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To have concerns about going back to work (long post)

419 replies

BackToWorkAgain · 19/01/2019 12:06

Warning extremely long post

I had a couple of career jobs in my 20's. Stayed at home in my 30's raising our family. Now in my 40's it is time to work again.

I have some concerns about returning to work and a couple of questions regarding child care.

Child care questions first.

My DH thinks it would be reasonable to leave a 10yo, 8yo and 6yo to lock up the house and walk 10 minutes to primary school together in the morning and return home together after school to wait home together but without adult supervision until a parent returns. They already do this walk with me daily. 8yo and 10yo sometimes walk back from school on their own.

I think we would have to pay for school wrap around care for all three children. As 6yo and 8yo are too young to be on their own and the 10yo is very anxious child and gets very frightened if they are ever left alone, even to sleep or visit the bathroom.

1. Do we need to pay for wrap around school care for the three younger children ?

My DH thinks it would be reasonable to get the 12yo to watch the 10yo, 8yo and 6yo all day in the school holidays whilst we both work. 12yo would also have to serve a simple cold lunch and get snacks and drinks out.

I think we would have to pay for holiday care for the youngest two at the very minimum. As 10yo would probably be OK with 12yo during the day.

2. Do we need to pay for holiday care for the youngest two/three ?

Now the work concerns

I have not formally worked for a decade, but have volunteered for a few things during this time. However I still have a working brain and I am more than capable of finding work and actually doing a job day to day.

In fact the thought of working with adults is appealing to me, to do work that matters rather than the endless grind of housework. All things being equal, I look forward to returning to work. However I was planning to wait until the youngest was in high school and my DH wants me to go back now...hence looking into practicalities now.

My main concern is that I won't be able to turn a profit. My last job was well paid, however as I need a local job and a short commute (because of health issues) there isn't much choice locally. I will likely end up in a minimum wage no promotion type job.

I need to balance this new income against one off costs (work clothes and a pair of shoes), work related costs (petrol/parking), child care costs AND taking into account the loss of child tax credits (removed at a sliding scale depending on my new income) and loss of PIP (which I suspect will be removed the moment I return to work, even though in theory PIP is not related to work, in reality it usually is)

I need this combination to come out with a positive number. Of course if I found a term time or school hours job that would be a lot easier to do, but nothing around here at the minute. So looking at full time hours jobs.

I know there will be comments about how childcare costs need to be taken out of DH's wage too. But in reality his wage already covers all monthly expenses with a tiny amount left over. Simply speaking, if my wage can't cover all my new costs plus turn a profit, it is not feasible.

My DH has ruled out evening or weekend work, as he doesn't want to be stuck in with the children whilst I work. Which is a shame, as this would be the easiest way to turn a profit. I will talk to him again, as I think this is the best solution.

Night work would be very hard for me, as I need to use my cpap machine a minimum of six hours a night in order to be compliant and keep my driving license.

So I am looking at week day work.

I am worried that my ill health will make holding a job down difficult.

My bowel disease means that I need access to a toilet at all times and that access has to be spontaneous, as I might only have a minute to get there. I can not finish a phone call or finish serving a customer, I need a job that I can excuse myself and visit the ladies as and when I need to.

It also means I have periods of a few days a month when I can't leave the bathroom in the morning and would near the flexibility to start work late on these days.

I also have a yearly review and every three years I have a colonoscopy. So would need time off for that stuff too.

I am on a medical diet to reduce IBS symptoms (in addition to my other bowel issue), which means I always have to eat my own food and need somewhere to store, reheat, eat food. This should be an easy one to sort out, as I carry my own food with me as standard.

My Under Active Thyroid requires regular blood tests and medicine updates to get my levels right. This is partially why I am so exhausted all the time. Probably only need two gp appointments every three months. One for bloods, one for results.

My hearing issues are mild, I wear aid in my hearing impaired ear but not in my deaf one, I can lipread. I find noisy environments very difficult to deal with and clearly struggle to hear at some times. But honestly this has never affected my work much.

Beyond people failing to get my attention sometimes and I prefer to confirm everything in a email to check I haven't misheard anything (which is sensible for everyone to do).

Sleep Apnoea adds to my tiredness and I use a cpap machine overnight in order to keep my driving license.

I am temporarily having balance issues, I am falling over more and dropping things a fair bit. But I am confident this will go away, maybe I need some exercises to do. I have a Neurology Appointment next month, hopefully it will rule out the nasties and I will get a sheet of exercises to strengthen my legs and grip.

My bowel disease and my hearing impairment are classed as disabilities but I don't consider myself to be disabled.

My DH thinks I am disabled and I should tell potential employers upfront and I am more likely to get a guarantee interview this way too. But I am concerned my issues would put them off employing me. However it would give me a chance to explain in person, how I am a good worker, despite a few health issues. So I am very undecided on this point.

