To tell DH to ride for Deliveroo in the evenings?

[Stackss]

Like everyone at the moment, we are struggling a bit with the cost of living. We aren't poor by any means (both in middle class jobs) but tbh we have overstretched ourselves wrt our mortgage and private school for 2 DC.

DH has always had his head in the sand when it comes to finances and assured me we could afford the mortgage and private school- and tbf we could prior to the current situation. DH is not willing to countenance any budget cuts such as looking at cheaper areas or state schools.

Frankly we need to bring in extra money to continue to afford our current lifestyle. WIBU to tell DH he will need to get out on his bike and do food deliveries for Deliveroo and Uber Eats to bring in funds if he isn't willing to cut back?

@AnneLovesGilbert

He simply isn't interested in having a discussion- he just buries his head in the sand muttering that everything will be fine.

We are not about to be made homeless overnight but we will run out of money by the autumn unless we cut spending.

Do Deliveroo really use cyclists to deliver stuff? I'd be pissed off at having to wait for my food. I want it delivered by motorbike or car, quickly. I'm hungry!

Take in a lodger?

It sounds like he's going to have to learn the hard way. Are you using savings to pay bills at present?

Have you looked into whether you might be entitled to a bursary?

Deliveroo won’t solve your problems. You need to move (I would do this rather than take kids out of school if they are happy).

YABU. Go and get a second job yourself!! Presumably you also agreed to this mortgage and all the associated higher bills so you can’t blame the tight financial situation entirely on him.

In central areas bike is often quicker than car

My understanding is that there would be the potential to earn about £800 month on deliveroo, which would be helpful.

But you need to pay tax and ni om this also. Presumably since you're able to afford private school you'll be both in the 40% maybe 50% tax bracket.

You'll lose 50% of that £800 to deductibles

If he won't accept the situation, why would he take on a second job?

I reckon you'd have to do a lot of hours for £800 and remember it's taxable at (presumably) 40%

You sound a bit like you’re lashing out as you’re panicked? I’m guessing he’s a bit panicked too. Other than the school fees and mortgage is there anything else you can cut back on?

Not sure what your tax rate is or your husbands. But if you’re on20% and husband on 40% or vice versa then makes sense for you to do deliveroo

Well maybe you need to leave it a bit longer for reality to hit in?

You've missed the boat to take the DC out of private school for this term anyway, so leaving it another couple of months can't hurt.

DH has to realise for himself that your current lifestyle is unsustainable. Of course it could be that he's the one that's correct and it will actually all be ok.

Have you had the serious sit down and look at the budget conversation?

With regards to job, DS used to work in Tesco and there were a surprising number of people who had professional 9-5 jobs and then worked a 6-10 shift in Tesco a few evenings a week.

I doubt that deliveroo would pay enough to maybe much of a difference just doing it for a few hours a couple of nights a week. Anything more and whoever’s doing it will burnout if they’re also holding down a full time job.

you both need to look at your outgoings.

sky/Netflix, phone contracts, groceries, takeaways and meals out, holidays, subscriptions (magazines, newspapers etc), insurances (car, house, home, travel), work lunches (take food from home) and coffees, spending on clothes, thermostat temperature at home.

i expect when you look you’ll see that there are loads of ways of cutting your costs quite quickly without compromising too much.

How many hours do you both work now? Are they stressful jobs?

LOL

Do you fancy doing deliveroo?

Split finances and just put in your half if he's wasting money.

I've just realised you are the poster who is paying her twins to revise! Well, perhaps you could stop doing that for a start?

Are you from the future??? Ive literally never heard of this haha

Why can’t you get a second job? Ridiculous

What “middle class” jobs do you both have?
is there no scope for extra earnings within your current professions?

Deliveroo pays roughly £10 per hour (between £7 and £14 apparently).

To earn £800, he would need to do 80 hours so 20 hours per week (I’m assuming 4 hours a night 5 nights a week). Assuming he is a higher rate tax payer, that would take 45% so £360. That leaves £440.

While that’s not peanuts, it doesn’t sound like it would touch the sides of your outgoings.

Also, if he works 9 to 5, allowing time for commuting, he is likely to be out until 9.30 or 10 at night. I’m not sure that’s sustainable long term - him losing his job because he’s tired won’t help things.

Add in that people are cutting back on takeaways, there might be nights he earns much less.

The deliveroo idea is silly, but certainly he should be taking serious responsibility for the situation his over-optimism has landed your family in.

Ignore the eejits saying 'you do it'.

If the op can cut her spending by 300 a month why should she get a job as well?

Why does the dh get to bankrupt them by not acknowledging the situation

Why can't he? Ridiculous to make it her responsibility more than his.

I would not send my kids to private school if their dad was having to drive around as a deliveroo driver to be able to afford it.