Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Positivity on October 18, 2016, 08:51:54 am
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Average wages for self-employed workers are lower than in 1994-95, researchers say.
http://www.bbc.co.uk/news/business-37678065
How about you?
Budding entrepreneur or forced into it?
I was forced into it after being made redundant in the Local Authority cuts after the financial crisis.
Fortunately I've had 3 window cleaning rounds before here and in Ireland so the shock wasn't too great.
But as the report says many self employed are on low earnings with no holidays, pension, or employment protection.
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you was forced into becoming what?
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Average wages for self-employed workers are lower than in 1994-95, researchers say.
http://www.bbc.co.uk/news/business-37678065
How about you?
Budding entrepreneur or forced into it?
I was forced into it after being made redundant in the Local Authority cuts after the financial crisis.
Fortunately I've had 3 window cleaning rounds before here and in Ireland so the shock wasn't too great.
But as the report says many self employed are on low earnings with no holidays, pension, or employment protection.
I saw that this morning. Obviously it doesn't affect me because I'm Billy Big Balls and VAT reg. £240 a week?? Jeez, that's a 3 bed semi with a small conny.
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I wasn't forced into becoming a window cleaner as I thought it was a good idea at the time, but because of my age
I'm forced to stay one.
That said I was talking to one of the new Amazon drivers a while back and he was saying he gets £450 a week for 6 days and has to pay £200 a week out of that for the van and fuel.
Certainly the building game in many parts of the country has taken a nosedive where prices are concerned but then in many places they where overinflated before the banking crash.
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thats self employed parcel/takeaway delivery drivers,taxi drivers,hairdressers etc not window cleaners with their own businesses.
put it this way i reckon i would of gone out of business by now if my wages were £240 a week(after expenses,tax,insurances,running costs,etc) ::)roll
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thats self employed parcel/takeaway delivery drivers,taxi drivers,hairdressers etc not window cleaners with their own businesses.
put it this way i reckon i would of gone out of business by now if my wages were £240 a week(after expenses,tax,insurances,running costs,etc) ::)roll
You were probably earning that from taking your empties back in 1995. ;D
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"Forced in to it!"
But enjoying it and like to think I've made something of it.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
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I don't know - I think many people are basically honest. I don't mean "straining out the gnat" honest but basically. HMRC have many systems which flag up disparity and I'm told they look at expenditure which seems too high for income declared. Unless there has been an inheritance or some such they will then look deeper. And don't forget they can look "anywhere" at any account in the furtherence of investigations. They even have powers of search and arrest.
I reckon many self employed pay their wives/partners (especially if they themselves are at home with little kids or whatever) or family member to "keep the books" and generally help out with office stuff - which reduces their personal tax bill.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
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I chose to go in to it, as a mate who decided one day he wanted a new TV went and bought one. I'd never been able to afford to get what I wanted like that.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
Although the franchisees are getting 80% pf the value of a clean rather than £1 a delivery. I suspect those I'm currently employing would bite my hand off for that.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
Although the franchisees are getting 80% pf the value of a clean rather than £1 a delivery. I suspect those I'm currently employing would bite my hand off for that.
Agreed, there nothing wrong with any of the above as long as you have people willing to play fair, the thing is there's no employee protection for those employers that don't.
£1 a delivery (shock) Amazon Logistics bosses will be spitting their coffee out after reading that, its £40 a day after expenses
are deducted for a lot more than 40 deliveries.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
Although the franchisees are getting 80% pf the value of a clean rather than £1 a delivery. I suspect those I'm currently employing would bite my hand off for that.
Agreed
Stop press they actually agreed on something! !
;D
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I wasn't forced into becoming a window cleaner as I thought it was a good idea at the time, but because of my age
I'm forced to stay one.
That said I was talking to one of the new Amazon drivers a while back and he was saying he gets £450 a week for 6 days and has to pay £200 a week out of that for the van and fuel.
Certainly the building game in many parts of the country has taken a nosedive where prices are concerned but then in many places they where overinflated before the banking crash.
The bloke that delivers for Amazon round my way drives an old Transit (which I would assume he owns) and he also does Sunday deliveries.
So perhaps that's how he affords to make it pay.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
Although the franchisees are getting 80% pf the value of a clean rather than £1 a delivery. I suspect those I'm currently employing would bite my hand off for that.
Agreed
Stop press they actually agreed on something! !
;D
Got to admit I wasn't expecting it. ;)
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
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Self employed have to keep their wage down, to claim the tax credits. Innit.
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
Sadly no i cant read english velly good as im Romanian.
I miss read the what you was forced into part thinking you meant your a budding entrepreneur as many do seem to actualy think that on here. I understand now you didnt mean that at all so my apologies.
A good thread.
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God old fashioned Romanian name is Mick Kent ;D ;D
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
£26k a year is not a very good salary IMO even with holiday/sick pay and expenses,etc.i earn a lot more window cleaning 30-35 hours a week 10 months a year. :)
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God old fashioned Romanian name is Mick Kent ;D ;D
Mickalik Kentchino is my full name. ;D
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
£26k a year is not a very good salary IMO even with holiday/sick pay and expenses,etc.i earn a lot more window cleaning 30-35 hours a week 10 months a year. :)
Dazmond get a grip on yourself mate, £26k a year would put you in the top 20% of UK earners not to mention what it would
cost you to build up a £26k a year pension.
Some people need to think before they brag or better still leave it to the guys who are good at it. lol.
Just to be clear I'm not saying you don't earn more than £26k.
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Would anyone on here pay their staff a salary of £26k?
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Daz
£2600K
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
£26k a year is not a very good salary IMO even with holiday/sick pay and expenses,etc.i earn a lot more window cleaning 30-35 hours a week 10 months a year. :)
£26K is the base line, you bang on about how much you earn but you still live in a council flat.
You will still be paying rent when your body is F *** by hard physical work window cleaning and you'll still have the rent to pay when you can't work, with no pension.
Self-employment is free and easy on your time but never underestimate the value of a regular salary with benefits, try getting a mortgage now as self-employed and buy yourself out of the "generation rent" trap.
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Dazmond's always got his drumming to fall back on.
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Dazmond's always got his drumming to fall back on.
Boom-Tish....
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I blame guys like Mickalik Kentchino, coming over here and taking all the best paying customers.
