I'm not sure what to do - Part II
11-03-2010, 02:40 PM
#1
I'm not sure what to do - Part II
Right, so I walked out of my job a couple of weeks ago... I now have two job offers, and a dilemma!
On the one hand I've been offered a job with the AA, who have just bought a windscreen company and looking to taking it national. It's a sideways move from where I was; basically doing the exact same job I was doing, but for a different company
Today I recieved an offer from another company, but not for fitting. They are a glass supplier; supplying the trade etc. It's an office based job, so no having to go out mobile to fit glass in the cold, rain/snow etc.
Now, the dilemma is mainly financial. On a personal note, I want to take the second job (the office based one) as I don't really want to go back into fitting and want to try a new avenue.
But on the financial side, here's the situation;
AA are offering £18,800 basic, plus performance related bonus + call out bonus. Real life this could be between £300-£500 a month, so in effect £24500 potentially a year.
Second job is a flat rate of £18500 per year, with "more or less" guaranteed overtime of £1500-£2000 a year. So essentially I'm looking at a flat £20k
£20k is the lowest I've been on for many years! The problem is, working out my outgoings, they are going to be about £1000 a month (mortgage, insurance, car ins/fuel, leccy, gas, water, council tax, etc etc) and thats just the "must pay" bills. That doesn't include grocery shopping, a few pints in the pub on a Friday night, etc etc.
So breaking it down, after tax £20k a year is gonna give me about £300 a week, with a calculated break down of bills costing about £240 a week - only leaving me £60 a week to live on!!!!
So the problem is 1) thats not a lot of money, and I don't know the timescale of it increasing, and things like energy prices and interest rates going up. 2) I would rather do the job that pays the lesser ammount as it's a better job, and potentially a better career path for the future. 3) The AA job could be less lucrative than it appears on paper, as the bonus is not guaranteed!
But fuck, thats not a lot of money! I'm gonna have to give up smoking, and to an extent, eating!
On the one hand I've been offered a job with the AA, who have just bought a windscreen company and looking to taking it national. It's a sideways move from where I was; basically doing the exact same job I was doing, but for a different company
Today I recieved an offer from another company, but not for fitting. They are a glass supplier; supplying the trade etc. It's an office based job, so no having to go out mobile to fit glass in the cold, rain/snow etc.
Now, the dilemma is mainly financial. On a personal note, I want to take the second job (the office based one) as I don't really want to go back into fitting and want to try a new avenue.
But on the financial side, here's the situation;
AA are offering £18,800 basic, plus performance related bonus + call out bonus. Real life this could be between £300-£500 a month, so in effect £24500 potentially a year.
Second job is a flat rate of £18500 per year, with "more or less" guaranteed overtime of £1500-£2000 a year. So essentially I'm looking at a flat £20k
£20k is the lowest I've been on for many years! The problem is, working out my outgoings, they are going to be about £1000 a month (mortgage, insurance, car ins/fuel, leccy, gas, water, council tax, etc etc) and thats just the "must pay" bills. That doesn't include grocery shopping, a few pints in the pub on a Friday night, etc etc.
So breaking it down, after tax £20k a year is gonna give me about £300 a week, with a calculated break down of bills costing about £240 a week - only leaving me £60 a week to live on!!!!
So the problem is 1) thats not a lot of money, and I don't know the timescale of it increasing, and things like energy prices and interest rates going up. 2) I would rather do the job that pays the lesser ammount as it's a better job, and potentially a better career path for the future. 3) The AA job could be less lucrative than it appears on paper, as the bonus is not guaranteed!
But fuck, thats not a lot of money! I'm gonna have to give up smoking, and to an extent, eating!
11-03-2010, 02:44 PM
#2
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If your used to being outside then an office job will be very boring for you, the summer is the worst time to be stuck in an office, it drives me mad! Id do the fitting job no doubt!
11-03-2010, 02:57 PM
#4
Too many posts.. I need a life!!
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AA job... your gettin older so why would you want to earn less?? surely the older you get the more u should be earning!! *(with regards to experience)
surely the older you get the more u should be earning!! *(with regards to experience)
11-03-2010, 03:12 PM
#5
Logically, the higher earner is the clear choice. However, I walked out of my last job cos I was so utterly miserable in it I couldn't take it anymore. And I feel the same will happen in the AA job. I don't want to do it, and am not looking forward to doing it, so I fear it will put me back in the depression I am trying to get out of.
The second job, although currently not as lucrative, I am excited about and want to do it. I feel it's the better choice. But the money worries me! I also think in the long run its a better option, as there's virtually nowhere to go in the AA job except the fitter status! At least with the second job there's a lot more potential in house to achieve...
Dammit!
The second job, although currently not as lucrative, I am excited about and want to do it. I feel it's the better choice. But the money worries me! I also think in the long run its a better option, as there's virtually nowhere to go in the AA job except the fitter status! At least with the second job there's a lot more potential in house to achieve...
Dammit!
