I also have a mobile/in-home business and just like Christine the biggest issue I have is the travel time between clients. The good thing is I charge what I think is right and it almost offsets the time lost going between clients (something I cannot do if I work for someone else). I also provide training at a local gym but I charge less to be compatible with the current rates, but the good thing is I don’t have to waste time between clients so that makes up for the difference. Working for yourself sometimes can be difficult to find clients and it costs more because you’ll have to join networking groups, pay for your own marketing materials, etc., something you don’t have to worry when working for someone else (even as an independent contractor). Also trying to know your competition can be somewhat time consuming. Today the competition is much higher from what it was even 5-6 years ago, so you have to be prepared the best way you can if you want to stay competitive.
I can’t say the above are struggles, but instead I will categorize them as challenges that need to be worked out if you want to make a good living out.