FMPay

Take Online Payments Simply! Low fees | No contracts | No subscription fees | No hidden costs | Dedicated local account managers | Next-day payouts https://fmpay.me/

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MFSA Approval for Eurpean Expansion

💡 Big news for businesses! FMPay just secured MFSA approval to expand our low-cost, contract-free payment solutions across Europe! 🎉

Say goodbye to hidden fees & rigid contracts—we make payments simple, affordable, and backed by real human support.

Tag a business that could benefit from hassle-free payments! 👇

FMPay secures MFSA in principle approval to expand across Europe | FMpay

FMPay secures MFSA approval to expand in Europe, offering simple, low-cost payments with no contracts or hidden fees. Learn more here

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💳 Stop overpaying for payment processing! FMPay offers secure, low-cost transaction rates so you keep more of your hard-earned revenue. ✅ 0.99% + £0.09 per transaction ✅ No monthly fees | No contracts | No set up costs ✅ Daily payouts for better cash flow Start accepting payments seamlessly. Sign up in minutes! 🚀 💡 Get Started Today

Join FMPay today for fast, secure payment processing. Low fees, quick payouts, and personalised support—sign up now and simplify your paymen

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Smoothie and Movie - Emily's Gift with @MilesOwen and @ZigsExercise

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Tired of high payment fees? FMPay helps UK businesses keep more of their earnings with low rates and no monthly fees. Switch to lower fees today!

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FMPay, founded by Roman Loban in Cheltenham, is on a mission to revolutionise payment solutions for UK small businesses, offering simple, reliable, and transparent services designed to help entrepreneurs focus on what truly matters - growing their businesses to new heights!

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Understanding Payment Processing Fees: A Comprehensive Guide for Small Businesses

Understanding Payment Processing Fees: A Comprehensive Guide for Small Businesses | FMpay

Learn how to manage and reduce payment processing fees for your UK small business in 2024. Discover key factors, practical tips, and ways to

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Invoice Generator

Create an invoice and export it in a pdf format in moments.

Use our free invoice generator today!

Free Invoice Generator: Create Professional Invoices Online with Xiva

Easily create professional invoices for free with Xiva's online invoice generator. Customise details, add your logo, and download as PDF. St

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Time Management

Attention Small Business Owners and Freelancers!

Staying on top of your tasks just got easier with these top time management tools for 2024! Whether you're managing projects, tracking time, or invoicing, there's something for everyone. Check out our top picks:

• ClickUp - The ultimate all-in-one project management tool. • Toggl Track - Effortless time tracking for your tasks. • Harvest - Perfect for time tracking and invoicing. • TickTick - Enhance focus with Pomodoro Timer. • Trello - Visual and intuitive task management. • Notion - Your all-in-one workspace for notes, tasks, and projects.

These tools will help you stay organised and efficient, giving you more time to focus on what you do best.

Check out the full list and find the perfect tool for you at Xiva.com

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From Scenic Peaks to Small Business Leaps

Building Trust and Community

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UK Income tax Calculator

Use our UK Income Tax Calculator to estimate your take-home pay after taxes, pension contributions, and more. Perfect for budgeting and financial planning.

Calculate Your UK Take-Home Pay

Use our UK Income Tax Calculator to estimate your take-home pay after taxes, pension contributions, and more. Perfect for budgeting and fina

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Tax Guide for UK Sole Traders and Small Businesses

Understand your tax obligations as a UK sole trader or small business owner. Learn about income tax, NICs, VAT, and allowable expenses to ke

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Strategic Wins and Inspirational Drives

Mastery, Versatility, and the Psychology of Money

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Budgeting Calculator

Trying to get a handle on your finances? Check out Xiva's Budget Guide. Learn why budgeting is crucial, how to create one that works, and use our Budget Calculator for a clear financial picture.

Budget Guide and Finance Calculator

Discover practical tips and tools for effective budgeting. Learn how to manage your money, pay off debt, save for goals, and avoid financial

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Mastery vs Versatility

Is it better to master one field or develop a range of skills? Reflecting on insights from Robert Greene and Scott Adams, this post explores

How easy is it to master a field you're passionate about? Is it crucial for success, whether in starting a business or advancing your career? Robert Greene, in his book Mastery, says: “Mastery is not a function of genius or talent. It is a function of time and intense focus applied to a particular field of knowledge.” This means if you want to become a video editor, writer, or hairdresser, dedication and focused effort will eventually lead to mastery and success, translating into more opportunities and growth. However, Scott Adams, in How to Fail at Almost Everything and Still Win Big, offers another view. He built the famous comic Dilbert by combining mediocre skills: “None of my skills are world-class, but when my mediocre skills are combined, they become a powerful market force.” In a fast-changing world, should you focus deeply on one field or build a portfolio of skills? I believe both are important. I specialised in philosophy but also expanded into storytelling, marketing, and web development. This helped me build a business and opened new opportunities. Master one field, but also develop additional skills to stand out. Combining skills can create something unique, just like Scott Adams did with his comic.

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The Small Business Corner | Xiva | Substack

Insights for Small Business Success and Digital Transformation. Click to read The Small Business Corner, a Substack publication. Launched a

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Are you struggling to turn your business goals into reality?

A clear and effective strategy might be the missing piece.

Creating a strong strategy is essential for small business success. Drawing from Richard Rumelt’s insights in “Good Strategy/Bad Strategy,” let’s explore what makes a strategy effective.

Imagine you’re a freelance writer aiming to attract more clients. Simply wanting more clients isn't a strategy, it's more of a goal.

Rumelt emphasizes three key elements:

• Diagnosis: Identify and understand the core challenges.

Example: If you're struggling to get clients, determine if the issue is your marketing approach, pricing, or service quality.

• Guiding Policy: Develop an approach to address these challenges.

Example: If marketing is the issue, focus on improving your online presence and leveraging social media.

• Coherent Actions: Implement actions that align with the guiding policy.

Example: Create a content calendar for social media, update your website, and engage with potential clients online.

Whether you're a freelancer, hairdresser, or consultant, clear objectives and actionable plans are key to overcoming obstacles and achieving growth.

Think of strategy as careful diagnosis. Understand your challenges, outline policies to address them, and implement coherent actions. This thoughtful approach helps steer your business towards success.

Xiva | Manage your business and easily accept payments

Xiva is a powerful and user-friendly all-in-one app for small businesses. We make it easy for you to accept payments, automate your schedule

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Five Effective Marketing Strategies for Small Businesses on a Budget

Discover effective ways to connect with your audience without overspending. Read more at the following link:

Five Effective Marketing Strategies for Small Businesses on a Budget

Discover effective ways to connect with your audience without overspending.