I agree with Playfelt ... as much as it sucks it is not technically a 'loss' being 'self employed' time off is supposed to be factored into our 'fees' ... which can sometimes be a challenge to set aside money for those times which is why I ended up opting to have two fee options ... one that is a lower weekly fee but includes 10 paid personal days over the year where if I am closed they still pay me ... forced savings on my part to just make due with less and easier budgeting on their end of the consistent payment each week regardless.

































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