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I soon discovered that my accountant saved me money by knowing the small print details that enabled her to ensure maximum use of allowances which at the outset, unlike later years, I was unaware of. I kept my own accounts but she annualised them and added the allowances which more than paid her fees. Being retired but having earned a few grand thist year, she has done the same by arranging a lump sum payment rather than self asessment (as I am 72) and her fees are to be paid from legitimate savings she is able to make on my behalf.
But at the end of the day, it is up to you. It was nice also always having somebody to turn to for help when you got bills from IR&C, like I did, which were proved to be 'not due'.
Funny the comment about always submitting your self assessment money on time. Mine were always submitted very early as my spreadsheets were ready for the accountant the day after closure of the financial year. I still received a bill for £100 for late submission. Thye accountant discovered that as they were submitted very early, they became lost. I had to pay the £100 and wat until the following year to get the money refunded.
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This might be worth looking at: http://www.hmrc.gov.uk/courses/syob/farm/index.htm
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