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John, you are being underpaid . But talk of 2 or 3 times your current rate for employed is nonsense. Twice is achievable, but most cards in jobs are not £40K plus.

Self-employed CAN earn a lot more but you have to be good, quick and well organised. Plus have cash to get going.

It may be that your boss is poor at running a business, and may not actually be able to as afford the proper rate, but that is his problem.

As you are young and responsibility free, now is the time, perhaps, to go SE. Don't go straight into a new expensive van. Keep costs under control. Work out your overheads, and charge fees that will give you a decent return.
Get paid straight away before leaving the house, and remember that a 4 hour day at £40 per hour is better than 8 at £20. But insert your own figures.
 
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To be honest with you I just don’t have the cash to get myself SE. I have a van (which is off road at the moment) not GS either which I’ll have to pay for so it’s rather difficult to go self employed. Plus I have no idea how to run a business and what to charge etc. So much to learn on the business side of things. That’s why I want to work away to build up cash. I’m still living at home which is embarrassing so I’d love to get a mortgage first, but that’s another thing.
 

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