Tag / Money

by One Curious Mother

Where I Drew The Line: Choosing My Health Over a Job

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It’s been 11 weeks and 6 days since I left my job and became unemployed.

Yes, I voluntarily quit my job and decided to put my mental and physical health first to be (excuse me for want of a better phrase) a ‘stay-at-home-mother’ (for now!).
So many people often laugh and belittle the title but it hasn’t been without complication and is definitely the hardest decision I’ve made to date, one I absolutely did not take lightly.

Mentally and emotionally, I was admitting complete defeat. Although not difficult for some, personally my previous job wasn’t the easiest to contend with – as with many, over-prescribed and under-appreciated, and despite putting up a fight, it didn’t take much to feel like a total failure 24/7 after many unhappy 10 hour days, 5 days a week.

Financially, feeling this unmotivated and under-appreciated came at the unforgivable cost of £1,200 a month in nursery fees, £50 a week in fuel and many a Great British Pound in forgotten lunch boxes and ‘run away from my desk at lunchtime to survive snacks’ – I’ve now left all that behind in addition to an entire salary… Another ridiculously hard parting for sure. As well as this, my departure prior to what’s known as the ‘qualifying week’ for maternity pay, has also left us rather short-changed.
So when did I decide to put myself above my job, money, and stability I hear you ask? In all honesty, it hit me like a train in slow motion for a few months then the fire started and I burnt out in the blink of an eye.

For months, it started as a series of small interferences with my day-to-day life: things like feeling overwhelmed, regularly crying on my way home from work, not enjoying anything outside of work at the fear of heading back the next day. This quite quickly snowballed after finding out I was pregnant in Easter earlier this year. Emotions running higher and baby brain swallowing me whole, I was tripping at every hurdle and it began to show it all aspects of my life, work being the hardest to go unnoticed. As the pressure mounted, I became a stressed-shell of my former self and found that I couldn’t stand up for myself at the fear of confrontation or worse, dismissal. It was all-consuming and I slowly lost my ability to concentrate, my confidence in decision making and imposter syndrome kicked in HARD. Recently, I read an article (forgive me, I can’t remember where) about how imposter syndrome is actually more about colleagues making you feel inferior and not accepted than you being bad at your job. It was a shocking eye-opener that, yes I could have been getting worse at my job through stress and anxiety but feeling inferior was, in fact, more a part of feeling inadequate. I was jumping through hoops, working away and for many weekends and extended days but it never ever felt like enough.

Now, here’s a bit of advice pregnant mama to pregnant mama – whatever you do, research your rights and make sure your employer follows the guidelines for pregnant women in the workplace. It can make a HUGE difference in how your role and job load is handled and a risk assessment is an absolute necessity, wherever you work. I felt at a disadvantage with this and only wish I’d been more outspoken at the time; this was an unignorable protruding factor on my ‘why I should quit’ list.

As we reached early May, heading towards my 9th week of pregnancy, the downward spiral only got more slippery. The dread of the job took over and I’d lost every ounce of gusto for my job and my home life; my entire life felt unbearable and with that, I sort medical help. Having previously had fairly negative interactions with the NHS and mental health, I was fortunately not ignored and was signed off work with ‘work-related stress’ for two weeks – even that felt like I was letting my job down. I didn’t quite know what to do with my days and regularly lay around feeling unmotivated and generally unwell; the weeks passed quickly and before I knew it I was back to the constant dread. On my return to work, my absence seemed like the elephant in the room. If it wasn’t for the lovely ladies who sat around me reassuring me with ‘are you ok’ and ‘if you need to talk, you know where I am’, I’m really not sure I would have survived the 6 weeks that followed.

As I slumped into my corner desk and tried to plow through the never-ending tasks that seemed to have festered in my absence, I’d never felt so behind or snowed under with jobs where deadlines had passed or were imminently due. With no assistant or colleague to share the load with, I started to crumble all over again. Nothing had changed and almost seemed like my time away had never happened. It was never really discussed beyond a short and sweet meeting where I agreed that I was fit for work again. In no time at all the tasks began piling up and it only got worse – it was then my overall capability was beginning to be questioned.

