TL;DR

• What counts as allowable
• What doesn’t
• Simple checklist

What HMRC means by “wholly and exclusively”

• Definition in plain English
• Grey areas to watch

Common allowable expense categories

• Travel and subsistence
• Software, tools, hosting
• Professional fees and training
• Marketing and subscriptions
• Insurance

Not allowable: common traps

• Clothing vs uniform
• Client entertainment
• Fines and penalties

Record-keeping requirements

• What evidence you need
• How long to keep it

Worked examples

• Laptop purchase
• Mixed business/personal phone bill
• Conference trip

Quick checklist

• Eligible
• Evidence saved
• Categorised correctly

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Buy the UK Freelancer Tax Survival Kit

Top 10 Freelancer Tax Mistakes in the UK (2025 Edition)

If you’re freelancing in the UK, tax can feel overwhelming.
Here are the most common mistakes freelancers make — and how you can avoid them.

1. Missing the Registration Deadline

If you started freelancing in the 2024/25 tax year, you must register for Self-Assessment by 5 October 2025. Miss it, and you risk penalties.

2. Forgetting to Track Small Expenses

Coffee on client meetings, domain renewals, mileage — these add up.
Not tracking them means paying more tax than necessary.

How to Save £1,000 on Taxes as a UK Freelancer

Freelancers in the UK often pay more tax than they should — simply because they miss out on deductions or fail to plan ahead.
Here are straightforward ways to cut your tax bill this year.

1. Claim All Your Allowable Expenses

Home office costs, software, equipment, and professional subscriptions are all deductible.
Missing even small monthly costs adds up to hundreds over a year.