For many UK business owners, the idea of doing your own accounts seems simple: keep costs down, stay in control, avoid paying someone else to 'do the numbers.

But we’ve seen the other side. The late-night VAT returns. The missed deadlines. The three years of bad accounts that need fixing.

And guess what? DIY usually costs more than getting it right the first time.

What happens when you try to do your accounts yourself to 'save money'? This real-life client story tells you everything you need to know.

Story #1: The client who came back

Nine years ago, someone came to us for a chat. They liked what they heard but decided to do it themselves.
Three years later, they were back. None of the accounts were right. We had to redo everything.
Tax bills went up. Time was wasted. Stress levels? Off the charts.

Story #2: The £700 quarter

Another client signed up recently, already VAT registered under the flat rate scheme.
We ran a quick calculation. Switching schemes saved them £700 in one quarter.

They would never have spotted it on their own. Not because they’re not smart, but because they’re not accountants. We are.

What DIY doesn’t give you:

• Tax-saving insights
• Peace of mind
• Early-warning systems for cashflow, penalties, and compliance
• A partner who sees what you don’t

Why business owners DIY

• They think it’s cheaper (it’s not)
• They don’t realise what they’re missing
• They underestimate the time cost
• They’ve been misled by software ads and AI tools

A new client joined us while using the flat rate scheme. We ran a quick calculation, checked their figures properly, and switching schemes saved them £700 this quarter alone.

What a good accountant actually does

• Ensures accuracy and compliance
• Spots errors before HMRC does
• Optimises your tax position
• Helps with business planning, structure, and forecasting
• Answers your 'quick questions' that often save thousands

You don’t know what you don’t know

Running your business without professional advice is like driving without a dashboard.
You might be moving forward, but you have no idea what’s happening under the bonnet.

Get the Business You Want

The right accountant won’t just keep you compliant, they’ll help you grow with confidence.
At Carthy Accountants, we’re not just number-crunchers. We’re business partners.

Ready to talk? Get in touch today: https://carthyaccountants.co.uk/contact