How to Make Money Quickly – 40 Ways to Make Money Fast
Having a full-time job and a side hustle is on the rise in the UK. Recent statistics reveal that 1.1 million people in the UK are self-employed or have a second job in addition to their primary job. Basically, 25% of the UK population claim to have a side hustle.
Two-thirds of Brits with side hustles do it to earn money. Some do it due to a lack of job security in their full-time employment, while others want to become self-employed and run their own businesses. Regardless of the reason, you will always benefit from the extra money you make from your side hustle.
Looking for ways to make money quickly? here are 40 ways to make money quickly…
1. Online Surveys
Get paid cash for market research and online surveys. Completing online surveys is an easy way to make money. While you’re not likely to get rich, many online surveys offer perks such as gift cards, real cash and more. However, there are a lot of sites that scam people. Such sites are just looking for your personal and financial information.
The good news is, there are online survey sites that provide legit pay-outs. They include:
- Branded Surveys
- Opinion Outpost
- Populus Live
- Valued Opinions
- Survey Junkie
- Panel Base
- The Opinion Panel
- PrizeRebel and more
For completing surveys, you can bag between £1 to £30 or more. Some of the survey sites offer signup bonuses. To join a survey site, you must be 13 years or older. We recommend joining more than two survey sites. This will increase your earning potential. By completing the surveys, you help to shape the products and marketing strategies relevant to consumers.
2. Stock Trading
You can invest and trade hundreds of stocks from leading stock exchanges and markets worldwide. There are over 46 million people in the UK that use the internet. But just 280,000 are financial traders with experience in using trading platforms.
Before trading, answer the question – what kind of trader or investor am I?
When you open a brokerage account, the online broker will ask about your investment goals. You’ll also need to inform them how much risk you’re willing to take on.
We recommend using these trading platforms to trade:
They are multi-asset platforms. As such, you can trade securities such as stocks, CFDs, ETFs and even cryptocurrencies. Remember, stock trading involves risk. Instead of losing thousands of pounds, we recommend starting with £50 to £100
3. Become a Delivery Driver or Rider
If you’ve a smartphone, bicycle, car or motorbike, you can make money by delivering groceries and meals in your spare time. Deliveroo is one of the specialist delivery companies you can work for. They have over 50,000 drivers in the UK, and thousands more are applying to work for the company every week. As a delivery driver, you’ll earn as little as £2 per hour.
UberEats is another specialist delivery company with a 90% reach in the UK. Delivery drivers earn between £7 to £15 per hour in the UK.
You can also deliver for Just Eat. As a leading global online food delivery service, they connect restaurants and customers in more than 23 countries. You can earn between £6 to £30 delivering for Just Eat.
4. Start Your Own Website
Start your website and make money even while you sleep. Having a website is one of the best ways to make money and earn a passive income. For less than the cost of a coffee every month, you can have a live website and a domain name in 20 minutes.
You can choose to build your sites with website builders such as Wix and Squarespace. Or you can choose to build your website using WordPress. For a simple WordPress website, expect to pay around £75. For large complex websites, prices will be up to £10,000 and beyond.
To make money with your new website, you can:
- Publish sponsored posts
- Review products
- Sell physical products
- Sell digital products
- Publish premium articles and much more
Before you know it, your simple website will grow to be a full-sized enterprise.
5. Matched Betting
Matched betting is a technique where you make money from free deals and bets offered by online bookmakers. Unlike traditional bets where you rely on luck, matched betting allows you to place two bets which you win no matter the outcome. It works by using a “bay and lay betting” tactic, turning your free betting credit into real cash.
Lots of online bookmakers usually give away free bets to encourage users to sign up for their site. The best matched betting sites include:
- Profit Accumulator
- Profit Squad
- Profit Maximiser
Matched betting is completely legal, tax-free and risk-free, but you must be over 18 in the UK to participate. You can make as much as £100 or more while sitting at home.
6. Write and Publish an Ebook
More than 200,000 authors write, publish and sell eBooks on Amazon, where they earn more than £5,000 a year. Remember The Martian starring Matt Damon. The blockbuster film started as a self-published eBook. The author was Andy Weir, and he sold the novel as an Amazon Kindle book for 99 cents. Thanks to its success, Hollywood took notice.
