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Slacky

  • Posts: 8282
Re: six figure turnovers not worth the money there meant to be?
« Reply #20 on: July 13, 2019, 09:08:28 pm »
Love that ‘I chose that, not society’.

Could’ve come out of Trainspotting.

Choose Life...

Dry Clean

  • Posts: 8861
Re: six figure turnovers not worth the money there meant to be?
« Reply #21 on: July 13, 2019, 09:45:11 pm »


You forgetting (unless I’ve missed it) the value that you’re adding to the business by growing it.
I pay myself f all but put it all back in and grow the business so I can flog it and sod off to the Barbados ASAP.

If you had half a million to invest would you invest it in a window cleaning business or bricks and mortar ? lets be honest no matter how big we get all we have to sell is a list of customers or potential customers to a new owner.

AuRavelling79

  • Posts: 25401
Re: six figure turnovers not worth the money there meant to be?
« Reply #22 on: July 13, 2019, 11:51:50 pm »
What would half a million get you in property to invest in? Here in Bristol you might get a pair of ex council house semi's or three 2 bed flats. Your income would probably be about 2K a month before expenses assuming constant unbroken rental income.

Hopefully the value of the property would increase over time too.
It's a game of three halves!

Crystal-clear

  • Posts: 3029
Re: six figure turnovers not worth the money there meant to be?
« Reply #23 on: July 14, 2019, 09:51:04 am »
I have 1 van out full time with 2 people.  They normally do £495.00 + VAT per day. £110.00 each in wages, £200 for me leaves £75.00 per day for everything else and the rest stays in the bank.

If render cleaning some flats or some big building that figure can go up. Some render cleaning days you can do £800.00 per day.

We only do gutter and render cleans and some pressure washing, min charge £84.00 + VAT.

I used to have 4 vans, 3 on a domestic window round and the other doing gutters and render.  Plus office staff and yard etc.

The window cleaning vans used to do around £380.00 per day while the gutter van done over £500.00.

I got rid of everyone, plus yard and kept two vans. One is out full time and other I use to do quotes. I get paid more now then I did before and semi retired at 32.

I thought having a big business with lots of staff was the goal, but when I got it I realised it wasn't what I wanted, it's what society thinks you should do.

I read all the 'self help' books by Napoleon Hill, Brain Tracey, Dale Carnegie and so on. At one point I was just like Lee Pryors, thinking that 'my / his' way was the right and only way and that anyone can do it if they put their minds to it. But it's a load of rubbish, it's what society has 'sold' to you and your a mug if you follow it.

Now I work 2-3 hours in the morning and paint / draw in the afternoons. I chose that, not society.

One book I still follow is the 4 Hour work week. Without this I wouldn't be doing what I'm doing.


Really informative. The biggest problem clearly is passing the VAT to the domestic customer and not pricing yourself out. If we have a substantial VAT threshold drop I think this could change. As all self-employed people basically need to start charging VAT.

This is what keeps your profits really low yes each van you get you are making more money but it's nowhere near as much as you did with your first van. Hypothetically if your vans were making £380 per day plus VAT that would be 460 per day would leave you 270.00 per day. It's a big difference. And when the penny drops with multiple vans and you're making basically £100 per van getting behind with work and having all the responsibilities associated staff everything. You basically realised why am I doing this...
I think the main reason is purely that you would enjoy the challenge and probably get a kick out the numbers. But when it's all said and done because the actual profit after all expenses and VAT is high no director would really pay themselves more than a sole operator.

