free bus passes for working

For those of us self-employed and freelancer types who are 'of a certain generation', I recently spotted an unexpected and rare offer of support from the government: free business travel! (of a sort...)

Based on current age thresholds for when I may be able to start to claim a state pension and when I'll be eligible to apply for a free bus pass,  I'll be able to enjoy at least 7 years of travel by bus without cost to get to meetings with clients, venues to deliver workshops in, etc before I have the 'can I afford to stop working now' conversation with myself.

Now, some of you will know that as an unpaid carer, nearly all of the work I deliver is home-based/remote but based on a potential 2 return trips by bus each month, and that fares remain capped at £3 per trip, this could work out to support equivalent to roughly £1,500 over these 7 years. (See below for the sums behind this figure).

That may not sound much, but when you're self-employed and an unpaid carer who isn't eligible for any support as such, every little helps!

 

the sums:

based on my current working arrangements (which reflect most of my delivering being WFH due to ongoing unpaid caring responsibilities) = x4 bus trips pm, current capped at £3 = £12 x 12 = £144 x 7 = £1,008

Likely current projected inflation over coming 10 years at the time of this blog post (spring 2026), equated to when I'd currently qualify for this magic bus card (and assuming that bus fares caps remains) = 34%, so that £1,008 becomes £1,351.

happiness as a freelancer

Amongst the messages in my inbox last month that landed on world happiness day (20th march 2026), was a question: what makes you (me) happy as a freelancer?

Happiness may not be as easy to spot as you might think?

I initially thought it would be easy to run off a long list, but quickly realised that my first ideas were actually more about how freelancing means I'm able to be more useful and helpful to others than I might be able to if I were salaried - but does that make me happy?

So I recast my eyes and mind over the list I'd started to compile and found 3:

3 types of happy

1) chances to travel - and if I'm lucky, with enough slack around timings with clients and train timetables to allow me to briefly dip into a new museum or gallery (as those things make me happy). However, as my unpaid caring responsibilities have grown over the last 8 years, there's increasingly less opportunity for me to be able to travel around the country as easily as I once did...

2) Working From Home means I more easily surround myself with plants than I'd be able to in an employer's offices.

3) the variety of clients and work I do means that while there'll always be some that I start to struggle with / don't enjoy the work so much, at least I know that they're not my full time, ongoing work (as some people have to face each day with bullying colleagues, and work they don't enjoy, but need to remain in to afford to pay rent, etc).

Happiness is there as a freelancer - but you may have to work to find it 

So - happiness: it can be an elusive thing, and maybe the moral is that it's on us to work on making sure we can recognise it when it happens, and try to actively create ways in which we can keep reminding ourselves about it on a daily basis (especially if we're also amongst the approaching 1 million freelancers / sole traders who are also unpaid carers).

As always - credit to people where it's due for prompting my blog posts. In this instance its Jenny Holliday, who's post on world happiness day prompted me to reflect on the above:

https://substack.com/home/post/p-191264082 

    

why you're more, (and less), important to me than you may think you are

I try and see everyone as an equally important human being (an idea that started when I was a member of the Daily Bread worker co-operative, and which emerged as I learnt of the basis for it having a flat pay structure, regardless of people's skills, experience, age, qualifications, etc).

What qualifies you as a more important person?

You may be the chief exec of a national charity, but why does that make you more deserving of my time than some who's just been released from prison and is needing someone to support them with creating a new enterprise so they can avoid re-offending? You might argue that the hundreds of lives I can impact through working with the chief exec outweigh the needs of the individual ex-offender, but I'm not sure I'm qualified to judge the worth and value of anyone's life against another in this way.

This means that I try and treat everyone equitably - which includes how I allocate and prioritise time in my calendar, in managing projects and work (and with consideration for how this means I can continue to honour my unpaid caring responsibilities to several family members).

The consequence of nobody being unimportant

While this may sound magnanimous and to be credited, it does have consequences. 

Specifically, it can sometimes create longer lead times for my being able to offer dates and timescales for starting/completing projects. 

The last quarter of the financial year (January - March) is always extra busy for me, as programme managers realise that there's now only a few weeks to complete projects, ensure budgets are spent, and all the activity that they need to deliver by the end of the (financial) year is somehow physically able to be achieved. And for some of these people, I seem to be one of their favourite consultants to get to swing in and help out fix problems like these...

At the start of this particular (calendar) year, I found myself having to start to have to say 'no' to chief execs of charities, community outreach teams in national museums, and others who called to seek my support in delivering their projects that were due for completion by the end of March, as it was too short notice for me to be able to have space in my calendar when they needed me (in the following weeks).

A problem that's to be welcomed?

Now I recognise this as the lament that many of my fellow freelancers and small businesses wish they could similarly suffer: to have so much work on, that we're not able to take on anything new (so I should be happy, knowing that I can definitely pay the rent this month). But having to say no to requests today risks people not coming back to me in the future after they've found a new favourite consultant in my stead (which becomes bad for my paying rent in the future).

But I draw some solace in this tension from when I publicly 'came out' as sole unpaid sandwich carer - clients were more open to my working with them remotely rather than in person (which was their original project design); and some are even happy to delay project start dates while I may need to be away supporting family members with significant surgeries and the initial weeks of their recovery. 

So hopefully the same pattern may hold true in the future, and my having to say 'no' to some people today won't mean there's fewer calls in the future...

But is there a moral of this rambling..? 

I'm sharing this in hopes of assuring anyone that I've been saying no to, that it's not because I don't like you (see the opening of this post) - it's just there are certain times of the year that it's harder for me to add anything more to my calendar... And during these moments, please know that I'm very appreciative of your patience.

What makes your business 'good'?

