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I have been self employed painter and decorator for over a year now. I enjoy it, love it actualy, as I am an introvert and enjoy working for myself by myself and the hard work I do for clients.
Only problem is my finances are appalling.
I charge jobs as best I can but with advertising, my car, insurance etc I barely have any savings. Well depends how you look at it. I barely have any savings if I need money to spend but I have nearly 4k in a help to buy isa and £950 in a lifetime ISA.
I feel good about investing my money but when I see an empty savings account and the few hundred I see in my debit card at a time I can't help but feel pretty helpless.
It doesn't help that I am 28, still living with parents and would love to move out but know I can't afford to buy my own place and renting somewhere would only prevent me from saving to buy a home.
I wasted 4 years in university and my mum always puts me down saying I should get into teaching because my sis and cousins all love being teachers. But I have no experience with children at all, my people skills are so bad, my accent leaves no one taking me seriously and to be even qualified for teaching I would need to attend math night school for a year for qualifications, another year for teaching training then god only knows how long it would be before I'd ever find a job, if ever.
Sometimes i feel great about myself and know starting a business takes time and things get worse before they get better. But I feel time is running out and I am putting myself in a lifestyle that is only going to make me more helpless and unable to look after myself.
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