MONTHLY VANLIFE COSTS - Travelling Full Time in TWO Campervans
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- čas přidán 12. 09. 2024
- Just how much does it cost every month to live & travel in a campervan or motorhome in the UK? We track our expenses over the past 3 months and bring you a full breakdown if how much we spend on Fuel, Food, Mobile phones and all the other regular costs, but we didn't stop there, we did this individually so we could work our what our individual costs are and then add those up and see how these costs compare to us living together in a motorohome.
We also give advice about cost cutting and getting the best deals to lower your costs too.
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Very informative guys..As you both say you can't put a price on getting out of the rat race and enjoying travelling and quality time together...Priceless ❤❤❤
We all need to prioritise being happy, what works for us might not work for others, but we should all strive to be happy ❤️
I love these type of videos, never get bored with them, love the detail you go into as well…
you two being happier is priceless
It certainly is ❤️
Love it! And a really interesting video as we’re all nosy buggers aren’t we 😂 I would have lost a bet there as I’d have sworn John would be more 🥴… Happiness is priceless so keep vanning together in two 🚐🚐🥳
Great you've found a pattern that works for you both and at a very reasonable cost. Clearly the 'Smiles per mile' metric is well in the green!!. Many thanks for a very informative video!!
Sorry to hear you are in a rollercoaster again 😢 From Holland we wish you all the best and a good and fast recovery!
Thanks for sharing. As you say John, there weren't things like loo roll, washing up liquid, salt, pepper, fundamentals, but that you don't buy every week. Worth looking at accounts to divi up the real costs, not as criticism, just it can be a shock, especially comparing with previous years. Helps you have learnt so many skills so you can DIY. Good call including everything rather than being inundated with comments... like I just did. 😂😊
If you watch the video you’ll see the shop we did wasn’t just multiplied by 4, it’s all very well explained in the video. You make it sound like we didn’t seriously work this all out, then try and make out you’re trying not to criticise us. I’m not one for criticising people, but you clearly need to learn manners and to pay attention.
I did both and was complimenting you both on your honesty, and the fact that you clearly pointed out, from the off, that this wasn't a be all and end all shop cost. Jeez, compliment you and you are so on the defensive you resort to rudeness. I'd politely, not rudely, suggest you need to read your subscribers comments and consider your attitude and manners. No doubt this will be removed but I'll remove myself first. Shame as I was one of your advocates when others in the vlogging community commented on your rudeness..
It’s not anywhere close to a compliment if you also have a go criticising and then making yourself look bad by saying we didn’t truly account for our spending.
As for being rude, that’s a misconception of the reality where a person is expressing their honest response to your comment.
We’re not here to be berated or criticise in error, we’re here to share our experiences and will strongly defend ourselves against anyone, especially your suggestion that “Worth looking at accounts to divi up real costs” seems like you think Mandy’s accountancy knowledge isn’t up to the job AND insinuating we hadn’t given real costs in our video.
We’re always open for constructive feedback & open discussions though, as you can clearly see from other comments here.
As a fellow Chocolate snob this was great info guys and very comprehensive list! Interesting to also see its cheaper than the motorhome. For many i'm sure and me included, the ability to travel and work while saving over the more traditional house based life is one of the major attractions. Be interesting to see the comparision between summer and winter living now your vans are built too. Im thinking ill have to say on a few sites in the winter to supliment the lower solar and to just get a break from the constant need to move on each day / every few days.
Very interesting. I'm wanting to do van life, but my husband isn't ready to leave the rat race.
Might have to do it alone.
Hi John and Mandy, I’m a recent convert to Aldi shopping, it’s so much cheaper. Unfortunately they sell Mars bars different names really cheap, I eat far too many. Yes loverly spot there, I’ve been your neighbour couple of days.
Hi neighbour 😁 what a lovely spot.
Great breakdown guys, particularly comparing it with the time you had the moho 👏 it will vary depending on how you like to journey, but always good for showing others what it can mean (especially those at the start of their journey). PS i spent an absolute fortune on my first roadtrip 😂 and hadnt gone that far 😂😂😂😂 always a learning experience 😅
Almost an impossible question guys. It depends so much on your own person choice on were you go what you eat and how much. 😊
Very interesting comparison, I’m like Mandy and would have thought it would be more expensive. It’s nice to treat yourself now and again too 😀 Like you say, your happiness is priceless
It really is!
