- A laptop
- A notepad and pen
- A mobile phone
- A digital recorder and batteries
- A business debit card
And that’s all I need. No stock, no staff, no premises, no real assets. Just a little bag of stuff.
Another question that people ask me about my business all the time is whether I’m going to employ more staff. Fair enough, this is a reasonable question to ask me and an obvious way that I might grow my business.
As I’ve mentioned before in 2012 I took a business degree at Napier University, and one of the subjects we studied was “business growth issues”. Amongst other things I wrote an assignment on how this related to my own business, so yet again I thought you might be interested to read what I had to say on the matter.
“We think this project may require a less formal approach than you described.”
The freelance research market is competitive, and as such I am regularly knocked back. For me this is one of the hardest parts of the job, because it is hard for me not to take it personally as I’m a sole trader and I am the Ruthless Research brand. Nothing to hide behind. I set out my stall and hope my application will be the best one, more so that I will be the client’s favourite. Like me! Like me! Pick me! More often than not they don’t pick me. Ouch.
So I thought I’d write a really concise guide in case it is of use to anyone else!
If you are self employed and live in England, Scotland or Wales you are entitled to claim Maternity Allowance from HMRC during your maternity leave, which is very similar to Statutory Maternity Pay. Here’s how it works:
- Once you are 26 weeks pregnant you can apply by submitting a Maternity Allowance form (MA1) which you need to print out, fill in and post.
- Maternity Allowance payments can start 11 weeks before your baby is due – you say when you want it to start i.e. when your maternity leave will commence.
- Maternity Allowance is paid into your bank account every 2 or 4 weeks as you prefer.
- Assuming your income has been more than approx. £8k per year you will be entitled to £139.58 per week (2015) in Maternity Allowance.
- You can claim Maternity Allowance for up to 39 weeks.
- You can work up to 10 Keeping In Touch (KIT) days whilst claiming Maternity Allowance in order to maintain contact with your business. If you work for more than 10 days you are required to stop claiming Maternity Allowance.
When I meet new people they often ask me how I came to be self-employed, and I think this is an interesting question. Usually they tell me I’m brave, which is nice. But my guess is that when people ask this they have a few ideas about what drives a person to become their own boss. I think they often expect that a self employed person is a bit of a work-a-holic control freak that needs to be in charge and can’t / won’t work with other people. Actually that’s not me. Read more…
The Health Visitor took out a picture of a jungle and asked me “Can you name any of the animals in this picture?”
I answered…. “yes”.
Cue silence, and a smirking mother.
My lovely Baby Ruthless is coming up to one year old. He is mischievous and friendly. He commando crawls. He loves books, and anything that swings or bounces. He is big for his age and has seven teeth.
I took about ten months off work to focus on him full time: a month before he was born and then a further nine months after.
But Ruthless Research is my baby too. Another baby that I love. I have grown it and nurtured it and given it a lot of TLC. I have placed it such that it can seize every opportunity that comes its way. I have allowed it to evolve according to its own strengths. It has developed a personality and ethics and values.