In a recent group conversation with fellow freelancers, who are all part of the Freelancing For Good community, someone asked me:

"Are there any types of clients or work you would turn down on ethical grounds?"

In the moment, I said "no" - partly because my circumstances as the sole unpaid sandwich carer to several immediate family members means I have no recourse to support for myself, and so less capacity to take on work than my counterparts, so I need to try and take anything  I may be offered. But also because as I answered, I realised that I've never been in a position where I've been offered work that I'd had to seriously consider taking on ethical grounds.

This then prompted me to briefly widen the conversation as to what constitutes our respective businesses being 'good' or 'ethical', in order to work out just where the line was where I might start to say 'no' to types of work I'm asked to support:

- is it the type of work you do?

- is it the clients and customers you work with?

- is it your business model?

Your business model and form doesn't automatically make you 'good'

And this last prompt in particular may be more contentions than you think; for example, we generally hold co-ops and mutuals to be intrinsically 'good', but what if the product they offer may be seen as dubious to some (i.e. alcohol production, or support to sex workers)?

Perhaps we should look to 'badges' and accreditations? - but this too can throw up more complications. For example, Belu Water has won various public accolades from Social Enterprise UK, and yet it's market offer (botted water) is recognised as being one of the most environmentally damaging products in the marketplace.

What counts as being 'good'?

But I think there's also a wider challenge to setting the criteria for what counts as 'good'. Namely, to be 'ethical' means being socially acceptable, but what's socially acceptable changes over time (I'm of the generation which initially never knew or thought about the importance of recycling, or had any awareness that tuna was being fished in a way that killed dolphins - and yet within less than my lifetime I've seen significant changes on these, and other ethical/social issues).

And there's also the lesson that the brilliant TV show The Good Place highlighted: it suggested that in order to get into 'the good place' after you die, you needed to amass enough 'good points' during your time here on planet earth. But as our heroes came to learn, it had been centuries since anyone had been able to amass enough such points (and so 'the bad place' was creaking at the seams) - not because people were becoming more 'evil' but because of the curse of unintended consequences and the ever more complex supply chains that permeate our daily lives. For example, 200 years ago you could walk to visit your mother (plus points for family visit), and pick flowers as a gift on the way (more plus points). But today you'd drive (which involves mining of metals and fuels to create and power the car, often by people in precarious and dangerous working conditions = minus points), and buying flowers from a shop (again, grown and picked by people in other countries, necessitating CO2 production to fly them to said shop = even more negative points).

Even if it seems impossible, it's still important to try 

So if trying to live a good life is now so complex, and we can't help but compromise our ideals in trying to do good in how we run our businesses, should we even bother?

I think so, yes. Because for me it's the effort that's important - not what we do, but how we try and do it that defines us*; and this hopefully inspires and encourages others that although something may be hard, we should still try.

And we should also try and be kind to ourselves, on the occasions where we realise and have to accept that there is no 'ethical' choice to be had - we live in an imperfect world; but through our intentions and efforts we can try and shift this, even if only an infinitesimal amount. Because ultimately, it's when lots and lots of very small things get together to work in harmony, that the big things start to change and happen.

Does AI think my business is 'good'?

Finally, as this is my 20th year in business, you may have seen that I've been trying to look at things through this porcelain lens. Part of this has been writing 'Flushed!' as a retrospective of these first 2 decades from my own perspective, but I've also been asking AI what it thinks the main footprints of my business' activities to date have also been.

In keeping with the idea and questions of this post, I read what it thought through the question of "how good" has everything I've done so far actually been (after all, good intentions and commitments are important, but if you don't actually follow through on them...). What it returned was surprising and encouraging in equal measure - as I outline above, my core focus to 'doing good' has been about how I manage my business, not what I do, but AI highlighted:

"His portfolio includes socially challenging and “mission-driven” assignments — in-prison rehabilitation enterprise, incubation for homeless entrepreneurs, community-facing incubation or workspace models, etc. That shows not just business savvy, but a commitment to social justice and inclusion."

All of which leads me to conclude that your business is actually already doing more good that you might realise...!

* see my annual impact reports for examples of my efforts in this regard: 

https://drive.google.com/drive/folders/1o7M70ttK7My-ieTuBRi-gGeR9VOUfYxl?usp=sharing 

I'd like to apologise to all my fellow freelancers

I recently had an invitation to meet with the Government's Small Business Commissioner, after I was recognised by the new national Fair Payment Code as being the UK's first freelancer to gain this certification (and at the top gold level too!).

I'd already worked with their office to help them review and adapt their application criteria for this standard, (which originally excluded most of us freelance/self-employed types from being able to apply - because most of us don't have accountants, or use expensive accounting software), so that we could be on a slightly leveler playing field as everyone else. And this additional 'going beyond' made me think that the Commissioner might be especially interested in my ideas and experiences? (hence the invitation).

This invitation seemed a good opportunity for to me to help government bodies better understand just how important we are to the wider economy (and maybe a little more deserving of recognition in its policy?), if for no other reason than because I know from most of my conversations with a lot of my peers over the years, that we're actually much better than larger private businesses at paying our suppliers on time.

But as an unpaid carer, I had to decline the invitation - the Commissioner's office said I'd have to travel all the way into central London to meet with them in person: I live way 'up north', so the time needed for the travel wasn't possible against my ongoing caring responsibilities (which ironically, I'm not eligible for any support with, because government policy doesn't recognise that freelancers can also be carers). Despite offering to meet by zoom, or enter in an email dialogue, they simply said "sorry you can't take up the invitation, but keep up all the good work you're doing as an unpaid carer".

So to all my fellow freelancers out there - I'm sorry I wasn't able to represent us to government when I had a clear opportunity to. 

