We are currently living abroad (very abroad as in the other side of the world) while I'm on maternity leave and due home on the 1st August so I can go back to work and ds1 will be starting local school in September. Dh work have asked him to stay until end of October / early for a cash bonus of 12k. Basically when we go back to the uk we will be seriously, seriously skint after Childcare and both me and dh are well into overdrafts / credit cards (a house renovation cost much more than we expected) I think my boss would be ok with it, but my major concern is ds1 starting school late and I just don't feel I could do this to him. He's a confident little boy and has made lots of friends in a lovely pre-school here and joined a class where the kids had known each other for years, but school is very different. The idea of relieving out financial stress just feels like it would make our quality of life so much better, no more sleepless nights! What would you do? Am I horrible to be considering this?