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How would you get out of poverty if you were me?

135 replies

Fedupandpoor · 09/01/2020 19:12

I am 36, two children under 6 and a single parent. Ex DP is useless. I have no family, no proper qualifications and no savings of any kind.

I am so fucking sick of being poor and struggling by on UC and minimum wage jobs. I want a good life for my kids, not rich but comfortable and not having to choose between heat and food.

What is the quickest and best way to dig myself out of this hole? My passion is fitness, yoga, meditation, sewing and alternative health. I have started teaching a kids fitness group that I absolutely love but it brings in pennies. I have another training booked in April to teach the same thing but to children with additional needs, however as I have no reliable childcare it is difficult to run many classes.

What would you do if you were me? Is there anyone who has been in my situation that managed to break out? Before anyone jumps on to lecture me about why I had kids and got into this situation, I know it was fucking stupid. I can only put it down to a horribly abusive childhood and then abusive ex partner as well as my own stupidity. But I've dealt with that shit now and it's time to move on Smile

OP posts:
cordeliavorkosigan · 10/01/2020 01:07

You are a good writer and that's an asset, so don't drop the options involving some writing.
Since you are experienced and so articulate could you set up as a life coach? with a fitness kind of angle? So many people need holistic coaching to get eating and exercise to a health place, and your writing ability, broad experience and interests in fitness and yoga could be a good fit for that.

IdiotInDisguise · 10/01/2020 01:07

... and that provides you with a regular income you can make plans with.

cordeliavorkosigan · 10/01/2020 01:13

OP I sent you a PM with a wacky idea I had that I wish someone would do (in the fitness domain)

Interested in this thread?

Then you might like threads about this subject:

Nat6999 · 10/01/2020 01:15

Get a job at somewhere like Aldi, they pay the highest wages in supermarkets, they prefer part time staff, or think about child minding, requires little capital to set up. Have you thought about cleaning or being a carer? Work as a carer to gain experience & get the qualifications & then go self employed as a carer in your local area or as a personal assistant for a disabled person, people are crying out for good carers, if they are self funding will often prefer to recruit their own carer instead of being allocated a company who will chop & change staff at short notice. Have you any marketable skills that you could use to work from home like office skills, virtual personal assistants are popular, as long as you have an internet connection & a computer. Check on something like Entitledto.com that you are claiming everything you are due to first, are you on a benefit that you could do permitted work with? Or take in a lodger if you have room. Lots of people will pay good money to someone to do their ironing, put a card in shop windows in your nearest posh area advertising cleaning or ironing & you should get some work really easily.

1forAll74 · 10/01/2020 01:19

Sewing and alterations would be good. Can you make all kinds of clothes etc.?

AnyMinuteNow · 10/01/2020 01:23

Why do you only make pennies at your exercise classes? You are managing to miss a trick here. Even only charging a few pound per child per half hour session, with just 10 children youre on £60 per hour! If you're doing a few hours on a saturday morning then nearly £200 for a mornings work.

How are you only making pennies?

Run these classes other places straight after school too, where your children can join afterschool care, or creche facilities at leisure centres and so on, or extend your nursery by one hour.

Nat6999 · 10/01/2020 01:25

If you have GCSE maths & english, consider the Civil Service, the money isn't brilliant but as an employer they are very family friendly, you can work part time, term time only, it is usually flexible working. If you are educated to A level standard you can enter higher up the ladder, promotion prospects are good or you can do a degree apprenticeship with them. Google Civil Service jobs, the application forms look terrifying but come back on here for advice to help fill them in.

Happymummah · 10/01/2020 01:44

You’re 36. What did you do for the 12 years before you had your first dc?

That is a good amount of time for you to have had some work experience.

I’d start from there and look back to what your strengths and interests were, even if they weren’t the best roles with regards to pay or interest.

I think it’s good to start at what you know.

I’d put aside the fitness job now, spend the weekend with your dc and get a job during the working day. I wouldn’t sacrifice your weekends with your dc for an interest that brings in pennies. That is not helping your dc.

Oliversmumsarmy · 10/01/2020 01:45

I think you have to take a multi prong attack.

As I said child minding but more in a wrap around care capacity so you are not dealing with very small children all day. You are only dealing with school age children from the school your own children go to.

This will lead your days free to do the odd yoga class, etc

You can offer more f/t childcare in the holidays so 7-7 each day for 4 children really adds up.

