Making money is not luck or good fortune. It's about having a plan to take the most important actions every day that month after month, year after year result in sustainable growth and a business that provides for your family and retirement. One of the things we'll do is look how you're currently spending your time. Chances are you're wasting it by spending it doing the wrong things, things that might be better outsourced or eliminated by smarter software and systems. Where credit card sales have been omitted from business takings, HMRC are encouraging taxpayers to come forward and make a disclosure of the income that has been omitted to avoid incurring interest and penalties on top of the unpaid tax.