With the Kindle store, you can write, and self publish your eBook. The Kindle app is available for smartphones, iPads, Kindles and laptops. You can list your eBook on Amazon for 99p to £7.99 and up. You’ve the option of altering your price to test different strategies.
- Ensure your eBook creates value.
- Write non-fiction, research and present it in an easy to digest format. If you’ve extra cash, invest in marketing to increase your eBook’s chances of success.
- Don’t forget to design a great cover.
This helps your eBook stand out.
7. Get Paid to Complete Online Tasks
Get paid sites are similar to online surveys, but instead of answering questions, you complete different tasks. For example, take Swagbucks, a popular get paid to do stuff site. As a rewards and loyalty service, Swagbucks puts money back in your wallet, and all you’ve to do is:
- Shop online
- Watch videos
- Discover offers
- Search the web
- Play games and more
Another site is Inbox Pounds. They reward you for searching the web, watching videos and more. The site has over 2 million members, and they pay you £1 as a signup bonus. Besides cash, they pay with gift cards and vouchers.
8. Get Paid to Search the Web
Besides get paid sites, some will pay you to search the web. A good example is Qmee. Earn cash when you search on your favourite site with the Qmee browser app. Simply download the app and start searching online. When you click on a result that interests you, Qmee rewards you.
Earn money with Qmee specially chosen offers. Whether you’re switching your internet provider, enjoying a weekly meal plan or buying a new phone, you’ll get a free cash reward. Qmee has no minimum cashout amount. As such, you can withdraw your earnings at any time.
9. Test Apps and Websites for Cash
Make money online in your spare time by sharing your opinion and perspective with global brands. Often, you’ll answer a few specific questions to guide your review. But you must give your detailed and honest opinion about the app and website.
One of the most popular sites where you can test apps and websites is UserTesting. For around 15 minutes of testing apps and websites, you can make £5 or more.
- To join UserTesting:
- Submit your email and take a quick practice test.
- Once you join the site, answer screening questions to match with test opportunities.
- Share your opinion and help brands improve their products and services.
Other sites that will pay you to test apps and websites are:
The Analysia usability tester program is currently closed. But keep checking the site if you’re interested in becoming a user tester.
10. Make Money From the Disney Vault
The Disney Vault is a term used by Disney to describe the practice of restricting the supply of specific home release classics. Since the birth of home entertainment, Disney has been releasing only some copies then waiting a decade to re-release the film again. For example, Disney first released Snow White in 1937, then 1944.
Before re-releasing a film, Disney usually locks away the first releases in a vault. They’ve extended this practice to other films such as Beauty and the Beast and The Lion King. Both of these movies got 3D releases. You can make money by purchasing the classics at a normal retail price and make a nice profit a decade later.
For example, let’s assume you buy the Sleeping Beauty Platinum Edition Blu-ray or the Lion King trilogy for £30-£50. You can sell them for up to two or three times their normal retail price 8 to 10 years from now.
There is some risk. If you’ve Disney classics in VHS and DVD copies, and Disney announces Blu-ray re-releases, their value would go down. But things could get better once Disney rolls out Disney Plus in the UK. For good returns, we recommend Diamond and Platinum Editions.
11. Fiverr Gigs
Fiverr is one of the best online platforms to make extra cash, part-time and full time. As an online community, the platform allows you to share your skills and talents with brands globally. There are different types of gigs you can apply for on Fiverr. They include:
- Virtual Assistant
- Proofreading and editing
- Logo designing
- Digital Marketing
- Article Writing
- Web developer
- Mobile app developer and more
You’ve the flexibility of working from home or even on the go, and you don’t have to worry about missing your classes or your office. Just choose the time as per your availability and start making money. Before selecting a gig, make sure your skills match the requirements.
To earn more money, you can apply for different gigs. For example, if you’re a skilled digital marketer, apply for other gigs such as:
- Writing reviews
- Social media marketing
- Product description writing and more
- Join Fiverr and start making money!
12. Claim Tax Back
You could get a tax refund if you’ve paid too much income tax. You can also claim tax back if you overpaid for the following:
- Pension payments
- A redundancy payment
- Foreign income
- A Self Assessment tax return
- Work clothing or fuel cost for your job
If you receive a salary and pay tax through the Pay As You Earn system, you may overpay your tax. Often, this is because you have not used all your personal allowance. The HMRC usually reconciles your tax refund at the end of a tax year. If they work out that you overpaid your tax, they will send a P800 tax calculation letter. In the letter, you’ll find the steps to claim a tax refund.
