Anyone else just completely skint?

The insurance ain't worth the money on loans, get better life insurance as it will be cheaper, most have the T&C down so tight I'd be amazed if they paid out.
Oh and forget it if you're self employed.

I ran out of money this week and don't get paid until Thursday

[andrewsmith]

I'm not in the totally skint club, but up to June this year, if I've had £50 spare at the end of the month I was extremely lucky.

I live far below my means nowdays as most my moneys being put aside in a futile attempt to get a mortgage (its took two friends and their partners 3 years to just raise deposits and have both had to buy shacks)

[tonyk]

Originally Posted by specialone

I assure you mate, people in my game aren't putting silly quotes in, all my friends are quoting jobs a lot less than normal cos we/ they need the work.

It's ok getting bob from round the corner to do it cheaper but...

Bobs got no overheads,
He's not a pro,
He won't have any liability insurance,
He won't do the work to the quality of a professional.

It's a struggle to run a business atm, reduced rates aren't good for us, we have vans, tools to keep going, accountants fees and tax to find every 6 months.

I'm not moaning, I'm just getting on with it but please don't assume we are ripping people off or overcharging.

yea with all the overheads i understand.
maybe thats why they can say it will cost £10 per square foot.
and i'm only asking for them to paint it.
i'm not too smart but charging £10 per square foot to me IS taking the ****.
oh well maybe this year..

[Bibio]

Originally Posted by Winder

painting and tiling or hanging wallpaper. Then build the cheap ikea furniture

well done you are now a kitchen fitter

being serious though don't put yourself down as there are a loooot of people who can't do the above.

[timwilky]

Yup now skint as well, wife took my debit card to the travel agents. I now need to find a further £3000 by June.

[Dave20046]

You say you have a house, thought about taking a lodger? (if possible)

Originally Posted by timwilky

Yup now skint as well, wife took my debit card to the travel agents. I now need to find a further £3000 by June.

I'm sure the OP feels yer pain tim!

Originally Posted by tonyk

yea with all the overheads i understand.
maybe thats why they can say it will cost £10 per square foot.
and i'm only asking for them to paint it.
i'm not too smart but charging £10 per square foot to me IS taking the ****.
oh well maybe this year..

proper external paint is expensive, and it can take 2-3 days to paint a house,

most trades are between £120 - £140 a day plus materials etc, but when you work that back minus tax over heads etc etc its not a whole lot of wonga, its what they have to charge to make a living, people aren't in business for the fun of it, they are there to make money.

Originally Posted by 454697819

proper external paint is expensive, and it can take 2-3 days to paint a house,

most trades are between £120 - £140 a day plus materials etc, but when you work that back minus tax over heads etc etc its not a whole lot of wonga, its what they have to charge to make a living, people aren't in business for the fun of it, they are there to make money.

Yep, exactly my thoughts.

Originally Posted by Bibio

well done you are now a kitchen fitter

being serious though don't put yourself down as there are a loooot of people who can't do the above.

He ain't a kitchen fitter until he's got his part P and can go blowing MP's daughters up.