Anyone found that working full time when you have primary aged child isn’t that financially viable

[Kittencuddle]

So been sahp for years
do voluntary work and have a busy and full life
dh in high salary so no benefits etc

anyway a job has come up with the organisation that I volunteer for
it not well paid 25-27k per year
but I think it would be really enjoyable

ds in year 4
well half way through year 4

so he would need to go to before school club and after school club
I think this is over 20 quid a day
maybe around 25ish ?

id need a second car and it’s a 50 min drive each way
so no idea how much petrol is use a month ?
it’s Mon to Fri 9 -5
so even getting back to collect from after school at 6 could be right if there’s any road accidents etc
plus in holidays
I guess I’d have to use holiday clubs or child minder

so I’m just wondering how financially feasible this is

dh sometimes works from home but it’s not reliable so I’d have to have a child care plan in place

Can you negotiate the hours? I just applied for full time role then negotiated my hours.

Holidays, your partner covers some and you cover some. Then you just need holiday clubs for a few weeks.a year.

But it would have to be enough to make it worth while, and to compensate for the things I feel I will miss out on

so I’d have to purchase an second car
factor in the costs for running that car
holidays clubs in hols and wrap around care
or a child minder might be nicer so hes not stuck inthe same building from 8am till 6pm

It sounds pretty well paid for someone who has been out of the job market for years. you clearly don't need the money like most people do.

Don't forget to factor in employers pension contributions and career progression when working out the financial benefits as well.

So don't do it op, it's not down to the people here to convince you.

Here
so childcare won’t be tax free for us

Right I’m going to find out the exact cost of wrap around care
I’m assuming childminders charge a similar amount ?

@kittencuddle could you negotiate flexible hours and WFH (working from home) days? Most companies are offering this for office-based jobs nowadays. It really makes a massive difference if you can have even just a couple of days working from home.

Wraparound is 14.50 a day

No it’s not a job that can be done from home

Definitely factor in the pension and NI contributions when looking at the bigger picture

Look for something else?

Wfh etc

How do you do volunteer work without need for second car - is there something in same area

Holiday club is 8:15am - 5:30pm
which won’t cover the hours so I’d have to get a childminder
and guessing a child minder doesn’t just want to have kids on term time holidays only

although perhaps there’s other holiday clubs that offer earlier and later start and end times?

this is £170 per week

@Kittencuddle this whole thread seems to be about you seeking assurance that it's ok not to take the job. You are finding reasons not to to it, rather than to make it work. As you are fortunate enough to be supported by your husband, and are seemingly content with this situation, then leave it. If you were desperate for more family income, financial independence, a new career, a pension or time away from domestic duties, then you wouldn't have started the thread. Walk away, leave the job opportunity for someone who really wants or needs it.

I’m actually just trying to work out what it would cost me

Some childminders do take holidays only - it fills the gap left by the term time only children of teachers.

There’s two childminders on my street so I shall ask them

Guessing other holiday clubs offer longer hours tho ?

*dh hjenstly does have one of them jobs where he can’t commit to pick ups drop off she can’t even commit to what days he’s working from home as this can vary

if he has to go in, he has to go in

and we need his salary to live on*

What you’re essentially saying here is that your DH is preventing you from being able to work. That’s financial control, OP.

19 pounds a day on petrol
axccordkng to go compare

Do you want to do the job op? Or do you get as much satisfaction and work experience from your volunteering?

I'm about to go back to work after 5 years out as a sahm. My oldest is in reception and my youngest will go to nursery. Ultimately I think I'll spend almost as much as I earn on childcare, and the logistics will be more difficult than they are now, but I need to do this for myself. I'm so excited to get back to my career.

I love my children and am grateful that I've had the opportunity to be at home with them, but I'm bored and lonely and worried that if I don't go back soon then I'll never be able to. Plus I want to show my children that I'm a real person, with a brain and a career. The hassle now is worth it as an investment for our future and my mental health.

😂

Biggest question is how much extra a month does a car cost to pay for and run

very difficult to calculate this

I wound be bothered by having anything fancy
a little run about would be good
but it would have to be reliable

Yes I’d like to do it, but if I did I want to at least get a noticeable bit of money out of it
or at the very least not be worse off
if that turns out to be the case that would be ridiculous

So holiday club works out to about 34 a day