8 things every self-employed person can relate to

When you’re self-employed, there are certain things you experience that other people just don’t get. From the best to the worst, here are 8 things every self-employed person can relate to.

1) Fussy customers

Everyone who’s ever been self-employed has had at least one nightmare client - and unfortunately for most it’s a lot more than one.

Whether they refuse to tell you what they actually want then complain when they don’t like what you deliver, or demand that you complete a project in two days after months of silence, clients from hell are the special privilege of the self-employed.

2) Late payments

What’s worse than a client who makes you re-do your work several time before they’re happy? One who takes several months to pay.

Late payments can be a real headache when you’re self-employed - not only because you have to keep chasing (or worse, involve a lawyer) but because you need that money to be in your bank account. This is your job, after all.

3) ‘Mates’ rates’

And the cherry on the top of the terrible cake is if your late-paying, fussy customer also happens to be a ‘friend’, or worse, a member of your family.

Many a self-employed person has groaned ‘never work for family’ after having a terrible experience - especially if they ask you to work for free or at a vastly reduced rate. It almost always means they undervalue your work and make a laundry list of unreasonable demands.

4) Dealing with HMRC

Ah, HMRC, the bane of every self-employed person’s life. While big companies have an HR department to deal with tax, NI contributions, and all the other financial admin, you have to do it all yourself.

And it’s not just tax return season that makes HMRC aggravating. If you ever need to call them up, chances are you end up waiting on the phone for ages - waiting time that you should be using for your work.

5) Setting up insurance

Another hassle people who work for others don’t have to worry about is getting their insurance in place. Even if they did accidentally make a mess of things, their company would be able to cover the costs, whereas for you it could mean the end of your business.

At least with Simply Business you can get a quote in minutes and combine all the covers you need into one single policy. Having just one renewal date means fewer things to worry about, so you can get on with what you do best.

6) Difficulty switching off

While you may know some workaholics who work for other people, it’s a whole different ball game when you’re self-employed.

Before you know it you’re answering emails at the weekend and ‘just finishing up one last thing’ at 1am. Getting your work/life balance, well, balanced, can be tough, and others often don’t understand why your mind is on your job 24/7.

7) The fear of failing

Everyone gets anxiety about work sometimes, but it can be so much worse when you have so much riding on it.

Even if you’ve taken all the steps you need to prepare for going self-employed, and sometimes even when you’ve been at it for years, you can still get that worry about things going wrong.

8) And the rush when it all comes together

The thing is, you wouldn’t have struck out on your own if you didn’t know your stuff. You’re an expert in your field and you are good at what you do.

Other people might feel relief when they hit a big deadline, but it’s nothing compared to the pride and satisfaction that comes with hitting those milestones in your own business. Just like Colonel Hannibal, you love it when a plan comes together.

What do you love most about being self-employed? Let us know in the comments.

Looking for self-employed insurance?

With Simply Business you can build a single self employed insurance policy combining the covers that are relevant to you. Whether it’s public liability insurance, professional indemnity or whatever else you need, we’ll run you a quick quote online, and let you decide if we’re a good fit.

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