11-03-2010, 03:15 PM
#6
The summertime IS a great time to be out fitting I agree, but the cold and wet is NOT a great time - and we get more cold and wet than we do otherwise! So that argument is flawed LOL
As for the "you're getting older" - exactly. I am getting older, and I don't want to be a fitter my whole life! I've been doing it 7yrs and when I was 21 I didn't want to be doing it when I am 30, and now at 28 I still don't wanna be doing it at 30, let alone 40!!!!
As for the "you're getting older" - exactly. I am getting older, and I don't want to be a fitter my whole life! I've been doing it 7yrs and when I was 21 I didn't want to be doing it when I am 30, and now at 28 I still don't wanna be doing it at 30, let alone 40!!!!
11-03-2010, 03:16 PM
#7
Failing that, if you want to avoid the cold, just take the office job and a second "hobby" job, I know a few people who do this including myself, and I easily make enough to cover the shortfall between those two jobs from my hobby job, ok the hours will end up totalling more but if you enjoy the second job that shouldnt be a problem.
Not sure what your skills are so have no suggestion of a second job for you, in my case I do motoring journalism but you need a big dollop of luck to get a break with stuff like that, but a job behind a bar for example would be relatively easy to get and has the added bonus of stopping you spending a night or two a week while you are at work, so its extra income and less outgoings and you still get to be out and about and socialising etc
I bet the office job has more potential for promotion too (either within that company or by opening a new avenu of work you can pursue elsewhere), as there must be a relatively limited number of options with something as specialised as fitting glass.
Last edited by Chip; 11-03-2010 at 03:18 PM.
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11-03-2010, 03:18 PM
#9
ELASTIC BAND
2nd job, and find a part time job, as in bar work, where you do one extra night a week, say either a friday or saturday night, so your out, earning a few quid, but not spensing it by going out, but your not sitting indoors, cos you aint got the cash to go out anyway
11-03-2010, 03:20 PM
#10
............
Rent out your house, or a room in your house and see if you can retrain to do something either fulfilling or higher earning, prefereably both. You're on the road to depression otherwise IMO
11-03-2010, 03:24 PM
#11
If you do take the higher paid job, save your bollocks off so you can afford a decent time out from work at some stage to retrain totally, if you can take the higher paid job and get a second job too it could double your ability to save given what a large percentage of your salary is lost on fixed outgoings so even a few hundred a month more would be doubling your cash available for saving realistically.
Personally im considering a total career change to being a teacher at some point, and have got myself into a situation now where financially I should be able to cope if im not working for a year or two while I retrain if I do go down that route, not suggesting that teaching is a good option for you, but just that trying to get your outgoings down and savings up is a good way to buy yourself some peace of mind so that you arent always chasing your tale needing another job as soon as possible everyime one ends.
Personally im considering a total career change to being a teacher at some point, and have got myself into a situation now where financially I should be able to cope if im not working for a year or two while I retrain if I do go down that route, not suggesting that teaching is a good option for you, but just that trying to get your outgoings down and savings up is a good way to buy yourself some peace of mind so that you arent always chasing your tale needing another job as soon as possible everyime one ends.
Last edited by Chip; 11-03-2010 at 03:25 PM.
11-03-2010, 03:24 PM
#12
Chip - I think you do indeed get where I'm coming from/am
Mondeo Man - I've already been down that road to depression and am still on it. That's why I quit my job to create a change, and I fear taking a sideways move into the AA doing the same job will put me further down the road than I want to be!
I honestly feel I NEED to take the second job, for myself - but I still can't think that on paper, the figures are hard!
Mondeo Man - I've already been down that road to depression and am still on it. That's why I quit my job to create a change, and I fear taking a sideways move into the AA doing the same job will put me further down the road than I want to be!
I honestly feel I NEED to take the second job, for myself - but I still can't think that on paper, the figures are hard!
11-03-2010, 03:27 PM
#13
The renting a room out is a good idea if thats something your place is suitable for, that alone could cover the shortfall between the two jobs, but its a case of if the loss of personal space would be even more depressing than the working outdoors of course!
11-03-2010, 03:56 PM
#15
But you maybe right on the second point Dave - aww I've missed your insightful and helpful posts David - so nice to have you back!
But yes I can see where you're coming from; it is a monumental leap down from £30k a year + company provided vehicle and free fuel and running costs!!!!!!
11-03-2010, 04:47 PM
#16
PassionFord Post Whore!!
Have you had a negotiation with the second employer yet?
That could be your first test - if you are going to be a wholesale supplier I'm willing to bet their customers are looking to negotiate a lower cost for their window supplies, and your employer will want someone to negotiate a higher cost.
If you can't do that for something as vital as your own salary, how good will you be at getting them an extra £5 on a windscreen?
That could be your first test - if you are going to be a wholesale supplier I'm willing to bet their customers are looking to negotiate a lower cost for their window supplies, and your employer will want someone to negotiate a higher cost.
If you can't do that for something as vital as your own salary, how good will you be at getting them an extra £5 on a windscreen?
