 14 years of Tory rule. Equally historic, it was the first Budget delivered by Rachel Reeves, the UK’s first female Chancellor. Underpinning it all was Labour’s vision for growth based on equality of opportunity, devolved power distribution, innovation, and green energy. As optimistic as the Budget seems in intent, like so much in life, it comes at a cost, and SMEs are now central to how the Chancellor will fund Labour’s economic mission. So here’s my summary and thoughts on the host of changes Reeves announced and what these might mean for you. Hold on to your hats!

How to Save Tax on Private School Fees

March 10, 2025
How to Save Tax on Private School Fees Using a Family Trust – Especially as VAT on Fees Rises Private school fees in the UK are already a significant financial commitment, and with the planned introduction of VAT on private school fees, the cost is set to rise even further. However, with careful tax planning, families can reduce this burden and save up to £5,000 per child per year using a family trust. VAT on Private School Fees – What’s Changing? The UK government has announced plans to remove the VAT exemption on private school fees, meaning that fees could increase by 20%. For many families, this could add thousands of pounds per year to their education costs. For example: • A school charging £15,000 per year will see fees rise to £18,000 with VAT added. • A school charging £25,000 per year will rise to £30,000 under the new VAT regime. This increase makes tax-efficient planning even more critical for parents looking to mitigate costs.

The Trump Effect: Implications for UK Trade & Crypto

March 10, 2025
Hi everyone. I hope this newsletter finds you in the finest of form. It’s February 2025, and the festive season is a distant memory. The new year is in full swing, and what a year it’s already been. “May you live in interesting times” is an English idiom often said to be a translation of an old Chinese curse. The irony lies in the notion of “interesting,” as it usually alludes to times typically marked by difficulty and turmoil. And ‘interesting times’ is possibly an understatement regarding the new incumbent of the White House. Whatever your thoughts on the greatness of this development or otherwise, let’s agree that the ‘interesting times’ arrived very quickly and will continue for quite some time. Well, at least four years, but the repercussions could be around for much longer. It’s early days, but we must consider what some of DT’s directives might mean for investors and UK SMEs. The US may be far from us, but its reach and, by extension, DT’s influence is practically unlimited. So, having a working knowledge of the issues is better than being blown around haplessly by the winds of fate. So, baton down the hatches, everyone; we’re in for a wild ride.

Top New Year Business Resolutions To Thrive In 2025

March 10, 2025
Happy New Year everyone. I hope your festivities passed as you hoped. Whether it was to either rest and recharge or become a social butterfly attending many parties and gatherings. However, it panned out for you; I hope you had a ‘good-un’! And now as 2025 dawns, it’s time to shake off the yuletide detritus, pack away the decorations and sell your unwanted presents on eBay! You might feel a little sad. It’s all over, you sigh. Don’t worry; that’s normal, but it’s time to trim our sails for the coming year and dive headlong into the promise of what’s to come. Many will commit to positively changing their lives at the start of the year. These so-called resolutions often founder within a few days. But don’t worry, that’s normal, too. You’re not alone in seeing these aspirations turn to dust as they rub against ‘real life’. But for those who follow through and keep to your commitments, I salute you. But maybe you could do the same exercise for your business. Every new year is brimming with opportunities for business growth, refreshed strategies, and new ideas, and always looking for opportunities to have a laugh along the way. As we know, the Trump administration is taking the reins in the US, which means the stage is set for an exciting ride for all of us. There’ll be opportunities and challenges galore. So, how can we get our business match fit for what’s to come? Here are some industry-tested pointers to help you take on the New Year and emerge as a winner. Let’s get into it!
A woman wearing a face mask is standing in front of a building.

At Times Like These

By Adam Nurbhai • March 30, 2020
Worried about Covid-19’s impact on your business? Enso Accounting breaks down key support schemes and offers expert help to guide you through uncertain times.
A person is holding a credit card in front of a laptop computer.

I’m Sold On Soldo

By Adam Nurbhai • November 4, 2019
Learn how Soldo simplifies expense management for SMEs, integrates with Xero, and gives finance teams real control, backed by support from Enso Accounting.