Roll on Brexit. lol.
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Daz
£2600K
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
£26k a year is not a very good salary IMO even with holiday/sick pay and expenses,etc.i earn a lot more window cleaning 30-35 hours a week 10 months a year. :)
£26K is the base line, you bang on about how much you earn but you still live in a council flat.
You will still be paying rent when your body is F *** by hard physical work window cleaning and you'll still have the rent to pay when you can't work, with no pension.
Self-employment is free and easy on your time but never underestimate the value of a regular salary with benefits, try getting a mortgage now as self-employed and buy yourself out of the "generation rent" trap.
im really not bothered about owning my own property mate.i never have been.im happy to pay a peppercorn rent(£77 per week including gardening services,maintenance etc).in fact ill be getting a new central heating system and boiler soon. ;D
besides my brother is nearly a millionaire now so i know he would see me right if i had to pack in window cleaning for whatever reason.im only 44 though.plenty of life left in me yet! :)
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I blame guys like Mickalik Kentchino, coming over here and taking all the best paying customers.
Roll on Brexit. lol.
Yeah, shamelessly lying to new home owners, as well.
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besides my brother is nearly a millionaire now so i know he would see me right if i had to pack in window cleaning for whatever reason.im only 44 though.plenty of life left in me yet! :)
This time next year, eh, Daz?
"Stick a pony in me pocket....."
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besides my brother is nearly a millionaire now so i know he would see me right if i had to pack in window cleaning for whatever reason.im only 44 though.plenty of life left in me yet! :)
This time next year, eh, Daz?
"Stick a pony in me pocket....."
;D ;D ;D ;D ;D ;D ;D
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left a career in the NHS and started a cleaning company. after 3 years of that i started a separate window cleaning company too
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I used t’lick roadd clean in ma day.
Bein’ a windy afta tha, eez always goin’t be batter than pickin’ tarmac oft tongue.
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I blame guys like Mickalik Kentchino, coming over here and taking all the best paying customers.
Roll on Brexit. lol.
Why you disrespect and blame me man? I work hard. I used to like reading your posts. Feel utterly bruised now. :'(
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
£26k a year is not a very good salary IMO even with holiday/sick pay and expenses,etc.i earn a lot more window cleaning 30-35 hours a week 10 months a year. :)
Dazmond get a grip on yourself mate, £26k a year would put you in the top 20% of UK earners not to mention what it would
cost you to build up a £26k a year pension.
Some people need to think before they brag or better still leave it to the guys who are good at it. lol.
Just to be clear I'm not saying you don't earn more than £26k.
Nonsense. The average UK salary is higher than that. I pay my guys £26k.
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(http://www.cleanitup.co.uk/smf/1476822934_Selection_324.jpg)
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The figure for the uk average salary is useless - as the wages in London push the average up, just like the average U.K. house prices
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The figure for the uk average salary is useless - as the wages in London push the average up, just like the average U.K. house prices
I remember having this discussion before. I thought like you, apparently though they take that into context. I thought...."typical wage" might be better, but again that will come down to where you live and your peer group. Vin from Perfect windows had something to say on the subject, probably proving me wrong !!! :-) Best we have to go on though is them figures.
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The figure for the uk average salary is useless - as the wages in London push the average up, just like the average U.K. house prices
I remember having this discussion before. I thought like you, apparently though they take that into context. I thought...."typical wage" might be better, but again that will come down to where you live and your peer group. Vin from Perfect windows had something to say on the subject, probably proving me wrong !!! :-) Best we have to go on though is them figures.
It's not an average (mean), it's the middle (median) so it takes a complete spread of salaries and takes the figure in the middle. So it would take into account regional variation assuming the sample was geographically spread.
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In real terms though say you earn £37000 as a self employed windie - you're still not much better off than the salaried person on £27000 are you?
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The figure for the uk average salary is useless - as the wages in London push the average up, just like the average U.K. house prices
I remember having this discussion before. I thought like you, apparently though they take that into context. I thought...."typical wage" might be better, but again that will come down to where you live and your peer group. Vin from Perfect windows had something to say on the subject, probably proving me wrong !!! :-) Best we have to go on though is them figures.
It's not an average (mean), it's the middle (median) so it takes a complete spread of salaries and takes the figure in the middle. So it would take into account regional variation assuming the sample was geographically spread.
Yeah ok i think i understand it now. Median, and thats what we are looking at there and its correct. It is typical.............
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In real terms though say you earn £37000 as a self employed windie - you're still not much better off than the salaried person on £27000 are you?
If you have expenses of 10k a year as a window cleaner (on your todd) then i'd guess you're doing something wrong.
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In real terms though say you earn £37000 as a self employed windie - you're still not much better off than the salaried person on £27000 are you?
True. Probably worse off.
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In real terms though say you earn £37000 as a self employed windie - you're still not much better off than the salaried person on £27000 are you?
If you have expenses of 10k a year as a window cleaner (on your todd) then i'd guess you're doing something wrong.
Holidays, sick pay, pension, health insurance etc.
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My costs are typically around 6k a year, no sick pay, no holiday pay plus outgoings for sickness insurance, money aside for the next van, etc. If I only turned over £37000 then I'd just as well be employed for £27000 given the right job.
Many guys only look at their turnover which is great if you are fiddling the system.
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In real terms though say you earn £37000 as a self employed windie - you're still not much better off than the salaried person on £27000 are you?
If you have expenses of 10k a year as a window cleaner (on your todd) then i'd guess you're doing something wrong.
Holidays, sick pay, pension, health insurance etc.
Pension payments attract no tax. Sick pay for anyone is an unknown..and its cost a pure guess. You may never need it, or to rely on it. But i guess we all save a bit just incase. Holidays is factored in i would assume......27K employed, you have holidays paid. 37K self employed, you done that and still had holidays ? I'd take 37K self employed anyday over 27K employed. Its like being paid 10k a year to run a van !!
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
£26k a year is not a very good salary IMO even with holiday/sick pay and expenses,etc.i earn a lot more window cleaning 30-35 hours a week 10 months a year. :)
Dazmond get a grip on yourself mate, £26k a year would put you in the top 20% of UK earners not to mention what it would
cost you to build up a £26k a year pension.
