Self-employed and sick?

[slofox]

What do you do when you are self employed and you get sick?

I found out this week. You just go to work anyway, 'cause there are still bills to be paid this month and without trading no money comes in to pay 'em...

First time in four years in here that I have been seriously unwell. Nine hour days are reallllly long when you feel like crap.

And no bloody bike riding either,. just to cap it all off....:violin:

[Hitcher]

What do you do when you are self employed and you get sick?

Phone your boss and bullshit them, just like people on wages and salaries do.

[98tls]

Fwiw hope you come right soon eh,least the weathers crap,imagine getting crook when its beautiful.

[Motu]

Yep,you just keep on working.For 11 years I didn't take a holiday or sick leave,went to work in some bad states.It's just so damn hard being an employee.

[slofox]

Phone your boss and bullshit them, just like people on wages and salaries do.

I AM my boss...

[CookMySock]

lol I have been seriously ill and self employed for 4 years. No one gives a shit.

Steve

[Mom]

I AM my boss...

Yep, and it can suck sometimes for sure.

What do you do? You keep on going. You are in retail that makes it even worse. Keep on keeping on is all you can do. Got anyone you trust to work a few hours for you, so you can take a rest?

[StoneY]

Yep, and it can suck sometimes for sure.

What do you do? You keep on going. You are in retail that makes it even worse. Keep on keeping on is all you can do. Got anyone you trust to work a few hours for you, so you can take a rest?

I was self employed for over 8 years- simply bad financial management if you cant cover ya own sick days- or hire a cover contractor-

HTFU (and get some drugs lol)

Seriously tho dude hope you get better soon and GO LOOK INTO INCOME INSURANCE (its worth having)

[boomer]

It Sucks huh... what do you do when you cant keep on keeping on..??!

If you don't have insurance you're stuffed!

[hospitalfood]

i know exactly how you feel...........ACC is just not worth the hassle and bills have to be paid.

i just do the minimum when sick or seriously sore and explain to clients why.

hope you get well soon

[boomer]

i know exactly how you feel...........ACC is just not worth the hassle and bills have to be paid.

i just do the minimum when sick or seriously sore and explain to clients why.

hope you get well soon


ACC is for accidents only... <_<

[CookMySock]

It Sucks huh... what do you do when you cant keep on keeping on..??!You do what I do and get some staff and go into survival mode and hope for the best. I'm nearly right these days, so things will change with any luck. I'm fast realising I am wayyyy out of the game though.

Steve

[slofox]

I have a wine shop. GOOD relievers are hard to find - plenty who would empty the shop for you in one day if you let 'em...besides you have to PAY relievers and that spends the money that should pay the bills....

[ynot slow]

Also some of us mere mortals go to work and even when the boss says GO HOME,still stay and pass germs on to others lol.

[James Deuce]

Also some of us mere mortals go to work and even when the boss says GO HOME,still stay and pass germs on to others lol.
See, that pisses me off. I have a kid who ends up in hospital when he gets a cold. I know it's fashionable not to give a fuck about anyone else, but still.....

[Mom]

See, that pisses me off. I have a kid who ends up in hospital when he gets a cold. I know it's fashionable not to give a fuck about anyone else, but still.....

Employers that take a hard line on a father or a mother that has a really sick child need 10 bullets of their own shit, fired at them at dawn. Wankers!

[hospitalfood]

ACC is for accidents only... <_<

thanks, was not really sure about it.

i often have back issues which are definitely work related and easy to claim on, but it is just to much of a hassle to get any money from ACC because most of the time I cannot survive without payment for 6 weeks, which I understand is how long it takes to get money from ACC

[p.dath]

I used to do the same, go to work no matter what. I guess one day I just realised that was wrong.

I have work organised these days so I can take sick and holiday leave like everyone else.

If you work for yourself like that they you have "bought" yourself a job, not an investment in a busness.

[slofox]

I have an insurance policy that pays out big time if I end up in horsepiddle at all. Thought when I got the bike I ought to be prepared...not that I ever fall off of course...

[spookytooth]

ACC is for accidents only... <_<

No acc is a fund selfemployed pay into so others can collect :)

[Virago]

lol I have been seriously ill and self employed for 4 years. No one gives a shit.

Steve

It's good that someone is amused by the situation. I'm pleased for you.


What do you do when you are self employed and you get sick?

I found out this week. You just go to work anyway, 'cause there are still bills to be paid this month and without trading no money comes in to pay 'em...

First time in four years in here that I have been seriously unwell. Nine hour days are reallllly long when you feel like crap.

And no bloody bike riding either,. just to cap it all off....:violin:

I can sympathise with you - been there, done that. Had my own business for six years, the first year on my own, now employing four others.