But hopefully more of us will start to submit ourselves to be certificated by the Fair Payment Code now that the application process allows us to, and the subsequent number of us doing so against other types of businesses might prompt the Commissioner to invite some of us round for tea and biscuits in the future, to re-start the conversation that I wasn't able to?  

I've given up on my dream of ever getting a job

20 years ago I was 'personally and professionally shafted' by one of UK's then leading social enterprises after they'd approached me out of the blue with a dream career offer. Acting in good faith, I recruited my successors in the co-op development agency I was employed in at the time, relocated my young family from Cambridge to 'up north', and was then suddenly told by their managers that I'd been speaking with, that it turned out that they didn't actually have the authority to follow through on the offer and invitation they'd made to me...  

I immediately started knocking on doors in my new adopted home town to find a next job (where no-one knew me, the internet and smartphones weren't yet a thing, etc). And the first offers of work I found required me to be self-employed - a necessity to support my family, rather than a deliberate career choice (as so many others' stories I hear about seem to be).

However, I was always looking to get back onto a respectable payroll - if only for the security it offered (after all, I had young family!); and then as years went on, for a sense of community, support (IT, etc); and sick/holiday pay and pension contributions.

It's now 20 years on - and despite setting various job alerts on different sites; having had my CV reviewed by different 'experts'; being encouraged to apply for roles by senior people in organisations I've been an associate to; and various interviews; I've still not landed a job offer. 

And its been increasingly challenging to find jobs that offer a salary and flexibility consummate with the caring responsibilities I now have, let alone be able to get shortlisted for interview.  

So having now reached my 50th year (which shouldn't make a difference, except we know it can), and with caring responsibilities which mean that I wouldn't be able to employ me if I were applying for a job with myself - I've reached the decision to officially 'give up' on this dream I've been chasing for the last 2 decades. This is because I recognise that it's never going to be able to happen in a way that I now need it to, but didn't them (chiefly because of the unpaid caring responsibilities I've been gained from the universe during this time: something I share with the 600+ other people who are having to quit their salaried jobs every day).

(Now, I should probably clarify that I don't begrudge being self-employed: there lots of positives I've enjoyed, and impacts I've been able to create, that universe might not have otherwise benefitted from because of the restrictions that being on a salaried payroll would otherwise have imposed on me.)

And strangely, I find myself not feeling any sense of loss in having made this choice. I've just given up on a dream I've been chasing for 20 years, which has in part been helping to sustain me, and which should surely make me feel mournful in some way? But instead, I find myself with a sense of release and freedom - and feeling (slightly) less stressed by having 'taken something out' of my expectations for my future, and focus for energy.

But I also recognise that this means I may actually start to properly take being self-employed seriously (for perhaps the first time ever!), as I've now abandoned my 'safety net' to it... 

after 20 years, it's time to go to the toilet

My business is 20 years old.

20 years! Only about 10% of enterprises that start-up get this far. 

To put this in perspective - when I started out, smartphones didn't exist! (it would be another year before the first tweet was posted; 2 years before the first iPhone was released on the world; and 3 years before Dropbox was launched. The typical best internet speed was 1Mb compared to around 900Mb today - we had to rely on using sharpened bones to scratch messages onto stones, and then hope people picked those stones up when we threw them at them).

Now, it turns out that the material associated with this particular anniversary is porcelain - something that most of us here in Britain associated with toilets.

But for me to have gotten this far, porcelain actually seems an apt simile for me:

• it has a high elasticity - to be able to keep up with all the changes in the world over the last 2 decades, the range of work I do, and types of organisations I support across all sectors, means I've had to be able to easily keep stretching myself.
• it has considerable strength and hardness - I've pushed hard on some things over the years, often to personal and professional criticism and opposition. This includes: (successfully) challenging CIC legislation; publishing a book that exposes most of the claims that people make about 'imposter syndrome' to be unproven and/or not based in any factual evidences; shining a brighter light on the 500,000+ unpaid carers who are discriminated against by all the bodies that are supposed to be supporting them because they're the only type of carer who aren't recognised in law for the sole reason that we're also self-employed; and calling out the apparent unprofessional practices of some social investors, which are damaging the wider sector; to name but a few.  
• it's translucent - I've openly published details of how I'm creating (or not) impacts of different types each year; and also been honest in my blog posts about when and where I've gotten things wrong.  
• and it has a high resistance to shock - if you've followed my blog over the years, you'll know that since becoming self-employed, my family has been made homeless twice; my father (who lives at the other end of the country) has almost died twice; I've navigated a difficult divorce; been investigated for tax fraud by HMRC three times (and cleared every time); had 'unannounced police visits' late at night; and so on. So much so, that the few people who know just how much 'shock' I've had to respond to and work through over these last 2 decades, are all amazed that I'm not only still in business, but not needed to be admitted anywhere...

So I'm actually pretty chuffed to be associated with porcelain.

But I also didn't want to miss the opportunity to try and mark this milestone - so, linking back to the toilet analogy, I've decided to twin my office toilet with a school in Uganda via https://toilettwinning.org/

25% of all human beings today don't have somewhere safe, clean, and hygienic to go to the toilet. Not only does this create all sorts of associated 'bio-hazards', it strips fellow people of their dignity. And if schools don't have toilets, then kids will find ways not to go there for those reasons, and as a result, lose the chance for education and so lose the future that they could/should have had, including the opportunity to break generational poverty.

So the next time you're paying a visit to the loo this year, please think of me and what you might be able to do to similarly 'be more porcelain'; and maybe if you might also be able find a similar excuse to twin your toilet with someone else's. 

does freelancing make you a better lifelong learner?