Some people need to think before they brag or better still leave it to the guys who are good at it. lol.
Just to be clear I'm not saying you don't earn more than £26k.
Nonsense. The average UK salary is higher than that. I pay my guys £26k.
What's nonsense 80% of the UK population earn less than £22k a year, to get into the top 10% all you need is above £44k
top 5% is £58k and above.
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My costs are typically around 6k a year, no sick pay, no holiday pay plus outgoings for sickness insurance, money aside for the next van, etc. If I only turned over £37000 then I'd just as well be employed for £27000 given the right job.
Many guys only look at their turnover which is great if you are fiddling the system.
Your higher hourly rate pays for your hols etc ...thats why you do not earn 8/9/10 pound per hour, thats where your holiday pay comes from amongst other stuff. Its nothing to do with "fiddling the system". And..if you have "sickness insurance", i do not have it , but i have had it before..check the details...it probably pays out for a limited period only after you have been off for so long. i.e if you have a week in bed with the Flu, or a sore arm then you'll probably be getting nothing.
Its a foregone conclusion that an employed person will generally work 11 months of the year as they have 1 months holiday as a legal requirement. If like Daz says, and you're pretty average anyway..having some holidays and losing a day or two here and there it will equate to you've probably worked 10 months.
I think where you see the benefit is that you do not have to pay expenses to get to work, for some employed people them expenses are considerable. Thats a massive saving. We, as self employed pay less NI.
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When I was PAYE employed my expenses where around £4k a year which mainly went on a daily 60 mile commute,
no sick pay no free pension and none of that £4k was tax deductible.
So pound for pound I'm better off self employed, as for holiday pay it doesn't exist you work x amount of weeks per year for
x amount of pay divided up into 52 weeks that's how it works PAYE or self employed.
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There was a small line that article that makes the difference - "self-employed are working less hours than 20 years ago"
less hours = less money?? shock. horror.
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
£26k a year is not a very good salary IMO even with holiday/sick pay and expenses,etc.i earn a lot more window cleaning 30-35 hours a week 10 months a year. :)
Dazmond get a grip on yourself mate, £26k a year would put you in the top 20% of UK earners not to mention what it would
cost you to build up a £26k a year pension.
Some people need to think before they brag or better still leave it to the guys who are good at it. lol.
Just to be clear I'm not saying you don't earn more than £26k.
Nonsense. The average UK salary is higher than that. I pay my guys £26k.
What's nonsense 80% of the UK population earn less than £22k a year, to get into the top 10% all you need is above £44k
top 5% is £58k and above.
38k is the gateway to the top 20%. 26k will put you in the top 40%.
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37K a year self employed looks like this.....
(http://www.cleanitup.co.uk/smf/1476828095_Selection_328.jpg)
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27K a year employed looks like this....
(http://www.cleanitup.co.uk/smf/1476828174_Selection_329.jpg)
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Swings and roundabouts NI is what 9% of gross? The ten grand difference boils down to probably not much more than about three grand provided you're paying the required tax so tutting about a measly 27K a year is much closer to 37k than many think.
I've often wondered how much more a self employed person needs to earn on average to match a salary.
In my employed job I could cycle to work and practically eliminate all costs and I knew I would be paid every week day of the year. I could work overtime and get my holiday pay as an average working weeks pay.
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Swings and roundabouts NI is what 9% of gross? The ten grand difference boils down to probably not much more than about three grand provided you're paying the required tax so tutting about a measly 27K a year is much closer to 37k than many think.
I've often wondered how much more a self employed person needs to earn on average to match a salary.
In my employed job I could cycle to work and practically eliminate all costs and I knew I would be paid every week day of the year. I could work overtime and get my holiday pay as an average working weeks pay.
Well, we're all different eh ? Some people only run a second family car to get to work, thats a not inconsiderable expense..not liable for any tax break either. And running a car for a year aint cheap. But as you point out, if you can walk to work, thats a cost eliminated...this is all childs stuff really..anyone knows this surely ?
And NI is a percentage of your Nett not your Gross.
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Swings and roundabouts NI is what 9% of gross? The ten grand difference boils down to probably not much more than about three grand provided you're paying the required tax so tutting about a measly 27K a year is much closer to 37k than many think.
I've often wondered how much more a self employed person needs to earn on average to match a salary.
In my employed job I could cycle to work and practically eliminate all costs and I knew I would be paid every week day of the year. I could work overtime and get my holiday pay as an average working weeks pay.
Employed or self employed has nothing to do with it, there will be employed workers paying thousands a year commuting to
work and self employed shiners paying peanuts to work a round on their doorstep and vice versa.
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There was a small line that article that makes the difference - "self-employed are working less hours than 20 years ago"
less hours = less money?? shock. horror.
"self employed" now covers people on contractors schemes, IR35 schemes and Umbrella companies. Many who find work through agencies..jobs like, labouring, driving, cleaning...that ordinarily attracted "employed status". In effect what you are seeing is casual employees being pushed into "self employed status". Figures and stats eh ? ;D
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Daz
£2600K
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
£26k a year is not a very good salary IMO even with holiday/sick pay and expenses,etc.i earn a lot more window cleaning 30-35 hours a week 10 months a year. :)
£26K is the base line, you bang on about how much you earn but you still live in a council flat.
You will still be paying rent when your body is F *** by hard physical work window cleaning and you'll still have the rent to pay when you can't work, with no pension.
Self-employment is free and easy on your time but never underestimate the value of a regular salary with benefits, try getting a mortgage now as self-employed and buy yourself out of the "generation rent" trap.
im really not bothered about owning my own property mate.i never have been.im happy to pay a peppercorn rent(£77 per week including gardening services,maintenance etc).in fact ill be getting a new central heating system and boiler soon. ;D
besides my brother is nearly a millionaire now so i know he would see me right if i had to pack in window cleaning for whatever reason.im only 44 though.plenty of life left in me yet! :)
No wonder you are not bothered - sitting pretty in a nice cozy flat earning twice as much as others struggling to pay far more rent in the private sector. Although I admire your positivity and work ethic , I'm left with doubts as to your integrity.
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@Barry Scott
How did you come up with that skewed analysis?