As I entered my yearly appraisal, I knew I was officially failing. I’d appeared to have stepped into a losing battle with little to no lifelines left to use. After raising many flags about my concerns, there was no mention of my increase in workload, my work quantity being constantly chosen over quality, me being signed off work with stress and certainly not a peep about how my role had changed since becoming pregnant. Needless to say, I was rung out and hung out to dry. My mind began to ponder whether I could survive 5 to 6 months more of this without a. being fired or b. miscarrying – it was at that exact moment, mid-meeting, that I had already made up my mind: to leave was my only option. I spent the following 2 weeks vigorously researching my maternity options and entitlement, spending almost every lunch breaks on the phone speaking to god knows how many people in the Government’s benefits department. Devastatingly falling short for statutory maternity pay, I luckily qualified for maternity allowance but this was going to leave me with an 8-week pay gap which we couldn’t really afford to do, but what choice did I have.

On Monday 24th June, I handed in my notice to an unshocked response. When asked why, my schpiel of ‘my health absolutely has to come first’ came pouring out – this was greeted with even less shock but the deal was done. Feeling oddly free but unnervingly cut off, I began my shut down almost instantly. I took on zero new tasks and wrapped up every piece outstanding in the 4 weeks that followed. I guess, for myself, I still wanted to prove that I could do the work at hand (when it came in reasonable and realistic quantities!). I left with my head held high and my mental and physical health just about intact. I regretted nothing and still don’t.

 

 

We didn’t know how we’d cope with one income but have picked up a few tips for how to save our pennies along the way – we’ve had to:

  • Cut down nursery days – the biggest saver! From 4 to 2 days with the help of Granny Day Care twice a week has been a godsent – plus the added bonus of spending more time with Rory at home has been priceless!
  • Condense our cars to having just one – in order to save the next wedge we condensed to paying for just one car, one tax & one insurance by handing my lease back to the garage and trading in Kyle’s for a bigger, more economical car (hello Kadjar with a humongous boot and space for us all – new baby included!)
  • Stop needlessly buying food (a biggie for us!) – plan, plan, plan! Impulse food buying is a wallet emptier for sure! Now we always check out which days/times supermarkets reduce their meats and have sometimes chosen to batch cook for lunches to help save a few more £££’s!

There is a definite moral to the story guys & gals, and that is never ever take your health for granted and whatever you do, do not hesitate to put yourself first, even if it seems impossible. You only have one you and driving yourself into the ground will not be doing anyone any favours.
It’s been the toughest and weirdest few months of my life so far and to think if I hadn’t have been pregnant I would have moved on to another job has made it a tricky one to swallow. I guess being unemployment has to be my title for now – I know it won’t always be like this and it won’t always be this tough! Just remember, you can never bloom the most beautiful flowers without a little bit of rain!

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Love to y’all, OCM! xx

by One Curious Mother

“Please Provide Your Paycheck”

 

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I’ve dug this one out of the archive today – just a little something I wrote back in February. Turns out I write a lot that doesn’t make the cut; it usually becomes irrelevant pretty quickly and it very swiftly gets forgotten about. However, this blog may help someone somewhere feel a little less crappy for chronically worrying about money, jobs, more babies and a little bit of anything else…

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‘All you want is 2.4 kids and a white picket fence like a Disney movie and unfortunately, it’s just not real life‘ – as dear husband-to-be uttered those words for the millionth time, a part of me closed the door, slumped to the floor and wept. It wasn’t what he’s said but the realisation that we were having to choose between expanding our family and surviving each month… OH, AND THAT NOBODY TOLD ME THIS WOULD HAPPEN!

With procreation being a part of most lives (we sure as hell wouldn’t be here without it) it started to seem like a long time ago that women were expected to ‘retire’ once they’ve had a baby but sadly, looks like attitudes still aren’t up to speed and many ‘powers-that-be’ are not helping the cause. Many women have to stay at home rather than return to work due to crippling nursery fees and the question that always needs to be asked is: why are we (the royal ‘we’) not doing enough to help working mothers and families? Is it down to the individual mother, the family, the employer or the whole god-damn system? We over here strongly believe the latter.

Since I was young, I’ve always wanted two children; whenever anyone asks I always say ‘I have two eyes, two hands and two backseats’ – let’s face it, anything more and you’re looking at growing more limbs or changing your car as a minimum! Now nowhere, ever did anyone tell me we’d be sat around with a calculator, counting each and every penny concluding that any more expenditure would leave us nothing short of bankrupt. For us fourteen hundred squiddies a month for full-time nursery has been the true cost of a safe and loving environment; this has (just about) allowed us to bring home the bacon, but the saddest fact is, even now in 2019, choosing between a career and a family has never been so tough.

