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To take a pay cut ?

4 replies

LanaL · 05/04/2024 10:04

Hi

I posted this on chat and was advised to post it here for advice 😊

I currently work as a supply teacher ( still an ECT so can only do this for 5 years ) . Hate teaching , to the point a permanent job almost caused a break down . The thought of going back into it fills me with fear , anxiety and dread . Can’t go back to uni to retrain I’m almost 40 and spent a long time training . It is not fair to go back to studying after my husband supported us for 5 years . I have a PGCE but by degree is in Education and Family studies .

We have debt and I know I need to be bringing in money . I have seen a job ( nothing to say I would get it ) in the civil service and don’t know if to apply , or apply for a full time teaching position or stick supply for a bit longer . Here are my options :

Currently as a supply I can take home £500 per week if I work every day, it doesn’t always work this way. Currently in a full time , long term so guaranteed the £500 per week until end of term , aside from a bank holiday and teacher day coming up , plus May half term. Then the 6 weeks holidays comes . In school holidays I work part time at a holiday club . I do 2 days usually - very long days, low pay . Usually take home £600 - £700 for the whole 6 weeks , paid at the end . If we go away then I’ll have that week off . Sometimes get UC but not much due to husbands wage as for eg in a 5 week assessment period I would have taken home £2500. Usually get some in the holidays but it’s not something to rely of due to dates etc . I like to have some of the holidays off with the kids although I have options if I needed to work more, I would never have time off with them or in general as both jobs are 0 hours so no holiday or sick pay. This holiday club isn’t open at Xmas so that is a struggle . I do need/ want some time off in the holidays with the kids .

I could get a permanent teaching job easily I know that . That would be £1900 ish take home . That’s every month , salaried . However - I know this will have a detrimental effect on my mental health and I can’t stand the thought of doing it . But I do know I need to bring in a proper wage - we have a lot of debt and high living costs ( not fun things , bills etc , rent is v high ) . I would be off in the holidays . But off doesn’t mean not working as many teachers know . Would get no UC .

Finally , I have seen a civil service job - on the phones HMRC . This is a role that I have skills for ( my part time job before teaching was customer service but not in the CS - it was phone based . I did it in 2 different companies over a period of 17 years . This job asks for no experience , full training given .) I know it’s competitive but it’s just a thought right now . The take home would be around £1650 . Salaried so every month . I may get around £300 UC but this wouldn’t be every month and depends on the weeks in an assessment period so I wouldn’t count that in just in case ( I could have 2 wages in one occasionally and my husband is paid weekly so it’s not something I would rely on ) . This job is hours between 745am and 8pm , mon - sat with one late 8pm finish per month and up to 6 Saturdays per year . 36.5 hours per week . There will be an element of working from home - not sure of the details but from what I’ve read home working is an option with some work in the office that isn’t too far . Working from home would be good as I would be able to be there when the kids come home . To be honest being able to be at home sometimes during holidays would be good . I know I wouldn’t get the school holidays off but I’m sure I could use some annual leave - so even if I got maybe 2 weeks or some days in some weeks during the holidays that would be a nice balance ?

But - the CS job would mean a £200ish pay cut per month . Not on what I earn now but on what I could earn . Am I selfish to do that ? Knowing I could earn £200ish a month more and have holidays off ? Based on what I earn now if I think “ but I earn £500 per week - that’s £2000- £2500 per month …,” but that on the face of it . There are 13 weeks of the year I don’t earn that and there are weeks where I’m on day to day supply that I don’t get every day and there are holidays to think of ( for eg these Easter holidays I’ve earnt £80 one week and I’ll earn £250 for the second week- this is only because the school im in have different term dates so they are off when the other schools go back meaning I did one day at holiday club in week 1 and ( hopefully ) I’ll get a few days next week on supply in other schools so I’m basing it on having 2 days next week but I’m not certain as so far nothing ) .

As a guide this past tax year on supply I have taken home just under £17k. Admittedly there was a few months where I was working part time due to an accident my husband had . Had I worked every day term time then in the academic year plus the holiday club say 2 days a week I would take home around £21k.

The CS take home is £20,106.

Teaching full time in a permanent role I would take home £22959.

The teaching pay scale goes up each year but I’m still in M1 until I’ve done another term ECT then I would be at M2 until I completed the other three terms ECT then it would be M3 and that would go up dependant on performance review etc .

CS I know offers progression .

No progression in supply .

I don’t know what to do .

My husband would support anything I chose . He says my happiness is more important and we will manage but my happiness doesn’t pay the bills

OP posts:
Jellycatspyjamas · 05/04/2024 10:55

I think long term while teaching offers progression in terms of pay, you have to be well enough to do it. Once in the civil service you can look for opportunities to progress - there’s nothing to say you’d stay in the post you applied for.

Having a regular, planned income will help you work on your debt, without needing to cobble together supply work, holiday club etc which must take a lot of planning. I’d go for the CS job, unless you think there’s mentoring support that might help you cope in teaching. Your mental health affects every other area of your life, so it’s worth protecting.

LanaL · 05/04/2024 12:22

Jellycatspyjamas · 05/04/2024 10:55

I think long term while teaching offers progression in terms of pay, you have to be well enough to do it. Once in the civil service you can look for opportunities to progress - there’s nothing to say you’d stay in the post you applied for.

Having a regular, planned income will help you work on your debt, without needing to cobble together supply work, holiday club etc which must take a lot of planning. I’d go for the CS job, unless you think there’s mentoring support that might help you cope in teaching. Your mental health affects every other area of your life, so it’s worth protecting.

Thank you . You are right that a regular , secure income will help with debt . Ideally , the more I can earn the better , as we don’t have much surplus to tackle the debt it’s more managing and not getting into more at the moment but a job with progression could lead to income rising in the future . It’s quite secure in teaching with pay scales but like you say mental health affects everything. Leaving a salaried role and going into supply had a massive effect financially with the break between the 2 and I worry that I’ll get in the same situation again . I’m sure there are schools that wouldn’t be the same as the last but the way I am , I don’t feel strong enough. I think you need a really strong armour for teaching and I don’t feel I have that. There’s no way of telling with a school if it’s going to be a positive place to work or a toxic one so it’s a risk. I know what I’m like - I’ll suffer and suffer until a point I can take no more and leave with no plan - like I did before and will end up back in supply , in square one. I also don’t want to have short term roles on my CV as that then raises questions on my commitment . If I’ve left one school for supply that can be explained as staying in the profession but wanting more experience . Going in to CS can be explained as wanting a career change . But in and out of schools - as an employer I would see as being unreliable

OP posts:
Mrsttcno1 · 05/04/2024 12:48

Honestly OP if I was you then I’d take the civil service job without question, and I wouldn’t even see that as a pay cut because it’s not, it’s more than you are currently earning.

I also think £200 a month isn’t enough to make it worth you being miserable in a job you hate. If it was £1000 a month more then yeah maybe it would be worth the hit but honestly over £200, pick the job that will make you happiest.

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