Christianah Mishael-Umoren

Lecturer| professional accountant

[Christianah Mishael-Umoren @ChrisEssence]

@jannygel @jannygel how did you hack the first interview that gave you the first professional role

[Christianah Mishael-Umoren @ChrisEssence]

@richardokunolar Amen

[Christianah Mishael-Umoren @ChrisEssence]

@richardokunolar Hello Richard
I sent a DM

Thanks

[Richard Okunola @richardokunolar]

Today marks the beginning of a new tax year in the UK - 2026/27 tax year.

A fresh start and a clean slate.… for most people in employment, a moment that passes without a second thought.

But if you work multiple jobs, pick up agency shifts, or have any income source outside your main employment, this is the moment to pay attention.

Without the right steps in place, your tax allowance, the portion of your income you are entitled to earn tax-free, can end up split in the wrong places, or worse, exhausted entirely before your main job even benefits from it.

I have tried to depict what is happening in the background below.

Most UK taxpayer gets a Personal Allowance.

For the 2026/27 tax year it remains at £12,570.

HMRC communicates this to your employer through something called a tax code, most commonly 1257L.

That code is the instruction your employer uses to calculate how much tax to deduct from your pay.

The problem is that HMRC does not always know which job is your main one.

If you have two or three sources of employment income, they may distribute your allowance across all of them, or assign a basic rate code to your secondary jobs, meaning tax is deducted from the very first pound earned there.

In some cases, especially with agency work, an emergency tax code gets applied and you end up overpaying significantly before anyone corrects it.

The good news is you can take control of this right now, at the start of the year, before the problem compounds.

📍Here is what to do.

Contact HMRC directly, either online through your Personal Tax Account at https://t.co/6CVA3CHRwE or by calling 0300 200 3300, and inform them which employment is your primary source of income.

Ask them to allocate your full Personal Allowance to your primary employment only. Your secondary jobs and agency work should then be coded BR (20% tax) or D0 (40% tax) depending on the tax band, meaning tax is deducted at the flat basic or higher rate, but your main income is protected.

If your circumstances changed last year, new job, additional agency contracts, a side income that became regular, do not assume HMRC has the right picture. They work from the information they have. You are the one who knows your full situation.

A wrong tax code will not fix itself quietly. It either costs you money month by month or creates an underpayment that catches up with you later. Although, if you overpay, you are likely to get a refund, but that might be much later after the tax year ends.

The new tax year is a natural reset point. Use it.

Check your tax code today by login into the HMRC tax app. Make sure your main job is the sole beneficiary of the allowance you are entitled to.

You earned it. Make sure it is working for you.

You need some support with your tax affairs in the UK? Feel free to reach out to me and my team.

Have a blessed week ahead!

#taxwithrichy

[Christianah Mishael-Umoren @ChrisEssence]

@Johnsontaiwo_ ROADMAP

[Johnson Taiwo 🇬🇧 @Johnsontaiwo_]

If you're a Data Analyst, Operations Analyst, or aspiring Supply Chain & Logistics Analyst who wants to move from reporting dashboards to driving real supply chain decisions, read this:

Dashboards are not enough.
Modern supply chain teams promote analysts who can:
• Forecast demand under uncertainty
• Optimise inventory and release working capital
• Model cost-to-serve and margin impact
• Quantify supplier and operational risk
• Simulate stockouts and lost-sales exposure
• Design efficient distribution and network flows

Most analysts track KPIs.
Very few understand capital and operational impact.

So I built the >>Supply Chain Capital Intelligence Blueprint << to move you from metric reporting to operational decision intelligence.

A system with two parts:
>>1. Supply Chain & Capital Intelligence Framework

Learn how real supply chains actually operate:
• Working capital & inventory optimisation
• Cost-to-serve and margin dynamics
• Supplier & concentration risk
• Multi-echelon inventory logic
• Transport cost volatility
• Network design and expansion strategy
• Executive operational communication

>>>2. The 12-Week Practical Supply Chain Analytics Roadmap

Build 10 real-world projects:
• Inventory optimisation (capital-focused)
• Cost-to-serve modelling
• Stockout and lost-sales simulation
• Supplier risk analysis
• Network optimisation
• Demand variability modelling
• Capacity and fulfilment analysis
• Capital allocation modelling
• Service level vs cost trade-offs
• Operational KPI system (decision-focused)

This is not decorative analytics.
This is institutional-level operational intelligence.