The reality is though, if you can't afford (financially) to get sick - or just as importantly, take holidays - then you're not charging enough or budgeting well. It has to be part of your overhead structure. If you have employees, you have no choice except find the money for their sick leave / bereavement leave / annual leave. So why not yourself?

Like others have mentioned, I have insurance that will cover me for the serious stuff. It's tax deductable. Not had to use it yet - touch wood...

A more difficult problem to address is not being able to afford the time to be sick, due to contractual obligations. For small businesses, that's a bloody hard one to solve.

[johan]

There must be health insurance for this kind of scenario available?

[Gareth51]

Self empolyed don't get sick,at least that's what I've been telling myself for the last 38 yrs .

[tri boy]

I have a wine shop.


You sell booze, and you don't know the cure for ALL illness:shit:
Sigh. Best I give you the recipe:

Equal parts Brandy, Stones Green Ginger, Tawny Port, and an acid trip.
All illness/sickness disappears in a frenzy of flying pigs and hallucinations.
(unless it's bad acid, then you just hurl n hurl n hurl)

[wickle]

Self empolyed don't get sick,at least that's what I've been telling myself for the last 38 yrs .
been down that track,self employed retail sucks! was self employed, bascially cost me marriagres, (cos i worked too much), now work for fortnightly pay, get holiday pay, sick leave so much sick pay (that i can cliam too be sick when i don't feel like going to work)

[ynot slow]

See, that pisses me off. I have a kid who ends up in hospital when he gets a cold. I know it's fashionable not to give a fuck about anyone else, but still.....

My old boss was good though,just that I never took time off if sick(i.e minor cold or cough).Was ok when I really did need time off though,had something like 6 weeks from unused annual leave,and sick leave,then on sickness till I was able to continue work,so it went both ways re give and take.I had no problem getting time off for my kids when in hospital,and when mum had a heart attack on a Monday,rang my boss at 8.00pm,he asked if we were going up that night,I said no will go after work tommorrow,was politely told go in morning or now,as long as back on Thursday.

My first job as an apprentice(in rag trade)meant any day you had off required a medical certificate,due to women abusing the system.I got used to working if I had a cold,as did most of our department,but the mentality of anybody taking a day off was throwing a sickey also ensured those who should stay at home came to work,with a main workroom with about 75 women virus' would spread quick.

Worked with a guy who would take every 3 or 4th Monday off,the boss' even offered him $500 if he went 3 months without a Monday off.Some days he was sick,other times maybe hungover.He managed to lose his license dic so I would take him to work for 9 months,the company offered to pay for his work license on condition he would stay bonded for 18months-2 years,but he decided not to get license,joys of shortage of floor preperation guys in flooring industry,and he was bloody good too.

[slofox]

You sell booze, and you don't know the cure for ALL illness:shit:
Sigh. Best I give you the recipe:

Equal parts Brandy, Stones Green Ginger, Tawny Port, and an acid trip.
All illness/sickness disappears in a frenzy of flying pigs and hallucinations.
(unless it's bad acid, then you just hurl n hurl n hurl)

Not when you are a Primary Schlerozing Cholangitis patient.....

[The Stranger]

lol I have been seriously ill and self employed for 4 years. No one gives a shit.


For fuck sake. Now I've heard everything.
With child obesitiy being what it is did you really think anyone would give a shit?

[Quasievil]

I will put in some hours mate, no charge.

[paddy]

I AM my boss...

I think that was his point. (Unless I've interpreted a joke where there wasn't one.)

Seriously though - I did that for three years. I didn't take public holidays, annual leave, sick days. It wears you down. The trick is to manage those things out of your hourly rate (which I know is hard if you not getting much work)....

[boomer]

You do what I do and get some staff and go into survival mode and hope for the best. I'm nearly right these days, so things will change with any luck. I'm fast realising I am wayyyy out of the game though.

Steve

you cant sub contract what im doing unfortunately.


The reality is though, if you can't afford (financially) to get sick - or just as importantly, take holidays - then you're not charging enough or budgeting well.

you really think i failed to budget for the 2 years sickness i didn;t see coming: you tell me if you can survive for that long on your savings.... mine have all dried up now and ive sold everything.

Bad financial planning on my part huh.... :laugh:

its made me a grumpy wanker for sure

[boomer]

See, that pisses me off. I have a kid who ends up in hospital when he gets a cold. I know it's fashionable not to give a fuck about anyone else, but still.....

i came out of hospital, neutropenic for 2 weeks, my partners work colleagues knew this but one of 'em still turned up to work with Swine flue of all fkin things... you can bet i was a happy camper


unfortunately some people, myself included, dont think some times!

