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.

After 20 years its time to report less impact

I've always been an advocate of social impact reporting, ever since I first stumbled across its concepts in the 1990s.

This has meant that over the last 3 decades I've helped to develop and pilot new national reporting frameworks and toolkits, deliver masterclasses for enterprises and commissioners, and be invited to share my ideas and thinking with national conferences. It's also seen me develop a framework for reporting my own business' impact, the latest of which marks 20 years of this commitment.

And for anyone who's followed my self-reporting journey, you'll be aware that what it convers has expanded over the years - from 2 numbers and a sentence on a webpage in 2006 to a 37 page report in 2025, that's been commended by the Institute of Social Value, and Social Value International.

But this year, as well as it trying to consider the full and total scope of my impact over a 20-year period, it's also the start of my deliberately starting to make it smaller (not just in page count, but also in what I'm considering in it).

Using a milestone year as an excuse to pause and reflect

Last year was the 20th anniversary of my business' startup, and I made a decision that year to try and start taking it more seriously (on the basis that over 90% of start ups don't make it this far, and my working in ways that seem to run counter to accepted wisdom for most of this time; I also never meant to become self-employed to begin!).

And with my impact report being a key tool through which I reflect on my business model, activities, and ways of working, it's 20th anniversary is also a timely point to do some serious navel gazing too.

Changing needs and pressures

As some will know, as well as being self-employed (one of the worst things you can apparently do for your mental and financial wellbeing based on various studies), I'm also an unpaid carer for several immediate family members (also one of the worst things you can do for your mental, physical, and financial health, based on other studies).

This means that over the last few years I've had to start to uncouple myself from communities and working practices I've helped to grow and support, to try and best re-mix the need to keep earning to cover the rent (as it increases each year) with honouring my caring responsibilities (which keep changing over time). I'm increasingly having to make hard choices about what I invest not only my time, but also energy, in as a person and business - and if I can't clearly identify that it has a good chance of making a return (income) in the next 3-6 months, then regrettably I'm having to step away for the time being.

This isn't a choice that I like, nor want to make - but I also know it's one that many others in similar circumstances to me are also being forced to make, based on my occasional efforts to speak out/up for the hundreds of thousands of unpaid carers who are also self employed.

Becoming less social?

But to come back to the focus of this post - I've decide to remove the considerations I used to include for how what i did across different social media channels, have been contributing to wider impacts amongst people who engaged with them.

This isn't because I've fallen out of love with social media - but rather that I've realised that when I started to create my profiles across it 15 years ago, and then built habits around these, none of what I've done there has ever related to my being awarded contracts or generating new leads. Which brings me back to my earlier point about having to increasingly cut back on things that aren't directly helping me to pay the rent or support family members.

I'm not quitting these spaces altogether; but I am deliberately stepping back from many of the habits I'd built up in how I use and participate in them. And as this means less social media activity, then it seems only right that my wider reporting reflect this by not continuing to include consideration for something I'm not being deliberate about?

I may be back, but am still here now.

As with everything I try out, I'll be returning to revisit the decision to try this experiment in next years' annual impact report - but for now, I can still be reached through all the usual channels.

But please go check out this years' latest impact report (which includes a dedicated section on what 20 years of impact looks like), and let me know what you make of it:

https://drive.google.com/file/d/1JcCFirEsoGTWA3CtdkICxValzJtiLpbK/view?usp=drive_link 

the worst of all worlds?

There's a pervading message that starting up your own business gives you more control of your life - you get to choose who you work with, when you work, etc. All of which helps reduce the stress of being at the beck and call of a boss (who you may not like).

But of course, there's a balancing cost to this control which isn't talked about as much: irregular income, no holiday/sick pay, no automatic pension contributions, etc (which means that various researches are starting to find that being an entrepreneur may not actually be that great for our mental health after all...).

Which means when it comes to working, there's a(n over-simplified) choice available to us:

1) work for someone else - which may limit our enjoyment, cause stress, but offers regular pay and time off;

or

2) work for ourselves - which gives us more freedom and choice, but means less security of income to pay the rent / buy food with, etc.

What I based my choice on (and the cost of this)

As I enter the 21st year of being in business for myself, I'm starting to wonder if I somehow haven't accidentally set myself up to 'enjoy' the worst of both of these options...

