Man, you're opening another can of worms that I'm finding hard to swallow at the moment I'm self employed, working 99% of the time for a mate's firm doing landscaping work. I get £100/day out of which I pay my own expenses, tax, NI etc, and take unpaid holiday time, while I'm charged out at just under £200/day. So firm makes £100/day out of me (before corporation tax), while I end up with £55-£70 to support family after I've paid my expenses and taxes. I also supply some of my own tools (hedgecutter, strimmer etc). Firm doing well. Good turnover, and the accompanying big tax bills. I moan about the money I get. Mate claims to take not much more than me, conveniently ignoring the fact that his tax is paid by the firm, as are his expenses, as is fuel for the family motor, etc, so in reality I probably end up with about half or less of what he does. When I moan about my tax bill he says he wishes his was as small as mine....again conveniently ignoring the fact that his tax is paid by the firm and doesn't come off what he takes as a wage. I'm working my bollocks off day in day out making more for a mate than I get myself, and after all these years it's getting to me. Never ever ever let him down, amd beginning to feel that for too long I've just been too grateful of the work.
So finally, the chance came along to quote for some work myself, all ok'd with my mate and lots of notice given. Put a good price in, mate got bit stroppy despite the fact he had plenty to do elsewhere as he wasn't needed on this job. All looking good. Thoughts of money in bank to tide me over while mate goes on hol for 2 weeks, and money to pay my tax bill. Then the flippin' customer delays me a week or more. Does wonders for my confidence, NOT. Christ, I'm mid 40s, highly qualified, recent B.Sc. and D.Phil and struggling to support family, pay mortgage etc, on £55-70/day. I know times are hard, but when people rub my nose in it (whether it's a customer mucking me about, or mate saying I should be grateful for a small tax bill and saying "money isn't everything"), I just wanna explode!