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hi its marvel here from anna money we are a business bank account for small businesses and a business admin app that helps you calculate your vat return so that you basically dont have to if you are interested in any of those kinds of products please do have a look at our description and below where you can find some links to more information about the products that we offer but this video in particular ill be talking you through one of our free tools that is available on our website anna.money and this particular tool is our is our v80 filing mtd ready template and it basically helps you calculate your vat return for free um by you manually inputting all your sales and expenses transactions into it so you can find this as i said on the website once youve downloaded the particular template that is relevant for you we have three different types of templates one is for cash basis if youre cash accounting one is for invoice accounting and one is if you are on the flat rate scheme th