11-03-2010, 05:07 PM
#19
If u dont want to do this in the long run, then my advice would be too take the higher paid job save as much as you possibly can...Even if you really dont like the job just think to yourself its just till ive got enough money together for a different path.
Bare with it for a year or two then retarain.
Bare with it for a year or two then retarain.
11-03-2010, 06:47 PM
#20
Iain - yes I have negotiated with them. I originally turned it down and they then came back to me with another offer, but it's their final offer and can't go any higher on it. As for negotiating supplier etc - doesn't work like that. That's done by head office; the role where I'd be going is to deal with the trade guys on face level. Much like when a mechanic goes to a motorfactors to buy the parts he needs fir a vehicle service
westy - I was fired not for being shit or anything like that, it was for removing a windscreen "the old fashioned" way rather than the "health and safety" Autoglass way... And I wasn't on 30k plus; I was on 21k basic plus bonus that was around 8-10k a year
westy - I was fired
not for being shit or anything like that, it was for removing a windscreen "the old fashioned" way rather than the "health and safety" Autoglass way... And I wasn't on 30k plus; I was on 21k basic plus bonus that was around 8-10k a year
11-03-2010, 06:59 PM
#21
Never gonna give you up!
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Surely the AA job will primarily be a one man band operation and you'll be on the road 99% of the time? Didn't you have issues last time with a couple of individuals.
So in the AA role you could 'be your own boss'.
So in the AA role you could 'be your own boss'.
12-03-2010, 10:38 AM
#23
Well it was a pretty hard night thinking this over last night. Initially I'd made my mind up pretty soon I was gonna take the lesser paid one. Went and had a beer with my brother and talked it over, and also came to the conclusion that I would take the lesser paid one, purely for the less stress involved in it etc etc
But then last night I'm sitting there thinking it over and began feeling sick worrying about money in the future, and that even just the mortgage rate going up a few percent will cripple me - I just won't have any more money left to pay the bills, let alone food shopping and day to day living!
So I think the realisation has set in, and I have to take the AA job
So now I'm depressed again
But then last night I'm sitting there thinking it over and began feeling sick worrying about money in the future, and that even just the mortgage rate going up a few percent will cripple me - I just won't have any more money left to pay the bills, let alone food shopping and day to day living!
So I think the realisation has set in, and I have to take the AA job
So now I'm depressed again
12-03-2010, 11:05 AM
#26
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cheer up dude... perhaps ask the missus to help out a tad!? or move in and share costs of your house / flat
or just bang her senseless to take your mind off your imminent, penniless future....... ?
or just bang her senseless to take your mind off your imminent, penniless future....... ?
12-03-2010, 11:12 AM
#27
Make a way for it to work, you mentioned quitting your smokes that will help financially surely.
Fil mentioned supplementing your income with a 2nd job.
There are solutions dont go digging yourself into a hole thats not there.
My advise would be to use this time of transition to think possitive and to think beyond just getting a job. Think about where you want to be Job wise in a few years and work on that too.
Dont go allowing a drop in income to become a HUGE barrier of fear that stops you form releasing yourself into a better way of life.
Best of luck.
12-03-2010, 11:18 AM
#29
Andy - thanks. That was my initial feeling. But let's go worst case scenario; Bank Of England base rate goes up a couple of percent and I have to pay a hundred or two more in my repayments, I haven't found a second job I can fit in around main work or do from home, and that's it, game over, house lost. This is what scares me!!!
12-03-2010, 11:29 AM
#30
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and in all seriousness... this is the main driver that leads people to suicide !
Did you see that program on TV the other day about people on the dole, living on 20 quid a week etc!?
bloody awful stuff!
12-03-2010, 11:49 AM
#31
Exactly Dave and I don't want to be there! I've worked fucking hard over the last 10years to make sure I've always got my head above water and am comfortable. I've never been "rich" by any stretch of the imagination, but I was doing ok. I never had to worry about money as such; I knew what I could afford and what I couldn't, but I never had to think "I can't afford to go out this weekend" or "I can't afford lunch today" or anything like that. I never even needed to check my balance at a cash point as I knew there was always surplus money in there!
I've consciously never been in debt (apart from the mortgage of course) or had to pay off loans or credit card bills - cos I've never had any!
Fucks sake, it's doing my head in now
I've consciously never been in debt (apart from the mortgage of course) or had to pay off loans or credit card bills - cos I've never had any!
Fucks sake, it's doing my head in now
12-03-2010, 12:19 PM
#35
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Not good mate. For a start stop smoking that will save you £50 at least a month? And you will feel healthier.
Only you can decided. Its not easy, maybe do as Andy said. If thingfs go from bad to worse maybe you could always then look at getting a lodger until things get better?
Only you can decided. Its not easy, maybe do as Andy said. If thingfs go from bad to worse maybe you could always then look at getting a lodger until things get better?
12-03-2010, 01:03 PM
#40
Trouble is, I can't go back to where I was before (Auto Windscreens), or even the place before that (Autoglass - tho I dearly dearly wish I could, as I know my life would be sorted again) so I've only got these two choices!