Hi everyone I'm new to this forum, my name is Suzanne and I've recently quit my job and decided to go freelance as a designer. I have a few jobs lined up through contacts and I've signed up with a few different agencies so there's no shortage of work. The problem is how to get paid for it. I decided to register under an umbrella company, I though this would be best because PAYE through the agencies doesn't make you as much money, and setting up a limited company is a commitment I'm not sure I want to make as I'm not sure how long I want to do this for. But having looked into it, I'm not sure these umbrella companies are such a good idea, one thing I didn't realise is that I have to pay employee AND employer National Insurance, this works out as a lot each week. I know it should be offset by the tax breaks, but as far as I can see the only tax break I get is millage allowance, which doesn't add up to that much. Is there other tax breaks I don't know about? Basically what i want to know is; would I be better off going PAYE with an agency, or is the umbrella company better? I though for sure the umbrella company would be better but now I'm not convinced, is there something I'm missing? Please can anyone explain this to me? I'm so confused!