Category - COVID-19

A nice easy start to work today. Began with a new pupil who’d contacted me during the lockdown, and who needs a manual licence having driven automatic in her home country. No real issues other than a bit eager with the indicators for everything, and a tendency to brake for everything. But nothing that can’t be sorted. And she’s block-booked ten hours.

Second lesson was with a pupil who is test ready, and who has been driving with his mum and dad anyway. His test is booked in June, and it is likely he’ll go in his own car for that. No problems with his driving, other than he has a Corsa and has somehow got it into his head he needs to go into 2nd gear at 6mph. I explained that that might be the all right on his petrol Corsa, but in my diesel Focus that rumbling noise is the engine saying it’s not happy with it, and he should be listening to the engine rather than watching the speedometer otherwise he’ll stall it (he did once) – or worse.

The last one was with a pupil who’d only had two lessons back in September before we had to stop again. She was a bit nervous, but she remembered most of it and we got going quite quickly.

I did a Lateral Flow Test yesterday and, unsurprisingly, came up negative. Doing the test reminded me how much I hate anything other than food touching the back of my throat – I nearly threw up.

Last weekend, a pupil who I taught several years ago booked her son in with me. His lesson is provisionally set for this weekend. However, when she called me it became apparent that they hadn’t even applied for his provisional licence, so I told her to get a move on because it might not arrive in time. Fast forward one whole week. She’s transferred a block booking of ten hours to my account, but then told me they still hadn’t applied for his licence because they couldn’t find his NI number, and needed to wait until at least Monday (today) to get it. I don’t think the lesson will happen this week.

I also discovered my local hairdresser has made it through the lockdown, and I’m booked in for a trim later this week. My hair hasn’t been cut for about 18 months, and I look like Sideshow Bob. Mind you, I probably still will look like Sideshow Bob afterwards, since I like the length – just not the split ends.

Well, just over a year since the pandemic hit, and save for a few weeks at the end of last summer when it was relatively safe, on Monday I’ll be starting lessons again.

Unlike some complete prats out there, I realise that COVID a) actually exists, and b) is quite dangerous if you get it, so I will be taking it slowly and safely. Pupils will have to wear masks (unless exempt), they get gelled at the start of the lesson, the car gets wiped down in between (and fogged periodically), and I have a supply of lateral testing kits for myself – which I will use twice per week, and feed results back to the NHS as per the system. It may come as a surprise to the aforementioned prats, but as well as not wanting to catch COVID myself, not wanting to pass it on to anyone else is still pretty high on my list. I don’t want to be adding to the 127,000 who have already died from COVID – because I have morals.

I’ve had my first vaccination (the second is due in May), and I know that at least two of my pupils have either had it or have appointments booked. More importantly, both of my parents have now had both of their jabs – it has always been them I was most concerned about. Also, my pupils who are at school tell me they’re being tested regularly, which is good.

The fun has now started. One pupil has moved house since I last saw her, and instead of a 2 minute drive she’s now 40 minutes away and will be doing her test at a different centre to the one we had originally planned for. She doesn’t know that yet, and I know she’ll argue to use the original – but if people are doing one hour lessons and live in Hucknall, Colwick is a bit off the radar. Especially so at midday. I’ve been there, done that, and the T-shirt says clearly that it can take well over an hour just get to from Hucknall to Colwick and back again depending on the traffic and road closures.

Then there are the ‘can I have a lesson next week?’ texts. Except I vaguely remember (and I was right) that several of them work rotas with Mc-You-Know-Who on zero hours contracts, and ‘next week’ roughly translates to a free hour on Thursday at 5pm and one on Sunday at 9am, because they’re working (or at school) the rest of the time. And even that is subject to change if Mc-You-Know-Who calls them in.

Several other haven’t responded to my texts yet. Young people have their phone glued permanently to their hands the rest of the time, yet I can never figure out why some of them take a day or more to reply to any text. It’s like I’ll text them on a Monday with ‘are we still on for Saturday?’ By Thursday, no response. So I’ll text again, thinking about filling their slot with someone else who wants a lesson, and that will finally prompt them to tell me they still want it, like the first text never happened.

It’s just like old times already. And I haven’t started yet.

People keep asking this. I’ve had two emails this week: how much do you earn as an instructor? When it is asked online, almost every time some dipstick somewhere tries to answer it by doing it all wrong, or by making it too complicated.

If you were in a salaried position where the stated wage was £30,000 per year, that would be before tax and National Insurance. Any comparison for being self-employed also has to be before tax and NI. That’s because tax and NI are different for everyone (single, married, disabled, and God knows what other things). You need to keep these out of it in order to compare with self-employed income.