If you claim your tax refund online, you’ll receive the money within 5 working days. If you do not claim within 21 days, the HMRC will send you a cheque. The cheque will arrive 6 weeks from the date on your P800 letter.
13. Affiliate Marketing
Affiliate marketing is a performance-based form of marketing where companies compensate affiliates. They receive a commission fee for generating traffic for the company’s products and services. Affiliates promote products and services on their:
- Social media pages
- YouTube channel
Each time a person purchases via the affiliate’s unique link, he gets paid a commission. As a beginner, you can make up to £100, but as you start promoting high-value products, your earning could be £1,000 or more per month. To succeed as an affiliate marketer:
- Create solid content
- Know your products
- Engage your visitors
- Focus on one niche
- Track your success
- Test your strategies and improve them
14. Sell Your Study Guides and Class Notes
Looking for an automatic stream of income as you study? Get paid by selling your study guides and revision notes. You can sell your class notes and study guides on Stuvia in a split second.
For each document you sell, Stuvia will add the money to your account. To get started, head to Stuvia.com, create a seller’s account in less than a minute, start uploading your documents, set the price and get paid. Per document, you can earn up to £5.25.
Another site where you can sell your class notes is Notesale. Like Stuvia, all you need to do is create your seller account, upload your study notes, set a price and wait for the cash to roll into your account. Notesale handles the sales side, thus taking the hassle of matching the buyers and sellers.
Besides Stuvia and Notesale, you also have Nexus Notes. It’s free to open an account and upload your documents, but the sites charge a fee for marketing your class notes.
15. Mobile Phone Recycling
In the UK, most people replace or upgrade their smartphones and tablets roughly every 2 years. The average human life expectancy (UK) is 81 years. As such, each person in the UK will own 30 to 40 phones in their lifetime.
The good news is, you can make money and help the environment. All you need to do is recycle your old mobile phones and tablets.
One of the best platforms to recycle your old mobile phones in the UK is Compare and Recycle. Founded in 2010, the company recycles old phones and other electronics. To recycle your old phones, head to the Compare and Recycle site, find your device, choose an offer and pick which recycler to sell to. Send your phone by post to your chosen recycler and get paid.
16. Sell Second-Hand Textbooks
Selling second-hand textbooks is a hassle-free and straightforward way to make money. All you need to do is buy the textbooks from your fellow students at the end of the year, then sell them online and get paid. You need to do so quickly as they get outdated quickly.
It’s estimated that the average student spends £100 per semester on textbooks. To make money selling second-hand textbooks:
- Head to WeBuyBooks site.
- Search for the book’s ISBN and click “Get Value.” You’ll receive an instant quote.
- If you accept the quote, pick a payment method, box the second-hand textbooks and post with WeBuyBooks designated courier.
17. Part-Time Job
A part-time job is a great idea to make extra cash. Opted by students and even full-time employees, part-time opportunities provide a steady flow of income. With skills and experience, you can make hundreds of pounds an hour each day. What part-time jobs pay well in the UK?
- Lecturer – £27.50
- Research Assistant – £13.46
- Maths Teacher – £17.97
- Tutor – £11.96
- Coach – £10.49
- Driver – £11
- English Teacher – £9.97
- Teaching Assistant – £9.96
- Network Technician – £9.01
The salaries above are per hour. For part-time jobs such as brand ambassador and teaching assistant, no formal qualification needed. But you need to have a general understanding of marketing (brand ambassador) and a good grasp of English and Maths (teaching assistant).
For part-time jobs, check Reed.co.uk, studentjob.co.uk, and Indeed. We also recommend checking the local classifieds for vacancies.
18. Join Clickworker
Earn money easily on your smartphone at home with Clickworker. As an online community, Clickworker is always looking for skilled people worldwide to participate in:
- Categorise data
- Correct texts and more
As a Clickworker, you’re an independent contractor providing services on your schedule. All tasks are usually coordinated and supervised with Clickworker’s technology. To get started, sign up at Clickworker, fill out your user profile, and complete a few assessments. Clickworker pays weekly or monthly via PayPal. You can earn around £3 to £10 an hour.
Remember, good quality work gives you access to better-paying projects.