When it comes to wanting to expand even though I have broken the above down the only thing that would interest me ongoing is purely the challenge but breaking the numbers down it is a bit disheartening and you sometimes have to wonder why people get really really big it isn't about money it's can't be some of them have been expanding for 10 years solid and never have paid themselves as substantial amount in one tax year
On and off I have also for that period of time..
10 years is a long time of your life.
I think it's purely just the challenge. However with the amount of time money stress with the psychology of this business with messers and people not knowing they want it regular until they see you next time. then being hit with a huge VAT bill that you cannot pass to the customer heavy labour costs and running costs . And all that time and effort how much more money profit do you think you could make investing in a different sort of business completely.?
If it's domestic window cleaning possibly 2 to 3 vans could be enough it's enough to pay you a handsome salary and your partner something maybe..and probably just work part time in the week physically. But to keep going from that point to continue to pay yourself the same wage because you want to keep reinvesting to get bigger and bigger.. with very very little return really currently it's like this but this will change though at some point especially when the government lower the VAT threshold so these numbers could really change.. Lee is sort of an exception done so well but For example if lee was to charge plus VAT on all his prices he really would be raking it in then..Likewise anyone else towards his level.

I think coming to terms with this currently is a bit difficult because it's something we have done most  our lives, and it's not inspiring to hear how unrewarding it could be when you get really big given the work ratio investment  and so much time and everything else.

Rather stubbornly I think I am one to challenge myself it's purely just down to wanting the challenge wanting to try and go forward because staying still isn't really for everyone as well..I do think 2 to 3 vans running full time is a good place to be so that's a good goal at that point though you would need to focus on profit any new work really needs to take that VAT into account.

Ooooooog

  • Posts: 1083
Re: six figure turnovers not worth the money there meant to be?
« Reply #24 on: July 14, 2019, 10:39:43 am »


You forgetting (unless I’ve missed it) the value that you’re adding to the business by growing it.
I pay myself f all but put it all back in and grow the business so I can flog it and sod off to the Barbados ASAP.

If you had half a million to invest would you invest it in a window cleaning business or bricks and mortar ? lets be honest no matter how big we get all we have to sell is a list of customers or potential customers to a new owner.

Push for multi year contracts.

Pete Thompson

  • Posts: 960
Re: six figure turnovers not worth the money there meant to be?
« Reply #25 on: July 14, 2019, 10:53:59 am »


You forgetting (unless I’ve missed it) the value that you’re adding to the business by growing it.
I pay myself f all but put it all back in and grow the business so I can flog it and sod off to the Barbados ASAP.

If you had half a million to invest would you invest it in a window cleaning business or bricks and mortar ? lets be honest no matter how big we get all we have to sell is a list of customers or potential customers to a new owner.

£500k in most parts of the country would buy 3 x 3 bed semis. Rent on those would be approx £600 each per month assuming they were always occupied (which is never actually the case). Expenses would be around £100 each per month leaving you a profit of £18,000 per year. If the properties appreciate at 3% per year, that’s an additional gain of £15k (though you can only realise that if you sell them).
So that’s around £33k per year.

How much profit will a window cleaning business valued at £500k earn? FAR more than £33k, I’d estimate that would be a 6-van business, making a profit of around £130k per year.

“lets be honest no matter how big we get all we have to sell is a list of customers or potential customers”

And?

A customer is a very valuable thing. To get a customer takes time, effort, money and skill. It has value, even if it’s not a tangible thing. A customer will generate profit for you  indefinitely. Why do you think this doesn’t have any value?

Shrek

  • Posts: 3931
Re: six figure turnovers not worth the money there meant to be?
« Reply #26 on: July 14, 2019, 11:08:33 am »
The problem which I have with rental properties is that when you are a higher rate tax payer , the robbing barstewards tax you on the gross amount instead of taking into account mortgage payments.

20% tax rate - mortgage = £300
                                 Rent = £500
                       You are taxed on £2400

40% tax rate - mortgage = £300
                                 Rent = £500
                     You are taxed on £6000

Crystal-clear

  • Posts: 3029
Re: six figure turnovers not worth the money there meant to be?
« Reply #27 on: July 14, 2019, 11:47:05 am »


You forgetting (unless I’ve missed it) the value that you’re adding to the business by growing it.
I pay myself f all but put it all back in and grow the business so I can flog it and sod off to the Barbados ASAP.

