Currently on mat leave with DC1, SMP runs out at end Dec and we will be in the financial doldrums at that point (piddling as SMP is, it's keeping us afloat right now).
The situation at my place of employment is that were I to return, after 3 months I would receive a lump sum equivalent to a further 3 months' salary. I am on 3 months' notice period, so would end up working until end June or so. The job I do cannot be done from home, nor PT, as the hours are very unpredictable. I didn't think I would have to go back to work at all, but DH's company froze pay for a year just before I went on mat leave, so the extra cash we thought we would have will not be unlocked until their financial year restarts in May 2011. (He has received his titular promotion, but not the associated bumper pay rise.)
Here is my dilemma. For financial reasons, we now live 2 hours' commute from work and couldn't use a childminder as leave home at latest 7.10am, returning earliest at 7.45pm. My mother has offered to come and rent a flat nearby for those 6 months - in exchange for a proportion of the lump sum I receive. I would also obviously provide food etc as she would care for DC in my home. Alternatively, I could engage a nanny for those 6 months. Although I do feel I would prefer my mother to do the childcare, I really need to figure out how the two trade off, financially.
I suppose my question is - has anyone done similar, gone back just to cynically get the 'sweetener' and then sodded off? And how does it work with your own DC if you both quite literally only see them at weekends? My LO will be 7mo at the end of December, so I will miss out on those 6 months of big changes (crawling, walking, talking, teething etc).
Trying to figure out what's best for us as a family. I reckon we could survive for 5mo at a push on overdrafts etc but on the other hand, the ££ I would receive from going back would see us right for the rest of the year.