What should I tell her?

Mindspace

I would say find extra work and put in 7 days, I'm sure you'll find the benefit in the long term i.e when your wife finishes the course and earn much more than what she's earning now.

Good luck!!!

(Land_of)_Maz

Hey Westie,

some people are posting some fairly blunt comments on here tonight.. eeek! Sometimes the black and white text can be misleading and i'm sure they don't mean to come across that way.

well done you for seeking advice before going into a potential minefield. You know your wife best and you know most likely how she will react. You'll handle the conversation just fine.....

some good points from some posters on council tax reductions, interest only mortgage payments etc so be sure to check those out.

Poor Mrs W for getting sick on holiday, she might be entitled to some kind of sick pay even if it's just SSP. Maybe she needs to stop working altogether for a while. Not condoning living off the state but it might give her her health, you your sanity and sometimes it's financially do-able. Short term option to give Mrs W a chance to recover fully, okay she will still need to study but from home with no pressure of work commitments?

Take care of you, and don't be put off by some harsh posters, it's helpful sometimes and hurtful others, cruel to be kind an a' that!

Jacks_xxx

Hiya sweetie,

Money problems are such a stress in relationships huh?

Is there anything that you can do to make up the money you're missing because of the 6 hour shortfall in your wifes working hours?

I don't know what her hourly rate was like but 6 hours a week sounds like such a small deficit to be talking about giving it all up - when she's been working so hard at her course and her job that she's made herself ill. (She must have been doing a heck of a lot of hours with course work as well as her placement and the care home?) :eek:

I can't really give you any advice on how to talk to your wife about how you feel...All I can suggest is that if you post a full SOA we will all find ways for you to save money on what your spending out now.

The Old Style board is fab for saving money on your supermarket shopping too.

I'm ever so sorry that I'm not being more help.

Love Jacks xxx

westie666

liney wrote: »

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.

I should have mentioned the holiday had been paid for by her parents, as she was going through a tough patch at uni. (comment on a networking site that snowballed for no reason)

W666

westie666

madsmum wrote: »

Have you considered an interest only mortgage?

We are currently in a fixed rate intrest and capital mortgage. Suppose I could phone and ask.

W666

westie666

kathy206 wrote: »

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

Thanks for all the advise Kathy, to answer your questions :-
no PPI, recently went through utils etc, taking packed lunches.

Will post SOA soon, bit busy at the moment

westie666

madsmum wrote: »

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

HTH

MM

Was thinking this myself. Will ask soon...

westie666

sashacat wrote: »

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.

As mentioned in a post I have places about 5 mins ago, Monther and Father in law paid for the hols.
Holiday insurance has already paid out for hospitalisation abroad.

W

westie666

Tashja wrote: »

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

Thanks for you view, but the course she is doign will not effect her pay grade at all.
All te course enables her to do is to work with babies/young children.

There would be no financial gain at the end.

W

westie666

Jacks_xxx wrote: »

I don't know what her hourly rate was like but 6 hours a week sounds like such a small deficit to be talking about giving it all up - when she's been working so hard at her course and her job that she's made herself ill. (She must have been doing a heck of a lot of hours with course work as well as her placement and the care home?)

Thanks Jacks for the support,
The 6 hours does not seem much of a deficitm but the pay rate is about 40% less now than before.
So in effect the reduction is 40 % less per hour + less hours per week, acutaly works out to be nearly 30ish % of what she was getting. which is about 50% less than what we need to live on.