You see, my particular business model is based primarily on being an associate to other agencies and approved provider lists (I'm usually paid by other people for the work I do with client organisations). This means that while it may be easier for work to come to me, I have less choice in it, it may pay less, and it's usually structured so that I'm part of a managed team under a project manager/boss - just as if I were an employee (with all of the usual strains, pressures, and politics involved of such).

This model of working is based on my values of trying to be more accountable and transparent in how I work - but highlights that our values come at a cost: although there may be work coming in for me, and there are more checks and balances to check the quality of my work, it's often in a way that means I need to act as an employee would (with all the stresses of that) but without any of the benefits that being an employee would offer (no sick / holiday pay, etc).

Why I seem to be working in ways that make no sense

I can already hear some of you thinking "if you don't like it so much, then why not change the way you work?". Well, dear reader, that would mean I have to compromise on some of the values that define me. I'm therefore sharing this here not for sympathy, but to illustrate that in all of our choices, there's always a trade-off somewhere...

It's also shared in hopeful encouragement to others who are also thinking about their own respective business models / ways of working - it's up to us to work out how far we're willing to accept the trade offs of the choices we have. 

So while it may feel tougher than I'd like at times, running my business in a way that continues to buck conventional wisdom is my choice, and one that I regularly recommit to with eyes wide open. It's only me who has to sleep with my conscience at night: what I'm ok with in my business model won't be ok for you (and vice versa) - but shouldn't we all regularly pause to check that our business model isn't accidentally starting to make us become people we don't like?

NB - I always try and offer credit where its due: this particular post was inspired by Tom Jepson, and one of his 'subscriber only' YouTube lives.

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.

Tubthumping

In this, my business' 20th anniversary year, most people would usually be pausing to reflect on the highlights, achievements, legacy, etc of their work, and be making commitments about what they'll change/do in the next chapter. 

And yes, I'm doing this in various places throughout 2025, but I also wanted to pause to reflect on just how f*cking awesome my reaching this milestone is (and not just because only 10% of all businesses make it this far).

You see, I've endured my share of challenges since I first registered with HMRC at the start of 2005. I've alluded to some them in brief in various podcasts and interviews I've featured in over the years (which is possibly why I'm repeatedly asked to guest on the topic of resilience - most recently as part of the Freelance Thrive and Freelance Sucks podcasts). But I thought it was maybe time to 'go in record' with all of the big hits - not to encourage you to break out the tiny violins for me, but as hopeful solidarity and encouragement for anyone else out there, who may be struggling with similar, that you can come out of the other side of it (eventually):