::)roll
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Daz
£2600K
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
£26k a year is not a very good salary IMO even with holiday/sick pay and expenses,etc.i earn a lot more window cleaning 30-35 hours a week 10 months a year. :)
£26K is the base line, you bang on about how much you earn but you still live in a council flat.
You will still be paying rent when your body is F *** by hard physical work window cleaning and you'll still have the rent to pay when you can't work, with no pension.
Self-employment is free and easy on your time but never underestimate the value of a regular salary with benefits, try getting a mortgage now as self-employed and buy yourself out of the "generation rent" trap.
im really not bothered about owning my own property mate.i never have been.im happy to pay a peppercorn rent(£77 per week including gardening services,maintenance etc).in fact ill be getting a new central heating system and boiler soon. ;D
besides my brother is nearly a millionaire now so i know he would see me right if i had to pack in window cleaning for whatever reason.im only 44 though.plenty of life left in me yet! :)
No wonder you are not bothered - sitting pretty in a nice cozy flat earning twice as much as others struggling to pay far more rent in the private sector. Although I admire your positivity and work ethic , I'm left with doubts as to your integrity.
Screw integrity.
It's not dazmonds fault the system is sh!t and other people are left with low incomes living in high rent accommodation. They made that live for themselves, it's not dazmonds responsibility to pity them and give up his home. Would they do it for him, yer right!
Put yourself in dazmonds shoes for a minute, would you give up your cozy secured flat with cheap rent where you can live the life you want to, to move into unsecured overpriced private renting and live like a pauper?
Or he could buy a property in today's over inflated market, be left with a big mortgage, then in the not too distant future property prices crash and interest rates go up.
Bang go those 5* holidays ;D
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Daz
£2600K
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
£26k a year is not a very good salary IMO even with holiday/sick pay and expenses,etc.i earn a lot more window cleaning 30-35 hours a week 10 months a year. :)
£26K is the base line, you bang on about how much you earn but you still live in a council flat.
You will still be paying rent when your body is F *** by hard physical work window cleaning and you'll still have the rent to pay when you can't work, with no pension.
Self-employment is free and easy on your time but never underestimate the value of a regular salary with benefits, try getting a mortgage now as self-employed and buy yourself out of the "generation rent" trap.
im really not bothered about owning my own property mate.i never have been.im happy to pay a peppercorn rent(£77 per week including gardening services,maintenance etc).in fact ill be getting a new central heating system and boiler soon. ;D
besides my brother is nearly a millionaire now so i know he would see me right if i had to pack in window cleaning for whatever reason.im only 44 though.plenty of life left in me yet! :)
No wonder you are not bothered - sitting pretty in a nice cozy flat earning twice as much as others struggling to pay far more rent in the private sector. Although I admire your positivity and work ethic , I'm left with doubts as to your integrity.
really?
quite a lot of people round here dont work.get all their rent and council tax paid and various other benefits etc,etc.some are whole generations that have never worked a day in their life! ::)roll
ive always worked and paid my way and never claimed benefits(apart from a couple of months on the dole when i was 20).
just because ive built up a good little business for myself do you think i should go and rent a private flat at an inflated rate?just so another deadleg(and drain on society)can move into my flat? ::)roll
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you was forced into becoming what?
Being self-employed again. Can't you read English?
£26000 salary, + Expenses, 25 days PAID holiday, Flexi Time, Paid Sick Leave, Final Salary Pension + intellectually challenging work (I.T.).
Daz
£2600K
Window Cleaning and being your own boss is O.K. but it's hard physical work, battling against the weather, it has it's ups but it has it's downs.
If it's all you can do because of your skill set and education it's better than minimum wage but it's still cleaning after all, a job anyone can do.
"Forced" because at 58 trying to get another job in I.T. is a waste of time you're a dinosaur in I.T. at 28 let alone 58!
Good thing about window cleaning is you can throw the ladders on the car, squeegee, applicator couple of scrims, get knocking and even on the first day you'll come back with something to put bread on the table and pay the rent.
£26k a year is not a very good salary IMO even with holiday/sick pay and expenses,etc.i earn a lot more window cleaning 30-35 hours a week 10 months a year. :)
£26K is the base line, you bang on about how much you earn but you still live in a council flat.
You will still be paying rent when your body is F *** by hard physical work window cleaning and you'll still have the rent to pay when you can't work, with no pension.
Self-employment is free and easy on your time but never underestimate the value of a regular salary with benefits, try getting a mortgage now as self-employed and buy yourself out of the "generation rent" trap.
im really not bothered about owning my own property mate.i never have been.im happy to pay a peppercorn rent(£77 per week including gardening services,maintenance etc).in fact ill be getting a new central heating system and boiler soon. ;D
besides my brother is nearly a millionaire now so i know he would see me right if i had to pack in window cleaning for whatever reason.im only 44 though.plenty of life left in me yet! :)
No wonder you are not bothered - sitting pretty in a nice cozy flat earning twice as much as others struggling to pay far more rent in the private sector. Although I admire your positivity and work ethic , I'm left with doubts as to your integrity.
really?
quite a lot of people round here dont work.get all their rent and council tax paid and various other benefits etc,etc.some are whole generations that have never worked a day in their life! ::)roll
ive always worked and paid my way and never claimed benefits(apart from a couple of months on the dole when i was 20).
just because ive built up a good little business for myself do you think i should go and rent a private flat at an inflated rate?just so another deadleg(and drain on society)can move into my flat? ::)roll
Ignore the haters daz.
My other half is a manager at a housing association and she would have a thousand dazmonds living on her patch if she could ;).
The hard workers are her best tenants, always pay the rent on time, few complaints and look after the properties.
The unemployed, alcoholic, druggies destroy the properties, have rent arrears, constants noise complaints, asbos etc. They are a drain on the system.
It's going to get much worse once universal credit is fully implemented and all benefits ( including housing benefit) are paid directly to the tenant, who are then expected to pay the rent for themselves!
Expect a glut of evictions over the next few years.
Those that remain in social housing will be the workers or be expected to work, paying market value rent ( to be introduced soon ) so will be no different to private renting, except the money will be lining private authorities pockets rather then private landlords.
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Just hit a raw nerve that's all. I take it back.
