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AIBU?

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:
iwanttoworktwodays · 29/12/2024 19:17

It’s impossible to discuss because he just endlessly repeats things. Any attempts to reason with him don’t work. The thing with a discussion is that it relies on the other person engaging with it and he doesn’t and won’t. I’ve come to realise for the sake of my own sanity and to be honest my own sense of dignity I need to disengage from it. Our last money row was last month, over our DS’s party. A few people messed about a bit over the RSVPs so we had more coming than anticipated and you had to pay per head so it was a bit more expensive than I thought. DH asked me if I needed any money for it and I said that an amount would be helpful. He transferred that to me plus £50. Mistake as then we had a massive row the morning of the party as his parents were coming, they drink a particular brand of coffee. I couldn’t find my card, we were a bit rushed so I asked for his to buy this coffee. He went mad at me and threw the £150 he’d transferred to me in my face,

Before anyone thinks I just stood there and took it I didn’t, I went mad back and told him in no uncertain terms I wasn’t going to tolerate it for the rest of my life and more to that effect. But it doesn’t really make any difference. I’ve just had to learn - take nothing, ask for nothing, even if it’s offered, refuse.

I don’t think this is really who he is but it’s who he’s become. I’m still hopeful he’ll come back to me. But if not then I do have routes out. This is what this thread is, I don’t want to close any doors.

OP posts:
JHound · 29/12/2024 19:17

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.

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

Who on earth told you that?

JHound · 29/12/2024 19:12

There is a saying I often think of: “there are men who want to be husbands and fathers and men who wants wives and children.

Sounds like your husband is the latter. I genuinely don’t get why it’s impossible to discuss. I know he throws a tantrum but this situation is untenable. You are not acting as a couple but two completely separate housemates who happen to live together with separate responsibilities instead of a family unit.

I get not everybody has joint accounts but these are joint responsibilities. Why should you be stressing and trying to figure out way to make it work alone. I could get a reluctance to ask for money for holidays, fancy nights out with friends, theatre trips but it is literally for the care of your children that you both have. For him to throw a tantrum over that is honestly baffling and as others have said looks like financial abuse.

Honestly if this is the case I would be trying to find ways to get childcare support so I could throw myself into building my career as your husband is a dud and I cannot see how this marriage is tenable in the long term.

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.

OP posts:
Heronwatcher · 29/12/2024 18:59

There is a way to stop this, of course there is. You stand up for yourself, insist on a conversation and you insist on equal finances. If things don’t change you pack your bags and ask him how he intends to manage his 50% childcare. Or if you can’t face it you say you’re going back full time and expect him to sort out pick ups or drop offs to facilitate this, since he’s refusing to be fair about money. You get tough instead of reducing your hours to make yourself even more vulnerable. I can’t believe you’re seriously considering that tidying the house and starting dinner early is the priority here.

You’re an intelligent woman, a professional, a teacher. You’ve got a job. You aren’t the first person to be badly treated/ financially abused and you won’t be the last. But you have got to get your marriage sorted or leave.

Do you really want this for the next 18/ 20 years? Because I can tell you that kids are even more expensive as they get older- think compulsory laptops for secondary school, uniform in the hundreds, residentials which cost £500 and upwards, proms, phones, pocket money. Do you really want to have to go through the Oliver Twist act every fucking time like a beggar, when he’s on 90k a year and does no childcare?

JHound · 29/12/2024 18:56

iwanttoworktwodays · 29/12/2024 16:34

I won’t be progressing in my career. I’m top of the payscale and I’m too old to seek promotions. Pension is OK - I’ve many years of FT contributions.

Why do you think you are too old to seek promotions?

iwanttoworktwodays · 29/12/2024 18:46

@Iceache hiw gave you deduced I’m not committed? I’m genuinely confused by that. It’s just making stuff up and is unhelpful.

I am not particularly reliant on DH for anything.

OP posts:
ByQuaintAzureWasp · 29/12/2024 18:42

Start at 8.40 if you're a teacher

JHound · 29/12/2024 18:38

Saturdayssandwichsociety · 29/12/2024 16:27

From what you said they are shouldering the burden of paying the main mortgage and bills alone while you pay other costs.
And given you said there's already tension around family finances maybe that's leaving them with very little money left over and they aren't happy?
Any decision for you to reduce hours /income has to be a joint one. The way you phrase all your posts it sounds like you think this is your decision to make,alone - it can't be im afraid. You say the impact will all fall on you but if your partner already feels its a struggle its not fair for you to further reduce income.
Being fussy over schools was a luxury you couldn't afford, you needed to choose a school that had the right location and wraparound on offer to fit with your family routins. Or consider all this much earlier to allow time to move house or job.