19. Get Paid to Review Music
If you love listening to music, companies are willing to pay you in exchange for a meaningful review. A good example is Slicethepie, a British company with a global reach. Slicethepie provides on-demand feedback to major US record labels and independent artists.
To review music, listen for at least 90 seconds of the track before writing your review. In your review, you need a minimum of 45 seconds but the more in-depth your review, the better. Next, rate the track, fill in a checklist and submit your review.
The site has over 2 million reviewers, and they only pay real money via PayPal. Slicethepie usually pays depending on your star rating, which depends on your quality review. For every 30 tracks you review, your rating goes up one star and for every standard review, you earn 1p and 9p for every bonus review.
20. Get Cashback
Earn cash back and save money when shopping with a selected retailer. Cashback sites usually receive a commission from retailers. This is an incentive for directing customers to the online retailer store.
In return, cashback sites give the customers a portion of the commission. In the UK, most cashback sites usually give up to 105% of what merchants pay. The extra 1% to 5% comes from advertising and other services.
Topcashback is one of the highest paying cashback sites in the UK. The site has more than 20 million members and 5,000 online retailers. As a member, you can earn an average of £345 cashback per year. Topcashback pays directly to your bank account, PayPal or gift cards.
Another cashback site where you can earn hundreds of pounds is Quidco. The site has 10 million members and 4,500 brands in the UK. On average, you can earn £300 per year and cash out to PayPal, your bank account or gift cards.
21. Become a Dog Walker
If you love dogs, you can start a dog walking business. You do not need any formal training or qualification. But since dogs are a handful, it’s essential that you understand their behaviour.
It would be best if you also learned animal first aid and care. Strong communication skills are essential. This is useful for growing your network and when dealing with dog owners. Being physically fit is an added advantage since dogs are strong, and the walks could be long.
To start your dog walking business, write a business plan, and get a criminal record check. Apply for a Criminal Record check through NarpsUK. It costs £65. Don’t forget about business insurance, self-assessment tax, transport and marketing your business.
22. Mystery Shopper
Companies are willing to pay you to visit stores and restaurants then provide your opinion on their performance. They do so to ensure that their operations are running smoothly. As a mystery shopper, you’re not connected directly to the company’s operations. That is where you enter the picture.
To become a mystery shopper, you need to apply to the sourcing agencies. Such agencies include:
These agencies will require you to pass some basic tests. Once accepted, you can start taking mystery shopping assignments and make money. In the UK, mystery shoppers earn £9.07 per hour.
23. Create Online Courses
Recently, online courses have become popular. Experts project that the e-learning market will reach £300 billion by 2025. More and more people are not only signing up for these courses. But they are creating new courses.
You too, can create an online course and sell it. For example, you can create AI programming courses where people can learn to create applications that include:
- Expert systems
- Machine vision
- Speech recognition
Web design, software and mobile app development are other courses you can create and sell on Udemy.
Udemy is an online learning marketplace with over 155,000 courses. You can create courses such as marketing, programming, data science and more. As a private tutor, you’ll make between £1,000 to £3,000 per month.
24. Buy and Sell Domain Names
Buying and selling domain names is lucrative, and you can make a fortune, but only if you know domain trading. You don’t even need a website to start buying and selling domains. Domains cost as little as £1 to register. However, premium domain names can fetch more than £1,000, if not millions.
In the UK, a British billionaire paid £600,000 for “gold.co.uk.” This is the most expensive domain name ever sold in the UK publicly. To be successful in domain trading, find top-level domains such as .com or .co.UK. Avoid domains that contain unusual words and have multiple parts. These are likely to fetch very low prices.
To know the value of a domain, use online tools such as Namebio. The site will show the sales price of similar domains. This gives you an idea of what you can charge for your domain. Once you find domain names with a commercial value, snap them up and list them on Sedo.
25. Sell Your Photos
Sell your pictures online and get paid. It’s free and easy. There are several sites where you can sell your photos online. They include:
You can also sell your photos on your website. By doing so, you can set your prices, have 100% control over how to display your pictures and set your terms and conditions.
If using a WordPress site, download the Envira Gallery plug-in. This allows you to showcase your photos with beautiful, customisable lightboxes. As such, you can stand out from your competitors. On average, you can make anywhere from £15–£360.