I am unsure when/if I would tell an employee about my health issues. Before interview, after I start work, if it starts affecting my job ?

3. Do work need to know about my health issues ? If so when do you mention it ?

4. Will work allow me time off for regular medical appointments?

I am concerned that DH has made it clear that he can not help with the children's clubs, illness, homework. As he works long hours a good distance away.

In particularly I need to cover 12yo brace appointments every three months and 6yo speech therapy appointments one hour weekly.

5. Will work allow me time off for regular children medical appointments? Or how else do I get children to these appointments?

Currently there are also a beavers, cubs, dance, scouts and gymnastic evening clubs outside school. Plus a couple of after school clubs too.
I usually parent and ferry children around between 3.30pm and 8pm (latest one 9.30pm) every evening.

6. But if I work full time and need to fit homework, tea, bath in for the kids, I assume they will have to quit all these clubs. Or do I get a taxi to run them there, whilst I parent the other children ? How do other people do this ?

My DH has already said that he can not take time off to cover children illness, it is up to me to cover it all. Luckily only the 6yo is ill often and I am confident that this will improve in time. I am guessing I will need maximum 6 days a year to cover D&V bugs, hopefully a lot less.

7. Will work allow me time off when kids are ill ? What are the alternatives ?

I am concerned that I simply will not be able to cope doing everything that I do now and work 40 hours on top of it
However I know plenty of women do it and therefore there is no reason I shouldn't try.

But I am so exhausted already and I don't know how I am going find the extra energy I need. Already at home, I can not sit down from 3pm onwards as I will fall asleep, even if talking to someone or doing paperwork. The doctor said that is normal for parents, so I just have to KOKO.

Despite all these worries, if I can address all the above concerns and bring in some much needed money into the house, I would be delighted.

On the plus note, I want to earn my own money, help support our family, maybe save up for a family holiday. I want to stop living on such a tight budget, where so many things are simply beyond our means. It would be great to know that when something breaks we would have the money there to to fix it.

But what if I make everything so much worse for me and the kids. What if I work full time and bring in a small amount of money or nothing. I am worried that the kids will spend all their time alone or at school, have to cancel their clubs and not see their friends, so I can work for no profit.

I am definitely going back to work but I planned to get all the kids into high school first, to reduce child care costs. I just think with three in primary school this is going to be hard.

Any positive advice welcome.

I am feeling better now my concerns are written down. Hopefully I will get some good pointers from here and I can work down my list, eliminating my concerns.

Ps. Congratulations for reading this far !

OP posts:
BackToWorkAgain · 20/01/2019 18:01

Teenagemaw
If I could keep PIP that would be great, just have to see.

OP posts:
cheminotte · 20/01/2019 18:31

There is a website called People by the Hour that may be worth a look.

Romanov · 20/01/2019 18:34

where are you going to find a job that pays £25k pro rata? thats £40k before pro rata-ing, if you base it on a 25 hours part time? are you going to wok full time for term time? and how about your health problems? and will D(?)H be stepping up with child care help? or will you be dropping all the after school stuff?

I found this, which may help I have no idea how term time working works, so my figures above are really just estimates etc

www.turn2us.org.uk/Benefit-guides/Working-hours-benefits-rules/Calculating-work-hours-Term-Time-Workers

For example, Maria is a single parent who works 20 hours per week during term time, i.e. for 38 weeks of the year, and does not work or get paid for the other 14 weeks of the year. The weeks she does not work are ignored so her average hours for the whole year are 20 per week.

Maria is not eligible for Income Support as she is classed as being in full-time work, even though she does not work during the school holidays. However, she is eligible for Working Tax Credit as she is classed as working over 16 hours per week, even during the school holidays when she is not actually working.

BackToWorkAgain · 20/01/2019 18:58

Romanov I have found a £10k job, local and little to no childcare needed. So I am starting with that one.

OP posts:
Romanov · 20/01/2019 19:20

fantastic news, well done!!

what are your hours?

BackToWorkAgain · 20/01/2019 19:29

Romanov Found one to apply for I mean. Application deadline this Wednesday, Interviews this Friday, starting date for successful candidate 1st Feb !
30 hours Term time...I am guessing the hours are 8.30am to 3pm with 30 mins lunch.

OP posts:
BackToWorkAgain · 20/01/2019 19:30

It is a 13 minute drive from the kids primary school !

OP posts:
BackToWorkAgain · 20/01/2019 19:31

cheminotte Thanks for the link, will look at it.

OP posts:
RaisinClaw · 20/01/2019 19:32

This is just one thing my abusive ex did to me - prevented me from working.

