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Share your dilemmas and get honest opinions from other Mumsnetters.

To go part time when finances aren’t great?

233 replies

iwanttoworktwodays · 29/12/2024 14:22

There’s a long and complex back story here and so if I miss some information out it isn’t intentional.

I currently work three days a week, I want to reduce this to two, but still spread over three days - starting later and finishing earlier. This is mostly to allow me to do school drop offs and pick ups when my child starts school in September. It all falls on me, and although there is wraparound available it only starts at 8, my work starts at 820 and it’s a bit too tight. (There aren’t any childminders attached to the school.) So one way or another I have to be PT.

The problem is financially things aren’t great, it’s definitely the biggest source of tension in the house at the moment.

I have to admit I’m a bit torn with what to do. I’m not in a great place at the moment as I’m pressured at both work and home, but also don’t want to make any rash decisions if my marriage is shaky it seems foolish to reduce a source of income.

OP posts:
NoSquirrels · 29/12/2024 20:38

I don’t think what I earn makes a blind bit of difference to DH.

Except for when you have to ask him to contribute to groceries, or towards his own son’s birthday party.

I’m sorry you’re having to live like that, and you must be exhausted by it.

He’s not a generous man. The man you ‘knew’ before was a fiction because it’s easy to be generous if you don’t have grown-up responsibilities, just a girlfriend or partner with her own independent means.

You know that’s the issue, and belabouring the point won’t help.

In terms of what you do next, I suspect sticking at 3 days but working over 4 is probably the best option in both the short and medium term, until you can regroup and see what’s next after they’re both at school.

ChefBingo · 29/12/2024 20:37

iwanttoworktwodays · 29/12/2024 17:07

In theory that might work @Heronwatcher but I honestly can’t see my being appointed over a twenty five year old for a second in dept role. And I wouldn’t be very good at it, most importantly. I’d just end up on capability procedures.

And to be fair it doesn't sound like you want a management position. I don't blame you, a tonne of extra work for very little extra money and then if you make it to SLT your 1265 protection is gone. Im also on U3 and I have no desire to take on a management role ever again.

ChefBingo · 29/12/2024 20:28

If you reduce your hours, could you pick up a little bit of tutoring in the evenings a couple of days a week to make up for the lost income?

Heronwatcher · 29/12/2024 20:28

iwanttoworktwodays · 29/12/2024 20:10

You have to agree that DH is being an arse, I have nowhere to go currently and am in a very difficult position where keeping my hours the same or increasing them will put additional strain on me when I am barely coping as it is, but financially I need to earn as much as possible?

I mean, I can’t make it clearer, and passive aggressive side swipes at me just upset me and make me feel bad. Like I’ve said at least twice in the thread, hide it, don’t post on it, but using it to bitch about me in front of me if you like isn’t very pleasant.

Look I am sorry if it made you feel bad, it wasn’t my intention- I was just trying to make you see in stark terms what your life will be like for the foreseeable if you don’t address this behaviour.

You do realise that he’ll probably start with the outbursts about mundane spending/ financial guilt tripping with the kids pretty soon too? Kids are incredibly perceptive with their parents, you won’t be able to shield them and they’ll be walking on eggshells too. I know a family with a dad like this, one kid came to me in tears begging to buy them a new ice cream because they dropped theirs and they knew their dad would go mental about the waste of money. Mum was worse than useless, pretending that all was happy families. The child had severe anxiety now.

hettie · 29/12/2024 20:22

I think (hopefully) this thread has shown you you have far bigger problems than choosing whether to go more part time.
What do you actually want long term?
You say you can't raise things or talk about finances....What forever? How are you going to plan your futures? This is madness.... Really?
You'll end up financially and emotionally fucked....
So.... Better to get a grip now.
Would a divorce jolt the idiot into some kind of space where he'd contemplate the ridiculousness of this current situation? Couples therapy?....
What would you say to a friend relaying this scenario? Honestly? It's completely ludicrous and no amount of "yeah but..."negates it. You can't talk or plan about the basic fundamentals of paying for food/childcare.. You can't talk about work life balance/roles/parenting. It's not a relationship it's a fiction. I'm so sorry op but you and your children deserve so so much better and I'm so very sorry that you've managed to be hoodwinked into thinking this is acceptable.