We're currently in the middle(ish) of this year's Lifelong Learning Week - an annual campaign to highlight the importance of continuing to exercise our 'little grey cells' after our school years, and shine a light on the various benefits that doing so creates for us personally, those around us, and the wider communities and worlds we're part of.

As a freelancer/self-employed, I've always prioritised maintaining an ongoing and active learning mindset:

• I set targets for how much of my turnover I try and spend on courses, journals, and events;
• I keep a rolling monthly log of all my formal CPD activities, to help reflect on what I've taken from them, and how they've contributed to how I've challenged/changed my thinking and practices;
• I hold memberships of bodies like the Workers Educational Association and the Co-op College, as a show of solidarity with providers of lifelong learning;
• and more...

But I was struck this year that only 52% of us 'adults' have engaged in any type of recognised learning activity in the last 3 years, and that there are growing inequalities in the opportunities and abilities for some of us to even have the option and opportunity to engage in learning activities : https://learningandwork.org.uk/resources/research-and-reports/adult-participation-in-learning-survey-2024/

Reflecting on my own 'learning habits', and hearing about those of fellow freelancer and self-employed types through different communities I'm part of (such as Being Freelance, ipse, FSB, etc) makes me realise that perhaps there's something about working in this way which helps to address some of these barriers and inequalities that we all face when it comes to lifelong learning.
Maybe because we recognise the importance of always investing in our skills and knowledge (we'd quickly become obsolete and lose work if we didn't!), and because of this, more easily 'catch the learning bug'?

And if so, should we make this part of how we celebrate and evidence just how important we are to the wider economy and communities, as another example of how underrated and undervalued we are to policy makers and politicians? 

chocolate, taboos, impossible choices, and tax - the present and possible futures of freelancers with caring roles?

Each October is the global Freelance Business Month – a coming together of freelancers from different countries to share encouragement, support, insight, and general building up of each other.

This year, I was invited to lead one of the sessions, to explore the ways in which freelancers from around the world who are also unpaid carers approach balancing the often-conflicting demands of these roles.

In the run up to it, the topic seemed to be drawing a lot of interest, based on responses, comments, and reshares to social media posts about it on different platforms; and, on the day, the number of windows in my zoom app from people joining only just all fitted onto my screen…

As part of the conversations, everyone agreed that it would be important to try and capture some of the stories shared, as an encouragement and support to our peers who are similarly juggling these roles and circumstances - which is what you're now reading in this blog post.

Caring around the world

We opened with a brief reflection on what unpaid caring and freelancing looks like in different countries. Based on my own researches over the last few years, we know that in the UK, unpaid carers who are also freelancers:

• Number in the region of approximately 500,000;
• Are twice as likely to be in poverty than their counterparts who are able to be in some form of salaried work, and that’s largely because we suffer a ‘caring penalty’ in the form of lost earnings of up to £20,000 each year because of our caring responsibilities;
• Were usually freelancing before gaining a caring responsibility, in contrast to popular belief;
• Aren’t recognised or offered any rights in law (as other carers are), and as a result have no caring or business services designed in recognition of their specific circumstances.

Others in the session shared a similar lack of recognition and support available in their respective countries. 

The stress is universal, unavoidable, and causes problems

Some talked about how the pressures and stresses of taking on and managing a caring role can mean that we may be more prone to making mistakes in how we manage our affairs as a freelancer - one person shared that the process of becoming a carer meant that they were so distracted during one of their annual filings of accounts, they are now paying more tax than they should be (and at a time when they are now also earning less because of the caring role).

This theme of enhanced stress was echoed by all, in wanting there to be a greater understanding and recognition of the psychological stresses and mental strains that becoming (and acting as) a carer places on us as freelancers. As one person shared in the chat: 

“It [being a carer] seems to be both an obligation and a choice. There is also the choice to NOT be a carer, but…”

Balancing it all 

We moved on to sharing some of the ways in which we’ve been approaching creating our own balances to keep our earnings as a freelancer continuing, with fulfilling the responsibilities of having a caring role (or in some instances as was shared, having multiple caring roles! One freelancer shared how they’re now the sole unpaid carer for multiple family members in their immediate household):

• Some have chosen to purposefully limit their earnings/avoid certain types of work and clients as part of trying to reduce the increased stress that being a carer brings;
• Some shared how they have identified and accessed counselling support for themselves as part of managing the stress, via memberships of professional freelancing bodies – but all agreed that we should all be trying to access this through other means where we may be able to, as part of trying to manage our personal well-being in this dual role;
• Some shared that despite having less earnings, they have reduced their personal disposable even more in order to pay for private health care plans so that they can better manage their own health needs around those of the people they care for, and in working as a freelancer.

We also talked about how there was a need for better education and understanding about the needs and circumstances of freelancers in our position – 

“if you’re not in the situation, you would never understand just how it feels and what you’re faced with having to manage”.

Which in turn, led to a consensus on the importance that as a community of freelancers we need to take opportunities where we can (and are able/comfortable to) to share our stories in breaking the taboos around unpaid caring as a freelancer, if we’re ever going to be better recognised and encouraged as such, (which includes finding encouragement in/from our peers).

This led to a lively discussion around if / how / when to disclose to our clients that we have a caring role.

'Coming out' as a carer

Nearly all present stated that they’d told at least one client they work with about their caring responsibilities, and that in the main, it strengthened the working relationship by that client then seeing them as subsequently being more authentic – and in our also disclosing this in ways that included examples of how we would mitigate the risk of this impacting on our work with them, that we’re seen as also being more trustworthy, too.

