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Taking money out of your own company is not free, and the rules around repayment catch people out nine months later.

An audit is a documentation exercise. Everything that goes wrong in one is a record that was never kept at the time.

The tax difference is smaller than most people expect, and the admin difference is larger. Here is how the two actually compare.

The software question matters less than the bookkeeping habit. Getting receipts in weekly beats any tool you buy.

If the first you hear about a cash-flow problem is when you ask, the relationship is not working. Good advisers raise things before you notice them.