As I explained in Part I, I am a sole trader, selling my (alleged!) professional expertise and experience. I’ve been self-employed for nearly three and a half years, having previously been an MD in one of the UK’s biggest specialist advertising agencies. So (I think) I’m reasonably financially astute and computer literate. Nonetheless, I needed some persuasion to use Cloud Accounting. Although the demo of Xero Cloud Accounting, provided by Steven at M&S (who have been my accountants throughout), was straightforward, it surely couldn’t be that easy, could it?