Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Lifestyle or salary first

22 replies

Tigger03 · 16/11/2020 14:06

I’m just wondering whether people have gone for a job they like and lived their life according to that salary, or actively gone for a higher salary to meet specific lifestyle wants.

I’ve done the latter and progressed in a well paid job so that in theory I can get a large house / nice holidays. The high paying job was always the goal, and it didn’t really matter what it was.

However, I don’t enjoy my job and given it takes up so much of my life, wondering if it’s worth it. Would I be better taking a lower paid / higher satisfaction job and cutting my cloth accordingly.

What have you done and do you regret it?

OP posts:
wegetthejobdone · 16/11/2020 14:42

I work part time, term time only in education. I get paid more than minimum wage but a lot less than the role my qualification was in. However I leave work and don't worry about anything and my job is interesting. Its a great compromise I think. I also work for a big employer so its relatively easy to pick up extra work, and the plan will be to move to a different role when my kids are older.

I would like a bigger house and bigger garden, but I don't want to have to work until I'm 70 to achieve that - I can work part time in this house and still have the mortgage paid off before age 50. DH has made a similar compromise, prioritising quality of life over pay.

I don't regret our choices so far and I think that is key - it doesn't matter what anyone else things so long as you are comfortable with it.

Calmingvibrations · 16/11/2020 15:04

I did the opposite to you and chased something I loved that was poorly paid and required a lot of work experience and training - all while my peers were climbing the ladder.

Today, 80% of the time I think I made the right decision, however I’m aware that this is because I have a partner who is well paid. If it wasn’t for him, and a bit of inheritance I would be renting forever in the cheapest flat around, with very little left over for non essentials. Then I would absolutely think I’ve made the wrong decision.

As I get older, the more I appreciate that a ‘good job’ is more than the job itself, but travel, hours, stress, pay, people.

Years ago I would happily commute far, long hours , stress for something I loved. I’m too tired and feel too old to do that again!

Also lower paid jobs don’t always come with lack of stress. Apparently lack of autonomy is linked to high levels of stress...

Aiguablava · 16/11/2020 15:11

I work part time so that I can spend more time with my family and I feel like I made the right choice. There are times when I wish I had a bigger house or could afford a holiday to Thailand but when ask myself if I would be willing to work more hours to achieve these things I always decide that its not worth it.
I am looking for a better paid part time position but they are hard to come by especially now but I don't imagine myself ever working full time.

The8thMonth · 16/11/2020 15:18

I've always taken the higher paying job and yes, I now work a lot not doing something I love. There are bits I like about it but I often wish I worked a bit less.

It has afforded me and my family a comfortable lifestyle and we've always lived below our means.

Good news is that we will soon be able to give up working these types of hours for this pay because we've been able to save enough to be financially independent. It doesn't mean I won't be working, just that I can downshift my career and work the hours I want to for lower pay and more life satisfaction.

Kerry987 · 16/11/2020 15:19

I have chosen life style and worked part time since first child was born; have enjoyed spending time and doing things with them, also holidays; however this means we may not be able to retire early and will have to work passed 60. There is no perfect; I don’t regret it as Children grow really quick and we have made lots of memories together.

blue25 · 16/11/2020 15:25

It doesn’t have to be one or the other though. I’ve gone into an area of work I love and am really engaged in. It’s also well paid so we have a nice house, great holidays and can retire early if we want to.

Fleabagster · 16/11/2020 15:26

I’ve just accepted a job that will pay me half what I ‘should’ be paid according to qualifications and experience but it will mean barely any responsibility and hopefully far less stress but still in a field that interests me. I am lucky that we don’t NEED my salary but we’re certainly not flush. I’m hoping it will make life easier. I’ve realised I’m not good at juggling or doing lots of different things well - when I was in a more responsible job my house was a disaster and I wasn’t attentive to my family in the evening. I’ll report back!

PurBal · 16/11/2020 15:27

Lifestyle all the way. I grew up in a household where my parents focus was on money and the next pay rise. I saw my Dad for two weeks a year because he had to work overseas to achieve that level of income. I earn less in a year than my Dad did in a month but I wouldn't change it for the world. I enjoy my job, I like my colleagues. I don't want to be a slave to our mortgage and I want to enjoy spending time as a family.

JoJoSM2 · 16/11/2020 15:27

I think it’s quite a tough decision as you do get used to a higher standard of living. It creeps up on you over time and gets to the point that what most people consider a luxury, you consider a very basic thing.

I think for me it would boil down to how much you’d need to cut your cloth and how much of a pay cut the new job would entail. Eg going from a large detached house and multiple fancy holidays to a small flat/house and a week camping could be a bit of a depressing cut back.
However, if you feel that you can still have a half decent lifestyle with the reduced income, then life is too short to be miserable most of the time.