PermanentTemporary · 29/12/2024 20:17

They might not though.... one reliable person would be all you'd need. They're not random once you know them.

Is there a TA at the school who could ever cover that 30 minutes if they did let you down? Presumably it does occasionally happen that a teacher is late?

iwanttoworktwodays · 29/12/2024 20:11

@PermanentTemporary problem with employing people, random people, is they let you down. No childminders do the school. My mum is dead.

OP posts:
iwanttoworktwodays · 29/12/2024 20:10

Heronwatcher · 29/12/2024 20:07

Yes I think I have to agree. Bringing it back to the original question if you really want to reduce your earning capacity when you’ve got a husband who goes mental when you ask him to buy some coffee for his own parents and apparently not enough in savings to pay for a couple of nights in an Airbnb then go for it.

You have to agree that DH is being an arse, I have nowhere to go currently and am in a very difficult position where keeping my hours the same or increasing them will put additional strain on me when I am barely coping as it is, but financially I need to earn as much as possible?

I mean, I can’t make it clearer, and passive aggressive side swipes at me just upset me and make me feel bad. Like I’ve said at least twice in the thread, hide it, don’t post on it, but using it to bitch about me in front of me if you like isn’t very pleasant.

OP posts:
PermanentTemporary · 29/12/2024 20:08

Right. I haven't read every single post because it's too painful.

In your circumstances I would find and employ someone or a range of people to do the school drop offs 3 days a week - sounds like you only need someone to cover about 30 minutes a day, max an hour. If that would be impossible on current income, I would get something- anything - on one of my non working days to raise some extra cash (probably a domestic cleaning job or something, 2 hours once a week).

I'd ask local friends/other parents if they would do it. I'd go to a childminder if I had to.

If that didn't work, I'd have asked my mum.

And then I would start to consider how the fuck my life got this way. But given my past history, I don't think I'd have left.

iwanttoworktwodays · 29/12/2024 20:08

I absolutely don’t know everything, and it’s been extremely helpful talking through everything on this thread; I’ve no idea why you’ve suddenly posted a sulky, petulant retort with no context.

I don’t know which of my answers have displeased you but I’m not actually bound to please you with any of them.

OP posts:
Heronwatcher · 29/12/2024 20:07

Brefugee · 29/12/2024 20:03

why are you asking a 2nd time then?

You obviously already know everyting. Do what you like.

Yes I think I have to agree. Bringing it back to the original question if you really want to reduce your earning capacity when you’ve got a husband who goes mental when you ask him to buy some coffee for his own parents and apparently not enough in savings to pay for a couple of nights in an Airbnb then go for it.

Brefugee · 29/12/2024 20:03

iwanttoworktwodays · 29/12/2024 18:12

I’d be able to support myself @Brefugee , I’d just rather not have to iyswim. Pension is fine.

why are you asking a 2nd time then?

You obviously already know everyting. Do what you like.

iwanttoworktwodays · 29/12/2024 20:01

Iceache · 29/12/2024 19:59

I’m also a teacher and in the last three weeks I’ve seen a 55 year old become assistant head, a 50 year old become assistant head and a 44 year old become department lead. I myself am finding I get passed over for those with more years (I have plenty of experience), so I think you’re looking at this all wrong. In this job, if you’re good and driven you won’t get passed by. I suspect you’re conflating ageism with a lack of drive; all the best professionals I know are hugely committed and of varying ages. But, that’s off topic.

I think you’re being defeatist about your job but I get that you’re in the trenches regarding the ages of your children. Your husband complaining about handing over his card to buy coffee when he earns 90k is madness. How do you think he’d be if you earned more and shouldered the financial burden to a further degree? Would he be more inclined to split things, or would his attitude be the same?

I don’t think it’s ageism. More that they have an enthusiasm and a passion for management that I don’t. You do seem to be ignoring the fact I don’t want a promotion, even though I’ve said repeatedly I don’t want to be promoted!

