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Thanks for the advice MattR – can I ask if when you were trading under your own name if you registered it as a business name at all? E.g. “matt r – “?

One thing I’ve come across is people not wanting to pay into my personal account, so I’ve been thinking of registering my name followed by “web developer” or something along those lines so I can open a bank account in that name and avoid that problem. Also it would be nice to separate my business finances from my personal finances (which as a sole trader kind of are business finances too, but still)

Cheers for the advice