My girlfriends sister and brother in laws home was repossessed due to redundancy several years ago . Although he retrained and became self employed, they were constantly moving because of spiraling private sector rents to the point they were finally evicted from their last unable to meet the cost. They are now in emergency B&B accommodation with their teenage son 25 miles away , have had money and belongings robbed from them several times by other tenants with drug and alcohol addictions ...... So when I read of a single man in a council flat doing very well financially with a sports car and 5 star holidays. Paying a weekly peppercorn rent of £77 per week that he probably comfortably earns in a couple of hours with the chance of a brand new boiler and central heating provided for him I've wrongly questioned his integrity ( sorry ). More so I should be questioning the system that tars my partners hard working but very unfortunate relatives, who have equally as much pride and as strong a work ethic, with the same brush as the druggie scum they now have to live amongst in a single room infested with bed bugs and run by a fat greedy Arab who has nothing but contempt for them. Let us never forget how fortunate we are.
Obviously none of this is Dazmonds problem and my comment has no place really on this thread. So I will shut up.
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Dazmond i think he meant more that you as a single bloke in a housing flat your doing well getting by with no real stress or bother as would most of us. If you had wife, kids, a £1400 mortgage to pay, loans to pay off, credit card bills etc every month like many out there life becomes much harder and sometimes drags you into nothing if you fall losing job etc. So many people have more debt than they have comng in which is where we window cleaners take it for granted! If i was earning £300 less than what my bills were id simply gain another £300 of work! If a argos checkout lady was £300 short every month then she would slowly go down down down unless found a better paying job or did overtime which isnt always available. I dont take anything for granted and always spare a thought for the flip side of the coin.
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Just hit a raw nerve that's all. I take it back.
My girlfriends sister and brother in law have gone from losing their home due to redundancy and although he retrained and became self employed were constantly moving because of spiraling private sector rents to the point they were finally evicted from their last unable to meet the cost. They are now in emergency B&B accommodation with their teenage son 25 miles away , have had money and belongings robbed from them several times by other tenants with drug and alcohol addictions .
Obviously none of this is Dazmonds problem and my comment has no place really on this thread. So I will shut up.
It's a tough situation for them barry, I can understand why it would anger you.
The situation is only going to get worse I'm afraid.
Most housing associations are building less new homes due to government budget cuts and forecasts of less rent income due to universal credits.
Coupled with the new right to buy for housing association tenants, which the government are still deliberating, the social housing stock is potentially going to massively decline. Turning an already dire situation into a crisis.
There just isn't enough social housing to go around already, yet my partner and her colleagues fear the government wants to do away with social housing altogether, so everyone owns their own home even if only on a part-buy basis.
All its doing is pushing more and more people into private renting, which in turn is pushing up rents in the private sector.
Surely a cap on private rents along with a guaranteed minimum renting term is the answer, but the government won't do it because a high % of the private sector landlords are the baby boom generation, the ones the government encouraged to snap properties as investments and the ones who vote the most in the elections.
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How do you qualify for a council flat? I want one.
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I was a Staff Sergeant (in a Warrant Officers) job, but I went to the toilet at the wrong time and ended up being a window cleaner.
That was some chain of events.
And because I didn't want to have another 'boss', I wanted to be self employed; so kinda forced into it by the Universe, because I didn't have any other skills.
It's all God's will. :'(
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
Maybe that's how your franchise would work but not how mine work. They are nothing like employees.
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How do you qualify for a council flat? I want one.
i was sleeping on the sofa at a mates house after sleeping in my car for a month in a pub car park back in 1999.cleaning 2 or 3 days a week as i was too ill from drinking most of the time to work any more hours.i had my name down on the social housing list and ended up with a lot of points that qualified me for a flat.ive always paid my rent myself.although i nearly lost it due to rent arrears many years ago due to illness.
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How do you qualify for a council flat? I want one.
i was sleeping on the sofa at a mates house after sleeping in my car for a month in a pub car park back in 1999.cleaning 2 or 3 days a week as i was too ill from drinking most of the time to work any more hours.i had my name down on the social housing list and ended up with a lot of points that qualified me for a flat.ive always paid my rent myself.although i nearly lost it due to rent arrears many years ago due to illness.
Its a fine line we all tread Daz, and i'm in no way critisising you. You are proud of what you achieved, quite rightly, and yet some see it as "boasting" ?
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Dazmond i think he meant more that you as a single bloke in a housing flat your doing well getting by with no real stress or bother as would most of us. If you had wife, kids, a £1400 mortgage to pay, loans to pay off, credit card bills etc every month like many out there life becomes much harder and sometimes drags you into nothing if you fall losing job etc. So many people have more debt than they have comng in which is where we window cleaners take it for granted! If i was earning £300 less than what my bills were id simply gain another £300 of work! If a argos checkout lady was £300 short every month then she would slowly go down down down unless found a better paying job or did overtime which isnt always available. I dont take anything for granted and always spare a thought for the flip side of the coin.
its my choice to not get married and have kids and a mortgage.also in the past its been hard enough to look after myself never mind anybody else!its easier these days as ive well and truly got my life together like never before.anything else is a bonus.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
Maybe that's how your franchise would work but not how mine work. They are nothing like employees.
They work for your company under your company name and rules, just because you have given them a bit more responsibility
doesn't make them any less an employee, they're certainly not self employed.
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How do you qualify for a council flat? I want one.
i was sleeping on the sofa at a mates house after sleeping in my car for a month in a pub car park back in 1999.cleaning 2 or 3 days a week as i was too ill from drinking most of the time to work any more hours.i had my name down on the social housing list and ended up with a lot of points that qualified me for a flat.ive always paid my rent myself.although i nearly lost it due to rent arrears many years ago due to illness.
Its a fine line we all tread Daz, and i'm in no way critisising you. You are proud of what you achieved, quite rightly, and yet some see it as "boasting" ?
I'm not sure if that comments directed at me ?. But I agree , Daz should be proud of what he's achieved. In fact he is one of the success stories - been given a chance and a helping hand ( a very affordable housing solution ) and made a go of it turning his life around. And as he has already mentioned many, even whole generations , have never worked and comfortably sat on their arses bleeding the system dry.
