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?

"But mummy they all smell and wear trainers"

😂😂😂

@Stackss - if he’s not going to listen to you about economising, what makes you think he’s going to listen to you - let alone get off his arse of evening and actually head out the door - re delivering takeaways….?

Take your kids out of private school - not needed for smart kids

You might have to do what I've recently done.
Privately sell some of your jewellery or collectable items.
Swap to cheaper cars etc

Yeah imagine the turmoil of changing schools? That would be unbearable. No child should ever have to change schools. Just have the house repossessed instead. That won’t bother them.

More seriously though OP, sit DH down with your calculations/spreadsheet until he takes it in and you come up with a plan together. You’d be better off economising than making him work all hours for a few extra £s a month. Talk to school about any bursary for the rest of this year and then move them after GCSEs.

Well, to my surprise DH is going to look into signing up for Deliveroo and delivering in evenings and at weekends.

This is the first time he's faced up to the reality of the situation. We'll see if he actually gets out on his bike.

I wouldn't have thought a part-time Deliveroo job would bring in at least £20k after tax, as that's the minimum you'd need to fund 2 DC at private school.

You should really look at other ways of cutting back, if your DH is not willing to do this Deliveroo job on the side.

A friend of mine used to do Deliveroo along side a self employed role. Until you are a top tier Deliveroo driver you get second dibs on time slots and locations. So the dinner time slots in posher areas (more expensive orders, bigger tips) went to established drivers first. He had to start out at unsociable hours in the studenty area (no or low tips, low value orders), so shifts might start at midnight.
So it's unlikely you'll get slots to fit around a professional job and make anything like £800/month at the start.

From the sounds of it you need to have the discussion and move. How old are the children? If they’re in private secondary I would be reluctant to move them, less so with primary.

So OP is the one trying to economise but because her husband refuses to engage she should go out and get a second job to continue to fund the lifestyle her husband wants because otherwise she is controlling? What planet are some people on.

OP Deliveroo will not bring in £800 a month working evenings only, and as others say you will pay tax on that. Can either of you get higher paying jobs?

Well that was resolved quickly.

@Stackss all the best op

But as you're both high earners, he'll lose about half of what he earns to tax. It's pointless.

Well exactly, and I’m revising the numbers on my earlier post as a quick Google shows that Deliveroo pays about £12 an hour, if you’re lucky. For a 45% tax payer to clear £800 you’d have to work the best part of 130 hours a month - not far off another full time job. It’s just not a sensible plan.

Cancel Netflix? Sack your cleaner? Stop buying daily lattes? Caravan holiday for a week instead of a fortnight in The Algarve? Shop at Aldi instead of Sainsbury?

How much cheaper a house could you have bought that the difference in the mortgage would allow for private school fees for twins? It sounds like you just can’t afford private school, full stop. Like most people.

But if other people haven't got spare money to buy take away they won't need extra deliveroo riders will they !

2 kids at private schools ?
How the other half live beyond their means eh !

Private school is a business at the end of the day. You wouldn’t tell the OP to not continue to stay with British Gas because British gas is who gives you gas now and has done for years because gas is important. Surely you’d be telling her gas is important but so is living and seeing as ovo do the same gas but at a cheaper price maybe go there?

sheesh

Can you post a bit more detail of your actual spending as posters could probably suggest reasonable cut-backs. If you’re both in professional jobs you might find contractually you’re not allowed a second job. There’s no way you’ll make £800 a month doing it on top of another job.

Perhaps don't pay your kids to pass exams 🙄

They're not looking to fund 2 DC at private school through delivering takeaways.

They’re just looking to top up their earnings, as they’re feeling the pinch.

What are your local state schools actually like? What stage are your DC?

So you’re paying more out than you’re bringing in. By how much, I wonder? He’s not willing to cut back, so what’s his solution then? That’s really the question.