pressures

TRADESPEOPLE are struggling to expand their businesses because of growing costs, bureaucracy and hiring pressures, a new study suggests.

A survey of 850 tradespeople working across the UK by Checkatrade showed they were eager to contribute to the Government’s plan for growth, but challenges were preventing them from doing so.

1

Four out of five of those surveyed said rising costs of materials and tools, plus increased levels of tool theft, were preventing them from growing their business.

A similar number blamed rising taxes, such as the increase in employer National Insurance Contributions.

In April the Government increased the rate of National Insurance contributions from 13.8% to 15%.

It also lowered the threshold at which employers start paying National Insurance from £9,100 to £5,000.

This has piled further pressure onto tradespeople already struggling to make ends meet.

Jambu Palaniappan, chief executive of Checkatrade, said: “The UK is a nation dependent on the trade industry — from carpenters to electricians, decorators to roofers.

“The 900,000 people behind it couldn’t be more important for propelling our economy.”

He said that the research shows how eager tradespeople are to contribute to the Government’s growth agenda.

As part of the plan the Government wants to improve the UK’s rate of economic growth and boost national productivity.

But while there is lots of optimism and significant opportunities for growth, there are still significant challenges tradespeople face.

Palaniappan said: “The Government needs to work with industry to close skills gaps, ensure apprenticeships work for small businesses, and do everything they can to reduce the burdens, the costs, and the taxes that can stifle tradespeople’s growth.”

What support is available?

If you are self-employed and are struggling with the higher cost of living, then there is support available to you.

Universal Credit

One way is to top up your income with Universal Credit.

You can apply if you need to top up your income and have low income and savings.

But you won’t be eligible if you live with a spouse or partner and have combined savings of more than £16,000 or your partner earns too much.

You can check if you are eligible and your claim is likely to be successful by using a benefits calculator.

Turn2us and Entitledto both offer calculators that can help you check whether you qualify.

You will need to attend a gateway interview with a DWP work coach so they can check that being self-employed is your main job.

They will also confirm if you are making a profit or are expected to if you’ve just started out.

This means you’ll need to provide evidence such as receipts, a business plan, copies of invoices, trading accounts or proof you’ve registered as self-employed with HMRC.

If you don’t have enough evidence, then they may decide that you’re not “gainfully” self-employed.

You will need to look and be eligible for other work while you get Universal Credit.

For more information and to apply visit the GOV.UK website.

Employment and Support Allowance

If you’re self-employed, then you can’t claim Statutory Sick Pay.

But if you’ve paid enough National Insurance, then you may be able to claim the new-style Employment and Support Allowance if you’re ill.

If you qualify for the benefit, then you can claim it regardless of your household income or savings.

But if you haven’t paid enough National Insurance, then you may be able to claim the limited capability for work and work-related activity element of Universal Credit.

To be eligible your savings must be less than £16,000.

If you live with a partner, then their income will also be taken into account as part of the claim for Universal Credit.

For information on if you qualify for Employment and Support Allowance and what to do if you don’t visit GOV.UK.

Cut your tax bill

You could be missing out on key tax allowances that could save you hundreds of pounds a year.

If you work from home, then you may be able to claim for costs associated with work, such as business phone calls, gas and electricity.

If you work from home between 51 and 100 hours a month, then you could get £18.

Meanwhile, if you work for more than 101 hours a month from home, then you could get £26 a month – or £312 a year.

If the amount of time you work from home varies month-to-month, then you can claim the relevant amount for that month.

To apply visit the GOV.UK website.

You may also be able to claim tax relief on your mileage if you drive a car or van for work.

You can claim 45p tax relief on every mile you do for the first 10,000 miles a year of business journeys.

If you travelled this distance in a year, you would get £4,500 in tax relief a year.

If you drive more than 10,000 miles, then you can claim 25p tax relief per mile.

You can also get an additional 5p per mile in relief if you carry a passenger.

You can log the number of miles you do and add reminders to report your mileage using apps including driversnote and Fuelio.

To use these apps just download them from the app store and create an account.

Read our helpful guide for more advice on how to cut your tax bill if you’re self-employed.

Do you have a money problem that needs sorting? Get in touch by emailing [email protected].

Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories

PHOENIX — Former President Biden’s time in office is behind him, but his age and mental acuity have become an issue for the next leaders in his party.

Audio was published Friday from portions of interviews Biden gave to federal prosecutors in 2023, the latest in a stream of reports putting questions about Biden’s health back in the spotlight. Months after former Vice President Kamala Harris lost the presidential election to Donald Trump, a new book alleges that White House aides covered up Biden’s physical and mental decline.

Several potential Democratic contenders for the 2028 nomination have been asked in recent days whether they believe Biden was declining in office or whether he should have sought reelection before a disastrous debate performance led to his withdrawal.

Many Democrats would prefer to focus on President Trump’s second term and his sagging poll numbers. Trump has done his best to prevent that — mentioning Biden’s name an average of six times per day during his first 100 days in office, according to an NBC News analysis — and Republicans have followed his lead, betting that voters frustrated by Trump’s policy moves will still prefer him over memories of another unpopular presidency.