My relations however, if they were to read this, would wonder what the hell they had done wrong in getting married, starting a family and working hard all their lives. Had they have had a drink problem or a drug addiction they may have acquired more points and be worthy of more help. Where have they ended up ? in B&B with drug addicts and alcoholics ! ::)roll
What do you see Dazmond ? when you walk past homeless street drinkers in doorways, another deadleg , drain on society or yourself and the way your life may have gone without fate/opportunity offering you a hand out ?
Any ways my rant is over.
I've strayed off topic once again and so will shut up this time - promise :)
I'm not an entrepreneur.
I've hated every job I've ever had. Never been a team player or able to relate to anybody else in the work place or even felt like I've belonged. A chance interview from answering a job ad, after a break overseas travelling , paved the way to me eventually becoming my own boss. I think nothing of money apart from hating it and the division it creates. After 10 years I'm now virtually unemployable but free from the shackles of slavery for somebody elses profit and gain. ;)
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How do you qualify for a council flat? I want one.
i was sleeping on the sofa at a mates house after sleeping in my car for a month in a pub car park back in 1999.cleaning 2 or 3 days a week as i was too ill from drinking most of the time to work any more hours.i had my name down on the social housing list and ended up with a lot of points that qualified me for a flat.ive always paid my rent myself.although i nearly lost it due to rent arrears many years ago due to illness.
Its a fine line we all tread Daz, and i'm in no way critisising you. You are proud of what you achieved, quite rightly, and yet some see it as "boasting" ?
There's nothing wrong in telling a success story but to do it with the intention of belittling somebody else's earnings is
nothing more than boasting, that's what I see in his reply to Positivity.
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How do you qualify for a council flat? I want one.
i was sleeping on the sofa at a mates house after sleeping in my car for a month in a pub car park back in 1999.cleaning 2 or 3 days a week as i was too ill from drinking most of the time to work any more hours.i had my name down on the social housing list and ended up with a lot of points that qualified me for a flat.ive always paid my rent myself.although i nearly lost it due to rent arrears many years ago due to illness.
Its a fine line we all tread Daz, and i'm in no way critisising you. You are proud of what you achieved, quite rightly, and yet some see it as "boasting" ?
I'm not sure if that comments directed at me ?. But I agree , Daz should be proud of what he's achieved. In fact he is one of the success stories - been given a chance and a helping hand ( a very affordable housing solution ) and made a go of it turning his life around. And as he has already mentioned many, even whole generations , have never worked and comfortably sat on their arses bleeding the system dry.
My relations however, if they were to read this, would wonder what the hell they had done wrong in getting married, starting a family and working hard all their lives. Had they have had a drink problem or a drug addiction they may have acquired more points and be worthy of more help. Where have they ended up ? in B&B with drug addicts and alcoholics ! ::)roll
Any ways my rant is over.
I've strayed off topic once again and so will shut up :)
I'm not an entrepreneur.
I've hated every job I've ever had. Never been a team player or able to relate to anybody else in the work place or even felt like I've belonged. A chance interview from answering a job ad, after a break overseas travelling , paved the way to me eventually becoming my own boss. After 10 years I'm now virtually unemployable but free from the shackles of slavery for somebody elses profit and gain. ;)
Hi Barry, no it wasn't directed at you sorry if you took it that way it certainley wasn't meant that way and i do see where you can take umberance. I'm probably in exactly the same boat as you, and thats why i'm a window cleaner too.
But i take on face value what Daz says..and i can understand his want/need or inclination to tell everyone about it. Yes i too can see it as a bit of "gloating", as reading through this thread and others before hand so do others.
I also see the situation of your relatives. And indeed i've experienced it first hand. I've been there got the T shirt. But anyone can take what they want out the replies in this thread.................. you can sit there and say "we're all doomed", or you can look for a bit of inspiration... i.e if an ex alky like Daz can do it (hope i'm not insulting you Daz) then there's a chance for anyone. Look up, look at the "boasts" as not "boasts" but look at them as "what is possible" ?
I hope that clarifies how i feel over it and should be an answer to SeanK too.....? For the record, i'm miles behind Daz earnings..and i thought i was doing good !!! :-)
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How do you qualify for a council flat? I want one.
i was sleeping on the sofa at a mates house after sleeping in my car for a month in a pub car park back in 1999.cleaning 2 or 3 days a week as i was too ill from drinking most of the time to work any more hours.i had my name down on the social housing list and ended up with a lot of points that qualified me for a flat.ive always paid my rent myself.although i nearly lost it due to rent arrears many years ago due to illness.
Its a fine line we all tread Daz, and i'm in no way critisising you. You are proud of what you achieved, quite rightly, and yet some see it as "boasting" ?
Exactly.
Well done Daz. Im the same as you. Everything I've achieved in my business really should never have happened.
I actually think my dreams and aspirations are fairly mediocre. Saying that, Ive achieved them. So now what? See if they continue I guess or perhaps what I’m able to manage from now on will be a decline. Hope not. Things keep getting better and better so they say, so perhaps I’ll surpass my own aspirations.
Keep an eye out for the photos (with the van) ;)
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How do you qualify for a council flat? I want one.
i was sleeping on the sofa at a mates house after sleeping in my car for a month in a pub car park back in 1999.cleaning 2 or 3 days a week as i was too ill from drinking most of the time to work any more hours.i had my name down on the social housing list and ended up with a lot of points that qualified me for a flat.ive always paid my rent myself.although i nearly lost it due to rent arrears many years ago due to illness.
Its a fine line we all tread Daz, and i'm in no way critisising you. You are proud of what you achieved, quite rightly, and yet some see it as "boasting" ?
I'm not sure if that comments directed at me ?. But I agree , Daz should be proud of what he's achieved. In fact he is one of the success stories - been given a chance and a helping hand ( a very affordable housing solution ) and made a go of it turning his life around. And as he has already mentioned many, even whole generations , have never worked and comfortably sat on their arses bleeding the system dry.
My relations however, if they were to read this, would wonder what the hell they had done wrong in getting married, starting a family and working hard all their lives. Had they have had a drink problem or a drug addiction they may have acquired more points and be worthy of more help. Where have they ended up ? in B&B with drug addicts and alcoholics ! ::)roll
Any ways my rant is over.
I've strayed off topic once again and so will shut up :)
I'm not an entrepreneur.
