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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To quit work and be a SAHM?

188 replies

Eviolle · 31/08/2024 21:31

MIL and FIL sadly died young (both in their 60s) and have left DH and I in a position where we will have no mortgage, and a sizable (for us) amount of savings. We have two DC (3 and under 1).

We should have enough inheritance to really set ourselves up (holiday home time share, solar panels, sell our home and completely redecorate MIL'S larger home to move in to, electric car, savings for both DC). Combining the electric car with the savings from solar panels and the fact that we'd have no mortgage, we should just be able to live on DH's wage, however we would have to pay for nursery for youngest DC out of savings until she was 3 as we'd lose the free hours entitlement as I wouldn't be working.

I was thinking of quitting work next year when eldest DC starts school, and potentially never working in a particularly career minded way again. I could work casually in my current field, picking up occasional work once or twice a month with no difficulty and it would keep me up to date with current practices and training should I change my mind.

It would be a tight squeeze (we would still be able to save each month but less than currently), and if we had another CoL crisis or similar I'd have to return to work, but there would no immediate hurry because of the savings we'd have. DH is public sector, very safe job and final salary pension. I would be a few years shy of a full state pension but I'm only mid-thirties so would have time to pay in once DC are bigger.

AIBU to think this could work?

OP posts:
WednesburyUnreasonable · 01/09/2024 08:43

Sadmamatoday · 01/09/2024 08:33

They're just jealous or projecting. Housework is crap, so personally I would get a cleaner if you can, but obviously nothing can replace being with your children. No child would rather be in nursery than with their parents

Women have diverse life experiences and views, and can disagree with / be unpleasant to each other - especially on issues as absolutely central to their lives as this - for reasons other than jealousy.

I have no doubt some women on this site would look at my decision to work full time with a toddler with contempt, and equally little doubt that those are their sincere beliefs (albeit ones I think are junk) and not just jealousy.

Anyway, I don’t want to derail OP’s thread - I would never personally do this so have nothing insightful to offer on the practicalities, sorry! - but these threads always descend into a chorus of people insisting others are just jealous, and I don’t think it’s useful tbh.

moppety · 01/09/2024 08:40

Well at the end of the day if it's what you want and it works for the family then go for it. It's your life, not anyone else's, and everyone will have a different decision-making process.

Just make sure you are accounting for everything and maybe do a proper budget (MSE has a good template). We put a pretty big chunk aside every month for non-monthly things (car maintenance, home maintenance, haircuts, dental stuff). It wouldn't be obvious when looking at a month's bills or direct debits, but the money for it all has to come from somewhere, so just make sure you have an absolutely accurate picture of your monthly money needs (including the stuff that doesn't necessarily have to be paid every month but that has to be paid for at some point).

Eviolle · 01/09/2024 08:36

moppety · 01/09/2024 08:28

We are about to be in a similar financial position due to inheritance: mortgage paid off and a big chunk of savings. But personally I feel like working part-time is the best solution for us (and me individually).

I still want to earn money, I want to make sure our DC can have uni paid for and a house deposit, that I can pay into a decent pension, and that we can do nice holidays and go places and not have to be as frugal.

My 2yo has two days of nursery a week (5yo is at school) as I work one weekend evening too so don't need childcare there, so that seems like a good balance to me and she enjoys nursery (and I enjoy my work, which is perhaps the difference?).

Money is freedom for sure but freedom for me isn't penny pinching to afford holidays and Christmas. To me it sounds like quality of life would be degraded for not that much benefit if you're both already around a lot anyway. I'd just use the money to afford more life experiences for the kids and get a cleaner etc. I'd rather work than clean my house and do domestic stuff.

I think there's a difference between being a SAHM because it's for the kids and being one because you don't like work. Both are fine choices but the latter one, I think some people then struggle with the intensity of being at home all the time.

We can set money aside for both DC and still have a 6 figure savings balance for ourselves. We would be able to go on holiday 4 weeks a year, but we would need to put money aside each month for Christmas and birthdays, which I think most people do? We would have enough with DH wage to put aside around £500pcm in savings so if we did suddenly decide we wanted to go somewhere for a fancy day out, we could potentially skip a month.

We have lifetime NT membership, we plan to pay for annual tickets to various places as the year goes on so it's a rolling monthly expense, and we would also have spending money each, per month, as fun money for both of us.

That's what makes it a bit of a tight squeeze, that I've included all of these things into the budget. It's not just bills being covered.

I'd rather be at home, as much as I do enjoy my job, I'd rather look after my family and home, if possible. And I'd still work 2-3 days a month to keep my skills up in case I decided to go back later.