There has been a debate for some time about the environmental strain of having more mouths to feed, bathe and house but debating about the financial strain seems to be rifer than ever. In an article by The Guardian in 2014, three families from Sweden, the UK, and USA talked about their childcare costs and the cold hard truth of each. It quotes that in Sweden ‘you pay 3% of your gross salary but there’s a cap so you never have to pay more than 1,260 Swedish krona [currently £103] a month per child – and if you have more children, you’ll pay a maximum of 420 krona [£33] for the third child and nothing for the fourth'(1). This is 27% of the UK national average in 2018 where the average cost of a part-time nursery place for a child under two has soared by 7% in the past year to £122 a week, or more than £6,300 a year, according to the report by the Family and Childcare Trust (2). Although that percentage is disgustingly high, the UK is still more fortunate than the USA when it comes to maternity & paternity leave, where mothers are not entitled to paid maternity leave at all and might only get up to 12 weeks unpaid if they’re lucky. Of course, we are more than fortunate in most respects – we have maternity leave and I would receive statutory maternity leave as a minimum but the truth of the matter is, statutory still wouldn’t even cover our current outgoings… We have cars on lease, nursery bills, rent, utilities, etc. and like most, we love a yearly family holiday – nothing overtly fancy or excessive.

So, what happens for the Fitzpriddings’ now? Short term it means a painstakingly uncertain wait, where caution is our new activity and ‘we’re trying to save’ is our new catchphrase. We never feel hard done by, our beautiful boy has shown us love like we’ve never known but the subject of more children opens the door to a whole world of what-ifs and buts you never even realised existed. In short, there is no answer to these questions that allows us to remain in pocket and have a larger family within a reasonable amount of time. I keep telling myself that there is plenty of time for this to come around but I know, 2 years into sharing our lives with this little dinosaur firecracker, it will whizz by. (WOAH, little did we know just 2 months later we’d discover we were expecting!)

Now, MAMAS ASSEMBLE for our closing thoughts – if you are ever in any doubt about your rights as a woman, a mother or as an employee, have no fear, there are women out there fighting for all. Flexible working for is a battle that is being fought every day by one of my favourite wonder-women,  @motherpukkaAnna Whitehouse and pregnancy rights is being fought by another, @pregnantthenscrewedJoeli Brearley. Campaigning and raising awareness for women rights and the law on maternity policies alongside the benefits of flexible working for all, these super mamas are paving the way for modern-day working families. (This is no ad or partnership, just what I would consider sharing invaluable advice between friends!)

As always, I hope this blog helped you feel a little less alone, whatever step in life your taking, whether it’s your second child or your fifth – after all, if you’re anything like me, family is always the most important thing.

Love and all, OCM xo.

 

Sources:
(1) https://www.theguardian.com/money/2014/may/31/costs-childcare-britain-sweden-compare https://www.independent.co.uk/news/uk/home-news/childcare-costs-increase-inflation-rate-treading-water-parents-household-incomes-a8230431.html 
(2) https://www.familyandchildcaretrust.org/childcare-survey-2018
by One Curious Mother

Greed or Guilt: Asking Too Much or Just Wishing For More?

Now, I’m not sure if this is a vent, a series of ‘but why’ or even a collection of deep thoughts but I’m attempting to make sense of what it means to have a second child, to look at the logical aspects as well as the emotional.

There are questions without answers and plenty of food for thought, but stick with me – maybe you can help?

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If I had a pound for every time I was asked ‘so when are you going to have another?’ or ‘time for another baby soon hey?‘ I would be a little less crippled by a mortgage size nursery bill, have a little more money for a gym membership and maybe enough money to fund my morning coffee obsession, just for starters.

As I push all bad jokes aside, I started to question ‘how do I actually feel about this?’ I honestly started to feel put on the spot and a little exposed too; but the more I thought about it, the more I realised that wanting another baby was something I hadn’t put much thought into. It started making me feel an overwhelming concoction of emotions; this mixture of guilt, greed and emptiness began to sew itself with curiosity, excitement, and many wonders of what could be. It’s no secret that I’m not sure I am mentally ready to have another baby or to put my body under so much pressure again. Rory’s birth and my c-section recovery were traumatic and tough but part of me is slowly becoming obsessed with the fact Rory is now 18 months old – I know I want more children but how long of an age gap is too long?