If you had half a million to invest would you invest it in a window cleaning business or bricks and mortar ? lets be honest no matter how big we get all we have to sell is a list of customers or potential customers to a new owner.

£500k in most parts of the country would buy 3 x 3 bed semis. Rent on those would be approx £600 each per month assuming they were always occupied (which is never actually the case). Expenses would be around £100 each per month leaving you a profit of £18,000 per year. If the properties appreciate at 3% per year, that’s an additional gain of £15k (though you can only realise that if you sell them).
So that’s around £33k per year.

How much profit will a window cleaning business valued at £500k earn? FAR more than £33k, I’d estimate that would be a 6-van business, making a profit of around £130k per year.

“lets be honest no matter how big we get all we have to sell is a list of customers or potential customers”

And?

A customer is a very valuable thing. To get a customer takes time, effort, money and skill. It has value, even if it’s not a tangible thing. A customer will generate profit for you  indefinitely. Why do you think this doesn’t have any value?
I like your post here. A very good way of thinking about it for example on the worst case of things one of van making a profit of £25,000 per year
You would need to spend basically £400,000 on a house with in high demand area with no downtime.

I think you've answered a lot of questions it won't cost anything like like that to get one van working full-time.
Looking at it that point of view I think we're going to be ok. So maybe let's keep pushing and striving:)


By the way Shrek it's not worth buying a property with a big mortgage to make a rental profit in fact you make a loss because of the new rules. Your only hope would be to sell it hoping the market goes up which is a gamble. Government's way to encourage more first time buyers and less investor's

Stoots

  • Posts: 6211
Re: six figure turnovers not worth the money there meant to be?
« Reply #28 on: July 14, 2019, 01:02:52 pm »
What would half a million get you in property to invest in? Here in Bristol you might get a pair of ex council house semi's or three 2 bed flats. Your income would probably be about 2K a month before expenses assuming constant unbroken rental income.

Hopefully the value of the property would increase over time too.

Dont invest in bristol then.

You could get 10 flats or small terraces in some parts of the country or half a dozen ex council semis

Stoots

  • Posts: 6211
Re: six figure turnovers not worth the money there meant to be?
« Reply #29 on: July 14, 2019, 01:13:16 pm »
Whatever way you look at it the system is setup so that if you try to make money you hand  over half of in tax.



Maybe those claiming benefits, living in free accommodation and doing a bit "on the side" have the right idea.



Dry Clean

  • Posts: 8861
Re: six figure turnovers not worth the money there meant to be?
« Reply #30 on: July 14, 2019, 02:30:43 pm »


You forgetting (unless I’ve missed it) the value that you’re adding to the business by growing it.
I pay myself f all but put it all back in and grow the business so I can flog it and sod off to the Barbados ASAP.

If you had half a million to invest would you invest it in a window cleaning business or bricks and mortar ? lets be honest no matter how big we get all we have to sell is a list of customers or potential customers to a new owner.

£500k in most parts of the country would buy 3 x 3 bed semis. Rent on those would be approx £600 each per month assuming they were always occupied (which is never actually the case). Expenses would be around £100 each per month leaving you a profit of £18,000 per year. If the properties appreciate at 3% per year, that’s an additional gain of £15k (though you can only realise that if you sell them).
So that’s around £33k per year.

How much profit will a window cleaning business valued at £500k earn? FAR more than £33k, I’d estimate that would be a 6-van business, making a profit of around £130k per year.

“lets be honest no matter how big we get all we have to sell is a list of customers or potential customers”

And?

A customer is a very valuable thing. To get a customer takes time, effort, money and skill. It has value, even if it’s not a tangible thing. A customer will generate profit for you  indefinitely. Why do you think this doesn’t have any value?
I like your post here. A very good way of thinking about it for example on the worst case of things one of van making a profit of £25,000 per year
You would need to spend basically £400,000 on a house with in high demand area with no downtime.