Whitecart · 16/11/2020 15:33

I put my quality of life first. My first career was very well paid but demanded so much of me, a lot of travel away from home, long hours. Sounds exciting but it got old fast. I did a masters in my early 30s and switched into a more creative career. I still make good money but I work for myself now, and have a much better work / life balance. I have a nice house, and a good standard of living. I’d also say that as you get older you care less about all the things money can buy. Your time is so much more valuable.

doubleaces89 · 16/11/2020 16:49

There was a study done a couple of years ago that said any income beyond $75k doesn't bring any additional happiness.

However, I've found that only a small fraction of people do jobs that they really live. The rest of us fall into something that pays the bills, some are just better paid than others, while others are more stressful. I once worked for an manager that was on circa £90k, but had hardly anything do do, while a friend of mine was a finance assistant on £25k, but she always took work home.

You just have to find right balance for you. I worked quite hard to get to middle management, but have no desire to go any higher.

Remember Keynes said "in the long run we are all dead"

Tigger03 · 16/11/2020 17:02

Thanks all, a lot of food for thought! My current plan is to keep my current career for another 7 years, which will hopefully give me enough savings to step back a bit, but there will always be the sentiment that I could stick with it and have a lovely big house etc. But not sure if these things actually make me happy!

I’ve yet to have kids so that might give me the epiphany I need...

OP posts:
muddledmidget · 16/11/2020 17:09

My husband and I have put in the time to get careers that pay well, and now use those careers to have the lifestyle we want. I'm self employed and he's a locum, so we pick and choose our working hours and contracts to enable us to do what we want to do. If we want to take 6 months off to travel we can, plus we can work extra hours in the months leading up to it to pay for it. If I've spent all my tax savings on said travel, I can work extra shifts to replenish them before it's due! But we made sure to pay off our mortgage first and have since extended rather than moving so now have the house we want in an area we love, and our careers work for our life

burntpinky · 16/11/2020 17:12

I’m struggling with this at the moment to a certain degree. 2 kids: 2 and newborn.

I’m working in a job which pays well and only 28 hours a week. But it pays approx half of what I could earn if I went back to what I was doing pre-kids.

Pre-kids job highly stressful, hugely paid, demanded so much of my time and mental health. Post-kids job bloody boring, well paid but much less so than pre, very little stress, flexible, and can turn off on weekends, holidays, evenings.

But I’m SO bored and frustrated and also miss the money.

Don’t really know what to do for the best!

kurtainwoz · 16/11/2020 17:31

I think it's tough.

I was never interested in not working but post dc needed a more family friendly career. I now have a relatively easy job that's not badly paid but know I'm capable of earning more & doing more. Pre kids I would easily be on 70k plus now. However I'm p/t & almost tto, crucially it's a 15min walk which is bliss. I see jobs for more money & think should I apply but then realise the trade off of more stress, more childcare is probably too high.

I'm lucky that DH earns a good wage but honestly to have the house, holidays, lifestyle I ideally would like we would need to earn a million so i'm also a little materialistic but life is expensive these days.

kurtainwoz · 16/11/2020 17:32

My new career has options though so once the kids are older I will chase the money again but it doesn't pay loads.

OneKeyAtATime · 16/11/2020 17:51

There is a threshold I wouldn't want to go under but other than that I would prefer a job that isn't stressful

JoJoSM2 · 17/11/2020 08:50

OP, are you planning on having kids? If not, then you really don’t need a big house, do you?

Anyway, I think it’s never-ending as there will always be the next thing. Once you’ve got the big house, you might like a second home or a fancy car or an arbitrary amount of money in your investments etc.

maxelly · 17/11/2020 09:40

I think unless you are one of the lucky few who has a job which is both incredibly enjoyable, fulfilling and well paid (and even these sometimes have their drawbacks such as long hours, anti-social hours and limited flexibility), there's going to be a bit of grass is always greener whichever choice you make. If you go for less pay, more satisfaction you may resent not having the nice house etc (particularly on difficult or stressful days which all jobs, even 'nice' jobs have), and if you go for the nicer lifestyle you get fed up and bored of your job (and sometimes can start to take what you have for granted and feel the lifestyle isn't worth it). I think this is totally normal and feeling this way occasionally doesn't truly mean you've made the wrong choices in life, a bit of occasional malaise and regret or 'what if' feeling is probably just part of the modern condition - I think it's a recent phenomenon because really (particularly for women) we've only had choices and options of what to do with our lives and careers a relatively short period compared to the time when everything was pretty much fixed for the majority in a not very fulfilling path, and sometimes everyone is seized with fear we've wasted our opportunities!

