I contract, which means I get to work "as much as I want" over the longer term, but it still means full time working for extended periods. It's not a bad deal at all, but I'm starting to feel like I'd like something more stable. I am hard to please.
I did that for a while and had similar plusses and minuses, but the one thing I still can't wrap my head around is insurance. What did you do about that?
In the UK I think most of us buy a professional / public indemnity bundle from Hiscox, which costs a couple of hundred gbp or thereabouts. It's normally a contractual obligation.
Ah, well in the UK you have it much easier with the existence of the NHS, whether or not it covers all of your needs. As I'm sure you know, in the US if you don't have insurance, you don't really have much of anything--and due to the tax advantage setup to get insurance through one's employer, self-employed people get hit really hard with insurance.
