I'm an ODP but thought the title may get more views! I'm two years qualified and I am skint. I work full time, so does DH. I will admit that we've got some debts that need to be cleared, the payment plan is for another 3.5 years and the thought of being utterly poor for that time makes me feel really depressed as we both work our socks off and are struggling to make ends meet. We have NO holidays, NO days out, NO new clothes (only ever buy off Vinted/eBay) we never go out anywhere to eat, nights out or otherwise. Everything is pretty much pared back to the bone.
The exhaust fell off my car yesterday, it needs other work done to it too and we literally cannot afford to fix it or to replace it. If another disaster happens I can see us going under completely. We're up to the hilt on credit cards etc, although thankfully not an amount that is insurmountable to pay off. We've got some other debt due to buying a very large "item" which as mentioned above will be paid off in 3.5 years.
I could work extra shifts at work but quite frankly I'm exhausted as it is and I need down time for my own wellbeing, doing 4x 10 hour shifts is quite enough.
I've a friend who works agency, has been with the same agency for ten years and has always had work and she said there is plenty available. I'm in a position where I can travel (youngest child is a teen now), I could work 3 days a week and earn well over double what I earn now. I feel like it's a no brainer but is a bit scary, but it would enable me to pay off a load of stuff and have some semblance of an actual life rather than scratching out an existence.
So essentially I'd like to hear other people's experiences. I don't think I'm interested in dropping my hours in the NHS and picking up extra agency, I'd rather just go gung ho and do the whole hog for a few years, get everything paid off then rejoin the NHS part time!