One freelancer shared a story of a how, after disclosing their caring role to a client, the client had stated that they wouldn’t be able to work with them after all, owing to the nature of how the wider programme that they were managing had been designed. However, the following week, the client returned to say that after reflecting with their own colleagues, they’d decided to redesign their programme so that the freelancer could be commissioned to support the delivery of it after all.

This was heard by all in the session as a massive encouragement as it showed:

• If we openly work with them, clients can better understand our circumstances and respond – but they'll probably have never before thought about this, until we forced them to;
• A validation for the value and worth of how that freelancer is viewed by their client.

Another unexpected outcome shared in the session by another freelancer after they ‘came out’ as a carer to a client, was that client suddenly being able to share their own caring story with someone who they knew would ‘get it’ – it built more points of connection with a fellow human being, and highlighted that it’s not just freelancers who struggle to be able to find ways to talk about the realities of being a carer in workplace settings.

What's good for freelancers who care is good for all of us (and vice versa)

Finally, we shared our ‘magic wish’ with each other – the one thing that we would like to see happen or change for freelancers who also having caring responsibilities:

• More chocolate to help us manage our stress;
• More understanding from clients and governments;
• Having some form of basic universal income;
• Bringing in an equality of access to benefits and supports that employees who are carers can access, but which we as freelancers who are also carers currently can’t;
• Changes to the tax systems as part of a wider recognition of financial supports freelancers need, owing to the displacement/loss of earnings that having a caring role forces.

Interestingly, many of these wishes are relevant (to lesser degrees) to all freelancers in all countries, regardless of them having an unpaid caring role or not – which suggests that any changes introduced to support freelancers with caring roles, would also be of benefit the wider freelancing community too (and vice versa).

And none of what was shared by people seemed to be specific to any one country – which suggests that our experiences are pretty universal, meaning that it would be easy to learn from and support each other more in progressing these.

 

Special thanks and recognition 

I'd like to thank those of you who were part of the conversation for your openness, honesty, and bravery in not only talking about your caring stories and experiences, but also for encouraging me to share this all on with the wider world.

I'd also like to recognise those who were there who shared that they're at the start of their own personal caring journey as an existing freelancer, for your proactiveness in seeking opportunities and ways that you can better support yourself and inform the choices you're starting to face (I wish I'd had your foresight when I started my own caring journey 7 years ago...)

And, my thanks again to the organisers of this years’ FBM for allowing me to host this space in it, and for also changing the format this year to a ‘free for all’ access – instead, asking for donations to support pancreatic cancer: https://ti.to/freelance/fbm24/with/freelance-business-month-donation

(if you didn’t already know, freelancing is one of the ‘life activities’ that puts us at an increased risk of developing cancer in the future! https://www.freelanceinformer.com/news/cancer-alert-40-of-cases-linked-to-lifestyle-freelancers-are-you-at-risk/)

 

how desperate unpaid carers really are...

Carers UK recently published research into how many unpaid carers are in poverty (spoiler: being a carer means you're x2 as likely to be in poverty than if you're not).

Despite being lauded by government and other agencies in recognition of the roughly £160 BILLION that we save the government EACH YEAR, there's still plenty of disgruntlement amongst us for the lack or recognition and support we receive in turn - for example: for those eligible to qualify to be able to apply for carers allowance (plot twist: despite having sole unpaid caring responsibilities for several family members in my immediate household, I'm only eligible to receive £6 each week), this only offers about £2 per hour that we can receive in recognition of the time we spend caring, which prevents for from being 'economically active' otherwise: earning money to support ourselves as others can. For comparison, the legal minimum wage we would have to be paid for any job, however menial, starts at £6.40 per hour.

The report by Carers UK digs into this topic in painful and shocking detail. And while others have done far better jobs that I in looking at the wider dimensions of how carers suffer inescapable poverty because of the nature of the role: https://numbereighteeninthecorner.blog/2024/09/19/carer-servitude/, - I'm focussing here on what this latest research tells us about how being an unpaid carer affects those of us who are also self-employed. 

Now, before we get into Carers UK's research, to 'set the scene' here, self-employment in general is:

• one of the worst things you can do for your mental well-being; 
• likely to mean you earn less for doing the same job than if you were salaried;
• worse than being employed for your long-term health.

And yet roughly 500,000 of us who are unpaid carers are choosing this way of working on top of being a carer, which in itself is recognised as being:

• highly stressful;
• leaves us socially isolated;
• bad for our mental well-being;
• roughly, up to £20,000 worse off EACH YEAR. 

So lets do the reveal: unpaid carers who are also self-employed are x2 more likely to be in poverty than their employed counterparts, who also have caring responsibilities (and to 'rub salt in the wound', we don't get the same legal recognition or protection as they do...) 

So why are so many of us pursuing this apparent nonsense of pushing ourselves even further 'over the edge' by 'doing' self-employment alongside our caring role, when all the evidence above says it's the worst thing anyone could do to themselves?

As Carers UK research highlights, nearly half of people who were salaried before becoming carers are forced to give up their jobs, because they find the two roles aren't compatible. 

The current rules on carers allowances (assuming you're eligible to be able to be apply for it, then and lucky enough to get it) means that you can't earn more than £151 a week. Combined with the max carers allowance of £81.90, this would mean you have a maximum income potential of roughly £12,000 a year to live (covering housing, food, utilities, clothing, etc). That's less than half of what's recognised as a person needing to earn in order to have a minimum acceptable standard of living. This means that many carers simply can't afford to apply for/live on carers allowance, and as previously highlighted, quite a lot of demands and requirements of being an employee are incompatible with being a carer.

Which means that short of picking the winning numbers on the lottery, or robbing a bank, the only other choice is either living in deep poverty or doing self-employment (although as the research shows, doing self-employment is no guarantee you won't escape the poverty trap).

