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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to think it’s too late for me to earn more money, due to my poor life choices.

64 replies

somewhereoverthechipshop · 18/04/2025 13:58

Basically I’m late 40s, 2 kids one still in primary school. I’m not using it as an excuse but if it’s relevant I have adhd, and grew up very poor. I left school at 16 and have worked ever since in low paid jobs. I also took long breaks to have children. I have thrown away so many opportunities to have a better career as anxiety and low self esteem has always held me back and I’ve turned jobs down. I’bve been working in a low paid school job for years now. My dh was a fairly good earner in a creative industry that is now being slowly taken over by AI. I find myself in a position where I’d love to help out more with our finances and I’m much more confident nowadays, that has come with age. I feel like nobody will want me as I don’t have many qualifications. Please be understanding I know I’ve made bad choices in my life.

OP posts:
EilonwyWithRedGoldHair · 19/04/2025 01:07

Gandalfatemyhamster · 18/04/2025 15:52

I would honestly concentrate on careers where you know you could either train on the job or ones where you can do a short course to get onto a better pay grade and opportunities.
The NHS is good for training opportunities. I did an NVQ through the NHS to become a social worker. There’s nurse ones too.
My friend who worked in admin has done an HR degree through the NHS. They offer apprenticeships too.
The one thing I would say is that you’re going to have to prioritise your career for a few years. Do late nights, study at weekends, be flexible. Your husband will need to step up, your kids might need to go into holiday, after school and breakfast club. They’ll be ok.
So prior to my son turning 4 I’d been on MW jobs. Now he’s nearly 10 and I’m on track to be on 45,000. It’s so worth it but I had to be brutal.

Can you get the qualifications in work time or do you have to do it in your own time? I'm guessing it's the latter? I couldn't commit to anything in my own time, tried it with the OU, didn't work out.

Though I think the local NHS is recruiting as little as possible atm, so I'm not sure there's much in the way of admin opportunities. I need flexible hours, ideally WFH. Obviously more money would be ideal.

Nomdejeur · 19/04/2025 00:50

It’s never too late. I’m a 45 yo TA and starting a degree in Education in October. I have put a lot of thought into whether I should, but I have another 20 years of work where I don’t want to still be a TA.

CountryMumof4 · 19/04/2025 00:21

It's absolutely never too late. I'm not in a necessarily low paying job, but felt I wanted more for myself and to stretch myself once the children were all settled in school. I also studied with the OU (can't recommend it enough) and am currently training to become a therapist. It was a very challenging few years, but I feel it was worth it. Best of luck to you - I'm sure you'll find your path :-)

WeylandYutani · 19/04/2025 00:09

Watching with interest.
I am also mid 40s. I have just GSCEs and a very old and obsolete GNVQ to my name. I have also only ever done min wage jobs.

I am on UC and classed as not fit to work as I have several MH issues and am also autistic. But the proposed changes to benefits scare me, and I wonder what I could realistically do.

thetinygnome · 18/04/2025 17:45

Just wanted to add to the ‘it’s never too late’ narrative!
Not even GCSEs here, on the brink of being diagnosed with ADHD, rather a lot of past trauma. I turn 40 this year and almost five years ago I reached a breaking point in my crap low paid job.
I went for and got a very low level part time job with a big charity. I haven’t done any studying or anything outside of work, I have purely worked my arse off and been vocal and enthusiastic about any training opportunities that came up. After a year a similar job at a small charity came up and I went for that, got it and carried on as I was, making it very clear that I wanted to progress and would run with any opportunities that came my way. A few promotions later I’m now at management level with a key role. My biggest pay jump in one go was 10k.
So I’d say think outside the box. Be nice. Work hard. Ask questions, stick your hand up when no one else wants to do the tedious but needed extra training for things (did get a hi biz for being fire marshal though). You can absolutely get there.

Thanksforyourlackofthought · 18/04/2025 17:42

Have you thought about the Civil Service? I was late 40's when I went there, started at a low grade to get through the door and increased my salary by nearly 75% within 18 months. We are not the best paid but the pension is good and there is a lot of flexibility.

Hankunamatata · 18/04/2025 17:28

What do you want to do?

TAs have so many awesome soft skills that cross over - negotiating, behaviour management, organising etc

AprilBunny · 18/04/2025 17:24

somewhereoverthechipshop · 18/04/2025 16:24

I work with older kids and it’s not impossible but money still not great for the amount of work involved. I feel the need to move away from my current workplace and do something completely different but will bear that in mind if things keep going the way they are.

