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No way is 48 too late. Not at all. Especially if you're wanting to start a business. Age is just one of those things that people tend to use to persuade themselves they're not "good enough" to get going with something. And it's just not true.
I've heard plenty of people say they're too young...
I'd not heard of Quickfile before - it looks like a powerful, albeit basic, system. I wish I'd found that when I was starting out! Now I really value the automatic bank feed imports on freeagent, and the way you can complete self assessment returns inside the tool and submit straight to HMRC...
I'm a bit late to the party here, but I'm a big fan of Freeagent. It's similar to Xero, but in my opinion a more powerful offering. They're UK based and have good integration with HMRC and consideration of UK law. They have a free trial if you're interested and 10% off with this link (you'll...
You'd probably be surprised at the margins that are possible. I started doing retail arbitrage almost 18 months ago as a bit of an experiment on the side of a full-time job. I started with £300 and left my job within 9 months (RA made up about half of my income when I quit). I'm still doing...