Afford as in survive, yes - I've always been incredibly keen to maintain a modest standard of life and keep outgoings low. Hence why I live in a semi detached in the Midlands have a mortgage <£500. Biggest issue is that the wife is now a full time mum - even with reasonable outgoings, covering 3 people isn't easy. But I'm confident I could get a permie job to do so.
Inside IR35/Brolly.....so long as I don't need to travel it should be fine. I've been able to push my rates up over the last 12-18 months without getting too comfy about it, so hopefully, that would soften the blow. Biggest issue is travel, but I'm actually now entering my fourth year of not needing to stay away which I never thought possible.
Naively perhaps, but my hope is that I can still skirt things. We'll see, I've got a pretty unique set of skills and a lot of ad-hoc experience so I dunno. Right now, in theory, I'm at a bank in an outside roll. I guess the real test will be what happens to that in April!
Inside IR35/Brolly.....so long as I don't need to travel it should be fine. I've been able to push my rates up over the last 12-18 months without getting too comfy about it, so hopefully, that would soften the blow. Biggest issue is travel, but I'm actually now entering my fourth year of not needing to stay away which I never thought possible.
Naively perhaps, but my hope is that I can still skirt things. We'll see, I've got a pretty unique set of skills and a lot of ad-hoc experience so I dunno. Right now, in theory, I'm at a bank in an outside roll. I guess the real test will be what happens to that in April!
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