which job to go for? would you give up a good pension for flexibility and working from home?

[smalando]

Job 1
Round the corner from home.
Only started a month ago but
Colleagues aren't really friendly but not horrible either. I'm not really enjoying it tbh.
A lot of juggling around with kids / dh work / planning etc as I get home for 5.30.
Great local government pension scheme and generous annual Leave.

Job 2
Slightly less hours and more money. Fte would mean pay rise of 5k. I would work pt
Job is working from home but would need to go to evening meeting every fortnight and one Saturday a month which is very local to me anyway.
Crap pension and not much annual Leave.

Which one?!

With job 1 even though it has a good pension I don't know how long I'll even be working there (not many years I don't think) so thinking about it im not sure that's even a positive!?

How old are you, i.e. how many years until you need that pension?

Does the part-time nature make up for reduced holiday, for example will you have non-working days each week that mean you don't have to take annual leave to cover school holidays etc?

I'm 40.
Both jobs are part time with the 2nd being slightly less hours with more money!

Go with the second option and pay more into your pension.

I would personally never go self employed. Too risky and I like the fact my employer pays so much into my pension as well (NHS)

SuperMeerkat i wouldn't be self employed. I would still be employed but just a crap pension. But tbh I don't think my pension would even be worth anything at the end of it.

Go for the new job and pay more into your pension yourself.

Pension and good annual leave would win it for me.

Add in the value of your pension to job 1. Does job 2 still come out with more money?

Job 2 without a doubt.

How old are your children?

My work based pension aren't worth much at all

BUT

I will be able to just about exist on the state pension (only 14 months to go) so my 2 small work pensions - really worth naff all - £200 per month - that £200 is 100% of my disposable income.

I think im going with job 2. In order to get any pension with job 1 I'd have to work with them for the rest of my life and I'm not prepared to do that.