I've been in business 21 years now & you're in the difficult time now kdal. It's much easier after you get a client base & reputation.
To compound your problem, Florida is loaded with retired tradesmen who made great pay & full benefits throughout their career & are now working to get out of the house & make a little spending money. This is undercutting your business. It makes everyone a little hugrier for work.
It's your challenge to figure out your expenses & what you need to stay in business. As for your estimating, by your own admission you need to double your current estimates. Try tracking your time & when you estimate, break a job down into very small pieces & estimate them as small pieces, then add them up plus a little pad for safety.
If you need any help, email me.
Dave
