what to do now

Mojisola

affordmylife wrote: »

I hate my job in education and am currently on sick leave. I have been looking at alternative sources of income but have realised that I am going to have to take a pay cut.

My problem is hubby is not so sure and really wants me to get a proper job.

I feel like I want to take a step back from pressure and take something steady and perhaps a little dull just to get back on my feet. I want to take ownership of a job done well and be proud of myself again rather than feeling like a massive failure.

Really the money isn't that important. I have realised that how I feel is more important that another new top/pair of shoes/meal out x

Is it the job that is making you ill?

Given the choice of a spouse earning a bit extra and being made ill through stress or earning a bit less and being happy, I'd be supporting the second one.

You will have to do your bit and show him that you can make savings and keep on top of your debts. It's usually possible to make savings that you won't even notice if you haven't done things like swapping your utility accounts recently. Put a SOA up on the debt-free board and see what people can suggest.

Jojo_the_Tightfisted

Have you considered shifting into the lifelong learning sector?

Adult education is very different in some ways to crowd control. Class ratios are smaller, and the people are largely there by choice. With your skills, you're probably ideally placed to work with people who want to get their maths and English skills up to scratch.

A lot of positions are on a sessional basis, which means you don't have to commit to a full time permanent job, and you could do extra sessions as and when you felt able or needed to clear a bill.

Just a thought....

counting_down_the_days...

I'm in a similar situation, unfortunately I can't leave my job as I earn too much, but was looking to reduce my hours. Unfortunately, only YOU can make the decision. It's all very well people on here saying "I would do" or "I did" but each situation is different. I have young children, I'm thinking about my pension and I earn half the household income. You're situation is different, your OH appears to pay the household bills, you're looking to retire in the next few years.

It's good hearing other peoples thoughts, but remember, you must be happy with your choice, as it's you and your family who have to deal with the consequences.

Good luck on your decision, and I hope it makes you happier x

tesuhoha

I was a teaching assistant and loathed it but could not afford to leave work. I stuck it out till I was gradually assimilated into the school office. I loved that job but have since been made redundant. Is it possible with your knowledge and experience you could work in school admin.

Also at this time of the year schools and colleges are looking for exam invigilators. Its only temporary but perhaps a convenient stop gap to give you time to sort yourself out.

mrcow

If you've been working as a TA, have you considered registering as a self employed child minder? You're calling your own shots and the money isn't bad. With the special needs experience you have, it could really work in your favour.

Being tired of a particualr job doens't mean that you should throw all of your hard earned experience away. Cleaning as a profession is fine, but please don't think it's any less stressful than anything else in particalar.

If you're in a bad place, take the time to think about what you'd REALLY like to do, what you'd really like to earn and what you'd be prepared to do to get there.

pmlindyloo

Perhaps I am reading too much into this and am 'barking up the wrong tree' but...............

First of all, I totally agree that if you want to take a less stressful job and recharge your batteries and you can afford to do so then I think you should.

My concern is to do with your husband. On the one hand you say that he would like you to stay at home if you could afford to do so but is querying your suggestion about leaving your job.

So my thoughts are basically to do with money.

You say that you can manage if you took a 'drop' in income but also say that he is concerned about you earning less.

Do you think he is concerned that you will earn less but still continue to 'spend'? You mention your debt of £1000. Is through your spending on things for yourself?

Does he feel that you will run up more debt or deplete his money by continuing to spend when you are earning less?

As I say I might be totally wrong.

Most people would support their partners in the scenario you describe. Just wondering what is really stopping him giving you his full support?

If I'm on the right track then a sit down talk about budgeting etc might be a good idea.

Apologies if I am way off the mark.

Dovah_diva

To be honest, if you are expecting your husband to pick up the baton and be responsible for all bills, then you and he must agree. £700 a month is no small beer and while I agree that perhaps you should be looking to leave your job if it making you ill, it is unreasonable, in my opinion, to simply expect your husband to be the only one employed. Also, if you used to enjoy spending he is probably concerned that you'll be bored at home and start spending again - without an income.

You need to talk to him.

Brighton_belle

Perhaps this is the time to address "shopping as a hobby".
The best way to do this is to stop going to the shops unless you have specific needs written on a list, and no browsing.

In fact for anything you decide you want, be it online or in a shop decide to create a new rule for yourself that you will wait two weeks before buying - that will often eliminate the 'quick fix' need and the power of 'must have, must have' will probably have gone from that item by the time two weeks is up.

Mojisola

affordmylife wrote: »

I think hubby likes the £700 a month I bring in and admittedly anything else would bring in less possibly £500 instead.

If you address the "shopping for fun" and reassess your household bills, you could probably save that £50 a week so you could change jobs and not be any worse off.

sulkisu

affordmylife wrote: »

I think hubby likes the £700 a month I bring in and admittedly anything else would bring in less possibly £500 instead. however as im paying approx. £500 on my cc a month it doesn't really matter.

I don't think he really has any understanding of my skills to be honest. and he has always said if he could afford to he would love me to stay at home. its just that I have up until now enjoyed shopping x

Ok, so if I have understood this corrctly you have debt of £1000 and are paying £500 out of the £700 that you earn towards this debt.Therefore it will be cleared in two months time. This also means that your contribution to the household income has been £200 per month. Surely, the jobs that you are looking at will pay at least this amount - so you should be in the same financial position at least.