OP posts:
Sadmamatoday · 01/09/2024 08:33

Eviolle · 01/09/2024 08:30

Thank you. I am surprised the number of people belittling what SAHP do/ suggesting to 'just get a cleaner' implying that's all I'd be doing/ I'm not contributing to society, then compared with the number of threads here where people complain their DH doesn't do enough and they're exhausted and they are told that they're doing too much at home/ house work and childcare is work and it should be split evenly.

However, apparently making the decision that yes, housework and childcare is a job, and I'm going to do it instead of working, is some heinous crime and I'm being selfish and my DH will resent me. You can't win if you're a woman can you!

They're just jealous or projecting. Housework is crap, so personally I would get a cleaner if you can, but obviously nothing can replace being with your children. No child would rather be in nursery than with their parents

Teentitansgo · 01/09/2024 08:33

Im actually not sure what I would personally do in your situation for lots of reasons but you sound like you've made up your mind and are both happy with your decision, which is absolutely fine.

The thing that massively sways my view for you personally is your nursing background. You obviously know better than I do but from my (admittedly uninformed) position this really is one of the few careers that is the least risky to have a break from. And if you need or want to work once they are at school then there's the opportunity to work full shifts on the days your DH is off.

The main thing for me is keeping lines of communication open. Despite being in a position of privilege I do think there are still areas where resentment could set in, depending on what you both decide to do in the longer term. You both need to be vocal about any little niggles before they become bigger.

Also sorry to be obvious but making sure you've done a proper budget that includes accounting for absolutely everything (Martin Lewis has a tool).

Eviolle · 01/09/2024 08:30

Neveragainisaid · 01/09/2024 08:23

I'd do it. There will always be those who are jealous that you can do this and they can't, and others who won't give up their financial independence (can't rely on a man etc), what are you contributing to society, and so on.

I've heard them all over the years. Have always been a SAHM and never regretted it. DH and I are, and always have been, a team and for various reasons it made sense for us to do this. He goes out to work and I do all home stuff. If it's right for you then go for it. Life really is too short.

Thank you. I am surprised the number of people belittling what SAHP do/ suggesting to 'just get a cleaner' implying that's all I'd be doing/ I'm not contributing to society, then compared with the number of threads here where people complain their DH doesn't do enough and they're exhausted and they are told that they're doing too much at home/ house work and childcare is work and it should be split evenly.

However, apparently making the decision that yes, housework and childcare is a job, and I'm going to do it instead of working, is some heinous crime and I'm being selfish and my DH will resent me. You can't win if you're a woman can you!

OP posts:
moppety · 01/09/2024 08:28

We are about to be in a similar financial position due to inheritance: mortgage paid off and a big chunk of savings. But personally I feel like working part-time is the best solution for us (and me individually).

I still want to earn money, I want to make sure our DC can have uni paid for and a house deposit, that I can pay into a decent pension, and that we can do nice holidays and go places and not have to be as frugal.

My 2yo has two days of nursery a week (5yo is at school) as I work one weekend evening too so don't need childcare there, so that seems like a good balance to me and she enjoys nursery (and I enjoy my work, which is perhaps the difference?).

Money is freedom for sure but freedom for me isn't penny pinching to afford holidays and Christmas. To me it sounds like quality of life would be degraded for not that much benefit if you're both already around a lot anyway. I'd just use the money to afford more life experiences for the kids and get a cleaner etc. I'd rather work than clean my house and do domestic stuff.

I think there's a difference between being a SAHM because it's for the kids and being one because you don't like work. Both are fine choices but the latter one, I think some people then struggle with the intensity of being at home all the time.

Neveragainisaid · 01/09/2024 08:23

I'd do it. There will always be those who are jealous that you can do this and they can't, and others who won't give up their financial independence (can't rely on a man etc), what are you contributing to society, and so on.

I've heard them all over the years. Have always been a SAHM and never regretted it. DH and I are, and always have been, a team and for various reasons it made sense for us to do this. He goes out to work and I do all home stuff. If it's right for you then go for it. Life really is too short.

Viviennemary · 01/09/2024 08:17

Cut down to two or three days a week. Or retrain for a different career. Up to you in the end. . I wouldn't want to be an SAHM spending all day doing housework and childcare. Nightmare. I might have considered it if I had a full-time nanny and cleaner.,

Frowningprovidence · 01/09/2024 08:13

As you are a nurse I can see how it is realistic you can do bank, keep you registration and not damage your career and get back into it easy enough.

I also think nursery isn't just childcare for work, it's socialisation and routine. I agree it woukd be confusing to be in nursery, out of nursery and then back in nursery again if it's the same place.

