To want a second job, DH doesn't want me to?

[HCAdvice]

So I have recently started a new job much closer to home and the hours are much better. This means I don't have to leave for work until 8.45 and get home at 5.15. The job is great and I love it. I previously left the house at 7am and got home at 7pm, the job was terrible and I was miserable.

We have debt and if we carry on paying it off as we are then it will be gone in about 5 years.

I want it gone sooner (we should never have done it in the first place, young and stupid both at fault). We don't earn loads about 37k a year between us both work full time 9-5 office jobs.

I want to get a second job, early morning cleaning before my current job so that we can pay the debt off quicker. DH already has an early start so not an option for him to take morning job.

DH is really worried that I will get down again if I take on more hours etc. I have explained that it was the job not the hours and that I was just travelling for 4 hours a day not making any money.

This way i would still get home at 5.15 and have a whole evening.

So what do you think AIBU?

I think he's NBU to be concerned if he thinks the longer hours contributed to you feeling down but ultimately it has to be your choice of course, the worst that can happen is that you find it too much and then you can quit, right? It's nice he's concerned about you though

I think neither of you are unreasonable.

Both have your concerns. Its ultimately your decision. At the end of the day you can always stop if it negatively impacts you.

Have you looked at the tax implications on a second job, to make sure its worth it?

Could you settle on a trial period and agree to have a chat after about a month or so to see if it's working?

I'd recommend a short trial so you can see if it works for you, and he can see if it is making you unhappy. FWIW I work full time and have two part time jobs, more as a hobby than for the money but it pays for a couple of treats a year like weekends away and Christmas presents. I sometimes do feel tired and unwilling to go in to the day job though!

Why not start a side hustle you can do at home at any time of the day? Online surveys, matched betting, focus groups. There’s loads to choose from

There isnt much time before you have to start at 8.45 so what time were you thinking of starting?

Work out if you have time and if it'll all fit in and then give it a try.

If you start to become down or simply get too tired then you can stop.

I think it’s nice he cares about your well being, but ultimately it’s your choice and you should do what YOU think is best.

I like the side hustle idea!

i really wouldn't, if you ae not on the breadline by paying off what you are at the moment. You have a nice commute now, a nice job, so i would use this time to get myself right and spend the evenings cooking nice meals, going to a class, exercising, read a book, anything you didn't have time for or in the mood for. Is there an opportunity for bonuses or pay rises in any of your jobs? If so use this to pay off the debt. As people say you might not hav time to so anything in the mornings and you will find that your evenings will get busy. You will also find you might get too tired. Enjoy the time now and your new job

Second jobs are rarely worth it after tax

I agree with pp:
Plan it out, try it for one month, then review together

Debt is depressing, so if you can pay it off earlier, it is less stress
but not if the extra work gets you down

Given the tax implications of a second job is it really worth it? How much will it shave off your debt?

The comments re tax implications of a second job If you can pay off debt quicker and you enjoy the job, I’d do it. It just means you need to factor in transport etc costs more.

Yes, you don’t make as much per hour as the first job as this is usually above and beyond your personal allowance but equally this is for extra money to pay off debts not your essential living money! The question is - is it worth it to you?

A second job is no less worth it than getting a pay rise that takes you above the personal allowance of £12500. You are taxed at 20% on anything above this (up to £50k) regardless of whether it's your main job or not.

A second job is no less worth it than getting a pay rise Except for the additional hours.