Self employed

Next time you call a self employed tradesman for a quote, and he gives you one, and you think…
Jesus. That’s expensive. Remember this.
He (or she) has given up probably a couple of hours of time, and used fuel to get to your house to give you a free quote . He’s trained for a few years to learn skills and honed those skills ever since. Gained experience he will be able to use to give you free advice.
Spent probably thousands of pounds of his money on tools to do his job. Paid for insurance so that if anything goes wrong your property is protected
He doesn’t get holiday pay.
He doesn’t get sick pay, he doesn’t get bonuses or a company pension.
He knows if you picked his card up from a building merchants, you picked three or four others up too, so he knows he has to be competitive.
He works hard to pay his bills and put food on his table.
He’s not trying to rip you off.
He’s trying to make a living.
Not a fortune.