So by way of background I’ve recently gone back to work full time, I’m out of the house from 8am-6.15pm every day- my LO 20months goes to nursery 2.5 days a week. I would say we aren’t doing badly financially but the cost of nursery, an increase in council tax and now the bastard increase in pension contributions is taking a huge chunk out of our income.
This weekend it’s really struck me how hard it is working full time with a toddler, there’s no time to do anything, every room in my house is a shit heap (despite cleaning constantly), my ironing has now engulfed our third bedroom and I feel so guilty not spending enough time with my LO at weekends.
So I’m thinking of opting out of my pension with work (you can only opt out, you can’t reduce the % contribution)- just until my LO is 3 and some free hours kick in. I’d use the money towards a cleaner/ ironing lady. I’d obviously lose out on the contributions from my company over that time but I think it would be a life saver- am I looking at this wrongly?
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To choose a cleaner over a pension
125 replies
OnlyFoolsnMothers · 30/03/2019 18:57
OP posts:
EvelynShaw ·
30/03/2019 19:20
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Message withdrawn at poster's request.
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