Having to quit job- need help

[Shiraznowplease]

Hi

I am hoping all you lovely people can help me, I am having to give up my job as despite working part time my boss expects me to be avaliable 24/7 which with small children is not possible. I have had to give my notice in due to my mental health and will be doing some work freelance however I will be going from a very good salary to very little and I was Wondering if anyone could give me any tips.

Personally I wouldn't have resigned. The job market is dire at the moment and there is very little work of any sort to be found.
Can't you just stick it out and only do the hours you are meant to do?

You won’t get benefits for months since you resigned I don’t think.

What kind of tips are you looking for?

As pp- what sort of tips are you looking for?

I have lined up some agency work and some bank work ( I work in healthcare) so hopefully this will see me through. After some tips on budgeting etc as before this had a combined six figure household income so have never budgeted before just spent.

@ittooshallpass tried this but not only working much longer hours but constantly contacting me on my days off etc, really couldn’t cope anymore

How much of a cushion have you? Are you going to be part time or look to go back to full time ?

Really to give you advice we would need to know your incomings and outgoings.

For example. Our income from salary is x a month I get some tax credits of y a month and child benefit of z.

Bills as follows

Mortgage
Phones
Broadband
Council tax
Car costs
Tvlicence
Food

Etc

Have a cushion of about 30k which is roughly about a year of my salary so not too bad plus work in my field seems quite plentiful at the moment I just want to prepare just in case Covid causes a short term slump in demand for my profession (although the opposite happened in this wave). Also childcare costs etc will decrease as will hopefully ‘time poor’ spending. Cars paid off in full and I think major savings could be made in food shopping currently £200 plus a week

If you want to save money you are going to have a look at all your outgoings and see how you can cut them down.

It's worth ringing all services and letting them know you need to reduce you bill with them or cut off the service. They would rather keep you on a reduced rate than lose you completely. I did this last year and cut almost £100 off my monthly outgoings.

Go through your freezer and see what you have and either throw it or use it. Do a food plan for the week and only buy what you need. £200 a week is a lot for a weekly shop. How much are you throwing away?

Stop buying any food or drink outside the home. Go without or take it from home.

Knock takeaways on the head (we never have them - I can't believe how much money people waste on them on MN)

If you haven't already got one, get a credit card that gives you cashback when you use it. Make sure you have a Nectar, Boots and any other loyalty cards for shops you use.

Clear out your wardrobe, toy cupboards and shed/garage and see what you can sell on local Facebook groups selling pages.

Cancel any subscriptions you're not using. Have a look at how often you go to the hairdresser - can you stretch to a few weeks longer in between? If you dye your hair can you alternate a home treatment with salon treatment?

Walk more! Spend less on fuel.
Cancel the window cleaner - do it yourself!
Ditto the cleaner.

You sound like you're in a pretty strong financial position. You may be able to get another job as healthcare sector is one of the few that is booming - worth calling recruitment agencies to find out?

If you want to save money you are going to have a look at all your outgoings and see how you can cut them down.

It's worth ringing all services and letting them know you need to reduce you bill with them or cut off the service. They would rather keep you on a reduced rate than lose you completely. I did this last year and cut almost £100 off my monthly outgoings.

Go through your freezer and see what you have and either throw it or use it. Do a food plan for the week and only buy what you need. £200 a week is a lot for a weekly shop. How much are you throwing away?

Stop buying any food or drink outside the home. Go without or take it from home.

Knock takeaways on the head (we never have them - I can't believe how much money people waste on them on MN)

If you haven't already got one, get a credit card that gives you cashback when you use it. Make sure you have a Nectar, Boots and any other loyalty cards for shops you use.

Clear out your wardrobe, toy cupboards and shed/garage and see what you can sell on local Facebook groups selling pages.

Cancel any subscriptions you're not using. Have a look at how often you go to the hairdresser - can you stretch to a few weeks longer in between? If you dye your hair can you alternate a home treatment with salon treatment?

Walk more! Spend less on fuel.
Cancel the window cleaner - do it yourself!
Ditto the cleaner.

You sound like you're in a pretty strong financial position. You may be able to get another job as healthcare sector is one of the few that is booming - worth calling recruitment agencies to find out?

Sorry... no idea why that posted twice

@ittooshallpass Thank you so much for your advice. I have already got one regular day a week work booked but just planning in case the other two days don’t come. I have registered with staff bank at local hospitals and with three agencies as planning to work as locum rather than take on new job as my childcare will be easier to handle this way which will give my dh chance to get promoted. We definitely waste far too much food as we just run out of time to cook and end up with takeaways or cereal/toast. I hadn’t thought of subscriptions but we have loads for things we don’t even use. I think irrespective of money we would all be happier scaling back on material goods

I thought you were probably a nurse Try registering for private healthcare bank roles too. You'll have the choice of when to work and there is bound to plenty of work in the current climate.