This is going to sound cheesy and I am not sure there is a single 'right answer' to your question, but if there is one at all it needs to come from within you, not from other people telling you what they think, as that will (a) never give you a consistent answer, everyone is different and (b) doing what other people want doesn't make you happy. You need to do some reflection on what really makes you happy, and although we've been taught to think it's materialistic and shallow, there is absolutely nothing wrong with saying that what makes you happy is having a nice place to live, the ability to travel or pursue hobbies or whatever else encompasses your personal definition of a 'nice lifestyle' - once you know this you can see if there are any changes you can make towards making your life even better, or things you've been thinking of as necessary that really aren't (e.g. status symbols, 'keeping up with the Joneses' type things)- that might lead you towards a career change if your job really doesn't make you happy, but don't feel it has to happen in a huge dramatic overnight way where you quit your job, sell your house and go and live in a tiny shepherds hut to be a full-time artist like something in a Sophie Kinsella novel - although it always works out for her heroines I am not sure that is a practical plan in real life Grin . If for instance you wanted to pursue something creative, running your own business or studying towards qualifications for a new career, then building that up part-time/evenings/weekends at first whilst continuing the safety net of your current role could be a good idea - this will allow you to gradually 'scale down' aspects of your current lifestyle you don't feel are necessary while increasingly concentrating on something new and more fulfilling - but also lets you try out the reality of whatever the 'new' thing is to see if it matches your expectations/fantasy and is something you really would enjoy full-time (being self-employed is not for everyone, for instance, and some of the jobs often recommended as fulfilling/low stress come with their own issues and stressors). Or you could look at making a sideways change within your current field or company to something related but a new challenge or different focus to keep things fresh and interesting? While I enjoy my work and it is reasonably well paid, I do find personally I need to change jobs quite often (every 2-3 years on average) or I start to have existential crises about the point of my life!

burntpinky · 17/11/2020 15:41

@maxelly spot on post

WombatChocolate · 19/11/2020 18:11

I think there is a balance to be had.
As a previous poster says, there is a wage below which you won't be able to live the minimum standard of living. You find acceptable. This differs for each person, but you should be able to identify the minimum house size and rough standard of living and their costs that would feel acceptable.

Then you need a job that will deliver at least that. Beyond that you have some flexibility. It is always a case of weighing the extra earnings from a job against the journey, stress, elements you don't like etc etc.

Personally, I do a reasonably paid job that I don't hugely enjoy. Because I am part if a household income made up of what myself and DH bring in, the key thing for us is our family income and not the individual elements of it. We know the standard of life we are happy with and what it costs to provide that, plus to include savings etc which we value too. Once we have done enough work to reach that level, then we stop. This essentially means we are able to work part-time. Sometimes our target income has been higher or lower depending on particular outgoings and in light of that we have increased or reduced our hours.

Having a target income is very helpful. It needs to include your lifestyle choices but also include things like pension contributions, savings etc that you consider key to your longer term financial planning. Lots of people never reach this target income and so they are always driven to take a more highly paid job even if they don't enjoy it. However, if you can be happy on a smaller amount, it certainly gives more flexibility and working and that might include things like when to retire.

Some people are easily satisfied and small inesoensive things give them pleasure. They can often choose their work, reduce their hours and retire early. Sounds good! Others are never satisfied but always want more and so constantly have to look for promotion or to do more work, and it's made even worse if they live beyond their means and have debt which forces them even more to chase higher salaries to lay it off.

I think it's good to try to live within your means now and if you aspire to a higher standard of living to seek it through higher paid work, but not allow yourself the standard of living until you can afford it.

Certain things like reducing your mortgage by over-paying or getting rid of the mortgage through over-paying can also mean that later there are far more choices. Doing this can mean private schooling can become an option, or retiring early, or moving to a bigger house later, or having a lomg period of part time work, or taking an easier job at some point. Just having the choices is very liberating, even if they aren't chosen and these choices are highly valued and bring a lot of peace of mind to many people. But doing this over-paying of the mortgage etc is almost the reverse of living beyond ones means and not being satisfied but chasing a bigger lifestyle. There's always a choice of whether to spend today or save today so you can spend more in future. Some people go for extremes at either end which probably aren't that healthy for most.

Re-assessing what you want from life and the value you place on different material possessions is a good idea. It will help you see what you really value and the lifestyle you need to fund. You can consider if you want;

  • new cars every 3 years
  • expensive cars
  • several holidays
  • expensive holidays
  • large house in expensive area
  • private education
  • large pension fund
  • lots of new clothes or expensive clothes
  • regular home upgrades suchbas new kitchens
  • regular furniture replacement
  • expensive hobbies and interests
  • lots of eating out or takeaways
  • expensive socialising
  • large savings
  • money set by for university or children's house deposit

People value different things.

newnewnewbuild · 19/11/2020 18:17

For me I'm aiming for something half way between the two - not something that I can't stand but pays very well, as realistically we spend a huge chunk of our lives at work.

However, we have a mortgage on a 4 bedroom house, a car on finance, we want 3 kids, and I want to be able to go abroad once a year, so I also wouldnt take a job that was very low paid no matter how much I would enjoy it.

My dream is for us to both be in middle management on £40-45k each eventually. That way we're earning a very decent household income but not high up enough to be extremely stressed.

(We live in a town in the north west, so I know my target household income will look low to many people in the SE!)

New posts on this thread. Refresh page
Swipe left for the next trending thread