In a salaried position, you get the stated wage no matter what you do. If it says you get £30,000 a year, then you get £30,000 a year – before tax and NI. If you change to another salaried job, if the stated wage of the new job is £32,000, then you will be earning £2,000 more – before tax and NI.

To compare a self-employed job, you need to get an equivalent figure before tax and NI.

Being self-employed is different to being salaried, because you are not guaranteed an income. It depends on how much work you do, and in the case of a driving instructor, that work could be anything from 0 hours up to 50+ hours in any given week. It would be utterly stupid to budget based on doing 50 hours every week, and what you need is the average for an entire year. Since you are trying to predict a career change, you need to assume a sensible average figure and not just a big number you like the sound of – and which you would not be able to achieve reliably, if at all.

If being an ADI is going to be your main source of income, you need to be thinking of around 30 hours as a safe and sensible average figure once you are established. In reality, work will fluctuate, and if you end up averaging 35 or 40 hours, that’s great. But don’t get carried away, because something might happen which brings the average down to 25 hours or even less, and it is much harder to sustain a higher average than it is a lower one. If you underestimate, anything more is a bonus. But if you overestimate, not achieving it could be disastrous if you’ve bet your house (or mortgage repayments) on it.

Then there is your hourly lesson rate. Not everyone can charge £40 an hour. Some ADIs live in areas where £25 might be at the top end of what people will pay. Find out what your area’s average is and use that. In Nottingham, for example, £30 an hour is a sensible and realistic hourly rate right now (elsewhere on the blog I have referred to figures of £25 and £27 from when those were typical rates).

Finally, how many weeks will you work? Let’s assume – sensible assumptions are important when you’re self-employed – that you work 48 weeks of the year.

The maths is now quite simple. 30 hours a week times by £30 an hour times by 48 weeks means you will be taking £43,200 from your pupils each year. That’s your turnover (total income).

But you also have business costs, or expenses. You have to pay for your car, fuel, insurance, and so on, and you use your turnover to pay for these. No matter what you see the feral monkeys on social media claiming, they do not run a car ‘for nothing’. One way or another there is a weekly business cost associated with even the most dilapidated and ancient jalopy you could find. The vast, vast majority of instructors will have weekly vehicle costs of at least £100 (for the whole 52 weeks of the year). Fuel is also around £100 for a 30 hour week (for the 48 weeks you work).

Combining these, your car costs will amount to £100 times by 52 weeks, totalling £5,200. Fuel usage is £100 times by 48 weeks, which totals £4,800. Together, that’s £10,000 of expenses.

Therefore, your actual income – your wage before tax and NI – based on an average of 30 hours per week at £30 per hour is £43,200 minus £10,000, which equals £33,200.

Before you drool all over your keyboard, it’s worth considering a few realistic and quite possible variations in this calculation. Firstly, what if you only average 25 hours a week instead of 30? In that case, your annual wage would drop to around £26,500.

Secondly, what if you do 30 hours, but can only charge £27? In this case, your wage would be around £29,000.

Thirdly, what if you average 25 hours and can only charge £27? Now, your wage would be around £23,000.

And finally, what if you don’t get anywhere near an average of 25 hours in your first year? Will it be enough to pay your bills?

It’s easy to put all this into a simple spreadsheet to compare the different scenarios and variables. But one look at what’s happened in the last year should be enough to hammer it home that there are never any guarantees, and any future-looking calculation is only an estimate. So if you are planning a new career, be almost pessimistic in your assumptions. If you work everything out based on 40 hour weeks and £35 an hour lessons, but end up with 20 hour weeks and £25 an hour lessons, you’re going to end up very disappointed indeed.

As soon as you try and discuss this with people, the first things they’ll say will be along the lines of ‘my car doesn’t cost me anything’ or ‘well I only spend £60 a week on fuel’. Or some other contrarian nonsense. I’ve explained the one about cars ‘not costing anything’ in the main Should I Become An Instructor article, and it is a nonsense claim as far as planning a career change is concerned. The amount of fuel you use is specific to you and the area you teach in. Someone in a big city, with all their pupils closely packed into a small area, might well have lower mileage (and lower fuel costs). Someone in the middle of the countryside will quite possibly have significantly higher fuel costs. In Nottingham, £100 a week is roughly what fuel costs are for me if I work for around 30 hours. And that’s a common ballpark figure for many instructors.

Play around with the calculations by all means, but don’t always look for the most attractive numbers. If you plug in a low fuel bill, low car costs, and top-end lesson prices, the result might seem wonderful, but at the end of the day you’re going to have to go out there and do it – and that’s where the hard work starts.

Just remember not to try and factor in tax, National Insurance, pensions, savings, bills, or anything else when trying to do a like-for-like comparison with salaried jobs. All that comes later when you have to deal with self-assessments and HMRC.