45 years relentless work

15k wouldn’t last me 6 months never mind 6 years. But then I do rent and have autistic children who need a million thing’s replacing each month on top of regular kids stuff. I know someone on their pension who gets this amount per annum (mortgage free) but again as thrifty as they are there’s no chance it would get through years of payments.

Either change jobs or cut down, it’s simply not feasible.

Have you got a private pension and are you old enough to collect it?

Could you go part time in your current job?

Change jobs at least! It's no good hating your job. I love mine.

@FireflyJar - would you employer not consider a 6 month sabbatical? You get to recharge and come back refreshed knowing you only have a few years to go, then can concentrate on your savings/being mortgage free.

The 6 months can be a trial retirement and you may learn a lot about how you want to spend your actual retirement..

Find a fun job that's completely different. A retirement job. If you like gardening, work in a garden centre, if you like dogs, be a dog walker, if you like coffee, work in a little cafe. That sort of thing. Part time shift work- shake it up a bit!

This

I know exactly how you feel. I started working in 1985, expecting to retire in 2026. Nope the bastard government's have moved it twice and now I'm going to reach state pension age in 2033. Bastards!
I got made redundant last year from a part-time job just getting statutory minimum and it wasn't enough to retire early. I'm also an older parent so I still have a teenager draining my resources. As a result I've had to go back to work. In order to build up a stash of savings I'm now working full time for the first time since before the teenager was born.

I just don't know how much longer I can face being told what to do for 8 hours a day, 5 days a week!

You can't leave your job because you are exhausted and expect your husband to carry on in his to keep the family afloat

At least not without sone serious conversation

You can’t live on £15k for six years, especially while you’re still paying your mortgage for one of those.

But you can definitely leave your job and find something else that’s less relentless even if not as well paid. And you can take a break for a few months before you do that.

Just get a part time online job in the industry that you've worked in for 45 years

They'll bite your hand off

Sorry, just spotted your previous post.

£15k doesn't sound like very much. Not enough to take you up to 67..... with or without a mortgage. Have you a private pension you can tap into?

Could you go part time?

It’s not about something being “good” or “bad” it’s simply whether you can afford it.
With your bare basic bills and no wiggle room or money to spend on anything else your savings won’t even keep you going for a year and a half.
So if you quit work you need to be realistic about your finances.

Why not just look for a part time job? Can you reduce your days in your current job?
You would have a lot more free time but still be able to survive.
The reality is with only £15k and a mortgage to pay you don’t really have the luxury of just quitting your job and hoping for the best.

I know how you feel. I am 55, at least 20 years older than most people i work with. Been working 37 years full time, with another feckin 12 to go!
Honestly could you pay off the mortgage with savings and work part time to cover bills?

Op why not make a plan to have a 6 mth sebatical next summer and travel.

You definitely can't quit with just £15k savings unfair to put that pressure onto your DH. £15k is an emergency fund.

Get the mortgage paid off, then start savings so that hopefully you can retire early rather than government pension age

I've done 40 years in the NHS. 6 to go before retirement and I am DONE. Unfortunately I have to do those six years as I have 6 years to go on my mortgage thanks to stupid ex H ruining my retirement and our marriage and now regretting it but I won't have him back but I'll get there and so will you!!! Keep going. Don't spend all the money.

Start looking for part time work before you hand your notice in...

Part term can be great! It's often better financially than you'd think - you may drop into lower tax bracket so proportionately you earn more. If you work 2 days a week that might give you enough to keep everything ticking over (especially Inc mortgage is paid) but having 5 days off in a row is great! Having free time is more fun if you still have money for treats....

Why not take 6 months? Life is too short to be miserable at work
Take a risk.

What is your pension situation? Just state pension or do you have a private pension too?

You need to be honest about how much of a change in lifestyle you are prepared to make.

Don't forget if you don't have a job you will have a lot more free time - more tempatation to spend.

I would use my 15k to pay off the mortgage and then look for a part-time job that I enjoy.

Cafe worker, Shop assistant, dinner lady if you like kids, my sisters trust is crying out for HCA with no prior experience necessary, prison service again no experience necessary.

What work do you do?