I think you've answered a lot of questions it won't cost anything like like that to get one van working full-time.
Looking at it that point of view I think we're going to be ok. So maybe let's keep pushing and striving:)


By the way Shrek it's not worth buying a property with a big mortgage to make a rental profit in fact you make a loss because of the new rules. Your only hope would be to sell it hoping the market goes up which is a gamble. Government's way to encourage more first time buyers and less investor's

Its not about making money in the short term its about the end result, I have a number of properties that are all being paid for by my tenants, at this moment in time I get very little if any return if any on them, I will reap the benefits once they are paid for.
There are risks with all investments, 15 years back a bad tenant could have made my life very hard but I still would prefer to take this risk  to buying a list of window cleaning customers.
Taxes can be high especially if you go to sell a property but as with all taxes there are ways to reduce them.

AuRavelling79

  • Posts: 25401
Re: six figure turnovers not worth the money there meant to be?
« Reply #31 on: July 14, 2019, 02:34:00 pm »
What would half a million get you in property to invest in? Here in Bristol you might get a pair of ex council house semi's or three 2 bed flats. Your income would probably be about 2K a month before expenses assuming constant unbroken rental income.

Hopefully the value of the property would increase over time too.

Dont invest in bristol then.

You could get 10 flats or small terraces in some parts of the country or half a dozen ex council semis

However you would only get about £40K off of those ten properties and they would take a lot of upkeep.  10 boilers to service, 10 tenants to deal with, 10 lots of complaints to deal with, 10 lots of turnover of tenants.

And frankly, the chances of getting a bad apple tenant would increase greatly.
It's a game of three halves!

Smudger

  • Posts: 13438
Re: six figure turnovers not worth the money there meant to be?
« Reply #32 on: July 14, 2019, 02:48:26 pm »
Crystal - while I see what you are trying to get at - you really are on the waffle - IMO you wouldn't be cut out for multi van operation - you simply look for/at everything costing you money and go down how cheap can I get something done - there comes a point when paying for something that gets done quicker is cost effective than parting around for several days trying to save a few pennies...

I have to say I can't read your posts in depth but the gist is VAT - so? you charge for vat - you also claim vat back - not as much as other industries but fuel is one of them
I may not 'make' the same as a sole operator per van - big deal that's not the aim ( im interested to know all you sole traders turning over 60 to 70k a year less your minimal expences hoe you look paying the 40p in the pound tax ? ) - thats not a dig but I don't want to pay the top rate of tax - I'd rather invest it in the biz

Staffing - covered this before - there are hiccups, but nothing more than you get yourself when dealing with the public - the more customers you have the more you have to deal with - but the % is still the same - I think you can be more aware/notice it more because when its your own error you take it on the chin reclean and move on when it's staff there is a big over reaction

Selling - it MAY be only a list of names, but they are repeating customers - your books show this and going forward its a viable biz with assets thats why it can sell for good money ( I know a guy who was brought out for nearly £600k ) from a large regional cleaning company - people pay big money for shops, post offices, etc... well they don't even have a 'list of names' you are strictly working on good will

Darran
Never argue with an idiot, they will only bring you down to their level, and beat you with experience

Smudger

  • Posts: 13438
Re: six figure turnovers not worth the money there meant to be?
« Reply #33 on: July 14, 2019, 02:50:00 pm »


You forgetting (unless I’ve missed it) the value that you’re adding to the business by growing it.
I pay myself f all but put it all back in and grow the business so I can flog it and sod off to the Barbados ASAP.

If you had half a million to invest would you invest it in a window cleaning business or bricks and mortar ? lets be honest no matter how big we get all we have to sell is a list of customers or potential customers to a new owner.

£500k in most parts of the country would buy 3 x 3 bed semis. Rent on those would be approx £600 each per month assuming they were always occupied (which is never actually the case). Expenses would be around £100 each per month leaving you a profit of £18,000 per year. If the properties appreciate at 3% per year, that’s an additional gain of £15k (though you can only realise that if you sell them).
So that’s around £33k per year.

