With the impending doom, I'm working on the assumption outside roles will be few and far between, at least for a year or two.
I'm therefore considering:-
- taking a few months out
- inside role at new client
- find an umbrella that does salary sacrifice into my pension (or I can do a transfer)
- ~£3,000 into pension every month to be as tax efficient as possible
- keep ltd open and top up salary with dividends as needed (trying to stay under 40% tax)
- try to negotiate a smaller accountancy fee
- see what the market looks like in 18-20months and then either MVL (if it exists!) and stay umbrella or go perm.....or if the market has recovered a bit, back to outside roles.
I came to the realisation when I was in a perm interview last week that I'm not mentally ready for those shackles , regardless of what it does to my income
