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Feeling guilty about not working now my child is in Reception

79 replies

WhiteDress86 · 15/09/2026 23:17

My husband and I are both in our late 30s and have a 4.5-year-old daughter. We live near Leeds, in a nice-ish village. My husband is considered a high earner — his income before tax, etc. is around £140k a year.
Our monthly outgoings are roughly £1,200 on the mortgage and £1,500–£2,000 on bills, groceries, gym, classes, etc. Everything else is saved or invested. We're debt-free apart from the mortgage. All our money are in a single account.

I had a pretty good career before I had our daughter. I stopped working to become a full-time mum, although I did some freelance work for a bit of fun money and, if I'm honest, for some sense of self-worth. Our daughter started nursery two mornings a week when she turned two, more for the socialisation than anything else.

When she turned three, I thought I'd have a go at getting a part-time job and landed a role at a regional organisation. The job was perfect: just three days a week, with the flexibility to work from home most of the time. It meant sending our daughter to nursery three days a week, but she really enjoyed it.

I took home around £1,500 a month. Half went to my husband to put into savings, and I spent the other half on groceries and fun things, days out, treats, etc. I absolutely loved my job. It gave me a sense of purpose and independence.

Unfortunately, due to a company-wide restructuring, I lost my job in July.
My husband said it was fine. He actually preferred me as a full-time mum anyway, as I was sometimes too busy to cook proper meals (maybe once a fortnight!), and he pointed out that we didn't need the extra money. I was also grumpier thanks to work!

However, now that our daughter has started Reception in September, I've found myself wondering: am I even still a "full-time mum"?
Worse still, we'd committed her to three days of after-school club because, at the time, we didn't know I'd be jobless! I initially wanted to take her out of it, but seeing how much she likes it, we might just continue. She only goes for an hour or an hour and a half — she doesn't stay until 6pm.

I know I sound like a brat, and, to be honest, I don't really know what the point of this post is. I know I'm incredibly lucky to be in a position where I don't have to work. I'll also be getting rental income from a flat I bought before I got married (my sister is living there rent-free until next year, when she moves out).

I've been applying for jobs, but the job market in the North is bleak. My freelance work has dried up, and my attempts at becoming my own boss (I tried to run my own consultancy) were, frankly, hopeless.
I guess I just feel like I'm not contributing much to the family.

I do the school runs, cook all the meals and do all the chores, but I still feel like I need to earn money. I don't have many hobbies apart from reading and gardening, and I don't really socialise much because most of my friends and fam live far away. Im introverted so I'm happy to just chat with my friends online anyway.

My husband is supportive and loving (although he can be a bit chauvinistic!), and he's a great dad.

Anyway, that's all. I just wanted an outlet to get this off my chest. Thank you for listening!

OP posts:
DrCoconut · 17/09/2026 22:19

If I had someone who was able and willing to pay all the bills so I didn't have to work I sure as hell wouldn't feel guilty about it. OP assuming there is nothing you are holding back about your situation and you have proper access to family money/future planning, the world is your oyster. You can take up any volunteering, hobbies etc that you want. Travel regularly. Not worry about a cold winter. Or go back to work knowing that it is optional, you don't have to grit your teeth and suck up all the BS so you can pay your mortgage. Most people will never have that. Just another perspective and I wish you well with whatever you end up doing.

TwinklySquid · 17/09/2026 23:55

What about doing something like being a virtual assistant? If your former area of work was niche, you could market as that. It would be “fun money” but something.

Id always advise women to have their own income- no matter how small. You never know

IAmNotMyJobTitle · 18/09/2026 06:20

Not knowing where the money is going is very naive, OP.
At the very least you should have claimed child benefit. Even if it’s £0 it protects your national insurance contributions for your state pension.
If your husband is planning well you both should have ISAs of some form, but you would be getting correspondence for it if that were the case.
I’d be asking for a breakdown of where the money is.

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Bringingthesnacks · 18/09/2026 11:43

Do you have access to all of the savings? They should be in joint names. You should also have a joint account and be putting money away for your pension.
If you don’t have access to savings and he won’t put it in joint names you’ve got an issue.
Don’t just hand over all the rent money you will be getting once your sister moves out of your flat. Put some of that aside for yourself and put some into pension.
Id say if you’ve got access to and a good over view of all the finances I’d enjoy being a sahm for now whilst still keeping on looking for something that works around the school time table.

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