Hey guys. A very informative post. Thank you for sharing this with us.. looking forward to more great adventures ahead with you both ❤❤
Mandy, I beg to differ, but BLUE ROLLS, are by far the most cost effective way of using “Kitchen Paper”
Ah.. I didn’t say cheaper as I’d totally agree with you on the blue roll - the kitchen roll I bought is literally the best, you use 1 sheet of that for 25 sheets of blue 😁🙌🏻
Having 2 vans is an excellent idea. Myself and my partner have separate houses. It works for us too 😊
I don’t think you are alone in this. As long as you are both happy nothing else matters. ❤❤❤
Very informative and nice to see both of you happy .
Make model engine and mpg comparison would be very interesting!
Keep up the vantastic videos.
Have fun.
Thankyou😊😊
The most we do is comment on the frequency we each fill up & what it costs. Otherwise we don’t keep detailed mpg stats etc.
Do you guys not do much veg ? My mum would tell me off for not having greens ❤
We spend well over double that on shopping and no fruit or veg 😂 it's great that you are so handy John as you are saving lots by servicing and repairing yours and Mandy's vans. A oil and filter change alone on our boxer costs £101.
Thanks guys. Nice insight into monthly costs. Something we're looking at as we, get closer to semi retirement and more travelling from October.
I stayed at the pilgrim fathers next to the haven, absolutely beautiful place, I didn't realise that Boston harbour was so busy with it being tidal 👍
Interesting 👍, we did a couple of 6 month stints, half the time campsites, Tour de Lidl etc and were about £1400 per month for the 2 of us. If you add in say van depreciation, big repairs you could get to £2000 per month. I need to sharpen up for this year's long stint or eat less greens 😉
Thank you for this information, it nice to hear how much it costs you both, thank you. 😊
Glad it was helpful!
Have you ever had to call RAC? I was with them for a few years but they got really bad at attending breakdowns. On one occasion they told my wife that she had had an accident, not a breakdown, when she hit a piece of debris in the road. They would not attend even though I had comprehensive breakdown cover. The police attended, put her spare wheel on for her and escorted her to a safe exit to make sure she was ok. I have other stories. Since switched to another breakdown company too.
I’ve used them for years and they’ve always been there for me whenever I’ve needed them, including helping me out when I had the adblue problems.
Hari OM
I am thinking of the basic van running costs as being the alternative to paying council tax for the sticks and bricks... so when I eventually sell The Hutch, The Grey will be no more costly than my already rather budget-friendly flat. Food is such a variable - and of course has gone up considerably since your last vid of two years ago. Great little insight to the averages there, peeps! YAM xx
From your #1 fan in NC, USA thank you both for sharing, for making this work, and it coming out 100 pounds cheaper is the icing on the cake!
Our pleasure 😁
You did miss tyres and some of the extra items in the service schedules, timing belts full brake fluid change etc.
That’s irregular maintenance.
@@johnmandy it’s actually part of the service schedule of most vehicles it just has longer intervals some for example, are brake fluid every 30000 miles/36 Months. Timing belt every 60000 miles etc. Part of the reason for cars breaking down is people just repeating the same service and not following the manufacturers schedule.
@@johnmandy replacing brake pads and tyres is irregular maintenance but I didn’t include the tyres in the service schedule. You should have a service guide for each van and at 10 years there would have been a lot that should have been done many of which should be done if you have no record that they were
Just to clarify, you watched a video about monthly costs. So I’m not about to talk about service items that happened every few years. If you follow the channel you’ll know I service the vans correctly.
Thank you for sharing that, really interesting stuff. Makes me want to travel more than ever!
You should!
@@johnmandy just in the process of playing Van Tetris at the moment, and decluttering my home so I can downsize. 😄😄
Just found your channel and this is my first watched video, just wondering why you have separate vans ?
Hi, this video should explain more
czcams.com/video/oivjODx1pSc/video.html
Very interesting thanks for taking the time to do this. You can’t put a price on happiness. Did you keep the factory space? I love it that you worked everything out because you make the perfect couple. ❤❤❤
Really enjoyed this video but then again I enjoy all your videos. Both of you look happy, contented and relaxed as Frank says You’re doing it your way so it’s nobody else’s beeswax, so there😂😂😉. Yesterday I spent £50 on fruit and veg for the three of us plus the dog which will last us around 10 days that’s not even including meat, think i definitely need more budget lessons. Thank you both and see you in the next one petals.