• When I started freelancing/became self-employed, as well as having no savings to speak of, no clients, and no leads, I was sole financial supporter of my family for 12 years. During this time, I had to earn enough to cover all the household bills and costs, family expenses (clothes, trips, entertainments, etc), as well as my own business' needs. And I also had to financially support and cover some of the costs in my now ex-wife's business that she started up, for 7 of those years.
• As a family, we were made homeless by flooding twice, and I had to make up some of costs of rebuilding our home both times, as the insurance wouldn't cover everything - managing the rebuilding of your home, trying to encourage and support your family (which included young children) as they bounce around various temporary accommodations, whilst also keeping your own business running, were 3 plates that I'm not sure I always managed to balance as well as I should have. 
• I went through a divorce with my ex-wife that took a lot longer than my solicitor's experience said it should have - amongst other things connected with this, the process saw me disowned by my parents; lose my savings; and cede full ownership of the house I'd paid the full mortgage of. So at the age of 50, I started my life again with no house (other than the one I rent with my new wife); no savings; and no pension (many people who are self-employed of my generation have tended to buy their home as their pension fund).
• I've become the unpaid carer for 2 of my now adult children (likely lifelong), and another immediate family member (likely to be temporary) - and owing to how systems are designed (or not) for people like me, there's no support I'm able to access, nor am eligible to apply for, to support me in this role, nor them.
• My father has suffered through multiple sudden illnesses that technically should have killed him at least twice on each occasion, and he lives with my mum at the other end of the country to me - trying to keep all of the above progressing, whilst also taking time out to be with him and my mum as best I was able, meant that some of those plates I mentioned before probably weren't as balanced as well as they should have been.
• I've had several clinical procedures on one of my eyes to help me retain my sight in it (which also involved the wearing of eye patches, and not being able to read laptop or phone screens for several days at a time. But it did lead to an accidental discovery that I've always been missing part of my brain...).
• Following an unexpected ride in the back of an ambulance, I needed several years of treatments to help me resolve, and live with, skeletal issues (that were diagnosed just before my 40th birthday, and coincided with my celebrating my 10th year of being in business). As a result of these prolonged works on me, I'm able to move freely and without the need for painkillers on most days.
• I had surprise visit from police officers at 11pm one night, owing to unfounded allegations other people had made about me; and have had to break off client calls while working from home owing to neighbours (literally) kicking off at my family, on my doorstep. 
• The CIC Regulator opened a file on me once, because I openly questioned them about why they were knowingly allowing the CIC form to force social enterprises adopting it to compromise some of their core defining values that otherwise identified them as such.  
• There was a spell of about 5 years, when there was at least 1 client a year who was making official complaints about me (all of which were fully investigated by external bodies, and all of which fully exonerated me).
• I've been investigated by HMRC 3 times for suspected tax fraud (and fully cleared each time).
• Several people have written blogs attacking my professional reputation, standing, and credibility; and I've also been un-invited from speaking at conferences, after my book that challenges what everyone thinks they know and understand about imposter syndrome was published.
• My website has had to be taken down twice, owing to it becoming targeted in deliberate attacks by others.
• And I once had to write off a nearly £10,000 overdue invoice to a client that had accumulated over the course of a year - I was working with them on the basis that they were drawing funds from a grant making body to pay me, but they'd hit a temporary cash-flow hiccup as some Councils they were delivering contracts for were dragging their feet in paying them on time. I'd agreed they could use the cash that they'd received to pay me to temporarily plug this gap while I continued with the project, and then 'catch me up' with payments after said Councils cleared their overdue debts. Except those Councils never did pay up, and the enterprise went into administration.

And there's all the other typical challenge that most freelancers / sole traders contend with: ghosted by clients; late payment of invoices; tech explosions; falling ill; etc...

I've endured, navigated, and come through the other side (of the ones I was able to - some will remain with me for life), without access or recourse to sick pay, holiday pay, or any other employee assistance programme that I would otherwise been supported by were I salaried on a payroll. Being self-employed has meant I've had to find ways to deal with all of the above by myself, without help from anyone else.

I've written in the past about how I also find myself working in some vary 'dark places' with certain types of clients, (which I won't recant here, as they're usually to do with taboo subjects that most people find difficult to talk about, let alone ever want to actively acknowledge or think about). And as part of that blog post, how I deliberately try and bring some 'humour' to go some way to balance this (for both the people I work with who are living in/with those circumstances, as well as myself). 

But in light of the above, is it any wonder that my humour seems to sometimes border on the hysterical?

As Spider-Man once said in one of the many comics he's appeared in: when asked why he's always telling jokes despite the multiple traumas he's endured in his personal life: "It's because if I didn't laugh, I'd probably cry".

And the moral of the above (if there is one?) - however much you think things can't get any worse, the universe can always find a way of making it so... but if can hold your nerve and find ways to keep investing in your resilience, there's always a choice somewhere that can help you come out of the other side of it (and if you're lucky, in a way that doesn't include you having to lose any limbs/organs, or have things start to come to light when you next get a DBS check on yourself).

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 

being all things to all people - the realities of being self employed and an unpaid carer

This post was written at the start of carers week 2023 - and is based on conversations amongst freelancers and owners of small businesses at events hosted by Freelance Heroes and Atomicon23.

It is not intended to offer definitive, medical, or legal counsel or guidance - but reflect emergent themes and issues that may be of encouragement and support to others; and possibly also highlight future wider policy development needs. 

My name is Adrian, and I'm an unpaid carer for my adult step-child, as well as being a freelance business consultant.

In my head that makes me sound like I'm at an alcoholics anonymous meeting, but maybe it's not too dissimilar: people often struggle to feel comfortable in knowing how to best behave in the company of an alcoholic, and similarly with someone who's an unpaid carer (unless you're living it day to day, it can be hard to fully appreciate the realities of the identities and roles that you hold and manage as such).

