With Christmas now only a month away, it’s a good time to remind ourselves of what employers can provide to staff and directors, tax free. 

As well as moving into winter with an energy crisis, it's not just the temperature which is freezing. The Chancellor today froze (and reduced) many allowances, going cold on small business growth. 

With increasing interest rates, we need to get used to a new environment where debt has a more noticeable cost and cash has a meaningful value. It's likely to be worth paying attention to this area more than you have done for many years. Here are eight main things you might want to take a look at:

Apart from increasing their salaries, what affordable initiatives can you take to help alleviate your employees' cost of living increases?