Would you go full time at 60 for a shorter commute?

[taxidriver]

would you go full time at 60?
been part time, well 4 days for many years.
last time i was full time was 1994.
having a dog persuaded me to remain part time after dc left home, plus it is hard to make the leap.
i will have to work til 67.
but the thought of this driving in the winter is worrying me
the full time role is 15 minutes drive compared to 45 for my current admin role.

dh retired so no time with him
dd doesnt need me for child care just dog care but dh could do that.
is it doable

That is absolutely insane though. The average commute in the UK is about half an hour each way.

Absolutely not. Not worth losing a day off. It’s hard working full time at 60. If you can do the hours over 4 days then consider it.

Are you happy in your job? If you are don’t even consider it.

@taxidriver
https://www.facebook.com/share/g/1GQAd9xz7A/
Get on this immediately. You need to take your 1995 pension at 60, every month you don't you are losing money.
You can do any of 3 options, retire and return, partial retirement and another that I have forgotten the name of.
Your 95 pension is already set in stone your current or future roles make no difference. You can continue to contribute to your other pension as long as you continue to work.
There is also McCloud to consider. Its very complicated but you need to act now.

its just the dreadful travel,
i got through it last winter but the winter before i remember was dreadful.
i have changed the place where i work, perhaps i should change my route to work

thanks @gingercat02
it is not as simple as that, i am not losing money. it is gaining interest.
it does depend on the needs of the service
and retire and return is a bum deal as you may well lose your original terms and conditions, or at least annual leave and whatnot.
i will have to brave it at some point and set it in motion.

I mean taking a lower band role which would affect your pension and means you have to go back to full time sounds mad. It’s 45 mins each way which is not an unusual commute at all. I would keep looking for a local job that’s same band.

2 obvious points - aware the cost of fuel at the moment may blur the lines on this a bit - it’s horrendous
If you are struggling with night driving please have an eye test. I have different glasses for night and day driving.

Not for your 95 pension it is frozen. There is no interest in NHS pensions its a defined benefit pension not a pension pot.
I have worked for the NHS for 35 years, Im 57 and have started to research now to retire at 60-61.
Please look into this urgently.

i have @gingercat02
dont worry, as said, it is not guaranteed but thanks

I'm younger than you but I've just swapped a 30hr week for a 37hr week in a new wfh job at the same pay band. Its the commute thats been killing me and as well as the time spent the cost of buses or parking adds up over the year. Looking forward to a better work-life balance.

Go for the shorter commute and once in role request to go to 4 days or compressed hours and a 9 day fortnight.

Additionally, I would be doing everything I could (AVCs to pension, downsizing house) to knock a few years off retirement. You never what is around the corner.

Take you 95 pension at 60, as if you don't you'll effectively lose the pension between 60 and the date you take your pension.

As others have said, apply for the job and see, either at recruitment or once you're in, if parttime/compressed hours is possible.

Do get advice on your pension. Pengage have a Facebook page which let's you ask questions about NHS Pensions

thanks @Trounlet i have looked in the past but it is a bit real now

You’d be better to early retire now on this band than drop down a band.

I agree with the posters who said you could ask to drop down to 4 days at a later stage when you get your feet under the table. Commuting is wasted time, expense (price of fuel) and wear on the car. You also need to look at the expense to which you are sucking off the tax man with the new salary.

i have decided this.
bit nervous but i had already raised it with manager.