Why is the burden of all of the childcare left out of this equation?

sunshine244 · 29/12/2024 18:37

Abusers very often are wonderful people to others. Interestingly when I first had a women's aid supprt worker (before i actually left) one of our discussions was about this.

If he is self aware enough to be kind and generous to other people then he is self aware enough to be deliberately financially abusing you. No one should have to walk on eggshells or take on the full burden of working out how to financially manage being parents.

I felt like this before I ended my relationship. Like I have to be the sole person sorting everything and finding a solution that worked but also didn't upset my ex. The reason you are struggling to find a sensible solution is that you're trying to solve the wrong problem.

Iceache · 29/12/2024 18:36

I still don’t know how so many women find themselves reliant upon such awful, useless men. I also think you have a strange view of a professional job - that you can use the good pay to facilitate all aspects of the family whilst putting barely any effort in at work. The job requires more commitment than you are giving it really. If you worked on this aspect of your life then perhaps you’d find your career more fulfilling and would want to progress and gain some financial independence. It isn’t really the sort of job you can half arse

iwanttoworktwodays · 29/12/2024 18:29

I totally agree it is even if unintentional. I’m just not sure there’s an awful lot I can do about it at the moment, anyway. And this is kind of the dilemma. If I reduce my hours I could end up in a position where financially I’d struggle on my own. But if I keep my hours as they are I just can’t fucking cope doing EVERYTHING!

It’s a nightmare really.

The sad thing is I knew him ‘before’, he was a good, generous man. So I do kind of feel like it’s my fault in some way although logically I don’t think it is.

OP posts:
ThanksItHasPockets · 29/12/2024 18:24

iwanttoworktwodays · 29/12/2024 18:20

@Mandylovescandy - I think we probably both feel like we’ve got the worst deal. But there’s just no talking to him about this. I have tried; tried to bring it all out into the open and discuss openly and honestly but it just ends in him complaining and me feeling like I need to apologise for existing. I already feel like I’m walking on eggshells, for for instance a few nights ago home alone was on the TV and I said something like ‘New York at Christmas must be beautiful’ and as soon as I said it I was thinking oh shit, and true to form he started complaining it would cost money, we are skint. I ordered a small birthday cake for a relative, it cost around £20. Everyone had a slice and I said ah, everyone’s happy. DH snorts and said ‘everyone’s skint.’ It’s constant and very wearing.

Please, read this back OP.

This is coercive and financial control and until you are willing to see this you are not going to find the answers you seek. It is always going to be easier to go in circles with MNers who are trying to be helpful from their own hard-won experience than it will be to see the reality of your situation. I’m so sorry.

I truly wish you well. Flowers

iwanttoworktwodays · 29/12/2024 18:21

invisiblebark · 29/12/2024 18:18

Can you tell your school you want to work FT but just not work period 1 every day?

I don’t think they’d do that without a formal adjustment to my hours and very honestly I don’t think I could do full time right now.

OP posts:
iwanttoworktwodays · 29/12/2024 18:20

@Mandylovescandy - I think we probably both feel like we’ve got the worst deal. But there’s just no talking to him about this. I have tried; tried to bring it all out into the open and discuss openly and honestly but it just ends in him complaining and me feeling like I need to apologise for existing. I already feel like I’m walking on eggshells, for for instance a few nights ago home alone was on the TV and I said something like ‘New York at Christmas must be beautiful’ and as soon as I said it I was thinking oh shit, and true to form he started complaining it would cost money, we are skint. I ordered a small birthday cake for a relative, it cost around £20. Everyone had a slice and I said ah, everyone’s happy. DH snorts and said ‘everyone’s skint.’ It’s constant and very wearing.

OP posts:
invisiblebark · 29/12/2024 18:18

iwanttoworktwodays · 29/12/2024 18:12

Chonk, seriously, if it bothers you, just hide the thread or report it if you think MN should link it or should add anything. This isn’t adding anything.

@ThanksItHasPockets there is a breakfast and after school club. But breakfast club only starts at 8 and I wouldn’t be able to get to my school on time especially with heavy rush hour traffic, I’ve two drop offs to do as well.

Can you tell your school you want to work FT but just not work period 1 every day?