I don’t think what I earn makes a blind bit of difference to DH. At the moment he’s just not a bee in his bonnet which is buzzing loudly and frequently.

OP posts:
iwanttoworktwodays · 29/12/2024 19:59

Well - yeah, kids cost money. I do know that Wink

We don’t live a life where we go nowhere and do nothing. Obviously mine are only little but they do rugby and ballet (well, sort of moving around a bit to ballet music) swimming, we are going to a wildlife park this week and an event on NYE involving (fake) snow. And I’m paying for that AND childcare. So the scoffing that I’m so very stupid to think that not paying for childcare will make a difference is somewhat misplaced. If I went by your figures above (and at 44 I’m hardly likely to have a third, even if I wanted one) then that means I’m spending £700 a month, plus food and petrol etc. affordable enough even on part time pay which is currently around £2000 p/m. I also have another source of income.

OP posts:
Iceache · 29/12/2024 19:59

iwanttoworktwodays · 29/12/2024 19:19

@JHound i have been round the block a few times! In the last decade I haven’t seen anyone appointed to a senior position under the age of 40!

Second in dept jobs (which would be the springboard) tend to go to newish teachers, often in their twenties, with time to devote to the role. There’s often a lot expected in proportion to monetary reward but it’s a starting point, a springboard. I don’t have that time to devote to the role; I’d never compete with someone who did.

I’m also a teacher and in the last three weeks I’ve seen a 55 year old become assistant head, a 50 year old become assistant head and a 44 year old become department lead. I myself am finding I get passed over for those with more years (I have plenty of experience), so I think you’re looking at this all wrong. In this job, if you’re good and driven you won’t get passed by. I suspect you’re conflating ageism with a lack of drive; all the best professionals I know are hugely committed and of varying ages. But, that’s off topic.

I think you’re being defeatist about your job but I get that you’re in the trenches regarding the ages of your children. Your husband complaining about handing over his card to buy coffee when he earns 90k is madness. How do you think he’d be if you earned more and shouldered the financial burden to a further degree? Would he be more inclined to split things, or would his attitude be the same?

Heronwatcher · 29/12/2024 19:54

So I’ve just done a back of a fag packet list of expenses per month for my kids (I have 3, so obviously if you’re only ever going to have 2, just do 2/3)

Swimming lessons £400
Piano/ violin £250
Tutoring (Maths, the eldest missed approx 2 years of school because of Covid) £200
Brownies/ cubs £30
After school clubs (sports, art, choir- 3 days) £50
Uniform £30 (probably mostly in September)
Dinner money £90 (eldest gets £15 a week which covers 3 meals, younger 2 about £50 per term each)

Thats £1050 without the food shop (which is easily another £800 across the month), activities, any treats like a meal out and things like birthday presents, holidays, bikes, books etc. And the petrol I spend ferrying the kids around!

Obviously you don’t have to do all of this but I just don’t think that you putting an extra £750 in the pot is going to change things so dramatically that this situation will improve.

iwanttoworktwodays · 29/12/2024 19:43

@Heronwatcher i have nowhere to go and there’s no way I have ample spare cash for an air BNB. And nothing would ruin the effect of a walk out more than skulking back because I’m broke!

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iwanttoworktwodays · 29/12/2024 19:40

@JHound you’re in a completely different field though (forgive me; I just did a search!)

If I was actively pursuing promotions I would have to start off by getting through the interviews to obtain a role like second in dept or KS coordinator. Hardly any extra money; lots of extra work. Oh and full time, which I can’t do. And then I’d have to do that for a few years. Then pursue a HOF role, when I was pushing 50 and competing with people around the thirty mark.

And … I don’t want to. I’m just not interested in it. I’m sorry if that’s the ‘wrong’ answer but it’s the honest one.

It isn’t possible or practical and even if it was - it isn’t something I want.

OP posts:
JHound · 29/12/2024 19:35

iwanttoworktwodays · 29/12/2024 19:19

@JHound i have been round the block a few times! In the last decade I haven’t seen anyone appointed to a senior position under the age of 40!