I've hated every job I've ever had. Never been a team player or able to relate to anybody else in the work place or even felt like I've belonged. A chance interview from answering a job ad, after a break overseas travelling , paved the way to me eventually becoming my own boss. After 10 years I'm now virtually unemployable but free from the shackles of slavery for somebody elses profit and gain. ;)
Hi Barry, no it wasn't directed at you sorry if you took it that way it certainley wasn't meant that way and i do see where you can take umberance. I'm probably in exactly the same boat as you, and thats why i'm a window cleaner too.
But i take on face value what Daz says..and i can understand his want/need or inclination to tell everyone about it. Yes i too can see it as a bit of "gloating", as reading through this thread and others before hand so do others.
I also see the situation of your relatives. And indeed i've experienced it first hand. I've been there got the T shirt. But anyone can take what they want out the replies in this thread.................. you can sit there and say "we're all doomed", or you can look for a bit of inspiration... i.e if an ex alky like Daz can do it (hope i'm not insulting you Daz) then there's a chance for anyone. Look up, look at the "boasts" as not "boasts" but look at them as "what is possible" ?
I hope that clarifies how i feel over it and should be an answer to SeanK too.....? For the record, i'm miles behind Daz earnings..and i thought i was doing good !!! :-)
Not offended in the slightest, in fact what a great reply ;)
Maybe you should have chosen the name "Positivity" ?........., but guess that was already taken :D ;) :)
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I just struggle to be "positive", like the rest of us probably. I'm trying my best !!!! On a good day i'll tell you what a blessed life i have and how the job is so easy. On a bad day i'll tell you self employment is hard and no walk in the park and i've identified where i can improve !!! I think just living is hard, its nothing to do specifically with window cleaning !!! ;D
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Thanks for all the replies - interesting how everyone has a different take on life.
I suppose at the end of the day all we can say is "Life's hard then you die!!!" ;D ;D
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Council housing is a great way to live unfortunately if you are not a single mum it's very hard to get one.
I stumbles inot a 3 bed semi council house 10 years ago when I met me ex. When I left 2 years ago the rent was only 360 per month. Now I'm paying 600 private. Never realised how good I had it. We got new windows, roof, kitchen and bathroom whilst I was there all for free
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That's life.
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That's life.
Thanks for that Esther.
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Sorry If I'm being a bit thick, but aren't council houses for poor people who can't afford their own place? If you become wealthy or inherit loads of dosh shouldn't you move on and let another desprate person take the property? Why don't they periodically means test the tennants? What I'm intending to do is start living rough next summer get my flat then sell all my properties and retire on the proceeds sell my round and bobs yer uncle!
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If they regularly means tested everyone none of em would make an effort. It would just encourage fat people to get fatter.
Yours
E. Rantzen.
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Sorry If I'm being a bit thick, but aren't council houses for poor people who can't afford their own place? If you become wealthy or inherit loads of dosh shouldn't you move on and let another desprate person take the property? Why don't they periodically means test the tennants? What I'm intending to do is start living rough next summer get my flat then sell all my properties and retire on the proceeds sell my round and bobs yer uncle!
The late Bob Crow didn't seem to think so and neither does Dazmond :P
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Sorry If I'm being a bit thick, but aren't council houses for poor people who can't afford their own place? If you become wealthy or inherit loads of dosh shouldn't you move on and let another desprate person take the property? Why don't they periodically means test the tennants? What I'm intending to do is start living rough next summer get my flat then sell all my properties and retire on the proceeds sell my round and bobs yer uncle!
No your wrong, just because someone gets a job or starts a business, that doesn't mean they're not poor anymore- how do you define poor anyways?
Are you poor if you haven't got a job but get your rent and bills paid for?
Are you poor if you get a job and now have to pay your bills leaving you less dosh than applepicker?
Are you poor if you have a job but can't afford a deposit for your own house ???
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Sorry If I'm being a bit thick, but aren't council houses for poor people who can't afford their own place? If you become wealthy or inherit loads of dosh shouldn't you move on and let another desprate person take the property? Why don't they periodically means test the tennants? What I'm intending to do is start living rough next summer get my flat then sell all my properties and retire on the proceeds sell my round and bobs yer uncle!
generally yes the way to get into them is by being poor, on benefits etc. But they could also be passed down. I got my council house by virtue of it being my ex girlfriends grandmas house. The ex moved in with her for a brief period with her son to help lok after her as she was becoming ill.... The grandma then got moved to a smaller bungalow when she became unable to climb stairs and the ex took over the house no questions asked. I moved in, got my name on the tenancy and thus it also became mine.
But no, once you have your name on the tenacy agreement the house is yours for as long as you pay the rent, they cant/dont just kick you out because you have now got plenty of money, you also after a certain number of years get the right to buy and at a discount too.
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Sorry If I'm being a bit thick, but aren't council houses for poor people who can't afford their own place? If you become wealthy or inherit loads of dosh shouldn't you move on and let another desprate person take the property? Why don't they periodically means test the tennants? What I'm intending to do is start living rough next summer get my flat then sell all my properties and retire on the proceeds sell my round and bobs yer uncle!
Actually council houses were meant for the poor and working class alike. They were built with the purpose that everyone should have somewhere they can call 'home', at an affordable renting price.
The problem started years ago with the intro of right to buy.
At the time there were more then enough houses to go around, so the government decided rather then people renting houses, everyone should own there own home.
With huge discounts every man and his dog started snapping up council properties, problem was as the population was growing, there wasn't enough council properties being built to replace all the stock being sold.
This lead to the current situation of huge waiting lists and council homes only going to those 'who need them the most', basically the poorest. Hence the reputation that council houses are only for the 'poor'.
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House of Commons Library briefing paper provides information on the ‘pay to stay’ scheme in England under which social landlords can charge tenants with an income of over £60,000 market or near market rents.
The Government has included measures in the Housing and Planning Act 2016, to make higher rents compulsory in due course for council tenants earning over £40,000 in London and £31,000 elsewhere.
Sorry Dazmond should have kept quiet about all the dosh your raking in!! ;D ;D ;D
That's combined total household income by the way!
Affected households will pay an additional 15p in rent per week for every £1 they receive in taxable income above the thresholds.
The Government’s aim is to implement the mandatory pay to stay scheme from April 2017.
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House of Commons Library briefing paper provides information on the ‘pay to stay’ scheme in England under which social landlords can charge tenants with an income of over £60,000 market or near market rents.
