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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To wonder how many of you employ yourself and if not why not?

179 replies

girlfriend44 · 21/03/2025 19:14

Instead of trying to get someone else to employ you, and have the worry of applying for work, interviews, and all the other things that go with working is there a reason why you don't work for yourself?

There are lots of positives to it and you don't need to rely on anyone else?
If you don't self employ why not?

OP posts:
thankyounextplease · 21/03/2025 20:29

SnoozingFox · 21/03/2025 20:27

There is different paperwork involved with being self-employed. VAT only applies if you are turning over more than £90k, most people who are self-employed don't, so you don't need to worry about VAT. NI is calculated automatically when you do your tax return and is not nearly as complicated as tax codes and benefits in kind and that sort of thing. If you are working from home, business rates are irrelevant. Not every self-employed person needs to think about distance selling.

Agree that the downsides are no paid holiday and you're never really off duty, many of my customers are in North America which means emails come in overnight and I have to deal with them first thing in the morning. For me the flexibility is well worth it.

well I can tell you're not a self-employed accountant with advice like that...

thankyounextplease · 21/03/2025 20:30

girlfriend44 · 21/03/2025 19:37

At least you won't be on here though, saying a colleague has annoyed you or you don't like them.

Replace colleague with staff or customers, same shit different role.

neverbeenskiing · 21/03/2025 20:33

Because I really love my job and it's not something I could do on a self-employed basis.

Also, the people I know who are self-employed are always complaining about how hard it is being self-employed.

Thriwit · 21/03/2025 20:33

I don’t think I have any skills that would lend themselves to self-employment. The roles I’ve been doing for the last 20 years wouldn’t really work (in science - but I don’t have a PhD). Then the stress of would I get enough work, and dealing with people…ugh.

Lovelynames123 · 21/03/2025 20:35

I do, I'm a PAYE employee of my own limited company and draw dividends...I couldn't work for someone else now, I love working for myself!

thankyounextplease · 21/03/2025 20:36

Most people are too lazy or scared to be self-employed.

You're ALWAYS reliant on someone else, whether it's a supplier or clients/customers. That doesn't just disappear. It's not always possible to find more or switch.

Everything has a flip side. You get more freedom, but also every single thing is on you 24/7. You have to make every single decision, all the time, and you have the pressure of making enough money to fund other people's households when you employ people. You also need to know a lot of legal stuff. The work never ends, and it requires a lot of different skills in completely different areas.

I have worked both and there are pros and cons to each.

DearBee · 21/03/2025 20:36

Because I like the security of having sick pay, paid holidays, a decent workplace pension...

Zeitumschaltung · 21/03/2025 20:39

I am self-employed and I don’t think it’s the right thing for most people. Yes, there is a huge amount of flexibility, and I make loads more than I could at a job, but if something goes wrong there are no colleagues to jump in and help you out and you end up working nights and weekends. It’s better than a shit job with shit colleagues but a good job with great colleagues beats self-employment any day of the week.

KnutsfordCityLimits · 21/03/2025 20:39

Lovelynames123 · 21/03/2025 20:35

I do, I'm a PAYE employee of my own limited company and draw dividends...I couldn't work for someone else now, I love working for myself!

That’s what I said for years and years, but now I am absolutely loving being in a job! I wouldn’t have taken any job though, the perfect job came up for me at the right time.

WhistPie · 21/03/2025 20:40

BlumminFreezin · 21/03/2025 19:21

Dh is self employed. It works really well and he earns more money and has more flexibility as a result.

However...there's no employer pension contributions. No paid holiday or sick leave. It's less secure.

I'm PAYE employed and it's because dh is self employed that I'll stay that way. Both of us being SE would make me nervous.

You can put shed loads into your pension & not have to pay Corp tax on it. That's the equivalent of employer contributions

HidingFromDD · 21/03/2025 20:41

Because I get paid 6 figures employed for my particular skillset but I’m absolutely crap a networking and lead generation so if I worked for myself I probably wouldn’t earn anywhere near enough. I use my skillset extremely well in an employed role and have enough self awareness to accept that while I could do it self employed then 20/30% of my time would be spent doing stuff I hate. It’s a no brainer really

Ginmonkeyagain · 21/03/2025 20:41

Because what I do does not really exist on a self employed basis and I am fairly agreeable person who acrually likes working with my colleagues.

Mielikki · 21/03/2025 20:45

thankyounextplease · 21/03/2025 20:36

Most people are too lazy or scared to be self-employed.

You're ALWAYS reliant on someone else, whether it's a supplier or clients/customers. That doesn't just disappear. It's not always possible to find more or switch.

Everything has a flip side. You get more freedom, but also every single thing is on you 24/7. You have to make every single decision, all the time, and you have the pressure of making enough money to fund other people's households when you employ people. You also need to know a lot of legal stuff. The work never ends, and it requires a lot of different skills in completely different areas.

I have worked both and there are pros and cons to each.

"lazy or scared"? No, it simply doesn't exist in my sector, and in many (most?) sectors. It just doesn't cross our minds because it's not even a thing. How many self-employed police officers, or soldiers, or social workers do you know?

thankyounextplease · 21/03/2025 20:52

Mielikki · 21/03/2025 20:45

"lazy or scared"? No, it simply doesn't exist in my sector, and in many (most?) sectors. It just doesn't cross our minds because it's not even a thing. How many self-employed police officers, or soldiers, or social workers do you know?

Public sector work is for people who prioritise vocation or pensions above anything else. I was talking about private sector work as the trajectory is typically moving out of public sector into literally anything else, so my post assumed people had either already done that or skipped that step.