Second in dept jobs (which would be the springboard) tend to go to newish teachers, often in their twenties, with time to devote to the role. There’s often a lot expected in proportion to monetary reward but it’s a starting point, a springboard. I don’t have that time to devote to the role; I’d never compete with someone who did.

I am your age (44) and am currently going for promotion and see people going for promotion everyday. You are convincing yourself of something that is not true.

Heronwatcher · 29/12/2024 19:33

iwanttoworktwodays · 29/12/2024 19:26

I don’t have anywhere to go @Heronwatcher . I can’t just walk out with literally the street as my option. (I know you weren’t suggesting this by the way.)

I don’t think it’s ’mad’ that when I’m not spending a huge chunk of my salary on childcare that some pressure will be alleviated. I don’t know how many children you have but our swimming lessons are £135. I pay.

Maybe your expenses will be less (I guess but at the very least I’d suggest working it out.

Have you really nowhere you can go- family, friends? Or just pay for an airbnb for a few days/ a week. I’m not thinking about months just enough for him to take you seriously as whatever is happening at the moment isn’t working.

iwanttoworktwodays · 29/12/2024 19:30

It makes no difference as he doesn’t really create any extra work in that sense! He gets back after dinnertime, the laundry is literally 60% kids, 35% me (because I am the one who gets food and snotty noses wiped on her!) and 5% him.

OP posts:
Heronwatcher · 29/12/2024 19:27

Or, if you don’t want to leave, have you stopped ALL wife work for him. You cook for you and the kids. You don’t do his washing. No admin. No visiting his family. You make yourself scarce at the weekends with a new hobby etc without the kids or just with the youngest for a day. Give him a taste of the single life.

iwanttoworktwodays · 29/12/2024 19:26

I don’t have anywhere to go @Heronwatcher . I can’t just walk out with literally the street as my option. (I know you weren’t suggesting this by the way.)

I don’t think it’s ’mad’ that when I’m not spending a huge chunk of my salary on childcare that some pressure will be alleviated. I don’t know how many children you have but our swimming lessons are £135. I pay.

OP posts:
Heronwatcher · 29/12/2024 19:24

iwanttoworktwodays · 29/12/2024 19:12

@Heronwatcher i honestly have. I’m not some meek little pushover but equally nothing I’ve said or done has made any difference.

In just three years both children will be at school. At the moment I’m paying around £750 in childcare and that money can go into the mortgage and any other outstanding debt. This may well mean DH unclenches and becomes the man I hope he still is inside. If not then there’s my answer I guess.

@JHound the thing with promotions is that it is a bit of a young woman’s game. I am 45 in September (which is the earliest I could realistically seek a new job.) I am not honestly sure how not looking for a promoted position has equalled not being committed to the job; it’s the opposite. It is better to do a little well than do a lot badly!

But that aside I am doing everything at home. I am regularly going into work on a few hours’ broken sleep. I am struggling to ensure everything is done. I do - you have to - but I know that adding to my load if you like with two tiny children and no additional support would be madness. I’m sure some people do it but I wouldn’t do a good job and that would be morally dubious as well as potentially ending up getting myself into trouble.

So if I say right - well I shall wait until both children are in school - I’d be 47, and starting on the bottom rung of the ladder. It’s doable but not likely especially since I’d struggle to work full time throughout the primary school years. And I don’t need or want to work for a promotion.

Have you walked out with the kids for a few days? If you speak but don’t act he’s not taking you seriously.

I pay much more for my kids than £750 a month. Swimming lessons alone are nearly £400. Then there’s piano, after school clubs, dinner money, clothes, pocket money, school supplies etc. You’re mad if you think that’s going to solve it.

iwanttoworktwodays · 29/12/2024 19:19

JHound · 29/12/2024 19:17

Why do you have the belief that promotions are à “young woman’s game”?

Who on earth told you that?

@JHound i have been round the block a few times! In the last decade I haven’t seen anyone appointed to a senior position under the age of 40!

Second in dept jobs (which would be the springboard) tend to go to newish teachers, often in their twenties, with time to devote to the role. There’s often a lot expected in proportion to monetary reward but it’s a starting point, a springboard. I don’t have that time to devote to the role; I’d never compete with someone who did.

OP posts: