Creditors? Debtors? Which one owes me money? Oh yes, of course I know I can’t just take out the money I need for my bills and holidays from my business **coughs** erm, yes I knew I had to charge VAT now... receipts, of course I have them all, and I think everyone has paid me that I invoiced, and I’m sure I can tell you right now what I owe in tax... and exactly when that’s due… pensions? Of course that’s all organised, er...