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What would you do? What should I do?

1 reply

WildSnail · 05/07/2025 14:25

A few issues wrapped up in one post as didn't want to make another thread

Single woman approaching 40 with a fairly successful full-time job - however, I also have a ton of debt, largely from house repairs costing so much more than expected, and not having much credit for a long time prior to that which means I was only offered high % APR. I'm currently paying £1100 a month back - my re-mortgage isn't coming up for another year and a bit so can't yet borrow on a smaller interest rate.

I also spend a lot of time with my (widowed) mother - we have a great time but she has a very generous pension and no debt and so likes to live fairly extravagantly. And I'll admit so do I - lots of exotic holidays, etc. She has no idea at all about my debt and she would be devastated to find out - she has bailed me out in the past after a relationship left me with debt but she thinks I've curbed my reckless spending. This means it's very hard to say 'no I can't afford it' when she has a vague idea of what my income vs expenses should be (without the debt I'd be living the high life!). I'm now struggling though - I know I should tell her but I couldn't face the anger and disappointment (we've had issues in the past about her expectations of me - only child).

I also until yesterday had a part-time job - 6-10 hours a week and used to make a couple of hundred pounds a month. I mostly loved working there, made quite a few friends, and had a good laugh. But a new manager has come in and made everyone unhappy. There have been a few issues around her performance as well - I was nearly at the end of my tether last week after she hadn't sent the rota to one our staff which means I was on my own all day. I was due to be working there tomorrow and she messaged to say there were some issues about my performance (there aren't) that she wants to discuss before my shift - something in me snapped and I quit there and then. I then got quite irate and poured out all of the issues and the way I've been feeling - it's not just me feeling like that but I'm the only one who says anything. There is a manager above her and he said he didn't want me to leave and would speak to her but I think those bridges are burnt.

Problem is that now I've calmed down and thought about it I shouldn't have quit. I loved that job and the money was obviously a big help. I've looked for something else but they all seem to want weekday availability...But I don't think I can go back now can I?

Sorry for the ridiculously long post I just needed to get it off my chest.
What would you do?
What should I do?
Any ideas around evening/weekend work?

Thanks

OP posts:
IggleBiggle · 05/07/2025 20:51

I would a) have one attempt at getting old job back, if not write it off b) have a look at the mortgage charter scheme; it enables you to go interest only for 6 months on your mortgage with no impact on credit rating, so it could help bring the debt down quicker- obviously mortgage payments will go up a little after 6 months. It was a government scheme bought in during covid c) ditch the shame about your debt - you need to cut back expenses to get on top of it.

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