Mandylovescandy · 29/12/2024 18:16

Sounds like you need a big discussion with him to sort out this and finances. You must have the worst deal on finances with paying childcare and food unless your mortgage is absolutely massive.

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.

OP posts:
iwanttoworktwodays · 29/12/2024 18:12

Chonk, seriously, if it bothers you, just hide the thread or report it if you think MN should link it or should add anything. This isn’t adding anything.

@ThanksItHasPockets there is a breakfast and after school club. But breakfast club only starts at 8 and I wouldn’t be able to get to my school on time especially with heavy rush hour traffic, I’ve two drop offs to do as well.

OP posts:
Chonk · 29/12/2024 18:08

iwanttoworktwodays · 29/12/2024 17:57

I know you haven’t @Chonk but referencing other threads just isn’t cricket, I’m sorry but it isn’t. I don’t really hugely mind but I don’t think it’s a great sort of habit to be in. And it’s helping no one, is it? I can’t remember which other name I used anyway!

@ThanksItHasPockets i think I will have to reduce my hours or at the very least keep them at 0.6 in order to facilitate school drop offs.

I don't know (or care) what username you used either! But yes, it is helpful, as it saves other posters from wasting their time repeating all of the very good advice you've already had. If you think it's 'cricket' to post the same thread repeatedly, where do you intend to draw the line? 3 threads, 4? As many as it takes to get the answer you want?

ThanksItHasPockets · 29/12/2024 18:03

iwanttoworktwodays · 29/12/2024 17:57

I know you haven’t @Chonk but referencing other threads just isn’t cricket, I’m sorry but it isn’t. I don’t really hugely mind but I don’t think it’s a great sort of habit to be in. And it’s helping no one, is it? I can’t remember which other name I used anyway!

@ThanksItHasPockets i think I will have to reduce my hours or at the very least keep them at 0.6 in order to facilitate school drop offs.

I see there are no childminders, which is a shame as mine was a godsend. But is there also no breakfast or after-school club? It’s incredibly unusual as a teacher to do all of your child’s drop-offs and pick-ups, even part-time - and I know a LOT of working teacher parents. Why do you feel that you have to do this?

Brefugee · 29/12/2024 17:58

iwanttoworktwodays · 29/12/2024 16:33

Thanks. I don’t think it is intentional but I do know it’s starting to become extremely toxic. At the moment things are such that I couldn’t leave, even if I wanted to. I think my priority is getting to a point where I could even if I ultimately decide to stay put.

i do think DH thinks we’re in huge financial trouble and is panicking. But rather than approaching this as a shared problem he just blames me for everything!

have now read all OP post.

What you should be considering is how you can work FT and make sure that when/if everything goes tits up with your husband, you can support yourself and still have something of a pension when you retire.

To be blunt

iwanttoworktwodays · 29/12/2024 17:57

Chonk · 29/12/2024 17:48

What? I haven't mentioned your previous username, or even the fact you've changed it, but you can't expect to post the exact same thing twice and people not realise you're the same poster?

I know you haven’t @Chonk but referencing other threads just isn’t cricket, I’m sorry but it isn’t. I don’t really hugely mind but I don’t think it’s a great sort of habit to be in. And it’s helping no one, is it? I can’t remember which other name I used anyway!

@ThanksItHasPockets i think I will have to reduce my hours or at the very least keep them at 0.6 in order to facilitate school drop offs.

OP posts:
ThanksItHasPockets · 29/12/2024 17:49

I’m sorry OP but you would be absolutely mad to reduce your income when you are being financially controlled by your DH. It doesn’t matter if you don’t see it that way or if he’s motivated more by anxiety than malevolence; the effect is the same.

It’s not just about your income right now. You will decimate your pension. DH left me this year and I’m about to fight tooth and nail for my fair share of his pension in the financial settlement of our divorce because his is so much bigger than mine after a decade part-time.

I also teach and if I could go back I don’t think I’d have reduced my hours. Thirteen weeks of holidays with my children go a long way to compensate for the term-time childcare.

Chonk · 29/12/2024 17:48

iwanttoworktwodays · 29/12/2024 17:44

I name changed for a reason @Chonk . It actually isn’t very nice to put name changes even if they are obvious. Especially when I’m writing about marital problems which some have pointed out would be interpreted as abusive even if that’s not the intent.

What? I haven't mentioned your previous username, or even the fact you've changed it, but you can't expect to post the exact same thing twice and people not realise you're the same poster?