Iwrotethissongfor · 20/01/2019 19:57

I think in light of everything you have disclosed about your husband’s character he seems really cold and selfish. He doesn’t want to be stuck in with kids in evening? That’s breathtaking I would be devastated if that’s how my husband saw things. But that he doesn’t want them properly and safely looked after or for the eldest ones to have their own time and space to be kids? He’d rather the kids cancelled their mid week after school classes and the elder kids became childminders, before and after school and full time in summer, despite it being inappropriate, unsafe and unfair to both minders and mindees? Even leaving aside everything else, who cares if he makes you laugh until you cry if he has so little regard for your childrens’ safety and happiness. From what you’ve said here you need to her a grip for your children’s sake and realise your husband’s attitude to them is awful.

Dogsmellssobadbob · 20/01/2019 19:58

‘ I could catch up with the kids during holidays’

Oh FFS OP you are being so ridiculous. Plenty of us work full time and get on with it when it comes to the kids.
You are being so melodramatic no wonder your DH is a bit fed up.
Your family needs the money and your kids are all at school so you need to work.

bedunkalilt · 20/01/2019 20:35

Another practical point @BackToWorkAgain, if you get a job like the one you’ve stated which earns under the personal tax free threshold (currently £11,850 IIRC) then look into the Marriage Allowance if you’re not already familiar. You can transfer some of your tax allowance to your DH which saves some tax, up to £238 a year. It also depends on your DH’s income but take a look at the link.

Smoggle · 20/01/2019 20:45

If you're only aiming for £100 a month then why not just set up an ironing service? 2-3 baskets a week would earn you that.

BackToWorkAgain · 20/01/2019 21:50

Smoggle The job I am applying for would bring in £500 a month But I would lose £200 in child tax credits and possibly £200 in PIP. So my additional money would be £100 but I would be earning more.

Plus to offer an ironing service...I would first have to own an iron, lol !

OP posts:
BackToWorkAgain · 20/01/2019 21:51

bedunkalilt Yes, I knew about the married allowance thing.

OP posts:
Smoggle · 20/01/2019 21:56

Wouldn't buying an iron be a little bit less stressful than working 40 hours a week, your children having to go to childcare, give up all their clubs, your 12 year old having to take care of herself and you doing all the housework at the weekend Confused

BackToWorkAgain · 20/01/2019 22:17

If I get this local job or something similar. Kids won't have to go to much childcare...maybe just before school. DH would be taking them to their clubs and it would only be 30 hours term time,that is very doable.

OP posts:
BackToWorkAgain · 20/01/2019 22:18

Younger kids and I should be still home before 12yo.

Really it is the perfect job for me. I hope I get an interview.

OP posts:
Tobuyornot99 · 20/01/2019 22:41

OP, you are being very blinkered about this whole thing, as many pp have said. You're going to turn your kids lives upside down for £25 a week. The 12 year old will be over burdened and no doubt resentful. Just do some work from home and earn the £25 fgs.

HoraceCope · 20/01/2019 22:44

How about book keeping? on an ad hoc basis? Can you do that?

timeisnotaline · 20/01/2019 23:09

I think if the op doesn’t even have an iron, starting an ironing service is a bad idea. Buying an iron is easy but so is doing ironing badly and so is destroying an expensive garment.

Pumpkintopf · 20/01/2019 23:29

Still don't understand why you won't use your skills from home rather than being wedded to taking on a job for £25 a week full time...

ohamIreally · 21/01/2019 00:10

Because she doesn't actually want to work pumpkin.
There was a post recently with a woman with 4 kids who didn't want to go back to work but felt that restricting their budget would achieve the same aim. I'm not convinced this is not the same poster.

NoSquirrels · 21/01/2019 00:17

Please reread the post from SchrodingersUnicorn, OP.

Did he honestly think putting aside my ill health, that I could continue to do everything here AND a job?

Presumably he did. And now he's "sad" it's not possible. FFS.

Get your finances sorted properly. None of this "you pay for all the kids expenses and he pays the fixed bills" nonsense.

He watches his money.
I get set monthly amount from the main account and use that alongside child benefit, child tax credits and PIP.

I cover food for everyone, school dinners, bus fares for high school, kids clothes, school trips, cub trips, party presents, all the children related costs.

DH pays mortgage and all the bills.

You have 4 DC. You probably pay A LOT. Sort it out so you have a joint account which you can both see, a joint budget which you both have input into.

And I am FED UP of hearing men say they can't ask their employers for flexible working. He can - it's enshrined in law. What he means is - he won't. But then now he's saying he promises to rearrange his day and take the kids to clubs... do you trust that as a permanent arrangement?

He still doesn't sound like a supportive husband or father. And you still sound like you shouldn't be entertaining this with your health issues and 4 DC to sort out. For £100 a month.

Will £1,200 a year really help you that much? You need to look at the finances overall.

If your DH is reluctant to do this, there is a big problem.

SheldonTheWonderShlong · 21/01/2019 00:18

Even if 12 year old is sensible please don't even consider making it their responsibility to look after 3 younger siblings during the holidays. It's just too much.