Homers, homers, homers... give up some of yer evenins, weekends, like the boys say. I done it for years, get in from work then go back out in the evenin and weekends. It will pee you off no end but the wee jobs start leading to bigger jobs and gets your name out there, then you start to realize you need to think about certifying some of the work!
I was knocking work back because I wasn't happy signing it off and that was when I decided to make the leap.
Some things seem scary but aren't really. My Public Liability insurance this year was a fraction under