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Going back to work after kids, managing savings?

7 replies

166lady · 19/12/2025 14:39

I am about to go back to work part time (2 days a week) after having 2 years off and 2 kids quickly.
I am a pharmacist and work self employed. I have a good savings pot (around 25k) and my plan is to save each month bit by bit to pay for the following years pots. I have covered 2026 pots which include everything from birthdays/ holidays to miscellaneous.

Is this a good idea? It’s to cover the following years expenses while still having a spending pot now. I won’t be able to actually add to savings until I am able to work more but not sure when that will be.

DH is taking on the majority of finances as he works full time.
It’s a hard thing to navigate between finances and living life and being there for the kids.

OP posts:
Worldfirst · 19/12/2025 14:40

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MrsTerryPratchett · 19/12/2025 14:43

Talking about ‘pots’ is putting me off.

Do you have a family budget with expenses allocated to each?

166lady · 19/12/2025 14:48

MrsTerryPratchett · 19/12/2025 14:43

Talking about ‘pots’ is putting me off.

Do you have a family budget with expenses allocated to each?

Yes so everything from the kids expenses to house/car money is budgeted for next year but in terms of adding to savings I won’t be able to do that

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Worldfirst · 19/12/2025 14:52

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166lady · 19/12/2025 14:53

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Yes around £400 each for me and DH on whatever we need excluding bills and groceries

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Worldfirst · 19/12/2025 14:54

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ImFineItsAllFine · 19/12/2025 15:08

We covered our expenses but didn't manage to put much into savings while having 2 nursery-age DC because of the amount we were spending on fees. We just accepted that for a couple of years though and now they are school age we are back on it.

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