Hi all, have posted here as I know there are usually more responses! Dh and I are in grim financial situation. he works fulltime, earns 32k. I do 30 hours per week and earn 17k. We are in an IVA but this ends in Sept 2013. This will free up a very much needed £230 per month. We get child benefits but no tax credits. Our childcare bill is quite big. Cm is £375 per month and nursery is £260 per month. We have DD who is 2 and DS who is 8. Mortgage is £839 and crippling. It is an NRAM mortgage, house was recently valued at £130K , but we bought house at £119k but got a secured loan so mortgage was £141K. Have been here 7 years now and no chance of being able to upgrade/move due to IVA and our terrible credit rating/no money for deposit/no equity. We struggle month to month, last 2 months dh and I pawning our wedding rings for food as we have no back up of credit card or overdraft. we have used payday loans in past but got totally sucked into it and have paid the price.
SO, I have been thinking of going full-time, plenty of women do it but am worried about the impact on the family, someone else giving them tea, seeing them so little and finding time for quality time rather than chores. We have had such a lovely bank holiday, the thought of being away from them more saddens me but if working more meant we could have more nice days I would do it. Lack of money affects the kids, always having to add up what is in trolley, going to the bloody park nearly every weekend. they don't really go without, I know it could be worse but there is such a lot of guilt attached. Would you go full-time in my position?
I do love my job...