Peakpeakpeak · 01/09/2024 07:52

Eviolle · 01/09/2024 07:46

Because days are so long, I haven't looked too far afield, I certainly could look the next county over though, that's a very good point and something I hadn't thought about. Thank you.

No problem. I just thought, a commute that you do once a fortnight can potentially be longer than one you have to do several times a week.

Eviolle · 01/09/2024 07:48

Wondering101 · 01/09/2024 07:39

I did it for the same reasons as you. Although it was my windfall that facilitated it. My husband became resentful and unkind. I was treated like a home slave. I had no independent life away from him. He became more and more abusive. I finally got out of the marriage and had to claw my way up the career ladder again. Hopefully your dh is nothing like my ex but I would advise keeping some sort of work going even as you say it’s casual to give you a sense of independence and confidence. Good luck

Edited

I would be very surprised if DH behaved like this, but then I suppose we all would be wouldn't we. I will be working 1-2 days per month in my current field and this would be easy to scale up before finding a permanent job, if needs be.

OP posts:
Eviolle · 01/09/2024 07:46

Peakpeakpeak · 01/09/2024 07:44

Fair enough. I'm guessing you've looked at the various options locally, ie next city/town/county over rather than just the one where you are now? If so, and it's definitely not going to be an option, maybe casual is the only way to get what you need. If it's the job I suspect it is, you aren't likely to have problems coming back to an employed role later on if wanted.

Because days are so long, I haven't looked too far afield, I certainly could look the next county over though, that's a very good point and something I hadn't thought about. Thank you.

OP posts:
Eviolle · 01/09/2024 07:44

DreadPirateRobots · 01/09/2024 07:36

You need to incorporate in your planning:

  1. what happens if your DH dies
  2. what happens if your DH becomes seriously ill and can no longer work
  3. what happens if your DH fucks off
  4. what happens if you become unhappy in your relationship, or your DH becomes deeply complacent, and the power balance shifts in a way you don't like (it's been known to happen when a woman SAH).

If you're financially covered in all those scenarios, and have the prospect of being able to support yourself and your kids in the future should the current arrangement end for whatever reason, go for it.

Edited

Thank you.

We have very good health/death insurance (the word escapes me this morning, you know what I mean) but could look to bolster this.

If DH could no longer work and was very unwell, I would go back to work, depending on his condition/what care and support he needed.

If he leaves I have separate savings, and I'd have to go back to work.

Not sure about the last one, but assuming we then divorced, it would be as above.

OP posts:
Peakpeakpeak · 01/09/2024 07:44

Eviolle · 01/09/2024 07:39

That's a fair point. 🙂

I would only want to do one shift a week, at most, I'm potentially looking at one per fortnight, and managers I have spoken to aren't happy with employing me for such a small amount of time when I can do it casually.

Fair enough. I'm guessing you've looked at the various options locally, ie next city/town/county over rather than just the one where you are now? If so, and it's definitely not going to be an option, maybe casual is the only way to get what you need. If it's the job I suspect it is, you aren't likely to have problems coming back to an employed role later on if wanted.

Eviolle · 01/09/2024 07:40

Simonjt · 01/09/2024 07:33

This we both work three days a week, we aren’t the most organised of people, we have hours upon hours of free time after cleaning, laundry and cooking. If one of us decided to be unemployed and to send the kids elsewhere to be looked after the unemployed person would have essentially nothing to so for hours on end.

Good for you. We don't have hours and hours free. So, there you go.

OP posts:
Eviolle · 01/09/2024 07:39

Peakpeakpeak · 01/09/2024 07:22

YABU to describe being self employed and picking up work twice a month as being a SAHP. It would be a switch to a different mode of work.

I don't think it's necessarily a bad thing to take your foot off the pedal a bit at this stage, especially if it's something you can easily get back into later. My question is, do you have to leave the security of a part time public sector employment contract in order to work as little as you want to? Because if they'd let you do, say, a shift every week or so, I'd go for that in preference to being self-employed.

That's a fair point. 🙂

I would only want to do one shift a week, at most, I'm potentially looking at one per fortnight, and managers I have spoken to aren't happy with employing me for such a small amount of time when I can do it casually.