JoyousEagle · 21/03/2025 20:58

thankyounextplease · 21/03/2025 20:36

Most people are too lazy or scared to be self-employed.

You're ALWAYS reliant on someone else, whether it's a supplier or clients/customers. That doesn't just disappear. It's not always possible to find more or switch.

Everything has a flip side. You get more freedom, but also every single thing is on you 24/7. You have to make every single decision, all the time, and you have the pressure of making enough money to fund other people's households when you employ people. You also need to know a lot of legal stuff. The work never ends, and it requires a lot of different skills in completely different areas.

I have worked both and there are pros and cons to each.

“Lazy or scared” suggests that you think most people deep down would like to be self-employed but aren’t. I think a lot of people (myself included) just don’t want to be. There’s lots of things I don’t want to be, and it’s not to do with laziness or fear.

I don’t want to work with children, so I’m not a teacher.
I don’t want to deal with sick people, so I’m not a dr.
I don’t want to have to deal with winning new clients, so I’m not self-employed. I’m sensible enough to know it’s not my skill set.

Workingonthehighway · 21/03/2025 20:59

Tbf I am self employed as I said upthread. I'm a massage therapist I dont have any clients Im not pleased to see, if I dont like someone I dont rebook them. I earn more than I used to when I was employed. Its the social media shit I dont like.

MotherWol · 21/03/2025 21:00

Aside from the business development aspect of it that PPs have identified, I feel I need a manager to help me navigate tricky issues, escalate problems to, and support me with HR/line management things. When you’re self employed it’s all on you and that’s not a level of responsibility I want.

My sister has recently taken on a business, and watching her work through the issues of being responsible for the business’s fortunes, the responsibility of the people she employs, and how to ensure future profitability is a level of stress I just don’t want. Being self employed isn’t for everyone, and entrepreneur/hustle culture doesn’t acknowledge that.

Brodiegottheastoblowyouaway · 21/03/2025 21:01

No ta. I get a pension, sick leave and carer leave all paid.

Iamuhtredsonofuhtred · 21/03/2025 21:01

I dread to think what the insurance would be for a self employed midwife

Moopsie · 21/03/2025 21:04

Loads of reasons. I’ve trained for a career path that’s all about public service, I’ve no interest in profit-making or sales. The idea of having to sell would make me miserable. I also love being part of a large, mission-driven organization which I couldn’t get on my own.

sausagepastapot · 21/03/2025 21:05

I am, and its certainly swings and roundabouts...

I did my own tax for years but have gotten too 'big' to continue, so now have an accountant which has really helped; I wish I had done that sooner for sure. So that's one job that I hate off my shoulders, meaning I can focus more on my customers.

Invoicing is easy enough and I don't have paperwork really, as there are simple apps you can use. Getting people to pay me however, is very stressful. If you ever employ someone, please pay them! As quickly as you can!! That is without a doubt the most stressful part of my whole job and always has been.

Pro points, I work in a v. niche profession where there are plenty of clients to choose from; I can work anywhere including wfh, I pick up DC every day, can keep on top of the house, relax loads, and I earn over double what I'd earn if I did the same thing as an employee. I don't tend to think about work too much in the evenings and weekends these days, as I have put in some strict strategies to stop doing that, so my work life balance is pretty reasonable and I have a huge client pool so I don't need to spend to much time fishing for more work as I'm pretty much at capacity.

Also hate no holiday/pension/sick, but that's why I earn more than double my employed counterparts, so I need to get a grip really.

Oh and most people that do what I do, are self employed, very successful, extremely highly skilled, very busy, well-off, well-respected, intelligent...women!

I couldn't be told what to do now, so looks like I'm stuck like this until I drop dead!

Superfrog3 · 21/03/2025 21:10

girlfriend44 · 21/03/2025 19:14

Instead of trying to get someone else to employ you, and have the worry of applying for work, interviews, and all the other things that go with working is there a reason why you don't work for yourself?

There are lots of positives to it and you don't need to rely on anyone else?
If you don't self employ why not?

Because I don't want to work for a broke employer who can't afford to pay me 😂 I'm already a cleaner, cook and live in nanny for a family who don't pay me!

No but seriously I work for a big organisation and in a field that's not a selling something on etsy kinda vibe. Not saying I couldn't go self employed - but I couldn't do my job self employed it's too niche.

ThingsBeingVarious · 21/03/2025 21:10

WeylandYutani · 21/03/2025 19:21

I am good at crafts. It is what keeps me busy. But no one makes a living off of them. The people that do, it is just pocket money as they are married.
I would also not understand or manage the admin side of it.
Plus people are fucking skint now. No one wants to buy handmade stuff when Temu are churning out crap and in some cases copying crafters.
So I make stuff for charity instead.

This isn't true. I make a living from my 'crafting' (and I'm not married!). Social media makes it possible, if you've got an original and good quality product. Plenty of people want to buy hand made stuff but you need to spend a lot of time building up a loyal following, taking great photographs of your work and communicating with customers.

Mielikki · 21/03/2025 21:10

thankyounextplease · 21/03/2025 20:52

Public sector work is for people who prioritise vocation or pensions above anything else. I was talking about private sector work as the trajectory is typically moving out of public sector into literally anything else, so my post assumed people had either already done that or skipped that step.

Self-employment does not exist in most private sector industries either. The only self-employed people I know are tradespeople and IT contractors (who are all desperate to go permie due to the shitshow that is happening in IT at the moment).

Zanatdy · 21/03/2025 21:12

I’d hate to work for myself. I work for a large gov dept and would hate to work for myself.

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