Thnaks for the commnets.
I have done a budget, which shows we can manage comfortably on my salary during maternity leave (I have generous scheme which mainiains half salary after the 90% period). Na dthat is even before you factor in any bonuses that I might be due (I can theoretically get my slaray gain in bonuses), plus the fact that from next August the car will be paid of, but I will continue to get an allowance of £450 (before tax - £270 after tax) towards it, so it will be effectively "free" oney (give or take an MOT or service etc).
The probelm is that dh is positively anal about moeny and savings. However much I reassure him, he worries about "what ifs".
A cheaper golf club is not an option - the ones around Glasgow all have massive long waiting lists - and if you knew where he played (it 's a 40 minute dirve form Glasgow), you'd understand why he wouldn't want to join anywhere else. He suspeneded the membership last year, but can only do that every five years or so - so this year it would be a case of having to give up the memebership.
He has just paid for the next year of the course, so that is not an option. We'd already had the debate about whether he should defer a year, or even repeat first year (it is an extremely tough course) but made the decision that while he had this opportunity to do it full time (while most people are trying to fit it around their day jobs - albeit most of them are already working in the wine trade), he should go for it. But he is really enjoying it.
I'm sure, or rather I hope, he will come around. I'm hoping that he will come back from the golf in a better mood and we can have a chat this evening.
I don't think I'll be albe to sway him from his conviction that he needs to start looking for a job - I just hope that he doesn't end up resenting me. One of the things that we hadn't finished talking about was whether he should invest some of our savings in some career consultancy - I think that's a certainty now.
Here's hoping that between now and the New Year, our Premium Bonds come up with more than the £150 that we usually win each month! (between the three of us, we have quite a lot! )