I am currently solo, not traveling yet, but I plan to get on the road as soon as I retire. However, if I happen to gain a traveling companion, he must have his own van. 🤷♀🤣
Super helpful video guys! Who do you guys use for insurance? Any recommendations?
John..why did you get rid of the motorhome..and get a van??...im interested to know..because..im looking to get a nice second hand motorhome...but i was surprised to see you now in a van
Definitely better than I thought 🎉
Great information, it got me to check mine as i'm full time and it was around the same as you.
Very interesting that it's a bit cheaper, and certainly no more expensive, than the motorhome. Good stuff guys, thank you 👍
Thanks for watching!
Having a van for your own is a good choice I think🎉
Very interesting and informative video. And it works for you. That is what is important.
No disrespect £140 a month on food who you kidding you would be a 34 inch waste so your telling me you spend £5 a day on food
No disrespect, I think I can prove you wrong 🤣😂
Aldi is cheaper food but as I once had a worm in the steak I dont buy meat from Aldi or Lidl!!! Mandy didn't mention recovery assistance RCA costs..? Hygiene? Clothes Personal all extras! Plus you hav e tech outlay? I suppose it's called In English :"running costs". week;y / monthly / annually. Here there are no road tax explicit costs ... I guess that is the TAXE FONCIERE? MY Kangoo insurance including recovery in Europe and UK was + 750 last year... and maintenance costs for bi annual MOT was £1000 because needed tyres and 4 new break pads... with heating fans etc ON I didn't always hear the beeep telling me the hand brake was not fully DOWN... but now I know it's horrid habit so I push it down harder to its bed... not just release it! Food ad Household here in January was 150 e for one pluseating from the freezer as I filled with offers ( lower priced foods ) before Christmas ! Diesel apx the same but can be more expensive pick the supermarket and dont fill on autoroutes!!!! Of course for the worst months aka 3k you probably budget for just in case.... just as home owners have to budget for utility repairs and home insurances etc... plus our vehicles.. You might have other costs like the place where you did the work on the vans or storage space to pay for?????? :)
VERY nice to hear.. as I wou;dnt like to be home less half way in my 70s although after seeing PAM the VAN she gave me the courage to start my idea and friends sourced a van but its a temp van for camping and I need someting better. Vehicles in France are certainly NOT inexpensive!!!!!!!! as there atre also government fees to transfer registration. number into the new ownership name!
Maintenance costs are explained, as are recovery costs for us both 👍🏻
Great video as always... thanks for the info guys, it seems I'm over spending! 😬🤭 love ya! 😘
Great draft hacks there John. I will be having some of them 😎
Great video especially as we are about to go full time. One thing id like to ask is have you got life insurance and are they ok with no fixed address?
Hi guys, if you were charged £58.60 for the MOT you must have got a class 7 goods vehicle MOT, your vans are no longer goods vehicles, and should now be tested as presented, which makes it class 4. 👍
The V5 says light goods vehicle and that’s what they’re tested against.
Hi, I'm just letting you know the MOT test class is a separate thing to the v5, the van is converted from a goods vehicle, it's now no longer a goods vehicle, so a goods vehicle MOT is incorrect for this vehicle, after conversion the test class should be changed by the tester on the next MOT to class 4.
You are not alone, plenty people in converted vans are driving around with a class 7 MOT instead of a class 4, but as a 20 year MOT tester myself and the owner of a converted van I speak from experience, just thought you would want to know what is actually correct.
Was just wondering if you are paying into a pension fund. I found this ‘ate’ a lot of income and was a big consideration. Now I am retired so glad I did it. Travel insurance though, now I am nearing 70 p, is getting a bit eye watering, despite ( luckily) having no medical conditions. We are not full time but do spend around 6 months of the year ( mostly Europe) in our MH and 2 months in Africa ( not MH).
Enjoy both of your Chanel’s - thanks for all the hard work you do on making interesting content.
We do pay into pensions & savings but that’s not running costs of living in a van so isn’t included here.
Very interesting and put across very well. Normally I would not bother to watch financial breakdowns but this was very good indeedie
Thank you 👍🏻
Interesting as ever. May be ok as a very much base line for someone but you had heaps missing... what about non engine maintenance and replacements (brakes, tyres, diesel heater parts etc), diesel for heating, clothing, phone contracts, gifts, Mandy's tat shops, cosmetics and toiletries, pubs, cafes, takeaways...