26. Be an Extra in TV or Film
Each day, agencies look for extras in the UK for films, TV shows, print and more. To become an extra, no acting experience required. But if you’re, working as an extra or supporting artist on film sets and TV shows will increase your experience and bring in a few quid. On average, extras earn about £100 a day.
But after agency fees and tax, you’re left with half that amount. To become an extra, register with a reputable casting agency such as:
Make sure that you fill the application form thoroughly, especially the special skills section. For example, an extra with hairdressing skills is perfect for a scene set in a salon. If you’ve police or army experience, casting agencies are looking for you.
27. Earn Cash From Your Parking Space
Many people in the UK are earning more than £3,500 per year by renting out their car parking spaces. Per month, you could net up to £200, especially if living in big cities close to the airport or train station. City centres are covetable spaces too, and you can make serious cash.
Nearly all P2P and big parking sites are free to list. You can list your car parking space on JustPark. Listing is free but they do charge a commission once you rent out your parking space. JustPark has apps for Android and iOs devices to help drivers find parking.
Other sites where you can list your parking space for free include:
Remember, renting your parking space is not all smooth sailing. There are issues such as insurance, mortgage and income tax to be aware of.
28. Sell Your Old DVDs and Blu-Rays
Sell your old DVDs and Blu-rays online and earn 10p to £30. Before selling your DVDs and Blu-rays, you can rip the movies and songs onto your external hard drive. What you’ll be selling is the artwork. If you’ve a large valuable collection of films and games, your earnings can really add up.
MusicMagpie is an online marketplace where you can sell your old DVDs and Blu-ray discs. To start selling, head to the MusicMagpie website, enter a barcode without dashes and spaces. The site will give you an instant quote. If the quote is acceptable, put your stuff in a box and send it to MusicMagpie for free. After receiving your stuff, MusicMagpie will send cash to your account.
29. Enter Competitions
Enter free competitions in the UK and win prizes, holidays, cash and rewards daily. To find genuine competitions, check ThePrizeFinder. As the biggest free competitions site in the UK, they list thousands of competitions each day.
You can find competitions where you win £500 towards your electricity and gas bill, win £1,000 cash or £1,000 to spend at ASDA. It’s free to join ThePrizeFinder and takes less than a minute. The site sends emails on Wednesdays and Fridays, but you can unsubscribe anytime.
LatestDeals is another site where you find free UK competitions. It’s free to join, and you can win thousands of prizes and rewards.
Babysitting is an excellent way to make extra income and top up your earnings. It’s flexible and fits around other commitments. As a babysitter, parents are entrusting their kids with you. As such, you must have the skills, knowledge and confidence to know what to do, especially in emergencies.
Before starting as a babysitter, you need a Disclosure and Barring Service certificate. It’s also sensible to have public liability insurance. This covers you in the unlikely event of an accident or injury as you babysit. While you’re not required to have formal qualifications, you can obtain a babysitting certificate. These entry-level certificates are equivalent to Level 1 or 2. Professional babysitters have Level 3.
31. Rent Out Your Home for Photography and Filming
If you’ve a posh house, you can rent it out for filming and photoshoots. To hire out your home or apartments, register with a location agency such as UK Locations. It only takes three steps to register your property, and you can start earning income.
All you need to do is take ten shots of your property in the best possible light, fill out your details and upload the pictures. You’ll receive a call from one of the UK Location members to chat through your location. You can also register your property with ShootFactory.
32. Become a Peer to Peer Lender
Peer to peer lending is a type of financing where people loan money to other people or businesses through online platforms. It works by matching borrowers with lenders willing to lend money. It’s free to join, and you can start lending as little as £50. As a peer to peer lender, you can make up to 5% returns over 1 to 5 years.
One of the most popular peer to peer lending platforms in the UK is Zopa. Launched in 2005, the platform has helped hundreds of thousands build their businesses. As a peer to peer lender on Zopa, projected returns between 2% to 5.3%. For best results, invest your funds for 3+ years. The Financial Conduct Authority fully regulates Zopa.
33. Freelance Work
Still searching for the perfect job? Why not try freelancing. As a freelancer, you can write articles, develop software, proofread, design logos, promote products and more. Freelancers can work from the comfort of their homes or while travelling the world.
