I've left this thread for a while.
Really appreciate all the replies.
However, it just shows that threads do run like Chinese whispers!!!
Just to clear up a few points that someone seems to have whispered and everyone has run along with :
I do not charge for holidays. No one pays me for my own holidays. They're unpaid. I do not ask for 8 x£40 over the summer holidays and not tutor (saying this for about the third time!)
The vast majority of my clients have been with me for years - I've taught siblings, cousins, neighbours you name it. I build very strong relationships with my pupils and their families.
No. I'm not newly qualified. I"m an highly experienced classroom teacher and I still do the odd day of supply in school. I also pay for my own self development courses to ensure I'm trained and up to date. I'm not the type of tutor who simply hands out a worksheet. I make a life changing difference to my pupils.
I moved to monthly payment after consulting my parents. It wasn't something that I did on a whim and it's worked very well over the years as it reduces my admin massively (one invoice for the month to send over to the client instead of four) Also, given that a lot of my pupils are children struggling academically, it makes much more sense to continue teaching over the holidays to avoid the learning loss.
I'm incredibly flexible with accommodating holidays (even though technically the contract says that holidays aren't covered, in reality I absolutely do where I can) it's never been an issue before now.
Every job in reality is a lifestyle choice.
With relation to the comment about my income and how many hours I work - It's not that simple. I've already explained due to fault of my own that I have people on different rates. It will all be streamlined this September.
Yes - I have all of the relevant public liability and professional indemnity insurances
I absolutely do pay for all of my own children's swimming lessons etc. They are not term time only. They go through the entire 52 weeks in 10 week blocks. If you don't miss, that's your space gone. My older child is an elite swimmer. I can just imagine her club's reaction if I informed them I was going on holiday that I didn't intend paying for squad swimming whilst I was away! I mentioned nursery from when mine were in nursery - one year I went abroad for 3 weeks. My payment to the nursery continued as normal. The following year he'd moved to a childminder. Same thing except I also paid for her holidays and received no service.
The tutor I use for one of my own children works all year round too.
Anyway. Amazing input all round.
I'm going to go to term time only tutoring but offer holidays to the dedicated who still want it (I'm guessing the majority will but it gives the option) In the longer holidays I will run intensive booster camps. During the summer I will actively focus on 11+ booster sessions. Costs will go up for all in September and I will explain to those on a lower initial cost that I'm simply bringing them in line with everyone else. If I lose them, I will move to my waiting list.
Thank you all for helping me take the emotion out of all this.