In the race for Virginia governor, one of this year’s highest-profile contests, Republican Winsome Earle-Sears is running a pair of digital ads tying Democratic former Rep. Abigail Spanberger to Biden, with images of the two hugging and the former president calling her a friend.

“The stench of Joe Biden still lingers on the Democratic Party,” Democratic strategist Sawyer Hackett said. “We have to do the hard work of fixing that, and I think that includes telling the truth, frankly, about when we were wrong.”

Democratic Sen. Chris Murphy of Connecticut told Politico this week that “there’s no doubt” that Biden, now 82, experienced cognitive decline as president.

Pete Buttigieg, who was Biden’s Transportation secretary, wasn’t as blunt but stopped short of defending Biden’s initial decision to run for reelection. He responded “maybe” when asked Tuesday whether the Democratic Party would have been better off if Biden hadn’t declared a bid for a second term.

“Right now, with the advantage of hindsight, I think most people would agree that that’s the case,” Buttigieg told reporters during a stop in Iowa.

Illinois Gov. J.B. Pritzker said he didn’t see signs of mental or physical decline in his meetings with Biden.

“I saw him a few times,” he told CNN this week. “I certainly went to the White House whenever there was an opportunity for me to make the case for something for people in my state. And I never had the experience of anything other than a guy who brought to the table a lot of good ideas about how to solve problems.”

The book “Original Sin,” by journalists Jake Tapper of CNN and Alex Thompson of Axios, revives a core controversy of Biden’s presidency: his decision to run for a second term despite voters, including Democrats, telling pollsters that he should not. Biden would have been 86 at the end of a second term had he won in November.

A spokesperson for Biden did not respond to a request for comment.

“We continue to await anything that shows where Joe Biden had to make a presidential decision or where national security was threatened or where he was unable to do his job,” the spokesperson has told many media outlets in response to the book.

Late Friday, Axios published portions from audio recordings of Biden’s six hours of interviews with prosecutors investigating his handling of classified documents after his term as vice president ended in 2017, for which he was not charged.

The Biden administration had already released transcripts of the interviews, but the recordings shed light on special counsel Robert Hur’s characterization of Biden as “a sympathetic, well-meaning, elderly man with a poor memory” and appeared to validate his claim that the then-president struggled to recall key dates, including the year his son Beau died of cancer — 2015.

Biden and his aides fiercely objected to Hur’s report, which they characterized as a partisan hit. Biden at that time — early 2024 — was still planning to run for a second term and fending off accusations that he was too old for another four years in the job.

The recordings released by Axios include Biden’s discussion of his son’s death. His responses to some of the prosecutors’ questions are punctuated by long pauses, and his lawyers at times stepped in to help him recall dates and timelines.

Before he dropped his reelection bid last summer, Biden faced widespread doubts within his own party, even as Democratic leaders dismissed a series of verbal flubs and Republican allegations about his declining acuity.

In January 2022, a year into Biden’s first term, an AP-NORC Center for Public Affairs Research poll found that only 48% of Democrats wanted him to seek reelection. That fell to 37% of Democrats in an AP-NORC poll in February 2023. Three-quarters of Americans — and 69% of Democrats — said in August 2023 that they believed Biden was too old to serve as president for another four-year term.

And shortly after his debate flop, nearly two-thirds of Democrats said Biden should withdraw from the race.

Biden and former First Lady Jill Biden appeared on ABC’s “The View” on May 8 in a preemptive defense of his health and decision-making before the first excerpts of “Original Sin” were published.

The former president said he’s responsible for Trump’s victory but attributed Harris’ loss, at least in part, to sexism and racism. He maintained that he would have won had he remained the Democratic nominee. Both Bidens rejected concerns about his cognitive decline.

Patricia McEnerney, a 74-year-old Democrat in Goodyear, Ariz., said Biden should not have tried to run again.

“I think it’s sad the way it ended,” she said.

She compared him to Douglas MacArthur, the World War II and Korean War general famously dismissed by President Truman.

“I think he needs to stop giving interviews. I think that would help,” McEnerney said. “Like MacArthur said, generals just fade away.”

Janet Stumps, a 66-year-old Democrat also from Goodyear, a Phoenix suburb, had a different view.

“I don’t think it’s going to hurt the Democrats,” Stumps said. “I feel badly that he feels he has to defend himself. I don’t think he has to. Everybody ages. And the fact that he did what he did at his age, I think he should be commended for it.”

Hackett, the Democratic strategist, predicted Biden won’t be a major factor in the 2026 midterms or the 2028 presidential primaries. But he said Democrats who want voters to trust them would be well-served “by telling the truth about the mistakes that our party made in the run-up to 2024.”

“Those mistakes were largely driven by Joe Biden, and I think any Democrat not willing to say that is not really prepared to face the voters, who want the truth and they want authenticity,” Hackett said.

Rick Wilson, a former GOP strategist who co-founded the anti-Trump group the Lincoln Project, said Republicans want to talk about Biden to avoid defending Trump. But he said the strategy is folly.

Besides “political nerds,” he said, “no one else cares.”

Cooper writes for the Associated Press. AP writer Thomas Beaumont in Cedar Rapids, Iowa, contributed to this report.