Confused .com Which Way To Turn???

[postage]

I have worked for a motor company for 7 years now and it has changed management since I started the manager now is not very understanding but the pay is good am on about 1200 a month – I have a weekend work where I get 230 a week – they have offered me a full time job but there pay rate is so low I will only bring home 1180 – it will be hard struggle to survive but am happy there and can retire happily what shall I do> don’t want to stay at the motor industry till I am 65

[Old_Geezer]

Unsure what it has to do with a comparison website, and I'm not 100% sure of the facts.

£1200 a month is considered good but £1180 net is low ?

Is the £1200 for part-time then, since you are only now being offered full-time ?

"Struggle to survive", was that if you stayed employed or if you retired ?

Want to be out before 65, so how long in the future are we talking ?

Personal choice obviously but to decide whether to retire or not will depend on the finance. What sort of hit the actuary will put on an early start pension. Whether you have saving to live on until the pension starts at normal date. How much you value the time compared to the income. Whether you can get more part-time work like that you presently do at weekends to supplement your income.

So many variables.

[postage]

Hello old – geezer you ok mate, the picture is that I am in full time employment my earning is 1200 and because my mortgage is 700 I have to work part time week ends elsewhere to make up extra 200

The place where I work part time they have offered me full time job but the pay is so low there net will be 1186 but a better job. What shall I do cut my loses and take that job or stay where I am and have the extra money to fall on if needed

[postage]

please tell me what to do. i loose over £300 if I take the job I really like.

[Old_Geezer]

Ah I see. It is the presently part-time place offering the full time job. You might wish to consider if there is a suggestion the part-time one is not going to be around much longer. I'm assuming that isn't the case.

Have to say it sounds like a personal choice for sure. Unless there was a clear chance of rapidly moving to a better paid position with the new employer I'd need some convincing to take a drop in pay. I suppose it depends on what you feel about your present full-time job. Are you desperate to get away ?

Money isn't everything but one should have one's needs covered to avoid additional stress in life.

[Old_Geezer]

No one should tell you what to do. What they can do is indicate things to think about, and maybe suggest what they think they might do in similar circumstances. But you are responsible for your own decisions, advised or otherwise.

[postage]

true. no am ok at my present job its stressfull because its not a kind of job you can do when your over 62 sorry old geezer lol
but you can in thepart time job work till your 70

in my present job i have to look the part all the time but the part time job does nt matter how you look

[postage]

i am 56

[black_cat51]

why don't you take the FT job at the place you like, then get a weekend job somewhere else?
The FT job you are in only pays £20 more a month

[Old_Geezer]

I can only say what I might do. I think I'd put up with my existing job and concentrate on trying to save enough to retire a bit early from it, knowing I could still supplement income with the part time jobs in 4 to 6 years time. If saving is not an option, then you need to look at the hit from triggering your personal pension (which I assume you have) early when work becomes too much. Anyway who is to say an offer might won't be available when you're 62 ? But if you really like the idea of the new job then take no notice of me.

[Maydup]

How much longer do you have on your mortgage postage? It would be good to accept the more enjoyable job but only you can decide whether or not you can afford to do that.

[Old_Geezer]

In fairness that is true and makes it a tight decision. Is £1 a day going to make much odds either way ?

[postage]

full time now pays 1230
suppliment part time job 230
so i bring home 1460
if i give up my week end work and take on the enjoyable job i will only bring home1186
ii will not be able towork week ends it take s up week ends as well its a low paid retail job so you have todo loads of hours for just 1186

[postage]

I have 10 years of mortgage left

[postage]

Type Your Answer Here...i have no pension

[Old_Geezer]

Then I dismiss my recent doubts and fall back on the advice that I think the financial hardship might be too stressful unless you can cut back on your quality of life, financewise. But check out promotion likelihood also.

[postage]

thank you old geezer your fantastic at advice