And I've also heard of some of my contemporaries in this space who've openly shared that taking on this most stressful of all employments was the best way they could find to help them find a counter-balance to the stresses and responsibilities of being a carer. Which takes us back to the earlier point of how tough being a carer is - but how tough must it be, for the most stressful of all employments to be seen as a type of respite from it?  

So for anyone out there who's also a carer as well as being self-employed: I hope you take some comfort from this post, in it offering you a recognition of how tough life really is for you. And for anyone who isn't: I hope you can use some of the feelings that this post has (hopefully) stirred up in you to act in support for carers of all types. 

how to find out how much people really respect you...

I've blogged in the past about how difficult it can be to take 'time off' as a sole trader/freelancer - something that various studies also highlight:

• 1 in 4 of us aren't able to take any holiday at all, and of those of us that are able to, about half have to take work with them;
• and this isn't because we're all greedily trying to cash in, or we're workaholics, but because unlike our counterparts in salaried employment, we're not entitled to the nearly 6 weeks paid time off that they can claim for holidays.  If we take time off, we get no pay;
• and all of this is further compounded by my also being one of the nearly 500,000 self-employed/sole traders who are also unpaid carers, and so already earning less money than those that aren't...

So it was with mixed emotions that I prepared to be away for a week with my wife recently - roving around caves, forests, and fields in Devon and Cornwall. And as this has been the first time we've been able to take a holiday together for about 5 years, was 'quite important'. 

In recognising this, I made effort to contact various clients, project managers, associates, etc in advance, to alert them to my being away - partly to help manage expectations, and also to try and best protect this time away.

Most people I contacted acknowledged and wished us both a restful and enjoyable time. A mark of the respect and strength of relationship I'd built with them. Or so I thought...

While I was away, I had to respond to no less than 13 arising issues, all from different bodies, people, and groups whom I'd already informed of my being 'out of office'*. These ranged from local groups, to collaborators with whom I'm working on joint projects with, to infrastructure and national sector bodies.

And none of these messages referenced the senders' awareness that I was taking a holiday at the time they were sending them, nor that they were able/happy to wait until my return - in fact, nearly all needed responses urgently (so a good job that I was able to wander around early in the mornings before my wife rose for our adventures of the day, to find signals for my phone and quickly send acknowledgements, replies, and clarifications to nearly all of them).

Now, the above could be read as an encouragement that I'm fortunate to have these relationships and work at all, but it's also been said that a mark of respect is how far people will act in ways you ask them to - and in light of the above, I can't help but start to wonder how far my experience is illustrative of either people not being respectful of me, or it's a wider issue about freelancers and sole traders in general not being respected?

My hope in sharing this 'rant' isn't to shame any of the above (after all, there are always at least 5 sides to every story, and we'll never be aware of most of them), but to try and open up opportunities for conversations with others to test the above question: is it easier to have your holiday protected and uninterrupted if you're employed (and so have legal rights and protections for your time off), or are freelancers and consultants not thought of as being equally valued in how they're treated by clients in comparison with how said clients would treat their employed staff for the same circumstance (taking holiday)?

If it's the former, then it's another sign of how unjust the law is in treating the self-employed as a lower class of people in not recognising or affording them the same protections and rights as people in other forms of employment are entitled to. And subsequently, the damage this is doing to the 4.3 million of us in the UK who work in this way.

* Yes, dear reader, I could have simply ignored them all until I got back to civilisation - but to do so, would have meant a higher level of stress on my return when I opened the inbox to find torrents of conversation threads marked urgent and whose deadlines had already passed and therefore my needing to get involved in dealing with the unexpected 'fallout' from these (and which would have further compounded our coming home to find the bathroom leaking into the hallway...) - thus negating all of the benefits of taking time away.

Links - 

https://www.crunch.co.uk/knowledge/article/holiday-when-self-employed-get-away-with-getting-away 

https://www.simplybusiness.co.uk/knowledge/articles/2023/05/can-i-get-self-employed-holiday-pay/ 

https://thirdsectorexpert.blogspot.com/2023/06/being-all-things-to-all-people.html 

blending running a business with being a carer

Earlier this year, I found myself back in the Atomicon-verse (for those that don't know, it involves oversized pink pineapples, lots of freelancers getting giddy, and a strict 'no selling' rule). 

Most people involved in it seem to focus on the main day speakers, and the chance to hang out with people they normally only get to share a zoom screen with. But I've always found that the most encouraging, powerful, and useful part of it for me are the 'roundtables': hour-long on-line spaces in the weeks running up to it, hosted by people coming to the event, to share, reflect, and explore a range of self-chosen topics.

Last year, I was fortunate to be invited to lead one of these round tables, on the topic of being an unpaid carer and small business owner (see the write up from that here) - and this year, the ever upbeat Liz & Mike Cole were holding a space on how to approach 'blending' these 2 identities.

It saw a small group of us convene on screen at the appointed time, to initially offer mutual encouragement through each sharing a (very) small part of our story in how we'd come to gain our caring roles, after we'd already established and were running a business; and some of our struggles in reconciling often competing demands on us this leads to.

This also highlighted just how diverse caring roles can be:

- being a parent to young children

- being a foster carer

- being single parent, following the loss of a spouse

- having neurodivergent children (both young - of school age, and older - in their 20s)

- nursing a spouse through significant illness

- having elderly parents who struggle to live independently 

But we didn't focus on how we supported ourselves in these roles (as happened in last years' round table); our conversations instead explored how we can be more open about having a caring role, with our clients. 

This is because all of us identified to some extent with the concern that as freelancers and small businesses, clients buy us in to fix their problems - if they learn we also have caring responsibilities, which may mean we have to delay or defer working on their project, then they're more likely to pass us over for the commission. 