The Government has included measures in the Housing and Planning Act 2016, to make higher rents compulsory in due course for council tenants earning over £40,000 in London and £31,000 elsewhere.
Sorry Dazmond should have kept quiet about all the dosh your raking in!! ;D ;D ;D
That's combined total household income by the way!
Affected households will pay an additional 15p in rent per week for every £1 they receive in taxable income above the thresholds.
The Government’s aim is to implement the mandatory pay to stay scheme from April 2017.
Actually the scheme is not mandatory, it is up to the local authority or housing association whether they implement it.
I know some have refused it and some, like the one my partner works at, have delayed implementing it until at least 2018 until they have carried out their own studies into the impacts.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
Maybe that's how your franchise would work but not how mine work. They are nothing like employees.
They work for your company under your company name and rules, just because you have given them a bit more responsibility
doesn't make them any less an employee, they're certainly not self employed.
Wow, you have no idea what I do, how the business is structured, what responsibilities my franchisees have but feel qualified to comment. What a joke! You seem to have very strong opinions and very little idea.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
Maybe that's how your franchise would work but not how mine work. They are nothing like employees.
They work for your company under your company name and rules, just because you have given them a bit more responsibility
doesn't make them any less an employee, they're certainly not self employed.
Instead of pontificating about 'not self employed' tell me exactly why it is that makes them not self employed? They price up, take on customers, arrange their own schedule and holidays, collect their own payments, use their own van and equipment, remove bad customers without any recourse to me. Where does any of that suggest employee?
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No your wrong, just because someone gets a job or starts a business, that doesn't mean they're not poor anymore- how do you define poor anyways?
Are you poor if you haven't got a job but get your rent and bills paid for?
Are you poor if you get a job and now have to pay your bills leaving you less dosh than applepicker?
Are you poor if you have a job but can't afford a deposit for your own house ???
My ex-army mate who works on the rigs says that the definition of poor is:
You have a mortgage.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
Maybe that's how your franchise would work but not how mine work. They are nothing like employees.
They work for your company under your company name and rules, just because you have given them a bit more responsibility
doesn't make them any less an employee, they're certainly not self employed.
Wow, you have no idea what I do, how the business is structured, what responsibilities my franchisees have but feel qualified to comment. What a joke! You seem to have very strong opinions and very little idea.
Get over yourself mate, you build a window cleaning round and then hand it to an employee/franchisee to work and run for you under your terms, its not rocket science.
Some people are so far up their own backsides they cant see the wood for the trees.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
Maybe that's how your franchise would work but not how mine work. They are nothing like employees.
They work for your company under your company name and rules, just because you have given them a bit more responsibility
doesn't make them any less an employee, they're certainly not self employed.
Instead of pontificating about 'not self employed' tell me exactly why it is that makes them not self employed? They price up, take on customers, arrange their own schedule and holidays, collect their own payments, use their own van and equipment, remove bad customers without any recourse to me. Where does any of that suggest employee?
Yes and the manager of the company I used to work in which wasn't his did all that, it still didn't make him self employed. (roll eyes)
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No your wrong, just because someone gets a job or starts a business, that doesn't mean they're not poor anymore- how do you define poor anyways?
Are you poor if you haven't got a job but get your rent and bills paid for?
Are you poor if you get a job and now have to pay your bills leaving you less dosh than applepicker?
Are you poor if you have a job but can't afford a deposit for your own house ???
My ex-army mate who works on the rigs says that the definition of poor is:
You have a mortgage.
But people living in council houses and on benefits don't have a mortgage.
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actually ........ I might not live rough next summer after all. I cleaned a council flat yesterday and If I had to live there I'd top myself.
Five star council property only for me.
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actually ........ I might not live rough next summer after all. I cleaned a council flat yesterday and If I had to live there I'd top myself.
Five star council property only for me.
Look at some of the blocks of maisonettes in Inner London. I feel suicidal just knowing that that is how some people have to live. God knows how I'd cope.
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That's the dilemma, whilst some will say council properties should only be for those who need them, if you start means testing and
remove all who have turned their lives around you then turn them into ghetto's for down and outs only.
They then become alarm zone areas for potential employers making it impossible for anybody living in them to get employment
which adds to what is known as the poverty trap.
Its the same if you then up the rent for anybody doing well, you remove the incentive for them to stay in that community and
potentially create the same problems.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
Maybe that's how your franchise would work but not how mine work. They are nothing like employees.
They work for your company under your company name and rules, just because you have given them a bit more responsibility
doesn't make them any less an employee, they're certainly not self employed.
Instead of pontificating about 'not self employed' tell me exactly why it is that makes them not self employed? They price up, take on customers, arrange their own schedule and holidays, collect their own payments, use their own van and equipment, remove bad customers without any recourse to me. Where does any of that suggest employee?
Yes and the manager of the company I used to work in which wasn't his did all that, it still didn't make him self employed. (roll eyes)
Like I though, big gob but no clue.
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I find it difficult to believe those figures. How many of those self employed are actually declaring their full earnings. I know a couple of guys in other trades who only declare the absolute bare minimum.
There are so many loopholes in the complicated tax system of ours that i bet a large percentage of self employed are 'legally' paying very little tax.
Dazmond explained it well, large companies are now employing people under the guise of them being self employed and
getting away with paying less than the minimum wage, plus not paying pensions, holiday pay and other legal employment requirements.
Its a bit like employing somebody to clean windows under the guise of a franchise, that person isn't self employed he works
for the franchiser but for tax purposes he will be classed as self employed.
Maybe that's how your franchise would work but not how mine work. They are nothing like employees.
They work for your company under your company name and rules, just because you have given them a bit more responsibility
doesn't make them any less an employee, they're certainly not self employed.
Instead of pontificating about 'not self employed' tell me exactly why it is that makes them not self employed? They price up, take on customers, arrange their own schedule and holidays, collect their own payments, use their own van and equipment, remove bad customers without any recourse to me. Where does any of that suggest employee?
Yes and the manager of the company I used to work in which wasn't his did all that, it still didn't make him self employed. (roll eyes)
Like I though, big gob but no clue.
Big enough clue to know when I'm working for myself or for somebody else, unlike the guys you employ sorry don't employ, lol,