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Many UK small businesses face a familiar pattern: strong sales in some quarters, losses in others, yet the year closes in profit. This uneven cash flow creates real challenges. Bills arrive on fixed schedules, but revenue does not. A business might win a major contract in spring, then face a…

At 29, Pablo wins 2000 euros per month as a kitchen assistant in a seafood restaurant in the south of France. Without a diploma, he learned his trade on the job and is satisfied with his salary “ if we take into account the fact that I don’t even have…