How much profit will a window cleaning business valued at £500k earn? FAR more than £33k, I’d estimate that would be a 6-van business, making a profit of around £130k per year.

“lets be honest no matter how big we get all we have to sell is a list of customers or potential customers”

And?

A customer is a very valuable thing. To get a customer takes time, effort, money and skill. It has value, even if it’s not a tangible thing. A customer will generate profit for you  indefinitely. Why do you think this doesn’t have any value?
I like your post here. A very good way of thinking about it for example on the worst case of things one of van making a profit of £25,000 per year
You would need to spend basically £400,000 on a house with in high demand area with no downtime.

I think you've answered a lot of questions it won't cost anything like like that to get one van working full-time.
Looking at it that point of view I think we're going to be ok. So maybe let's keep pushing and striving:)


By the way Shrek it's not worth buying a property with a big mortgage to make a rental profit in fact you make a loss because of the new rules. Your only hope would be to sell it hoping the market goes up which is a gamble. Government's way to encourage more first time buyers and less investor's

Its not about making money in the short term its about the end result, I have a number of properties that are all being paid for by my tenants, at this moment in time I get very little if any return if any on them, I will reap the benefits once they are paid for.
There are risks with all investments, 15 years back a bad tenant could have made my life very hard but I still would prefer to take this risk  to buying a list of window cleaning customers.
Taxes can be high especially if you go to sell a property but as with all taxes there are ways to reduce them.

I think the rental laws are about to change where you won't just be able to kick people out ?
Darran
Never argue with an idiot, they will only bring you down to their level, and beat you with experience

Dry Clean

  • Posts: 8861
Re: six figure turnovers not worth the money there meant to be?
« Reply #34 on: July 14, 2019, 03:07:19 pm »


You forgetting (unless I’ve missed it) the value that you’re adding to the business by growing it.
I pay myself f all but put it all back in and grow the business so I can flog it and sod off to the Barbados ASAP.

If you had half a million to invest would you invest it in a window cleaning business or bricks and mortar ? lets be honest no matter how big we get all we have to sell is a list of customers or potential customers to a new owner.

£500k in most parts of the country would buy 3 x 3 bed semis. Rent on those would be approx £600 each per month assuming they were always occupied (which is never actually the case). Expenses would be around £100 each per month leaving you a profit of £18,000 per year. If the properties appreciate at 3% per year, that’s an additional gain of £15k (though you can only realise that if you sell them).
So that’s around £33k per year.

How much profit will a window cleaning business valued at £500k earn? FAR more than £33k, I’d estimate that would be a 6-van business, making a profit of around £130k per year.

“lets be honest no matter how big we get all we have to sell is a list of customers or potential customers”

And?

A customer is a very valuable thing. To get a customer takes time, effort, money and skill. It has value, even if it’s not a tangible thing. A customer will generate profit for you  indefinitely. Why do you think this doesn’t have any value?
I like your post here. A very good way of thinking about it for example on the worst case of things one of van making a profit of £25,000 per year
You would need to spend basically £400,000 on a house with in high demand area with no downtime.

I think you've answered a lot of questions it won't cost anything like like that to get one van working full-time.
Looking at it that point of view I think we're going to be ok. So maybe let's keep pushing and striving:)


By the way Shrek it's not worth buying a property with a big mortgage to make a rental profit in fact you make a loss because of the new rules. Your only hope would be to sell it hoping the market goes up which is a gamble. Government's way to encourage more first time buyers and less investor's

Its not about making money in the short term its about the end result, I have a number of properties that are all being paid for by my tenants, at this moment in time I get very little if any return if any on them, I will reap the benefits once they are paid for.
There are risks with all investments, 15 years back a bad tenant could have made my life very hard but I still would prefer to take this risk  to buying a list of window cleaning customers.
Taxes can be high especially if you go to sell a property but as with all taxes there are ways to reduce them.

