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Is anyone self-employed or wishes they were?
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Ulcerative Colitis
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klm1979
New Member
Joined : Jul 2009
Posts : 15
Posted 2/15/2016 4:21 AM (GMT 0)
I own a couple of businesses and was just sitting here working, thinking about
how grateful I am that I can work from home and don't have to worry about
going into work each morning. I remember how hard it was, before I had my diagnosis and worked an 8-5 job. I had to stop to go to the bathroom on the way to work many times and had to make several trips during the day. Anyway, I was just wondering how many other business owners are out there and if you don't own one, do you think it would improve your quality of life to do so? I would love to hear from others. (Don't worry, I am not trying to sell anything. I am just curious!)
DBwithUC
Veteran Member
Joined : Feb 2011
Posts : 4545
Posted 2/15/2016 4:43 AM (GMT 0)
I have been very grateful to work for large universities that had excellent medical coverage. I know some people don't.
klm1979
New Member
Joined : Jul 2009
Posts : 15
Posted 2/15/2016 5:06 AM (GMT 0)
Yes, that is definitely a perk! Insurance is always the biggest issue when making a decision about
employment, when it comes to chronic diseases. I am glad you are able to have great insurance!
DMC2011
Veteran Member
Joined : Jul 2011
Posts : 2512
Posted 2/15/2016 5:08 AM (GMT 0)
I cannot wait to retire in 4 years but I don't think it's because of UC. Just burned out. Will be really nice to have my own life!
klm1979
New Member
Joined : Jul 2009
Posts : 15
Posted 2/15/2016 5:28 AM (GMT 0)
That will be nice! Even though your reasons for looking forward to retirement aren't UC related, I am sure it will be nice to be at home when you want/need to be.
Kulinarykidz
Regular Member
Joined : Aug 2015
Posts : 480
Posted 2/15/2016 7:55 AM (GMT 0)
I'm self employed and honestly don't know how I would survive otherwise. I do hate leaving my employees to go it alone a lot but we've all adjusted well. There are times when I feel there is more pressure but I wouldn't change it for the world.
LiveStudioAudience
Regular Member
Joined : Jan 2012
Posts : 187
Posted 2/15/2016 1:21 PM (GMT 0)
I am so glad that I''m not self-employed. If I were, I'd probably be broke, because I'm inherently kind of lazy.
I am glad that I have a salaried job, at a large company that allows flexibility in start/stop times.
I like getting paid the same whether I have a non-productive day or a productive day at work.
I like being able to stop thinking about
work as soon as I leave it.
I like that there are other people who will keep the place rolling if I am out sick or at an appointment or taking a vacation.
I like the medical, dental, vision coverage, the vacation, sick leave, short & long term disability leave, and the 401k matches and the pension.
beatUC
Veteran Member
Joined : Mar 2010
Posts : 1539
Posted 2/15/2016 1:47 PM (GMT 0)
UC retired me early but I had to fight for my pension. It's been Godsend, theres no way I could continue working with UC.
MusicForLife
Regular Member
Joined : Nov 2014
Posts : 381
Posted 2/15/2016 2:37 PM (GMT 0)
I'm just curious, do you have insurance, klm?
I'd love to work from home. Get to work in my PJs! My sister has the option to work from home but she's nice and social and would miss the people. Me, I don't think I'd miss people too much, as I'm quieter.
iPoop
Forum Moderator
Joined : Aug 2012
Posts : 16483
Posted 2/15/2016 2:37 PM (GMT 0)
Freelance work pays better per project, but there's gaps between contracts, and finding your own health policy. I've considered it, but am adversed to too much risk/uncertainty.
I've been transitioning into more and more work-from-home, at the technology company that I work. To me, it seems like the best of both worlds, having the stability of a salary and a group insurance policy from a large company, yet the ability to work out of the home. Not possible for all, but software companies are pretty liberal with these sorts of things.
imagardener2
Veteran Member
Joined : Jan 2010
Posts : 5896
Posted 2/15/2016 3:02 PM (GMT 0)
I am retired from self-employment and happy that owning my business with a partner gave me flexibility to stay near a bathroom when UC was raging. Downside to self-employment was paying for health insurance but upside was I could never be fired haha.
Retirement came after 24 years because landlord presented a lease we couldn't sign due to terms in it and we were planning to semi-retire in 1-2 years.
Self-employment is not for everyone. It's very hard in early years, overworked, underpaid, stressful, insecure in all ways, but if you love what you do you don't even consider anything else.
If I had gotten UC at an earlier age my plans may have changed to getting a job with benefits and disability-friendly working conditions.
notsosicklygirl
Forum Moderator
Joined : Dec 2008
Posts : 17890
Posted 2/15/2016 5:02 PM (GMT 0)
I work from home but I am full-time so I get benefits and stable pay. I used to be self employed and I hated the unpredictability of paychecks. I also hated private insurance plans. With a group plan, the coverage is much better. Even the best "obamacare" plans are about
$500 a month, with 6000 out of pocket. With a group, it's like $200 a month with $3000 out of pocket. Of course, there can be more opportunity working for yourself, but it never worked out that way for me. I always ended up having lower income. I realized I would have to work WAY more hours to try to score the work, then I'd have to spend all that time doing the work... I would need 3 of me to make a fulltime salary. Now that i had surgery and I am doing so great, I have no doubt in my mind that I could do any fulltime job. The problem is that I really like this lifestyle. I don't want to get all wrapped up in office politics.
Uniform Charlie
Veteran Member
Joined : Jul 2015
Posts : 1104
Posted 2/16/2016 3:42 PM (GMT 0)
I wish you lots of success, klm. I work as a salaried employee in a stressful job. I tried my hand at "moonlighting" with a small contracting business on the side. I think entrepreneurship needs to be in your blood...it wasn't in mine. Once UC hit, I gave up the side business. I didn't find owning my own business to be all that much fun, especially on top of another full time job. Too much stress. I'm lucky that I can take time off from work without a lot of hastle
Most small business owners I know end up working 7 days a week and can never relax. Even on vacation, they are worrying about
their businesses. I'm sure the payoff comes when the business is established with systems in place and good employees, but the work it takes to get there comes with a price to quality of life that I was not willing to sacrifice. I give small business owners a lot of credit, it takes an incredible amount of work and ambition.
klm1979
New Member
Joined : Jul 2009
Posts : 15
Posted 2/16/2016 5:35 PM (GMT 0)
Thank you all for your input. We have owned one of our businesses since 2007 and began the other in 2012. My husband and I have both been completely self-employed for a couple of years. To answer your question, Skyflyerjen, yes we do have insurance. When my husband worked for a large corporation, I had insurance through his company. We now have a private insurance plan, which costs us around $1000 per month for the two of us and our daughter. It is pricey, but we make a lot more being self-employed, than we did working for others, so it works for us. I know it wouldn't work for everyone.
WorriedUCer
Regular Member
Joined : Jul 2014
Posts : 384
Posted 2/19/2016 6:56 AM (GMT 0)
Desperately wish I was but work in an
open-plan office instead! It's not too bad, the bathrooms aren't too busy, and if they are there's always a disabled toilet downstairs. That being said, it's hard keeping this illness secret from workmates, like they often want to go out for lunch, and sometimes I'm right in the middle of a flare and feel awful, but I have to go. If have "the conversation" but I just hate the awkwardness that follows
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