Several options and ideas emerged through these reflections together, and I've summarised them below, in hopes that they may be of encouragement and support to other unpaid carers in similar circumstances to us:

1) mapping the skills we've developed as unpaid carers, against the offers we can present to clients, to highlight how these responsibilities can offer us additional 'superpowers' in what we can offer them in turn;

2) highlighting the value and impact we've delivered to other clients whilst also having caring responsibilities, to challenge prejudice and bias on their part (however unconscious it might otherwise be);

3) pro-actively offer clarifications about our working practices to manage expectations, as part of our terms and conditions, as a means of 'positive disclosure';

4) referencing external research to validate the assertions we're making about all of the above with regards to our ability to deliver proposed projects.*

This isn't the first time that I've invested time in considering and exploring how to be more open with the world and clients about what it means for me to be an unpaid carer, and how this affects my working life - I had the opportunity to raise the question at an 'expert hot seat' session last year. However, in that instance, I felt rather disappointed with the response from the 'global experts' (who didn't have experience of caring roles themselves). Their suggestion was simply "Tell the client at some point, but don't make it a 'first date conversation' topic. If the client doesn't understand and isn't supportive, then you probably wouldn't want to work with them anyway". But that somehow misses the point of recognising that about 80% of the self-employed are already in poverty (before we add in the impact of being an unpaid carer, and the financial penalty we pay because of this), so we can't always have the luxury of being picky and choosy over the types of clients we work with...

Perhaps this divergence in experience can be attributed to the adage that those with the affected experience are best placed to know how to best respond to it? But as last years' round table on this topic highlighted, we seem to have precious little opportunity to currently do so, so I've very appreciate of Mike and Liz to have hosted the space, for us, and for everyone who was part of it on the day.

* There's not much of such research out there at the moment, but following last years' round-table on the subject, ipse and other national sector bodies have subsequently gotten interested in this topic (given that it's been identified there are about 500,000 of us!), so there should be more evidences hopefully emerging soon...  

How to give over £500m to charity as a freelancer

If we're honest, most of us would say that we'd like to do more to support charities and good causes in giving to them - and if we're being even more honest, then most of us would also admit to this being increasingly difficult to do with rising bills. For those of us who are freelancers/self-employed, this is also compounded by additional 'downward pressures' in what we're able to earn too...

But each year, the second Wednesday of May is marked by "give a days wages to charity day" - an attempt to help us be able to justify the act which we know will make us feel good, and also do good, but often struggle to do for the reasons above.

I started to mark this annual day a few years back, by asking my contacts across social media who they'd nominate to be the recipient of my "days wage" that year - and I've stuck with the Buddy Bag Foundation every year since.

Now - as a freelancer, it's not that straightforward to work out what a typical days' wage is, as our earnings fluctuate over the year, and what we 'earn' in income also has to cover our business' costs, so its not directly equivalent to our 'wage'.

But thanks to Creator Rights Alliance, we can easily work out what our equivalent salary is, based on our typical day rate charge to clients:   https://www.creatorsrightsalliance.org/freelance-day-rate-guide-2023

However, I've gone with taking my gross earnings from last year's tax return as my baseline to work out a days' equivalent.

Now, if you're doing this exercise yourself, you're probably thinking that while it may momentarily spark a warm glow in you, you quickly realise that a gift of that amount isn't going to make that much difference... 

But it can!

I've done more sums using the average freelancer day rate (thanks YunoJuno!), worked out what this would be as an annualised salary, then divided that by the number of working days in a year to work out the average day's salary that a freelancer earns; and multiplied this up by the number of freelancers in the UK (thanks ipse!).

This comes out to £410,032,540.

And if we remember to tick the gift aid box when we gift it, that means the charities can claim an additional 25% of our donation (£102,508,135) - which brings the total that freelancers could be giving to charity to a whopping £512,540,675*.

But it only works if we all do it.

Which is why I'm being very un-British in this post, and sharing with you all how much I'm giving to charity (today, at least).

One day's equivalent salary isn't that much when you work it out - but it can be transformative in the life of someone who can be supported because we've given it. And if we all do it...  

* for comparison, the last Children In Need fundraiser in 2023 raised £33.5 million, and so far this year, Comic Relief has raised about £40 million.

time to ditch the fetish of becoming a 'financially sustainable' business

In a social/networking session with fellow freelancers I was part of recently, a recurring theme amongst my fellow self employed, who are in their first few years of trading, kept coming up - namely a desire to become 'sustainable' (aka creating a pipeline of assured regular work).

Let's quickly clarify something about this - this isn't unique to freelancers.

While most businesses make it through their first year, most won't make it past 3. https://www.statista.com/statistics/285305/new-enterprise-survival-rate-in-the-uk/ 

This 3-year threshold is possibly why, if your business makes it past 3 years, it's officially recognised as being financially sustainable: 

https://www.freshbooks.com/hub/startup/how-long-does-it-take-business-to-be-successful#:~:text=list%20really%20expanding.-,Year%20Three,three%20years%20in%20the%20distance.  

However, within 2 years of reaching this magic milestone, 20% of these 'sustainable' businesses will then have had to close their doors for good... Just because you've made it to 3, doesn't automatically mean you're set for life.

So - if all businesses equally struggle to keep going (regardless of it they're large or micro), why do we keep chasing the dream of reaching a promised land of 'being financially sustainable'? The data referenced above shows this will never happen - but that's surely to be expected when you remember that markets, people, and fashions, etc keep changing all the time around us (so what we once thought everyone would want to buy, is now an anathema... disposable plastic cutlery, anyone?).

