Yes but we are talking about self employed here not a buisness? What's different overheads of a self employed 1 man band to a nurse who travels to work?
there is a lot of difference from a direct employed person to a self employed person. the self employed person has got to supply for themselves, holiday pay, sick pay, pension, redundant payments, shares in the company, golden handshakes.
Even I as a single self employed person have overheads, fuel, rent on 2 garages for storage, a pickup truck with its running costs. i do keep my expenses to a minimum, no accountant. no bank overdraft, no loans to finance. 90% of my work is private only 1 builder whom i have worked for for over 40 years and shall we say that he is a little understanding.