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Advice from you lovely people!!
Comments
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            I'm self-employed myself, so I've been caught out several times with the difference between the money in my bank account and my actual net income. My feeling is that by writing down your DH's turnover rather than his net income, you are in danger of kidding yourself that there is more money available than there really is. What would you say was a realistic estimate of your net monthly income? And is he in control of his tax bill, or is there money outstanding?
 (And of course there is scope to make sure that he claims all possible expenses to make sure he pays no more tax than he has to - but I expect you have a book-keeper/accountant who is on top of all of that kind of thing?)0
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            Can I ask why consolidation is so bad ?
 So the answer to your next question is : Yes I have !!!
 RubixThere are 10 kinds of people in the world, those who understand binary, and those who don't.0
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