Motherhood: Feeling Guilty, Going Back to Work, Having a Family

Growing up, I always used to say I wanted three children: a boy, then a girl, then whatever God would grace us with. To be honest, I don’t think the big G was so keen on 17- year- old me’s plans if Rory’s arrival into the world is anything to go by – this definitely gives me a small heartache when thinking about wanting Rory to have siblings. Growing up with a sister just 19months younger than me meant we were quite inseparable as kids; we dressed the same, we acted the same and always had one another. Yes, our teenage years were super rocky for sure but thick or thin, we pulled through because having a sibling is a bond for life with always a lesson to learn; whether it’s how to share or learn to care, how to steal clothes and go unnoticed or even how to sneak a passport for an underage boogie whilst getting caught and forking out £200 for a new one a week before holidays… We really have been through the lot and I wouldn’t change any of it for the entire world. It’s something I want Rory to have for sure.

Motherhood: Feeling Guilty, Going Back to Work, Having a Family
Motherhood: Feeling Guilty, Going Back to Work, Having a Family

With all of the above swimming in my mind, the idea of more children, and money worries, I made the decision to go back to work full time. After 12 months maternity leave and 3 months back part time, I knew if I didn’t make the move at that point then not only would I really struggle to adjust to full-time work, but I would really have to fight further down the line to get a job doing something I actually wanted to do. I also knew the longer I left it to make a final decision about a new job and my career, the further away potential family expansion would become. It just so happens that I was incredibly fortunate in landing a job I used to dream of but we had bigger worries on the horizon.

I took a big leap of doubtable faith when I took my current job and was left wondering if we could really afford for me to go back to work. As I mentioned earlier, crippling nursery bills is our little black rain cloud. At an amount that matches 85% of my wages a month nursery bills, could you just imagine the cost for two!? Bankruptcy and a resounding ‘no thank you’ to parting ways with so much cash is left ringing in my ears.  How are mothers of children under 2, 3 or 4 supposed to have a career, contribute to better their family, not seen to be having ‘time away from work’ and have that something for themselves when the whole system is against them and nothing short of fatally flawed. Team this with £40k in debt from university (I always call it fake debt I know but they’ll come knocking for it one day) and maternity leave which left me borderline bankrupt there is no wonder I have such little savings. FYI, statutory maternity pay is beyond a joke and at a grand total of £141 per week, which was a 57% pay cut for me, only covered 9 of the 12 months leave which really scrapes the icing off the cake, onto the floor, and into a deep dirty puddle. Like dropping the perfect 99-er into the sand on a sunny summer day – a total freaking liberty.

Aside from my money worries and what feels like pounds (lbs!) of career-guilt, I’ve now got a new anxious pot of thoughts sat waiting to be dished out; I’ll start with question one: WHY, oh why do I now feel greedy for wanting another baby? Why does it seem that even wanting to talk about it seems quite taboo and something a little shameful – why do I feel like I’m asking for more than I’m ‘allowed’? The worst is feeling like I’ve put so much effort and time (and money) into going back to work and fighting to make it work, how on earth am I supposed to put it all on pause to have another baby? There are a million external factors outweighing the positives of having another member of the family, it always seems to come down to ‘we can’t afford another baby’ but can anyone ever really afford a baby? I feel like I’ve jumped down a black hole of unknown thoughts, feelings, and landed in a pile questions with not a lot of direction. ‘Mom-guilt’ is something I think needs to be talked about more often and more openly; we should never be made to feel this way and supporting each other could be the ticket outta here – with this in mind, please send advice, help or if you have any experiences you’ want to share, I would LOVE to hear.

Motherhood: Feeling Guilty, Going Back to Work, Having a Family

I’m not sure feeling guilty or greedy is something that will last forever and I’m sure somewhere out there, there must be an answer for all this weird family and money maths; I just can’t think there isn’t something out there that would work for us and that could help us grow and not make us lose every penny in the process. Right now, it’s just looking like an unmarked path in the fog: no road signs, no help and no sense of direction.

To all those struggling to juggle it all but muddling through – I have a profound respect for you. For those never knowing which way to turn – I’m right here with ya!

Motherhood: Feeling Guilty, Going Back to Work, Having a Family

Love as always,
One Curious Mother .xo