Do some matched betting for a few hundred per month.

Make sure your expenditure is cut down to the bone.

The problem with going into f/t work whilst it looks like a lot of money, by the time you have taken account of the expenditure for child minders, travel, clothes, food etc it certainly brings the income down.

Also trying to get a job within school hours is like looking for a needle in a haystack

Pixxie7 · 10/01/2020 01:47

How about training to be a personal trainer you can pick your own hours and the training isn’t that long. Good hourly rate.

chocolateteapot20 · 10/01/2020 05:47

I'd definitely suggest being kind to yourself. Maybe do a "SWOT" analysis of your skills and your experience. You sound determined, resilient and realistic overall, plus your time management is obviously good if you're bringing up children. Are you sure you're getting all the benefits you're entitled to? And claiming what you can from HMRC against tax and allowances for your self-employed work?

It might be worth having a look at your local college to see if they have any funded courses for those whose annual income is under a certain amount. Our local college in Somerset offers this, and I know City College Plymouth offers these, for instance - www.cityplym.ac.uk/adult-education-funding/- there's also some useful information at www.moneysavingexpert.com/family/grants-education/#level2

There is very good advice on here about contacting your local college/university/hospital or NHS Trust and council to see if you can get yourself on their bank staff list. People outside the NHS tend only to associate it with doctors and nurses, but every hospital or Trust i like a village, and there is a whole range of work available. Have a look at NHS Jobs for some ideas; jobs are added every day and it's the UK's largest employer.

If teaching appeals, have a look at www.gov.uk/teacher-training-funding and getintoteaching.education.gov.uk/explore-my-options/become-an-early-years-teacher to see what funding might be available for you; you might need to do an access course first, but many local colleges offer these.

And does your local council or college maintain a register of part-time/sessional tutors at all? Though again, I know these vacancies have been decimated over the last ten years.

There's an online event about routes into teaching coming up on 13 January which is a) free and b) in the evening if you're interested - you do need to register though, I think - getintoteaching.education.gov.uk/teaching-events/online-events/introduction-to-teacher-training-options-1

And you've mentioned teaching swimming to, for instance, those with SEN; one idea might be www.swimtime.org/opportunities/become-a-swimming-teacher/ - though I couldn't quite work out from a brief look at the site if it's a franchise or if they employ teachers directly.

Open University courses do not come cheap these days, so that might not be an option for OP right now. Even studying at a bricks and mortar university is hideously expensive, and for many subjects the financial rug has been pulled out of vocational education long since.

Lots of people are suggesting writing; as someone who has been writing short-form non-fiction for around 25 years alongside the day job now and while it brings in a little money, it's certainly not enough for a full-time income; when I had to stop working outside the home for health reasons I had to find various other strings to my bow. And my qualifications and experience are wide-ranging; but I also live in the rural south west so finding those openings takes a lot of work and it has taken me about a year to build up to a reasonable annual income from several different sources and skillsets. And that has included looking at sites that some people turn their noses up at, like PeoplePerHour, UpWork and others.

The ALCS surveys show over the last couple of years that writers earn, on average, if they're lucky, around £6,000 pa from writing; some of them supplement it by teaching workshops and the like, but unless you're JK Rowling or MC Beaton, or very, very lucky, it's very hard to earn a full time living from writing alone these days. There are some subject areas where the pay is relatively good (blockchain at the moment, for instance) but you usually need really specialist knowledge.

@PlanDeRaccordement, out of curiosity, where are you finding these copywriter/copyeditor openings where the pay is really good? Can you share any sites or sources? In some areas, £15 an hour is a decent rate for the general administration work I mainly do; while I do know of someone in London who also writes on various topics but also (claims she) earns £270 an hour for "love counselling". At least, that's what she says she charges...

I am smiling a bit at some of the comments from people who can only live in Yummymummy world, Kensington-on-Coquet or St-John's-Wood-on-Exe - things that might work in well-heeled parts of London, like delivering mindfulness sessions to bored and wealthy stay-at-home-mums with high-earning husbands. I'm not sure how well that approach would work in poorer parts of the country where the only time such wealthy folk are seen is when they've visiting their second homes on summer recess Wink.