If you want the roadmap:
➡️Like
➡️Repost
➡️Comment ROADMAP
➡️send me a DM, I’ll share it

[Christianah Mishael-Umoren @ChrisEssence]

@richardokunolar A sure one here

[Deeper Life Bible Church @dclmhq]

Thailand Miracle Encounter 2
Pastor W.F. Kumuyi’s ministry shook Thailand with salvation, healing &amp; deliverance. Lives transformed, faith ignited, destinies renewed! #ThailandEncounter #PastorWFKumuyiInThiland

[Christianah Mishael-Umoren @ChrisEssence]

@YomiOlugbenro @DeloitteNigeria Congratulations 🎉

[Christianah Mishael-Umoren @ChrisEssence]

@richardokunolar Great blessings on you. You have been selfless and really giving to the accounting community

[Christianah Mishael-Umoren @ChrisEssence]

@Johnsontaiwo_ Roadmap

[Johnson Taiwo 🇬🇧 @Johnsontaiwo_]

If you’re a Data Analyst, CRM Analyst, or aspiring Marketing Analyst who wants to move from Junior into senior-level commercial impact in the next 12 weeks, read this. 👇👇

You don’t get promoted for building dashboards.
You get promoted for influencing revenue.

Most analysts stop at reporting:
- CTR.
- Conversion rate.
- CPA.

Senior analysts answer:
Where should we scale?
What should we cut?
Why did revenue move?
What do we do next?
That’s a different level of thinking.

So I built a 12-week practical roadmap designed to move you from metric reporting to commercial decision-making.

No theory-heavy fluff.
No passive courses.
No random portfolio projects.

Just 7 real-world builds using real datasets:
• Campaign ROI & budget reallocation
• Conversion prediction (lead scoring)
• A/B testing with statistical confidence
• RFM segmentation for retention strategy
• Churn risk analysis
• Cohort retention modelling
• Marketing mix & incrementality thinking

By the end, you’ll have:
• 6–8 commercial case studies
• A strong public portfolio
• Clear KPI fluency
• Interview-ready impact stories
This is how you transition from “analyst” to revenue operator.

If that’s your goal, reply ROADMAP, REPOST, and I’ll share it to your DM.

[Christianah Mishael-Umoren @ChrisEssence]

@jannygel Hello Jane, does have ACTI give exemption for CTA

[Christianah Mishael-Umoren @ChrisEssence]

@UBAGroup
Kindly add features stating the name of sender and date of transactions on generated receipts.
Honestly it helps a lot.
Thank you for looking into this.

[Christianah Mishael-Umoren @ChrisEssence]

@The_Value_Guy @SamdGreat01 Don't give up on yourself pls 🙏

[Christianah Mishael-Umoren @ChrisEssence]

@CoachKingLeon TAX GUIDE

[King Leo @CoachKingLeon]

I just dropped a full breakdown showing how Nigerians can legally pay 0% tax... even if you earn from freelancing, crypto, YouTube, affiliate marketing, or online business.

This SHORT guide reveals:

- The new 2026 FIRS digital monitoring system

- Why freelancers will start paying 7–24% automatically

- How to switch from Personal Income Tax to 0% Company Income Tax

- The exact CAC structure that makes your income legally tax-free

The step-by-step method to protect your bank inflows from heavy tax deductions

All you need is a phone or laptop.

Like, RT + reply “TAX GUIDE” and I’ll DM you the full document (must be following)

[Christianah Mishael-Umoren @ChrisEssence]

@kcee_Chelsea @AboladeSam027 @CoachKingLeon Not monthly

[Christianah Mishael-Umoren @ChrisEssence]

@KennethEmpire @CoachKingLeon DM