But unlike my counterparts who are in salaried, direct employment, there are no legal recognitions for me as an unpaid carer in my (paid) work; and no data on how many other people like me there are - in preparing to host the roundtable discussions that this blog is based on, the Office of National Statistics, the Labour Force Survey, and ipse all revealed that there is no data about how many people who are self-employed/business owners are also unpaid carers. 

A rough-cut extrapolation of data I could find about unpaid carers in general, and different models of employment, might seem to suggest that roughly 10% of the self-employed are also unpaid carers (that's about half a million people!), and of those, less than 1 in 10 have access to any support for themselves in these roles - and as freelancers, we're more likely to be in poverty if we're an unpaid carer than if we were salaried.

Starting to initially explore these issues with groups of fellow freelancers, small business owners, and sole traders who are also unpaid carers like me, saw the following emerge and being shared:

 

Busting accepted wisdom about origin stories

It can be easy to assume that people who are unpaid carers chose to become self-employed to offer themselves more flexibility around their unpaid caring role - but what came out of the discussions, is that this wasn't always the case.

Often, people took on the mantle of an unpaid carer role after having been self-employed for many years, and as a result subsequently found they needed support with redeveloping how they worked in order to be able to maintain their earnings to continue to support themselves and their families (but this isn't offered/available to them).

Seeing it coming

In one of the roundtables, a person shared how they had joined the conversation to learn from others' experiences because they had recently recognised that in future years, they will need to be more actively involved in supporting the care of their parents. 

They were trying to be pro-active in managing the impact that becoming an unpaid carer would have on themselves, their family, and their business by better understanding the likely realities they will experience when they do. As a result, they hoped to be able to best plan to mitigate the impacts of this - and this roundtable had offered them the first opportunity to be able to do this in any meaningful way.

The need for a better handbook

Through sharing their experiences, people agreed that there was much about being an unpaid carer that they wish they had know sooner, but which no-one had told them (for example - the benefits of being able to be formally recognised and registered as a carer for a family member). 

While there is knowledge out there, it can be hard to navigate and identify ("you don't know what you need to know, so don't know what questions to ask").  People are frequently relying on friends and family for informal (emotional) support for themselves, but as encouraging as these people might be, they rarely know of practical and pre-existing systems and processes that unpaid carers can apply to, but often aren't told about.

The limiting of business growth and potential

A common recurring practicality about being an unpaid carer that was shared, was how it meant that the businesses we had created all had to be limited in terms of their potential to grow in order to honour our caring responsibilities - and with that, our ability to innovate and develop new services and offers in the marketplace.

Whilst this is obviously a personal decision that all unpaid carers find ways to eventually reconcile, this speaks to the impact of the need for unpaid care to our wider economy.

The cost to our personal futures

As well as the financial impact that being an unpaid carer creates through loss of earnings (which is not mitigated through carers allowance were it is able to be awarded), there was also concern about how little support there is for us to be able to access for ourselves in this role - one person shared how becoming an unpaid carer had led to them being diagnosed with mental ill health, and being subsequently needing to be prescribed anti-depressants.

The emotional stresses that unpaid care places on us therefore also affects the future we might have otherwise experienced for ourselves, through it is affecting our well-being today. 

The need for supportive clients

A tension was briefly explored around our relationships with our clients as small business owners - specifically, how far we're open with them about our identify and priorities as an unpaid carer, and how this tension can be managed in how we work with them. As freelancers, our clients come to us to solve problems quickly, responsively, and without adding to their own existing complexity, so revealing we may need to drop them at no notice because of a caring need, may understandably 'spook' them a little...

People shared how their clients were generally sympathetic and flexible in work agreed - but not every business that commissions us will be able to be such; which loops us back to the limiting on our business' potential that being an unpaid carer can entail.

Taking back control

Being self-employed often means we face a barrage of external stressors because of the ever-changing circumstances we all experience that are instigated by others (clients, government, etc) - and being an unpaid carer only exacerbates these through the additional unknowns of how the child, parent, or sibling we care for may respond on any given day to any given event, how reviews of their care or support plans may trigger new complications, and so on.

