Year Three of the "planned" collapse...

We will be getting a bit of work in now; but for the old wage earner it seems that running a business and paying professionals to get going leaves you with less than the minimum wage. Which if you think about it, is only legal if you own and run a business.
You look back at your acquaintances who think you are having the time of your life playing golf or playing with the kids whenever you want - a real life of ease. In reality you sweat yourself awake for long periods in the cold grey night worrying if you should tell your partner that we are moving to a much much smaller place. However; on the good side those big orders promised are just around the corner, the redundancy money is a small stain left in the bank account, but then you could borrow from the savings and holiday fund as long as you put it back when that big order comes in. Who is lying to who here?
But like all things when it comes down to it that big order coming good was more hope than judgment and it you've just heard that it went elsewhere to someone who has a minimum of three years accounts; which you so obviously don't.
One small mercy is that you have not earned enough to pay any tax and the accountant informs you that you should be able to carry over this years loses to next year when you will make a profit. Anyway you loaned the company your money and now you are the largest creditor so if it goes down it now takes you with it...