Even if you’ve got someone lined up to be your ETM, it’d be worth spending the £128 for a copy of EOS TMCPC notes; Chapters 5 (Financial Management) and 14 (Vehicle Costings) would be reason enough to own a copy
eostraining.com/product/roa … tudy-pack/
These guys are very geared up towards owner-drivers, and are largely about finding the all-important back-loads you need to turn a profit.
returnloads.net/becoming-an-owner-driver/