Right - Time to Talk the Boring but Brilliant Bits
You've got sawdust under your nails, a lovely range of planters lined up in your shed, and your Instagram page is looking sharp. Brilliant! But before you get too carried away with commissions and markets, let's talk about the grown-up stuff: legal, financial, and admin.
Not glamorous, sure. But getting this right from the start saves you stress, keeps the taxman happy, and gives your business a proper foundation. And no - it's not as scary as it sounds. Just needs a bit of patience, a decent brew, and a few forms filled out.
Do I Need to Register as a Business?
If you're making garden products and selling them - even a few here and there - then yep, you're officially in business. Welcome! 🎉
In the UK, the easiest way to start is as a sole trader. This is just the HMRC term for "I'm working for myself." You don't need a fancy company name (though you can have one), and you don't pay to register.
- Go to gov.uk/set-up-sole-trader
- Register for Self Assessment - so you can file tax returns
- Keep records of income and expenses (more on that below)
That's it. You're official. You can even write "business owner" on your LinkedIn now if you're feeling bold.
What About Business Names and Branding?
You can trade under your own name or a business name. For example, "Jo Bloggs" or "Jo's Garden Woodworks." Just make sure no one else is using it (Google it, check Companies House, and peek at Instagram handles whilst you're at it).
- No need to register the name unless you're setting up a limited company
- But get the .co.uk domain and Instagram handle early if you plan to use them
If you're printing labels, flyers, or signs - include a contact address (even a PO Box), not just your name.
Banking: Keep It Separate
You're not legally required to have a business bank account as a sole trader - but trust me, it makes life easier.
- Separates your garden funds from your Friday night takeaway spend
- Makes tax time way less painful
- Looks more professional when buying supplies or sending invoices
Plenty of free or low-cost business banking options out there - Starling, Monzo, Tide, or even your current bank.
Tax: Yes, You'll Have to Deal With It
As a sole trader, you'll need to file a Self Assessment tax return each year. The tax year runs from 6 April to 5 April.
- You don't pay tax on your first GBP12,570 profit (your personal allowance)
- You pay 20% income tax on anything over that (up to GBP50,270)
- And you'll need to pay Class 2 and Class 4 National Insurance if you earn enough
Sounds complex? Honestly, HMRC's system is more user-friendly than it used to be. And you can always use accounting software (like FreeAgent or QuickBooks), or hire a bookkeeper if spreadsheets make your head hurt.
Keeping Records (No, Not Vinyl Ones)
From day one, keep records of:
- Income - sales from markets, Etsy, website, direct orders
- Expenses - wood, paint, screws, tools, packaging, stall fees
- Receipts - photograph or scan them if you prefer digital
- Mileage if you drive to fairs or suppliers
Make a habit of logging things weekly. Doesn't have to be fancy. A spreadsheet, notebook, or app is fine. Future you will be grateful.
Insurance: Better Safe Than Sorry
You might not think you may need insurance - but if a hanging planter falls and injures someone, or your tools get nicked at a market, you'll be glad you had it.
- Public liability insurance is a must if you're selling at markets or in-person
- Product liability may be included - might protect you if your product causes harm
- Tools/equipment cover can also be handy if you rely on your gear
Providers like Prudent Plus, Simply Business, Direct Line or AXA can tailor quotes for makers and small traders.
Trading at Markets or Events
Fancy setting up a stall? Lovely! Just make sure you:
- Have your public liability insurance ready (some markets require proof)
- Check if the council or market has a trader licence scheme
- Follow safety rules (weights on your gazebo, fire-safe packaging, etc.)
Also - bring change, a float box, and a mobile card reader (like SumUp or Zettle). Most people expect to pay by card these days.
VAT and Making It Bigger
Ignore VAT for now unless you earn over GBP90,000/year (the threshold for registration as of 2025). If you ever get close, get advice from an accountant.
Want to set up a limited company instead of staying a sole trader? It gives you more protection and can look more professional - but comes with extra admin. It's worth doing if your income's growing fast or you're working with corporate clients.
Thoughts on the Topic:: Keep It Legal, Keep It Light
Look, admin isn't fun. But it doesn't have to be a drama either. If you stay on top of the basics - register, track your money, sort your tax - you'll be miles ahead of the "I'll wing it" crowd.
And more importantly, you'll feel confident. Like a proper business owner. Because that's what you are.
So make the tea, file the forms, and get back to what you love: creating things that make gardens better, one pot or sign at a time.