OP, good luck with the mentoring and everything else. If you want to drop me a PM for ideas of further websites or information sources to look into you're very welcome.

checkedcloth · 10/01/2020 06:00

Call the recruitment department at your local NHS Trust. There is a major workforce shortage in the NHS. Become a nursing assistant - regular pay and opportunity to develop into a higher band in the future.

Oliversmumsarmy · 10/01/2020 13:15

I think people need to be realistic when suggesting jobs that need a lot of childcare.

Most people work a 9-5 day and a personal trainer etc is something people want evenings and weekends not during school or nursery hours.

Nursing is odd hours and by the time you have taken £10 per hour childcare for the 2 children out of it, there isn’t going to be a lot extra.

If you don’t have cheap childcare through family then a lot of the suggestions are really not feasible

angemorange · 10/01/2020 13:23

I'd say try the civil service or public sector - if you have basic GCSE's etc you can go in at an admin level and work up. They are really family friendly with part-time & flexible working and term-time for when your kids are older.
A part-time wage with some tax credits etc should make a difference to you.
When my DC were young I did this - we hit a really bad time as my partner had a serious illness and couldn't work for 2 years. Not I have a much better job and DP is full-time again things are grand.

At the minute it all looks bleak but once your two are settled in school things will improve. (Class Assistant maybe an option?)

malificent7 · 10/01/2020 13:25

If your into sport and fitness why not retrain as a physiotherapist?

anon2000000000 · 10/01/2020 13:40

The yoga classes here are £9 per class (1 hour) and you can take your child along. It's labelled as parent and toddler/baby yoga. They bring their own mats and water.

The class is full. She has 20 adults. She does 2 child free classes per week for more advanced yoga.

doadeer · 10/01/2020 13:49

Just a note - you need formal qualifications to teach yoga. A children’s one covers up to 12 yrs old and this takes a full weekend and is about £500. To teach adults you need your 200 hours training certificate which is a huge amount of work and will be well over £1000. It takes many people full weekends several times a year. Realistically not sure how you could do this without childcare. I don't want to be pessimistic just want to highlight it's not that easy.

Hopefully there's been lots of good advice on here!

doadeer · 10/01/2020 13:50

And baby yoga is a seperate qualification to both of those I listed.

(We have a family yoga business)

Shopkinsdoll · 10/01/2020 13:54

My friend has a criminal record for a minor theft from about 25 years ago and she works with kids. I think as long as it’s nothing like assault or anything serious your fine

Fizzypoo · 10/01/2020 13:55

What about youth work?

I have an artist friend who did a level 3 in youth work (6 month evening course to qualify as an assistant youth worker as you need a degree to be a proper youth worker) and she now runs art workshops in the city we live in. You could be a part time youth worker a couple of evenings a week. Run the classes you already have and set yourself up for running positive mental health sessions with exercise, mindfulness and yoga.

seltaeb · 10/01/2020 13:57

Your big mistake was acquiring a hopeless DP and having not one but two children with him. The quickest way out of poverty given your lack of qualifications and DC's ages (and need for childcare) is to marry a man with a decent income, who has no DCs of his own (so no CSA/annoying ex). This is only half tongue in cheek, any other route is going to be a long slow haul.

Shopkinsdoll · 10/01/2020 13:58

Sorry I read it wrong

Seashellsandbuttons · 10/01/2020 14:02

op tricky in the South West isn't it :( entry level jobs aren't in abundance here. Any part time role is rare and usually when advertised - receives hundreds of applications.

Tis tough!

Seashellsandbuttons · 10/01/2020 14:05

I've been looking for work & I'm finding more and more FT jobs advertised for 8:30 - 5:30pm.

A 9-5 job sounds glorious in comparison Grin

Fizzypoo · 10/01/2020 14:12

OP have you thought about uni?

I was a sp on part time minimum wage plus tax credits with two DC who didn't see their dad.

I had no qualifications due to being in care. I went to college in the evening (took dc with me and sat them in the corner with their homework and a book) and then went to uni. As a mature student experience counts and the entry requirements are less stringent. Student loans and working part time created a monthly income of double what I was on before. I'm in my last year now and have my placement as my place of work. I'm on double the amount of money per hour than I was before. Uni is a slog but I'm so better educated and financially better off now.

I've been offered full time work in my organisation/placement when I've finished the course and they're willing to fund a masters if I choose to take it.

Opportunities are out there, you just have to find them and take them.