Coming up to the start of our 13th year and we log everything, even money given to charity collection.
One big saving is the flexplus account though. Travel insurers, europe wide breakdown cover, and phones cover (any vehicle you own or travel in) for £13 a month, although i had to pay top up for travel ins.
PS, great park up at Boston tbough
Nothing was missed out from what we spend every month, but if you watch the video we say several times that you could spend more and do more, that’s up to you and what you want to do. As for tyres and brakes that’s every other year at least, so it’d be ott to include that in regular monthly costs.
Goodmorning to you both you just passed me nr Kelham nr Newark.I didn’t realise it was you until I saw Mandys van playing tail end Charley.safe travels.👋
It's a lovely day for a drive eh!
Hi both, very interesting, the only thing missing was the depreciation of both vehicles, as houses in theory will go up? Travel safely and be happy.
Since when does depreciation have anything to do with what you spend every month 🤷🏼♂️🤯
I couldn’t survive on £25 food per week. Mine is £60 on average. Lots of fruit and veg in the mix. Greek Yogurt and a variety of nuts etc. And don’t forget the bottle of red to wash it down 👍😃
Nor could these two!
Thank you very much for the break down it was excellent, insurance is my next worry so thank you both good luck to you 👍👍👍🏴🇬🇧🇨🇦🦢
excellent as always guys - definitely enjoy the joint vlogs. Do you think you will both ever venture back over to Turkey etc?
Yes, once we tick a few other things off our list we’ll definitely go back to explore more of turkey.
That was decent! I spend waaaay more on food!
You two are just ace! Another great video ❤
Thank you so much!!
@@johnmandy 👍👍👍
That was really interesting, thank you for sharing. Take care.👋
Glad you enjoyed it 👍🏻
Hi, and thanks for your breakdown of your costs. I am intrigued regarding your van insurance however: you said in the video that you find your insurance through comparison sites but it is generally known that the only company that covers ‘full timers’ can’t be found on those sites. Are you not covered as full timers? I looked for premiums, spoke to lots of companies, told them I didn’t have a post code address, and got pushed to the one company, Comfort Insurance, and was quoted hugely more than you pay combined. How do you do it? Who do you use? Cheers👍
We travel 364 days a year and spend 2 days at our registered address and this is normal for all major insurers.
Very honest and i nteresting
What a very informative video thank you 😊
Glad it was helpful!
Did you forget having to buy 8 tyres every x amount of kms instead of 4, battery life, having to do two sets of brakes etc?
But the vans are lighter so tyres & brakes last longer, batteries last around 18 years, so you can see it’s all relative.
Hi , quite interestimg on vans. Your diets not the best but definitely is cheap. I spend more than you both together on food. Love the videos
That’s what makes life interesting, we all do things differently.
I need to come shopping with you two if your monthly shop is around £150 ! I live on my own and it is double that at least . Did you include snacks , cleaning products and personal care items ?
Yes, our monthly shop includes everything you’d go through each month.
Do you struggle to eat fruit and veg in the van?
No, we do eat more of that in the summer 👍🏻
Great vlog 👍 would be very interesting to hear your thoughts on what a tool kit for these vans should consists of. Any tips on essentials etc and anything you think would be good to have for servicing and basic repair emergencies based on your experience.
There’s a video on here all about the type of maintenance kit I carry around 👍🏻
@@johnmandy Oh nice 👍 I’ll search it out 🙂
I was surprised how expensive it was to insure my Ford Camper ( inclusive of European Insurance ) considering the years I have driving and without convictions!!!
However, even after the costs it’s definitely worth it for the Holidays and weekend trips.
It’s what’s acceptable for you budget & travels isn’t it 😎
@@johnmandy It is! However I was very naive of the start up costs. I just thought I would purchase a van, get it converted and then pretty much it would be cheap as chips😂
It isn’t just the insurances but all the accessories and upkeep of the van that they can very expensive… Fancy servicing my van John? 😆
Get to Portugal cheaper there uk is nothing but Rip off piss take on insurance food generally living lol 😅😅
Great video - thank you for the information- that works out to about $1000 Canadian dollars and seems very reasonable for the lifestyle that you have. Epic, as John would say😊
Lovely to see you travelling together but separately - being happy and content with your new lifestyle.
seems to be working very well for both of you. I have long been a believer in having personal time and together time - this ticks all the boxes. You both get some breathing space and you both get the opportunity to visit, family friends and some of these wonderful places together.