Surely it would be better to ditch the expectation of reaching a goal that's always going to be unachievable, and instead reframe our language and ambitions to something more realistic and honest: maybe something to do with cash reserves, and how long we can run for if we suddenly run out of paying customers (which would reduce the threat of facing imminent eviction from our homes, and therefore go a long way to helping our peace of mind and achieving a healthier state of mental well-being...).

When is a community not a community? (or, am I an Albatross?)

As freelancers and small business owners, there seem to be constant exhortations for us to be part of a community. And I recognise the various benefit of being part of such peer networks, having invested time, emotion, money (and even professional reputation) in many over the years.

But over the years, despite having been part of many 'communities', I'm starting to wonder if I'm accidentally having an 'albatross effect' on them, as they all seem to 'die' after my being involved with them..!

However, this post isn't about me suggesting I'm a potential jinx, but rather to ponder how the ending of a self proclaimed community might reveal just how far it really was ever a real community to begin with:

Of the gravestones raised in memorial in this post, I'm going to immediately discount Micro Biz Matters Day (which I was a keen supporter of, sometime roadie, and occasionally part of the line-up for), which was staged every year for 8 years, because it never presented itself as a community but rather as a part of a wider campaign that's been championed by Tony Robinson - and campaigns all have a natural life, and the small teams who lead them rightly decide when it's time to move on to the next thing.

In contrast, the other 2 examples are worth lingering over:

Freelance Heroes (FH) was created in 2016 and referred to itself as a community for freelancers - and indeed, created lots of things to facilitate such a sense and practice of community, inspiring many other freelancer communities to coalesce in response to their mere existence: from it's original Facebook group, conferences were added, chat forums introduced, twitter hours with member of the community being invited to lead and manage them, 'featured freelancers' profiled (published interviews and youtube lives), peer learning sessions by member for members, a virtual library of books written by its members, and optional paid subscriptions (with additional pirkx). 

But at the end of 2023, it was suddenly announced by email that FH would imminently be being closed, and all of its associated artefacts and IP (website, forums, blogs, etc) would be being taken down.

Reasons were given about financial pressures, and people's capacity etc, and while there's plenty that FH can be proud of having achieved and influenced, for a body that presented itself as being a community, the upset that many expressed in the immediate wake of the announcement is possibly based on all of us feeling we were part of just that: a community. That the owners of that community seemingly hadn't trusted or respected us enough to share that there may be tough decisions to be taken, or to try and engage us all in conversations about possible succession and legacy options, maybe helps to explain how and why so many people were upset by the announcement - after 7 years of feeling we were part of a community, we suddenly realised that we never were in any meaningful way when it came to the big important decisions about us.

And more recently, the Good Business Club (GBC), established 6 years ago has suddenly made a similar announcement about closing up in the next few weeks - a shock decision that's seemingly come out of nowhere after years of all us members of it being encouraged to be actively involved in leading and developing activities and initiatives for the benefit of the wider community of its members. So again, I'm left wondering, how much of a community were we really being allowed to be, if we can all be disbanded by a discretionary decision of the founders of it?

Importantly, for context, I think there's a lot of things that have been going on behind the scenes at GBC which are highly charged and emotive in leading up to this apparently 'out of nowhere' announcement - based on the official statement of its being wound up seemingly contradicting itself: 

(1) The founder opens by saying that they are stepping down from running the GBC after a tough professional and personal year (but no sense yet of this spelling the end for the GBC, as they'd always clearly managed their personal role and identity as being separate and distinct from that of GBC); 

(2) it's then immediately stated in a bold heading that the community will continue; 

(3) but it's then clarified at the very end that all the forums, websites, and membership fees will be cancelled and ended in the next few weeks (and we're signposted to another paid 'community' we can join instead - which costs 25% more). So actually, despite how this statement began, it really is a 'so long and thanks for all the fish' goodbye to all of it.

All of this leaves me wondering and feeling if its really worth my investing time, energy, money, and emotion into any self proclaimed 'community', when at any time, a small group of people within it can suddenly pull the plug on it all with no warning or notice (as added embarrassment in both instances, I'd been actively working on developing new strategic partnerships for FH with other national sector bodies on their encouragement and with their full knowledge, when their announcement was made with no prior warning - so first I knew of it, was also when the contacts in other bodies I'd been speaking with also found out. And a week before GBC announced its closing, the leaders of it had approached me to talk about my developing and running events and initiatives in the community's name). 

Maybe all these self-proclaimed 'communities' we see out there, aren't really communities at all, if the people who make them up are never actually trusted with hard truths or realities about looming difficult decisions facing it, nor given opportunity to step up and help to mitigate challenges that it may be being faced with?

What I'm taking from these knocks (there have been others over the years - I'm just reflecting on the most recent ones in this post), is that in the future, any group that presents itself as a 'community' and invites me to join, will get a bit more of a due diligence on my part to see just how far it really is a community, or it's actually just a club controlled by a selected few that would actually just like my money to help keep their idea going. And at any moment, the 'rug may be pulled out from under our feet' without warning, and we all find ourselves back in this stage of shock and disbelief about what's happening.

Finally, I'm aware that some people who may read this post will find it hard and painful, because they were part of the leadership teams for these communities, and so will naturally feel a sense of responsibility for how the ending of these groups played out, despite their best efforts and intentions.

This post isn't meant to be any smear or indictment of their character, but an opportunity for me to grieve these wider groups' passing (moving through the stages of denial, anger, bargaining, depression, and acceptance), and to reflect on the manner in which the process has been managed has on me for how I approach similar things in the future. Very often when 'communities' end, there's an outpouring of encouragement and support for those that made the decision and had bee the figures heads in leading/founding them (and rightly so), but rarely an opportunity or space for those of us who were part of them to reflect on what their ending means for us.