Social worker Alison Napier has written an interesting piece in the Herald against individual budgets.
You too can have a staff, select them, pay them, learn about tax and superannuation and public liability insurance, sort out holiday and sick-leave cover when they are off, sack them if they're rubbish, see them in court if they feel they have been unfairly dismissed.
Napier says individual budgets work for some but not for others yet social workers are duty bound to promote them. The article is well worth a read.