I think the rental laws are about to change where you won't just be able to kick people out ?
Darran
Unless you are very wealthy you cant do it now which is why a bad tenant has ruined many a landlord, this will effect the big guys who have the money to get people out quickly.

Crystal-clear

  • Posts: 3029
Re: six figure turnovers not worth the money there meant to be?
« Reply #35 on: July 15, 2019, 12:37:25 am »


You forgetting (unless I’ve missed it) the value that you’re adding to the business by growing it.
I pay myself f all but put it all back in and grow the business so I can flog it and sod off to the Barbados ASAP.

If you had half a million to invest would you invest it in a window cleaning business or bricks and mortar ? lets be honest no matter how big we get all we have to sell is a list of customers or potential customers to a new owner.

£500k in most parts of the country would buy 3 x 3 bed semis. Rent on those would be approx £600 each per month assuming they were always occupied (which is never actually the case). Expenses would be around £100 each per month leaving you a profit of £18,000 per year. If the properties appreciate at 3% per year, that’s an additional gain of £15k (though you can only realise that if you sell them).
So that’s around £33k per year.

How much profit will a window cleaning business valued at £500k earn? FAR more than £33k, I’d estimate that would be a 6-van business, making a profit of around £130k per year.

“lets be honest no matter how big we get all we have to sell is a list of customers or potential customers”

And?

A customer is a very valuable thing. To get a customer takes time, effort, money and skill. It has value, even if it’s not a tangible thing. A customer will generate profit for you  indefinitely. Why do you think this doesn’t have any value?
I like your post here. A very good way of thinking about it for example on the worst case of things one of van making a profit of £25,000 per year
You would need to spend basically £400,000 on a house with in high demand area with no downtime.

I think you've answered a lot of questions it won't cost anything like like that to get one van working full-time.
Looking at it that point of view I think we're going to be ok. So maybe let's keep pushing and striving:)


By the way Shrek it's not worth buying a property with a big mortgage to make a rental profit in fact you make a loss because of the new rules. Your only hope would be to sell it hoping the market goes up which is a gamble. Government's way to encourage more first time buyers and less investor's

Its not about making money in the short term its about the end result, I have a number of properties that are all being paid for by my tenants, at this moment in time I get very little if any return if any on them, I will reap the benefits once they are paid for.
There are risks with all investments, 15 years back a bad tenant could have made my life very hard but I still would prefer to take this risk  to buying a list of window cleaning customers.
Taxes can be high especially if you go to sell a property but as with all taxes there are ways to reduce them.

I think the rental laws are about to change where you won't just be able to kick people out ?
Darran

Thats right you wont be able to bring a tenancy to an end via a section 21 anymore (a no tenant fault) currently one of the biggest homeless causes. LLs have also used this as a form of revenge eviction IE if you have a tenant who is complaining about upkeep in the past just give them a section 21 and get someone less fussy simples....
however special rules apply such as landlord wanting to move in or sell the property proof will be required
The proposed changes will have to go through a consultation process,so its not just yet. however Scotland i think already has something similar in place which is more then likely putting resi investors off.guess its a good thing for first time buyers since investors are pumping money into rentals driving prices up. Being a domestic landlord isn't really worth the paper it was once upon a time.... so lets focus on work roll on Monday  :D

KS Cleaning

  • Posts: 3955
Re: six figure turnovers not worth the money there meant to be?
« Reply #36 on: July 15, 2019, 01:11:02 am »
Sometimes it pays to look after your tenants 😉  I have wonderful tenants...but then again they have a wonderful landlord, works both ways.

Smudger

  • Posts: 13438
Re: six figure turnovers not worth the money there meant to be?
« Reply #37 on: July 15, 2019, 08:42:49 am »
Sometimes it pays to look after your tenants 😉  I have wonderful tenants...but then again they have a wonderful landlord, works both ways.

Just like employing and getting to 12 vans  ;D

Darran
Never argue with an idiot, they will only bring you down to their level, and beat you with experience