Last month I chanced upon a TV ad for Working Tax credits, quite randomly and not on purpose but it provoked me to check again and make sure I could be eligible for an award.
And I got one. This represents the first time I’ve seen fit to ask for further help in helping me keep my head above water financially while I trying to get my business off the ground. And it was a big call for me to do so.
When I started Jonnie Grieve Digital Media, I didn’t have much by way of a business startup support. I had 1 or too clients to get me started, but I had (by choice) no start up grants or loans. I have enough loans on my plate from my Student Loan. So I went into the deep end, on my own, determined, perhaps you might say arrogant, to do it all on my own. But perhaps this is a lesson for me. It’s okay to admit you need help.
And help is available.
I did the HMRC online questionnaire a month ago, and it told me, despite what I thought it told me last time, that I may actually be eligible for WTC. So I went through the gruelling process of applying. (You know what I mean if you’ve ever tried to phone HMRC)
On Thursday I received a letter telling me I can expect credits for the next year with regular payments either till they run out or to end of the year. To say it comes as a relief is an understatement.
What does this award mean to me?
It means for the foreseeable, I have a small but regular income.
It means I can put more fuel in my car.
It means I can cover the legalities of running the car
It means I put money INTO my savings account, rather than taking it out all the time.
It means Christmas is back on
It means I have a little (just a little) financial peace of mind in addition to the income I manage to bring in to my business and it’s a life saver.
This morning I completed my tax return for 12/13 which tallies with my WTC application. My income level and allowable business expenses have not changed. My receipts are absolute so my gross income is solid and I’m sure now that the details I gave are actually correct. I’m just happy that the HMRC saw fit to allow me this award as my figures are quite unique I’m sure compared to others in my position and I was never 100% they’d take me seriously. but hopefully for now at least this help might just make life a little easier for now at least.
So my advice if you’re shy in these things to be a little braver, know when you need help and just ask because you have little to lose and much to gain.
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