Freelance /self employed panic thread

So it seems your net income is ballpark £30k a month, your expenses/spending is a very large fraction of that and you've got less than £100k in cash/whatever?

You can be forgiven for not foreseeing a massive global pandemic but it doesn't seem like £4k/mo from the government is going to make much of a dent in your problem.

As Howard says: financial planner, maybe they can salvage something for you