You're a sole trader and nobody told you MTD would show up to crucify your cashflow. Let's talk about it.

Making Tax Digital. Three words that sound harmless until you realise what they actually mean for your business.

Quarterly reporting. Digital records. Software you didn't budget for. Time you don't have.

If you're a sole trader earning over £50,000, it's mandatory from April 2026. If you're earning over £30,000, you're next.

Nobody sat us down and explained this. Nobody warned us about the cost of compliance. Nobody mentioned that the software most people recommend costs more per month than some of us spend on fuel.

So let's talk about it. How are you handling MTD? Are you ready? Are you panicking? Are you pretending it's not happening?

No judgement here. Just coffee and honesty.