THE ACCOUNTANT FOR WOMEN

AND NOT FOR PROFIT ORGANISATIONS

Who are we?

3 Little Birds Finance®️ is a digital accountancy practice created to make finance feel simple, supportive, and stress-free for women-led businesses and not-for-profits of all shapes and sizes.

We believe good financial management isn’t just about numbers, it’s about giving you clarity, confidence, and the freedom to focus on what you do best.

We’re not your average accountancy practice—and we’re perfectly happy about that.

Our work is guided by seven core values:

  • Clarity & Confidence – We explain finances simply, so you feel capable and in control.

  • Support That Feels Personal – We care about your success and act as part of your team.

  • An Inclusive Approach – We welcome everyone with patience, understanding, and no judgment.

  • Straightforward Communication – We keep things honest, clear, and jargon-free.

  • Expert Advice, Done Properly – We stay up to date so our advice is accurate and compliant.

  • Big Picture Thinking – We support women in business and advocate for inclusion and balance.

  • Work-Life Balance Matters – We believe business should fit around life, not overwhelm it.

Keep reading to meet our founder and find out why we don’t ‘do’ spreadsheets

“Working hard for something we do not care about is called stress, working hard for something we love is called passion.”

— Simon Sinek

Person with dark hair and glasses smiling against a blue background.

Meet Our Founder

I’m Niki Couldridge, founder of 3 Little Birds Finance®. I’ve been working in accountancy since 2005 and became a Xero-certified advisor in 2013. In 2019, I completed a postgraduate diploma in Charity Accounting and Management at City University’s Centre for Charity Effectiveness, which inspired me to create 3 Little Birds Finance.

Over the years, I’ve had the privilege of working with all kinds of businesses and charities, from small creative start-ups to established not-for-profits.

Along the way, I’ve learned that finance is about much more than numbers; it’s about people, purpose, and making space for good work to thrive.

We do not do spreadsheets. Why?

In short, it will soon be compulsory to keep your finance records in digital form.

The main reason we will only work with Xero (aside from loving it!) is to ensure our clients are ready for Making Tax Digital for Income Tax Self Assessment (MTD for ITSA) which requires businesses and landlords with qualifying income to maintain digital records and update HMRC each quarter using compatible software.
For individuals, MTD for ITSA will be introduced in two phases:
  • from April 2026, for those with qualifying income over £50,000
  • from April 2027, for those with qualifying income over £30,000
Soon this will also become a requirement for partnerships and limited companies. 

Having worked through the transition to Making Tax Digital for VAT, Niki has experienced the extra work and cost caused when implementing digitisation of accounts systems at a later point in time and with a statutory deadline looming.

For more information check out the HMRC link here.