What should I tell her?

misty

Do you have children? have you looked into getting tax credits etc. Are you getting the single persons discount on your council tax? As a full time student your wife doesn't pay council tax and you then get the 25% discount. Is your wife perhaps entitled to the adult learning grant? Your wife needs to see student services at her uni and check she is getting everything she is entitled to. There are also discount available to memers of the the NUS or nursing union. Have you been on the student forum of this site?

I would also post the SOA on the the relevant thread - some of the people on there can see things that you might not.

Can you take a mortgage break - or if you are renting move to somewhere cheaper. Unless you have a lot of debts - if there is just the two of you - I would guess there will be areas you can still cut back.

if your wife has been ill and is still carrying on - it must mean a lot to her - and if you can avoid getting into debt - it is not a long time.

playing devils advocate - a lot of partners resent it when their partner return to education - there have been lots of studies done on it - fear of being left behind - resentment about money etc - do you feel any of this applies to you? A supportive partner can make a big difference to a student - and in the future your wife's increased earnings will give you both an added income.

fay144

Personally, if my fiance was in your wife's situation, I would happily work seven days a week for him to continue, knowing that it is only for a year, and we would better off at the end of it.

My mum worked seven days a week for years - lots of people do - and it's only a short term thing for you. I think if it is impossible to continue, then leaving is a decision she needs to make herself - if you ask her to leave it's very likely she will resent it.

If she needs to take a break from uni for health reasons, that's another thing completely.

liney

11 months is nothing. The fact you have been on holiday recently tells me that you haven't cut back as much as is possible to enable her to do his course. Also, it is only 4 weeks since you returned, perhaps she will be well enough to do more hours soon.

Personally, for something this important, i would take a loan to cover the next 11 months.

cobbingstones

Hi

Sorry to hear of your wife's ill health. I hope it improves quickly.

Have you considered an interest only mortgage? We did this and it saved our skins!!!

best wishes

MM

kathy206

I have to agree with other posters that your wife may have difficulty holding down a full time job if she is unwell. Uni is very stressful but she is at least working regular hours during the week, so (hopefully) getting a good night's rest at least 5 nights a week which (hopefully) will speed up her recovery, as opposed to shift works and the good old late/earlies when you feel like you may as well have slept at work for the amount of sleep you get in between.:mad:
You say your wife has been unwell now for about the last 4 weeks, do you have any PPI's that could help with the payments on some things? Could you perhaps cut back/ebay/switch energy supplier/phone provider to help shave a bit off the bills? Even packed lunches to work and shopping lists and meal planning could help until your wife felt a bit better.
It would be a real shame for your wife to pack in the course now she is almost half way through or maybe she could defer if things are that bad?
More importantly hope your wife feels better soon. Let us know how you get on
Best Wishes
Kathy

cobbingstones

forgot to add that your wife may be able to defer for a year.

HTH

MM

Glad

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RAS

westie666 wrote: »

The course my wife is doing is a conversion course, she is already a qualified nurse, but is training to pediatrics...the course started in Jan this year, and finishes in July next.
Thanks also for letting me into a little of your life, but I really think financially she needs to work for the time being. Also I have reduced our outgoings as far as possible.

I will ask about the hardship fund though, maybe just maybe

Westie

There are defined points in the academic year when you wife could suspend her studies for a while without upsetting her long term prospects. So if she was to stop just before a load of assignments were due, it would waste the whole year's work. If she suspends her studies after the assignments are handed in, she can return 6 month or a year later.

However, I am far from sure that you have covered all bases on getting extra money.

For a start, have you applied for working tax credits? Council Tax rebates? Go to www.entitledto.com and check your situation out.

Emma makes some good point re funding but most areas have now stopped secondments and your wife may not be on a bursary. If she get a bursary, then access to some hardship finds may be limited. But your starting point would be to go through the finances with her (in this day and ages, how is it that you run stuff and she does not know?) and suggest that she goes to her course tutor and see a student financial advisor to find out what help is available.

As others have suggested, if your concerns are more than financial, then you need to address those.

sashacat

Westie, why did you go on holiday if you are so broke, and was it abroad? Can you claim on the holiday insurance for your wife's illness? Hope she's better soon.

Tashja

Hi hun

The only worry I have is that she does what you want and sytops her course to start work then in 1 year she goes back to her course - whats to say you won't struggle financially then as well (due to some other unforseen circumstances) - will you want her to stop her course for another year while you get on track ???

11 months isn't forever - I would ride it out nd let her get her qulifications and then a better paid job.

T xx