Happy trails. Stay safe
See you on the next one
All the best
Sherree - Ontario
Thank you. We follow a few vanlifers in Canada and it seems far more expensive over there for fuel & groceries.
It definitely is more expensive and opportunities for free camping or off grid camping are few and far between unless you are in northern Ontario and can take advantage of the crown land.
Diesel prices here roughly $1.80 cdn per litre
Haven’t started my van life and yet just waiting for my partner to retire at the end of July and then we’re off - been watching you guys for years - always entertaining and always kind
Take care
Thanks guy's
Have to kerp stoping and reading .just tell us costs as well as showing
Servicing £100 per van. Air, oil, pollen, diesel filters & oil.
I can't get them for that price at trade prices. I'd be interested to know where do you get them for that price?
EBay 👍🏻
Be safe stay safe and safe journeys
That’s good healthy diet John lol
Caveman diet with caveman cooking it 😂
Excellent informative video. Can I be nosey and ask what that handheld radio is in the background? Do you have a ham license, and are there plenty of other radio users to talk to?
We made a video all about the radios we use and who we talk to on them 👍🏻
Question: Hi John, where are you getting your insurance from please. I am 53, full no claims, never had an accident, clean licence and have been told if I want to live in the van with no fixed address it’s going to cost me £2000
Hi, we covered that in the video 👍🏻
@@johnmandy I will rewatch - sometimes my autism gets in the way and pixelates incoming data from the environment around me.
I'm with you the cost of £400 + was mentioned but not who with and if for full time lifting
Who would you say has the better van? Has the fiat got a more refined and punchy engine or is the other way around? I like the idea of a pre adblue fiat but im drawn to the Peugeot 😂
The fiat has a 2.3 & the Peugeot has a 2.0 so the fiat has more torque, which does make it quick but it’s also a smaller & lighter van than the Peugeot. In reality they’re almost identical to drive, needing to be in the same gears to pull up hills and accelerate at the same speed away from a standing start or to overtake on a motorway. Where it does differ is the fiat engine is more refined & quieter, however, the Peugeot achieves around 10 mpg more on fuel efficiency and it’s also a euro6 which allows free entry into the new city LEZ zones.
That's an excellent summary John. Thank you for taking the time to write that up, much appreciated! Andy
Really enjoying your channel ! ….. just discovered. A lot to catch up on🍺..
Speaking of wild camping😬, would you be able to aim us in the direction of a comprehensive source of park ups ? We’d like to avoid campgrounds as much as possible…totally. We’ll be in a van.
Thanks you guys for the vids.
There’s an app called Park4Night that’s useful to find parkups.
@@johnmandy excellent ! Thanks very much 👍.
Couple of questions if I may - do you use propane? is your van insurance based on full time living or just normal van insurance?
Our vans don’t have any gas and we are insured for full time travel 👍🏻
Thank you @@johnmandy
Who do you get health insurance from? We enjoy your info and commènts
We don’t have health insurance as that’s covered worldwide under our travel insurance, which we get from Big Cat Insurance as mentioned in the video.
QUESTION: (RE-watched) When insuring your vans did you have a fixed address (I don’t have one)?
Sorry if that’s personal information, I’m being thrust into vanlife due being priced out of my rental and am likely going to end up homeless the way things are going.
We have a registered address, check our other videos for more info on your questions.
@@johnmandy my questions are done. Thank you for your patience and time. I’ve watched very video you’ve made, and enjoyed them but my autism gets in the way of information retention and recall. This has been very helpful. Sadly I do not have access to a registered address , thanks anyway.
Hi john,mandy, when you converted your van , did you change your v5 documents to a camper van or just stayed the same has a panel van , i recently brought a van , not big enough for cooking or washing facilities, i had a rock & roll bed fitted with seat belts for passenger's, i also fitted 2 side windows , but i had to send fotos ov what i did to dvla to get my paperwork changed ,so know its a 6 seater , dont get me started on van insurance , what a faff has mine is not a camper , look forward to your next vlog 👍
We haven’t changed our V5 for many reasons, mainly it makes no difference legally or monetary as the insurers evaluate each claim on the state of the vehicle at the time of a claim and the law would see our vans as campervans not what the V5 says it is.
