According to IPSE, the Association of Independent Professionals and Self Employed, if you work for yourself then you spend 20 days a year trying to get paid.
I've talked before on this blog about how difficult it can be for contractors to get a mortgage or any kind of loan. For many people it's almost impossible.
If you thought working for an employer was the best option then it's time to reconsider, as new research shows self employed people work 10 hours less a week.