OP posts:
Wondering101 · 01/09/2024 07:39

I did it for the same reasons as you. Although it was my windfall that facilitated it. My husband became resentful and unkind. I was treated like a home slave. I had no independent life away from him. He became more and more abusive. I finally got out of the marriage and had to claw my way up the career ladder again. Hopefully your dh is nothing like my ex but I would advise keeping some sort of work going even as you say it’s casual to give you a sense of independence and confidence. Good luck

Eviolle · 01/09/2024 07:36

Sadmamatoday · 01/09/2024 03:31

I think it sounds amazing, I hope you do set aside a decent chunk for uoir daughters futures as well

It's the first thing we're doing, before we put anything aside for ourselves. 🙂

OP posts:
DreadPirateRobots · 01/09/2024 07:36

You need to incorporate in your planning:

  1. what happens if your DH dies
  2. what happens if your DH becomes seriously ill and can no longer work
  3. what happens if your DH fucks off
  4. what happens if you become unhappy in your relationship, or your DH becomes deeply complacent, and the power balance shifts in a way you don't like (it's been known to happen when a woman SAH).

If you're financially covered in all those scenarios, and have the prospect of being able to support yourself and your kids in the future should the current arrangement end for whatever reason, go for it.

Peakpeakpeak · 01/09/2024 07:36

Surprised people are assuming 3 days a week means not FT. I'd have thought it was common knowledge that loads of jobs follow the fewer but longer shifts model.

Eviolle · 01/09/2024 07:36

blueshoes · 01/09/2024 01:32

What @BaselineDrop said.

No one regrets spending less time with kids but people can regret not making more of their lives. Sure if you are burnt out at work, cooking, cleaning and chillin' whilst the children are young can sound like a dream. Other than childcare, money is not a big deal then, so you can live off your inheritance. It seems a waste to me to stay at home to do housework at leisure when the opportunity cost of current and future earnings is so great. But that is OP's choice.

It is when the children are teenagers that the tables are flipped. That is when mothers like me who kept their hand in and have got promotions over the years feel so very glad we did not take our foot off the career gas now that the children are leaving for university. Money at this stage buys dcs so many financial and career options, including for me to step down if I need to, if they need me badly because teenage/young adult problems are much more difficult and expensive to fix than scuffed knees. Often only parents can do help with these issues. There is also a yawning gulf between parents who can fund university and provide their dcs with substantial deposits for their first homes and parents who can't or don't.

Personally 220K is not a big amount. I would not retire on 220K much less if it was going to fund me to SAHM for more than a decade.

Parenting is a long game. It is not just when dcs are young. I would set my sights on the longer horizon than the immediate foreground. Personally OP you are young and have gas in your tank. Don't bail so soon. You would still be looking after your dcs if you worked.

We wouldn't be living off inheritance, we'd be living off my husband's wage, the inheritance would remain in long term savings apart from a smaller amount kept in easier access accounts in case of emergencies.

There is limited scope for promotion in my role, so I am never going to have huge promotions and earn enormous sums of money. Even if I left for 10 years, I could still come back to my current place of work, have a promotion, and be at the 'top of the tree' before I retired.

OP posts:
Simonjt · 01/09/2024 07:33

Justalurker1 · 01/09/2024 00:56

So the husband only works 3 days as it is, you don’t work full time anyway, the kids are in childcare… god help you both if you had to deal with what actual full time workers deal with!

Also if kids are in childcare/school you’re not a “stay at home mum” you’re just a “stay at home… person” just admit you can’t be bothered or don’t enjoy working and go ahead and quit. You already made your mind up before posting!

This we both work three days a week, we aren’t the most organised of people, we have hours upon hours of free time after cleaning, laundry and cooking. If one of us decided to be unemployed and to send the kids elsewhere to be looked after the unemployed person would have essentially nothing to so for hours on end.

Eviolle · 01/09/2024 07:29

Justalurker1 · 01/09/2024 00:56

So the husband only works 3 days as it is, you don’t work full time anyway, the kids are in childcare… god help you both if you had to deal with what actual full time workers deal with!

Also if kids are in childcare/school you’re not a “stay at home mum” you’re just a “stay at home… person” just admit you can’t be bothered or don’t enjoy working and go ahead and quit. You already made your mind up before posting!

3 days a week for my husband is over 36 hours a week, that is full time. Eldest (and then youngest when they both go) only to to childcare on the days DH is at work.

I enjoy my job a lot, but it is high stress and complex, and leaves me exhausted at the end of the day, as does DH job.

I would say that Mums who are at home when their children are at school are stay at home parents, so that's what I'm saying, and hopefully doing.

OP posts:
Peakpeakpeak · 01/09/2024 07:22

YABU to describe being self employed and picking up work twice a month as being a SAHP. It would be a switch to a different mode of work.

I don't think it's necessarily a bad thing to take your foot off the pedal a bit at this stage, especially if it's something you can easily get back into later. My question is, do you have to leave the security of a part time public sector employment contract in order to work as little as you want to? Because if they'd let you do, say, a shift every week or so, I'd go for that in preference to being self-employed.