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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To start up my own business after leaving a controlling H?

6 replies

KeepTheMagnolia · 15/03/2018 10:42

I have a small baby, my maternity leave ends in the near future and I was wondering how unreasoned I would be to...

Start up my own 'business' as such, by working as a cleaner in my own name?

Anyone know any good info on how I would start?

Money wise, how much is the going rate per hour? (I'm not in London).

I suspect I'll need my own car, and I assume most people like their cleaners to use products sourced

As I would be self employed, could I still claim tax credits?

I don't claim anything at the moment (too high a salary), but if I returned to my old job, I would be out of pocket just by train fares and childcare alone.

Bit of background: I adore cleaning, it makes me so happy to see the before and after of my work. I find it incredibly therapeutic.

I've separated from my controlling H who wouldn't even let me visit Tesco on my own before calling and demanding to know why I'm being so late. For no reason, just so he can have me and the baby back home again after he finished work - With a dinner on the table and a quiet baby in place.

AIBU to take such a financial risk with a small child I'm responsible for now?

OP posts:
MyRelationshipIsWeird · 15/03/2018 11:16

Hello. First of all congratulations for breaking free from your abusive H. Flowers That's something to be very proud of, it's not easy, especially when you have DCs to leave a controlling relationship, so whatever happens now you will be in a better place to take care of yourself and your baby.

It will depend a bit on whether you are in a tax credits or Universal credit area I think. The rules on self-employment under UC are a bit harsher from what I understand, i.e. they will expect your business to make at least minimum wage for you from the beginning, whereas with TCs even if your business made a loss or made you less than NMW (which many small businesses do for a while) you would be eligible for a top up.

I am a self-employed single mum, I have 3 DCs and have always been self-employed even when married, so don't really have any experience of working for anyone else! I do get tax credits if I don't make enough money from my business, but they do require lots of proof of the hours you are working, your accounts etc so there are some hoops to jump through. I also get council tax reduction and they are even worse for wanting all the ins and outs of my accounts for proof of income.

However for me it is well worth it to give me the flexibility to be home for my DCs after school and during the holidays. Once they are all old enough I will look at other work, but for now, I get maintenance paid by my ex, I get income from my businesses and child benefit/tax credits, which add up to a liveable income.

I'm not sure how it works in a job like cleaning with a baby - presumably you'd need to pay for childcare there too, as you couldn't take them along with you. Do you have someone who could look after the baby in this case?

I pay £12 an hour for a cleaner, I provide materials and she does my house in 2 hours (not very thoroughly, but all bathrooms, floors and dusting, which is all I need to keep on top of it really). Anywhere from £10-15 is probably average but bear in mind that it's pretty physical work, so you probably wouldn't want to be doing 8 hours a day, you need to factor in your travelling costs between clients, you don't get paid on the days you/they are on holiday or when you/your baby are ill, so this needs to be factored into your calculations.

With your other job you would be able to get childcare vouchers which means you pay an amount into a voucher scheme before it is taxed, so if you're a higher rate tax payer you would save a bit there.

To be honest, running a business from home with a young child is a headache - you are constantly feeling guilty that you should be out with the baby somewhere when you're working and that you should be working when you're at the park. There would always be some big noisy drama the minute I was on the phone to a customer! And you can guarantee they need the loo or a nappy change the minute you try and get on with anything important.

However, it's good for them to see you working and earning to take care of them as they grow up and I think my DCs have a lot of respect for the fact that I am able to run a business and support the family while also being here for them when they need me.

ginswinger · 15/03/2018 11:23

Likewise I run my own business as a single mum. It gives me the flexibility to take her to school in the morning and look after her if she's sick. I love it, wouldn't have it any other way!

TalkinBoutWhat · 15/03/2018 11:24

I wouldn't hire a cleaner that brought their baby with them, and I suspect lots of people would feel the same. So you would still need childcare. How did you imagine that would work?

Could you go part time, get your earnings down so that you can get some money back in tax credits, because tax credits will ALSO then give some money towards child care - of which you would need less of anyway. It might make it all affordable.

I think you need to either be more flexible to be able to run your own business, or so desperate that you would do absolutely anything to make it work. I don't see either of that in you right now.

KeepTheMagnolia · 15/03/2018 11:28

Ahh, the childcare element - My sister could have him for me anytime from 12.30 onwards on a Wednesday, and any time Thursday or Friday

Monday and Tuesday I would be stuffed though

I wouldn't dream of taking baby with me, I wouldn't expect anyone to cater for me there

OP posts:
MyRelationshipIsWeird · 15/03/2018 13:22

Well the good thing about being self employed is that you can work whichever hours suit you. Thursday and Friday are good days for most people as then they have a nice clean house for the weekend!

Having your sister to help would be great to start with, but in the long term it could cause some resentment if she's looking after your DS for nothing. But as someone said, tax credits can include a childcare element so you could get help towards that too. Definitely worth looking into.

There's a website called Turn To Us which has a benefit calculator to help you see where you would stand earning various amounts. I don't know how accurate it is, but it might give you an idea.

DietCokeGirrrrrl · 15/03/2018 13:42

Well done leaving your DH!

I don't know anything about the tax element, but we pay our cleaner £10 per hour (in Scotland) and in 2 hours she cleans kitchen, utility and main bathroom, hoovers and dusts living room, cleans en suite, hoovers stairs and main bedroom.

In terms of cleaning products she brings her own (her choice) but some people might prefer you to use their own if they have favourites I suppose?

Make sure you decide in advance about thinks like holiday pay - I.e. How much notice do the family have to give you if they don't need you one week etc (otherwise you might get last minute cancellations where you don't get paid, which isn't that fair).

Good luck! You can do it!

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