Three years to get debt free

Buffythedebtslayer

Which ever of the jobs is going to hurt your back don't do that. 

Do any of the jobs reaaaallly interest you? Any of them offer you a chance to really improve things? Anything you are passionate about? 

XX

Willowtree222

Parkyp said:

How did you survive financially when you went down to four days having the Monday off, can’t remember the reason why that stopped. 

Would you maybe qualify for tax credits (not sure if it’s still called that) if you reduced your hours. 

I didn’t, but since then I’ve reduced my bills to a point I could manage on 4 days x

Willowtree222

stymied said:

If you can get fill in work to keep you going then I would avoid the job you really don’t want to do (is that your current job?)

Are you sure there’s not 4 days available of the part of the role you want to do?

Yes, that’s my current job, and the full time job would be the same.

I’m not sure about 4 days, I’ll have to ask if that’s a possibility but without the elements of my job I don’t like. 

Willowtree222

Buffythedebtslayer said:

Which ever of the jobs is going to hurt your back don't do that. 

Do any of the jobs reaaaallly interest you? Any of them offer you a chance to really improve things? Anything you are passionate about? 

XX

I love some parts of my role and those are the bits that would continue but I’m still not sure long term this is for me anymore. It would at least give me some stability, enable me to pay off the loan, enable me to save. X

stymied

Upping the % of the job you enjoy might give a new lease of life to the job. Sounds like it would be worth exploring the possibility.

Willowtree222

Thank you everyone, and please feel free to keep adding.
3 days would be a struggle financially. I wouldn’t get benefits either.  That doesn’t mean I can’t do something for the other two. I’d just need to make sure I was working one day a week elsewhere.

4 days would likely be exposing my back to risk and that’s not what I want. 

I’ve made significant changes since I last tried to do 4 days. I know I could manage on this pay.

X

Willowtree222

stymied said:

Upping the % of the job you enjoy might give a new lease of life to the job. Sounds like it would be worth exploring the possibility.

Thank you, I could possibly request day 4 and see what is said but without the bit I really don’t want to do. 

I’ll need to ask if that’s a possibility. 

X

BellaLasagna2018

What about doing 3 days a week in the role you want, then one day a week supply through an agency? I know there are no guarantees with agency work but it might give you some flexibility as well as extra cash? 

Willowtree222

BellaLasagna2018 said:

What about doing 3 days a week in the role you want, then one day a week supply through an agency? I know there are no guarantees with agency work but it might give you some flexibility as well as extra cash? 

Yes, that’s an option. Something I would consider. I’d make sure though the 3 days involved non childcare to reduce bills further. 

Honeysucklelou2

I used to work as a full time teacher and reduced my days to 4 when I had my youngest child, which I did for a few years.  Due to the complexities  of juggling single parenthood of a large family, a difficult legal battle and teaching, I cut back to 3 days a week for a couple of years and have now gone back to full time. I found a 4 day a week salary  just about ok ( bearing in mind my salary was having to cover lots of us). Cutting back to 3 days was tough financially and was one of the reasons I got a second job. Could you work 3 days a week within education and branch out with your art / craft interests as a self employed business? Or work 3 days a week as your main role and pick up supply for the remaining 2 days as and when you want the work?