I currently work as a nursery nurse in a pre-school for 2 and a half days per week. I love it but I earn a pittance (barely more than minimum wage) which does annoy me. I had a 7p an hour pay rise last year but my responsibilities have grown three-fold, and I'm now expected to do some work at home too. There isn't much room for progression as my next step would be the foundation degree, which I can't afford to pay for myself (it would cost three quarters of my annual salary), and my employers wont consider paying for me as I'm not full time (no more hours available).
I have spoken to my local uni who have said they would consider me for a place on the Primary Ed with QTS degree starting next year (too late for this year), BUT it is four years of full time study and I'd have a big debt at the end. It seems like such a huge step from what I'm doing now and I'm worried I'd be biting off more than I can chew. I'm also a bit concerned that my teacher friends are quite negative about their jobs, and all the talk about cuts makes me wonder if I'd have a job at the end of it all. I've worked as a TA before and I didn't particularly enjoy it if I'm honest - but I do think that is party because I worked with some very uninspiring teachers and I wasn't given any training myself at all. My next choice is to stay where I am and put up with the wages.
I know it shouldn't be down to money - we manage just fine on what we've got - but I'd love to be in a position to one day take my children on occassional holidays etc. but at the same time I love the fact that I am around so much and can make most of their assemblies/sports days etc. Having said that, my youngest is starting year 6 this year so there aren't many plays/sports days left for me to go to 
So what would you do?
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Stay where you are and enjoy your family/home and make do with the money you have.
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Train up and increase your earning potential and make a career of it.
Thanks for reading.