My friend studied for a degree in education which was one afternoon/evening at uni. She was a TA and worked for 4.5 days while doing this. She then added another year on so her degree was a BA Hons. She then worked in the same school as an unqualified teacher for three years. She is now qualified and her salary has gone from 18k as a TA to 35k as a teacher. Her workload is ridiculous though.

Redruby2020 · 18/04/2025 17:18

The other thought on learning and working upwards to something that comes to mind for me, and I'm sure you have had the same or similar thoughts. How do you find the time and energy to do it.
I have health issues, I am tired all the time, and I take my hat off to people who say they do things in the evening.
In the evening I am just catching up on cleaning up, can barely keep my eyes open.

I think it will depend on what you want to do.

Oh believe me, in terms of money there are some whom have lived well as a part time T/A, and received benefits, didn't want to and probably didn't feel able to do more. But then they went and added another child in to the mix. So not going to do any more now.

Namechanged4obviousreasons · 18/04/2025 17:10

I wouldn’t go to the NHS personally but admin within local government is good and often allows hybrid working. The pay isn’t bad, you get an excellent pension and good holidays. There are endless opportunities for in-house training in management and other courses. If you can complete a management level 3 course, you could become a team leader quite easily. Not a lot more responsibility but quite good pay for what it is (certainly average to above average pay for UK). There are lots of new departments cropping up which you could move into, when you get a foot in the door. The key is to apply for everything even if you don’t meet half the spec as they tend to prefer existing employees over new ones. Digital transformation, project management etc can be a good call.

Doingitat40 · 18/04/2025 16:34

OneTealMentor · 18/04/2025 15:58

I'd be really interested to hear what you trained to do?

Well, hopefully not too outing but my degree was in history. I wasn’t sure when I started it what I wanted to do afterwards so just went with a topic that appealed to my interest

the grad scheme I joined on a HR specialism, I completed my HR level 7 as part of the scheme and am now in HR management, grad schemes are possibly not for everyone and it was intense but it gave me the opportunity to progress very quickly and get a lot of exposure

happy to answer any questions 🙂

Doingitat40 · 18/04/2025 16:30

Embarrassingproblemhelp · 18/04/2025 15:22

I didn’t think you could do a degree without a levels? And did you need certain gcse grades?

You can with the open university, they don’t have entry requirements. Depending on your previous level of education and how you find academics it can sometimes be worth doing an access course although I just went straight in with the first level 1 and it guides you through how to complete academic writing etc

there are also lots of free course La through openlearn and the library to get to grips with essay structure and referencing

BottleBlondeMachiavelli · 18/04/2025 16:28

Embarrassingproblemhelp · 18/04/2025 15:22

I didn’t think you could do a degree without a levels? And did you need certain gcse grades?

You can at Open Uni or Birkbeck college.

NineLivesKat · 18/04/2025 16:24

chewytalagi · 18/04/2025 14:10

I empathise. I'm autistic with ADHD and despite being intelligent, low self esteem and anxiety has meant I haven't made great choices. It's great you are feeling more confident now you're older. I'm in the same position and am re-training in mid 40s, I wonder whether something like the Civil Service would work for you?

Was coming here to suggest the civil service. Generally very good about reasonable adjustments, and values transferable skills.

somewhereoverthechipshop · 18/04/2025 16:24

AnneElliott · 18/04/2025 15:45

Will the school you’re a TA at support you to train as an early years teacher? My SIL has done this and it’s worked out well for her.

I work with older kids and it’s not impossible but money still not great for the amount of work involved. I feel the need to move away from my current workplace and do something completely different but will bear that in mind if things keep going the way they are.

OP posts:
AprilBunny · 18/04/2025 16:22

Embarrassingproblemhelp · 18/04/2025 15:22

I didn’t think you could do a degree without a levels? And did you need certain gcse grades?

You most certainly can, my friend and my DH both did this later in life.

somewhereoverthechipshop · 18/04/2025 16:22

chewytalagi · 18/04/2025 14:10

I empathise. I'm autistic with ADHD and despite being intelligent, low self esteem and anxiety has meant I haven't made great choices. It's great you are feeling more confident now you're older. I'm in the same position and am re-training in mid 40s, I wonder whether something like the Civil Service would work for you?