The roundtables therefore also tried to look at how we're approaching supporting ourselves, and in doing so, gain a little more control over our own lives:

- counselling support from the FSB was mentioned as one of their member benefits, that one person had made use of;

- one person shared how they had chosen to deliberately limit the earnings of their business to reduce the stress on having to work with multiple clients on different deadlines which would otherwise be constantly competing with the needs of their child, that they are the unpaid carer for;

- taking out a private health care plan to be able to arrange GP appointments, any procedures, etc at times that suited them, rather than playing the lottery of NHS scheduling and waiting lists, was shared by someone else;

- registering as a limited company, rather than remaining a sole trader, was shared as a way one person had approached reducing the stress they were feeling about the risks in their business alongside being an unpaid carer.

But these roundtables weren't all 'doom and gloom' as might start to be otherwise interpreted based on the above:

- there was also news about 'Cornerstone', a new emergent peer community for freelancers who are also unpaid carers being created;  

- gratitude was expressed for people having the opportunity to (briefly) share time with their peers, and be edified from hearing that what they were experiencing wasn't unique to them; 

- and people also valued how being an unpaid carer creates space for us to reflect on our own personal identities as human beings.

If you're an unpaid carer you may find the below sites of help (as well as links in the various parts of the blog above):

https://www.citizensadvice.org.uk/family/looking-after-people/carers-help-and-support/

https://www.gov.uk/browse/benefits/help-for-carers

https://www.carersuk.org/help-and-advice/

I'm also happy to offer to speak with any fellow small business owners, sole traders, and freelancers to swap stories that may be of mutual benefit - as well as with any sector or national bodies to further explore potential policy and initiatives that may address some of the themes and issues these roundtables identified:

- the impact to the economy of 500,000 businesses not being able to achieve their potential;

- the need for business disruption to be avoided when small business owners transition into unpaid care roles;

- how freelancers can be better supported to access support/avoid poverty when becoming unpaid carers.

UPDATE 3rd AUG 2023:

Published after these round tables, and blog was written up, JRF have undertaken some further research into this, and found that as unpaid carers who are also freelance/self-employed/small business owners, we pay a #CaringPenalty (suffer lost earnings) of nearly £10,000 every year!

- any wonder so many of us are finding ourselves being pushed into poverty?

https://www.jrf.org.uk/report/caring-penalty

How, as freelancers, we sabotage ourselves without realising it

Being self-employed/freelance is often presented as an aspirational lifestyle: with freedom from bosses, the ability to choose more of the work that makes us happy, greater flexibility to work when and how we prefer, and such like.

I'd written elsewhere about some of the downsides to this model of employment (no sick pay, precarious income, etc), but this time I wanted to explore a possible blind spot that many of us haven't thought about which means that we're likely going to trip ourselves up without realising it.

As freelancers and sole traders, we live and work in a bubble.

You may be aware of the risk of 'bubbles' from things you've read about social media: the algorithms show you more of what you like, and so it creates an echo chamber of your own exiting preferences and biases.

And in being self-employed/freelancing, that bubble can easily start to form without our realising it - unlike our salaried counterparts, we don't have any line management, regular appraisal, or desk buddies. These are the people and systems who might help otherwise highlight potential self-limiting beliefs or emergent prejudice within ourselves before they become a major problem.

In the absence of such 'relatively safe' professional challenge to our thinking, it becomes very easy and automatic to start to entrench bad habits and practices, missing opportunities, and not recognising options we otherwise might and should.

Fortunately, the way to mitigate this risk is actually quite easy - we should form and become part of groups that will allow us to share our stories of "is it just me...?", and equally have people who we can trust as our peers, constructively challenge us over our thinking, attitudes, and approaches.

Whilst this may sound like a 'nice to do', surely it's better to identify and 'air any dirty laundry' with friends in private, than publicly with our clients or HMRC, etc?

And the good news is that such places already freely exist - Freelance Heroes, Being Freelance, IAF meetups, etc are all good starting places to start to create ways to have sanity checks for yourself, and to start to create 'accountability buddies': people who can take the place of a missing line-manager in helping you make sure you're actually getting on with those things that you keep saying/meaning to, but somehow never seem to get done...