Great video guys and very informative. I'm just thinking that your Amazon Prime seems quite costly at £17.50 per month. Is that for both of your van's or just the one van?
Feel free to check yourself how much prime and unlimited music costs per month.
@@johnmandy Just realised that it includes unlimited music. I pay £8.99 per month for movies and free delivery. Sorry I misunderstood guys. Keep the videos coming.🥰
Hi J&M. Wonder do other people notice somehow CZcams unsubscribes people? I need to subscribe for the thirty or fifth time ?
It’s not something we get to see from our side, CZcams seems to be having all sorts of problems.
On the subject of insurance, do you both have personal insurance costs on top of all that, and does Mandy have to have self employment insurance too?
Not sure why we need personal insurance? Do you mean health insurance? If so then the travel insurance covers that even in the UK.
Business insurance comes off business costs which isn’t in the scope of this video.
Evening guys.....can I ask who you insure your vans with??
We cover that in the video 👍🏻
Hi John did you post a link where to get your tyre pump from? Thanks in advance and safe travels you two.
You can get it here amzn.to/3vU4f94 👍🏻
Thanks guys its going to come in very handy at some point@@johnmandy
Hi J&M, wat is that drill tyre gauge ure are using?. My Renault capture tyre valves keep leaking (despite having changed) and I need 2 blow tyres up every week. That looks the perfect blowerupper lol. Thanks, John.
The tyre inflator we have is this one amzn.to/42hRLnN
Ta, much appreciated. Happy travels.
Who do you insure with? I’m currently on a full time policy and it’s £1500 for the 2 of us which is a pretty hefty sum.
We mentioned that in the video 👍🏻
@@johnmandy Yeh sorry got yo that but after I’d typed the question although did wonder if you have a full time policy as that’s a massive difference in price ?
@@kerriwhite259Of course they haven't got full time insurance .
Has Mandy had to pay for ulez in her van on any trips ? Im trying to work it if it would be more cost effective to have a newer van or not.
I’ve managed to avoid all ULEZ zones so far as they generally are not places we visit. I have my Crit Air vignette for France that gives me the same access as Johns van does
@@unadventurousmandy thanks Mandy, that gives me something to think about when I get my camper this summer.
Great vlog I noticed your diet lacks fresh fruit and veg is their a reason for that??😊
Johns diet doesn’t include fruit & veg as he doesn’t like it, but Mandy does it that often.
People asking about fruit and veg 😂 it's simple John doesn't like it. I am the same, why eat something you don't like.
Wow,your food bill is very low.
I think I eat too much - I get double that 😂😂😂 I’m shamed!!!
Mandy, would you do the Fusions Tuna in a wok with noodles?
Yes, absolutely and if I can find a tin of Chinese stir fry veg I’ll chuck that in too 😁👍🏻
Are you a couple?two vans gets exspensuve on sited
Who pays for the star link or is that under the router coatings
We would split the cost if we both used it 👍🏻
Great video, thanks for sharing with us
Ooooooooo Boston 😍
What do you both do for work?
Mandy is a tax advisor / accountant and I (John) design websites & run a web hosting company.
Does your EE mobile phone sim give you unlimited eu Wi-Fi for up to 90 days?
It has no time limitation 👍🏻 we’ve been out of the UK for 9 months and we still had our unlimited services
Interesting insight into the costs involved. Must say that your fuel consumption is very good John. Happy days, just about doable on our pensions😊
Thanks for the quick reply. Can you please give us details of the EE sim you are using?
have to ask ! Fruit and veg? x
Mandy loves that stuff, John not so much 😂
👍
Jesus I do 20 quid a day think I need to cut trifles out lol😅
Informative.
- Are you paying your National Insurance Contributions, so you at least get a full State pension?
- Do you have life/Injury insurance?
- Do you have content & single expensive item insurance, encase burgled?
- Do you pay Tax on your CZcams income, plus other incomes and use an accountant, to keep legal?
These questions relate to the 7x P's, Prior Planning & Preparation Prevents Piss Poor Performance.
Do you ask all stranger these questions?
Of course we pay tax & NI, yes we have pensions too we’re all covered 👍🏻
Dude.. I’m an accountant - what do you think?