This is exactly me..I was seen as being very intelligent when young. Something always held me back and I only found out why in the last few years. Wish I could speak to the younger me, but at least I have greater understanding now. It’s not easy is it and I feel for you,

OP posts:
somewhereoverthechipshop · 18/04/2025 16:20

Doingitat40 · 18/04/2025 14:09

Agree, it’s never too late

i am a few years younger than you but also in my 40’s and could have told a very similar story 4 years ago

I was working in a minimum wage job with no qualifications except my GCSEs

i enrolled in the open university and did a degree full time from home over 3 years around work and family - applied an got accepted on a great graduate scheme - many were in their early 20s straight out of uni but I was certainly not the only older person doing a career change, I now earn significantly more than I did just a few years ago and have a career I really enjoy

think about it this way - you’ve potentially still got years and years left of your working life - you may as well do something you would enjoy and put the effort in, even if you need to retrain first

This is so inspirational

OP posts:
somewhereoverthechipshop · 18/04/2025 16:19

Badbadbunny · 18/04/2025 15:23

You potentially have another 20 years of working life before state pension age, so barely over half way through your working life. Far too soon to give up and "settle". Even if it took you five years to retrain, gain qualifications, work your way up in a new field, you'd still have 10-15 years afterwards. It's never too late!

Thank you this made me feel really positive

OP posts:
somewhereoverthechipshop · 18/04/2025 16:18

Gandalfatemyhamster · 18/04/2025 15:52

I would honestly concentrate on careers where you know you could either train on the job or ones where you can do a short course to get onto a better pay grade and opportunities.
The NHS is good for training opportunities. I did an NVQ through the NHS to become a social worker. There’s nurse ones too.
My friend who worked in admin has done an HR degree through the NHS. They offer apprenticeships too.
The one thing I would say is that you’re going to have to prioritise your career for a few years. Do late nights, study at weekends, be flexible. Your husband will need to step up, your kids might need to go into holiday, after school and breakfast club. They’ll be ok.
So prior to my son turning 4 I’d been on MW jobs. Now he’s nearly 10 and I’m on track to be on 45,000. It’s so worth it but I had to be brutal.

thank you this is a really good idea and I was going to look into NHS professionals and see if I could start there and maybe get a low level admin job and as you say put my all into it..you’re right I am going to have to put work first after years of putting everyone else first.

OP posts:
tryingtobesogood · 18/04/2025 16:11

Embarrassingproblemhelp · 18/04/2025 15:22

I didn’t think you could do a degree without a levels? And did you need certain gcse grades?

No, you can do an access to higher education course or a foundation course prior to a degree.

Happyspendingthedayinthegarden · 18/04/2025 16:07

Open University (OU) also do short courses, some of which are free, that you can take to get yourself back into the swing of studying.

Although I have a BA taken at Uni when I was younger, I took another degree via the OU & have since done a series of the short courses that they offer.

TiredArse · 18/04/2025 16:06

Embarrassingproblemhelp · 18/04/2025 15:22

I didn’t think you could do a degree without a levels? And did you need certain gcse grades?

You can if you have alternative qualifications, or do a foundation year.

OneTealMentor · 18/04/2025 15:58

Doingitat40 · 18/04/2025 14:09

Agree, it’s never too late

i am a few years younger than you but also in my 40’s and could have told a very similar story 4 years ago

I was working in a minimum wage job with no qualifications except my GCSEs

i enrolled in the open university and did a degree full time from home over 3 years around work and family - applied an got accepted on a great graduate scheme - many were in their early 20s straight out of uni but I was certainly not the only older person doing a career change, I now earn significantly more than I did just a few years ago and have a career I really enjoy

think about it this way - you’ve potentially still got years and years left of your working life - you may as well do something you would enjoy and put the effort in, even if you need to retrain first

I'd be really interested to hear what you trained to do?

Gandalfatemyhamster · 18/04/2025 15:52

I would honestly concentrate on careers where you know you could either train on the job or ones where you can do a short course to get onto a better pay grade and opportunities.
The NHS is good for training opportunities. I did an NVQ through the NHS to become a social worker. There’s nurse ones too.
My friend who worked in admin has done an HR degree through the NHS. They offer apprenticeships too.
The one thing I would say is that you’re going to have to prioritise your career for a few years. Do late nights, study at weekends, be flexible. Your husband will need to step up, your kids might need to go into holiday, after school and breakfast club. They’ll be ok.
So prior to my son turning 4 I’d been on MW jobs. Now he’s nearly 10 and I’m on track to be on 45,000. It’s so worth it but I had to be brutal.

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