[Virago]

you really think i failed to budget for the 2 years sickness i didn;t see coming: you tell me if you can survive for that long on your savings.... mine have all dried up now and ive sold everything.

Bad financial planning on my part huh.... :laugh:

its made me a grumpy wanker for sure

A fair enough point. Appropriate insurance should cover you for the big stuff, but would be unlikely to cover you for 2+ years of illness.

Respect to you for fighting through it.

[James Deuce]

i came out of hospital, neutropenic for 2 weeks, my partners work colleagues knew this but one of 'em still turned up to work with Swine flue of all fkin things... you can bet i was a happy camper


unfortunately some people, myself included, dont think some times!

One of my kids runs close to neutropenic all the time. He's crook as a dog and I have Glandular Fever (because of being run down as well as the virus the following chap gave me) AGAIN thanks to a dude who was asked to go home on Monday, but stayed at work spray saliva and mucous everywhere.

I get stabby with people who turn up to work sick. I'll do their friggin job for them and work 16 hour days, if they'll just - stay - home.

[boomer]

One of my kids runs close to neutropenic all the time. He's crook as a dog and I have Glandular Fever (because of being run down as well as the virus the following chap gave me) AGAIN thanks to a dude who was asked to go home on Monday, but stayed at work spray saliva and mucous everywhere.

I get stabby with people who turn up to work sick. I'll do their friggin job for them and work 16 hour days, if they'll just - stay - home.


Fancy going postal with me..??! Pick a small town we can taker over and hold at siege !

[James Deuce]

Fancy going postal with me..??! Pick a small town we can taker over and hold at siege !

Fuck that's tempting. I'd probably fall asleep and then start sweating at some point though.

[boomer]

A fair enough point. Appropriate insurance should cover you for the big stuff, but would be unlikely to cover you for 2+ years of illness.

Respect to you for fighting through it.

Shit happens huh, just got to get on with it and plan where you can :yeah:

[Madness]

Mangakino's nice.

[James Deuce]

Dcthreee, dcfuckingthreee.

[boomer]

Mangakino's nice.

how long before the coppers turned up ya reckon?!


oh wait, is that where they make that piss water? Awesome idea batman !

[boomer]

Fuck that's tempting. I'd probably fall asleep and then start sweating at some point though.


Thats ok.. whats ya resilience like to tear gas and bad music?!

[Madness]

how long before the coppers turned up ya reckon?!


oh wait, is that where they make that piss water? Awesome idea batman !

Hah, you're thinking of Mangatainoka. Mangakino is full of inbreds, next to a hydro lake. It's loverly.

[boomer]

Hah, you're thinking of Mangatainoka. Mangakino is full of inbreds, next to a hydro lake. It's loverly.


your not selling it... would Prime TV get coverage down there?

[James Deuce]

Hah, you're thinking of Mangatainoka. Mangakino is full of inbreds, next to a hydro lake. It's loverly.

I want the DC3.

[Madness]

your not selling it... would Prime TV get coverage down there?
I don't think many of the locals have telly's. There's probably one in the only pub in town.


I want the DC3.
I'm not going to argue, I have a cold.

[ready4whatever]

I got redundant 6 weeks ago and now my foot has packed up and i cant walk for shit. It sucks

[slofox]

I will put in some hours mate, no charge.

You are truly a kind-hearted soul Quasi...how much stock do you think might be left at the end of the day..? :whistle:

[firefighter]

HTFU, iv'e had one sick day in 8 years.........and I work for someone else!

[Quasievil]

You are truly a kind-hearted soul Quasi...how much stock do you think might be left at the end of the day..? :whistle:

All of it, but will drink a few cups of tea tho

[ynot slow]

You are truly a kind-hearted soul Quasi...how much stock do you think might be left at the end of the day..? :whistle:

Could make stocktaking simple,after the good stuff consumed,you only have the rubbish left.



All of it, but will drink a few cups of tea tho

Getting ready to race this weekend,alcomohol free?

[slofox]

HTFU, iv'e had one sick day in 8 years.........and I work for someone else!

ONE sick day in 8 years? ONE??? You pussy!! How soft is that?

I've had NONE in 22 years...ever since I became self employed actually....funny that

[slofox]

All of it, but will drink a few cups of tea tho

All of it is not good...you gotta SELL it, Quasi, SELL it....


Back at work today as a walking talking sneezing wheezing SNOT BOMB!

Stay away if ya don't want GERMS..!

I prolly shoulda gone to the chemist and asked for some anitsnot pills but they mighta thought I ran a P lab...