To get freelance work, check out these sites:
- People per Hour
To succeed as a freelancer, define your goals and target clients. Create a portfolio to showcase your experience and skills, then package them into a service offering. As a freelancer, you pay income tax after deducting allowable business expenses. You need to file a self-assessment tax return every year, and then the HMRC will send you a bill.
34. Work as a Charity Fundraiser
A charity fundraiser gathers monetary donations and other gifts for charity organisations. They also motivate supporters to maximise the amount of funds raised. As a charity fundraiser, you’ll research and develop fundraising opportunities, including detailed campaigns.
For your efforts, organisations will pay you a commission which starts from £20. If working for an organisation, your starting salary is anywhere between £15,000 and £22,000. As you gain experience and rise to a more senior position, you could start earning £25,000 to £40,000 or more. To succeed, you must have the following skills:
- Good organisation
- Sales and negotiation
- Creative thinking
- Project management
- Social media skills
35. Work as a Life Model
Pose for life drawing classes and get paid. As a life model, you can earn £10 an hour or more. To become a life model, all you need is to get your name out there. Several agencies are looking for life models.
Art Nude UK is a life modelling directory for people working as life models. As a personalised life modelling promotion tool, they can help make connections and contacts.
Another site you should check out is RAM. Employers such as film production companies and medical schools rely on RAM for life models.
36. Start a YouTube Channel
YouTube is the second largest search engine after Google. In the UK, more than 35.6 million adults use the platform. Basically, 35% of the UK population are active on YouTube. Today, you can start your own YouTube channel and get paid. All you need to do is join the YouTube Partner Program.
To do so:
- Sign up for a free YouTube account.
- Click the icon at the top right corner, then click “YouTube Studio.”
- On the left menu, select Other Features, then Monetization. Once you read and agree with YouTubes Partner Program terms, you can monetise your channel and make money
To qualify for the YouTube Partner Program, you need to have 1,000 subscribers, 4,000 valid public watch houses, and good standing with YouTube. You can make around $1.50 per 1,000 views.
Read: Create a YouTube Channel.
37. Sell Unwanted Stuff for Cash
In the UK, the average household has over £350 worth of unwanted stuff. By decluttering your home and selling your unwanted items, you can make money. You can sell:
- Scrap metal
- Sports equipment
- Gift cards
- Kids toys
- Shoes and much more
Use the money to settle your bills or treat yourself. A recent study claims that over 60% of people who sell their unwanted stuff for cash use the money for everyday spending such as fuel. If you’re having a good spring clean and want to get rid of decades of clutter, sell your unwanted stuff on
- Facebook Marketplace
- Amazon Marketplace
You can also sell your stuff at car boot sales.
38. Become a Property Sourcer
The rich and super-rich are always in search of the next investment. Investing in real estate has been one of the best ways to diversify a portfolio. As a property sourcer, your duty is to find suitable properties for wealthy investors.
- Property Ombudsman
- Information Commissioner’s Office
- National Landlords Association
- Residential Landlord Association
You should also have professional indemnity insurance, terms of business and heads of terms documents.
39. Watch Videos
Get paid to watch videos from the comfort of your home. Swagbucks will pay you to sit back, relax and watch video ads and other videos hoping to go viral. There are many exciting video categories: Home and Garden, Tech, Health, Travel and Entertainment.
If you want to watch cool videos, explore Swagbucks. Download the app and watch cool videos while on the go. Besides watching videos, you can complete surveys, find the best deals, test products and services on Swagbucks.
40. Sell Your Stories
Newspapers and magazines are constantly looking for stories of every kind – shocking, scandalous, funny and more. For example, the Sun and the Mirror are always looking for celebrity exclusives, political scandals, real-life dramas and more. They also pay for video footage and photos. If you’ve a video clip on your digital camera or smartphone, get in touch with the editorial team. You can earn up to £5,000 for stories, videos and photos.
Working online is an excellent way to make money from the comfort of your home or on the go. Online opportunities provide excellent portability and flexibility. It’s worth pointing out that you don’t need formal qualifications for most jobs. They include blogging, dog walking, listening to music and watching videos.
For other opportunities such as testing apps and marketing, you need formal qualifications. The good news is there are institutions providing training and certifications. They can improve your skills, knowledge and experience.
Extra income is good but don’t forget to give the taxman his share. Be upfront with the HMRC by letting them know you’re self-employed.