Help!!

iVillage Member
Registered: 04-08-2008
Help!!
7
Tue, 09-24-2013 - 1:12am

So I work in a large organization with a defined pension plan. I am up for a promotion there but it has been taking forever and there are no guarantees. My husband is very unsupportive of the promotion as it is a 45 min drive. I presently ride the bus 80 mins a day each way so I'm not sure why??

A position came up less than 10 minutes away from home running a small charity. It is a local community centre that runs programs for seniors and kids. It is more money but no benefits and no security. My husband LOVES the idea. I suspect he thinks I'll be home more. But I'll have board meetings, evening events, etc. The board loves me but they are puzzled why I would be interested in giving up my security and pension to take over their small operation.

Am I crazy to consider this? My work is "okay" and pays decent. If I got the promotion, I would love to just stay :) It is a security blanket - I know I can do it and I know we can survive comfortably on the money. But it is not as flexible and creative as one might hope for. Running your own organization has an appeal. I'm not sure how much *I* want this as opposed to what my husband wants.

What do you think?

Dee

iVillage Member
Registered: 11-14-2008
In reply to: stormydancer
Tue, 09-24-2013 - 10:06am

I say pro and con this one. Write down all the pros and cons(work out the detailed money part) and rate each pro and con. Sit down with hubby and talk it out. 

Are you not going to school right now to improve chances of better employment? Would this job be a step back and make all the effort for not?

Just curious. Of course you guys have to do what is right for the two of you. don't forget kids will be in full time school soon right ?

iVillage Member
Registered: 10-01-2008
In reply to: stormydancer
Tue, 09-24-2013 - 2:31pm

My gut is telling me you need to wait for something closer to home with a pension plan.  But then there is the thoughts of doing your own pension plan...Roth Ira....other options.  I don't know....confussing, tempting....hard to say either way.  And beiieve me...I hate my commute as much as you probably hate yours too.

iVillage Member
Registered: 04-08-2008
In reply to: stormydancer
Thu, 09-26-2013 - 1:13am

Yes, it is confusing!

I have done the the calculations and it would mean $1000 more per month. I *could* put it in my own pension plan and be farther ahead.

But like storegal says I am going to school to further my career. Honestly I am starting to think it will be impossible to get a promotion even with this degree. It is very "who you know" and I can't afford to take an underling position to get to know those kind of people.

I don't know how this fits. But that gives me an idea about how I can ask more questions and find out. I'll contact the certification board and see if that work fits. If it does, that would help my decision!!

Thank you...I have some more to add to the pro/cons list.

Also, my husband has a secure defined pension and we have some savings from before I started this job. So he feels safe. And his comment was, "you'll probably leave this job when you grad or we move anyway so it is just pushing up the timeline." Good point :)

Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011
In reply to: stormydancer
Thu, 09-26-2013 - 11:52am

I'm probably out of my depth here --

Take the job you want. You're the one who has to work it, not anyone else. 

It's really hard for me to consider elements of convenience, because they seem to be a part of a bigger picture that is your life, and I don't have a full grasp of that. If the job is crucial for your career, then you might weigh that more than the life stuff. But it sounds like the job is negotiable -- otherwise you wouldn't be soliciting our opinion -- and I think you have to decide where the balance is.

Community Leader
Registered: 08-25-2006
In reply to: stormydancer
Thu, 09-26-2013 - 2:27pm

My gut instinct when I read your post was "take the job running the small organization."

I have had the same job for 27 years, since I was 18 years old.  Health insurance premiums are paid and retirement started about 13 years ago.  Security, security, security.  Great boss, great co-workers.   When I was full-time, paid sick leave and 3 weeks vacation.  Good pay, considering my position.

But you are right, there aren't any guarantees.  My boss is 72.  He recently stopped paying the health care premiums for dependents of new employees.  And I have no clue, and I mean no clue what so ever, what is going to happen to the firm in future years.  I have a few guesses, but that is it. 

I am not big on commuting, so I am biased.  I don't think retirement should play too much into your decision.  You can set that up on your own.  Health insurance is a little harder, but you know, there are some people who choose to just set money aside every month for medical bills instead of paying huge premiums.  Of course, keep in mind that things are changing January 1st (I think you are in the states). 

I don't know that I was of any help, but I do think talking to your DH about this is important.  My DH doesn't totally understand me going to school, but he knows it would not be right to squash anything that inspires me.  I also think that in general, our DH's like that we are self-supporting, but kind of like us home, too. 

So obviously your marriage is very important, but so is our inner happiness.  I have a feeling the idea of doing something different is very intreging to you, as it would be for me.  But we are afraid to let go of our security blanket.  I know I am.  Embarassed

Good luck and let us know what happens! 

Serenity CL making a second marriage work

 

Serenity
iVillage Member
Registered: 04-10-2003
In reply to: stormydancer
Thu, 09-26-2013 - 10:15pm

Tough one. It sounds like the promotion is closer??? (45 minute drive vs 80 min bus?) Have you factored transportation costs in? I am assuming that driving would be more expensive than bus (maybe I misunderstood?)

Ultimately you need to go with your gut. What feels right to you? I think it was PB who mentioned you are the one who has to work at the place . . . not DH so you need to do what makes you happy. If the increased security makes you happy then that's okay. Do what works for you!

Let us know what you decide!


Bex -

iVillage Member
Registered: 04-08-2008
In reply to: stormydancer
Fri, 09-27-2013 - 1:04am

Thanks everyone, I am still weighing the pros and cons. Yes, the bus is free right now through the university. But I have a hybrid vehicle so gas won't be too bad.

We don't have to worry about health care, DH has full coverage for the family and even the small non-profit offers it :) Just no pension.

So having written all this down, I realize it is THAT big of a deal. I think my "confusion" lies in the fact that I would rather have the promotion and that doesn't seem to be happening, it has been 2 weeks since the written exam and no word. I have met ppl from that office and I really like them. That would be nice for a change. I'm in a seriously sick work environment right now.

Thanks everyone,

Dee