I am a single mom of two kids, ages 3 and 6. I currently work part-time and go to school-part time. Everything is about to change. I have two directions I could take, neither of which is an easy decision to make. I was hoping to get some advice on which would be the best option in the long run. Help me decide?
Scenario 1: I have been with my company for the past 7 years. I have been working part-time for the past two years so that I could attend school, but my company is no longer able to accommodate my part-time schedule after this summer. I have not yet received a degree, and since I'm a single mother with no close/reliable family members, I could not continue with school if working full time, due to childcare costs and the strained time with my kids. Working part-time, I have been considered 'poverty level', and have received assistance for daycare. This was true even two years ago working full-time; however, since I have received a few hourly increases, going back to work full-time would mean that I wouldn't qualify for daycare assistance anymore. I would have to pay out of pocket, but one income would not cover the cost of even a full-time babysitter for two kids. I know there are scholarships through the YMCA and YWCA programs, but busing for school is an issue with the two locations in my area; they wouldn't be able to provide transportation for my older daughter to get to and from school. The upside to going back full-time with my company is stability. It's a national financial institution, and I work in a corporate department. Even with the stability, however, my company has a current cease and desist order, and things are really a mess! It is quite possible that things will continue to turn for the worse, and without a college degree in my field, my experience is nearly useless with other companies. (I do ant-money laundering research. It's a very small niche that I lucked into, and with all the standards through the US Patriot Act, employees are now REQUIRED to have a certain level of credentials. No degree = No good) Also, a good amount of money can be earned in my current field, but with no degree, I will always make a significant amount less, even though I do a really good job. That's politics.
Scenario 2: I hate my job, even though I'm really good at it. I can't think of anything I'd rather do more than to work with people. My dream job would have to be a social worker. Ideally, a medical/hospital/school social worker. Of course, I would need to attain a master's degree to top what I'm currently earning, and I only have about 12 credits to my name at this time. Because my company can't offer part-time employment after this summer, I would have to quit in order to continue with school. This is good news in a way, since I could defer the two student loans I've taken out. For income, I have been considering being a part-time nanny. I would also receive section 8 (am receiving a voucher this week, but couldn't use it if working at my job full-time), so rent would not necessarily be an issue. I also learned about a program through my local university that actually PROMISES to pay for college tuition for four years, as long as you attend full time and maintain good grades. With the help of welfare on a temporary basis, I could potentially get out of poverty for good. I could obtain a job I love, and maybe buy a house one day! The problem with this scenario is twofold. I have a misdemeanor on my record from 2007. I plead guilty because I thought I had to, even though I later learned that I hadn't even committed the crime they charged me for! But, because I plead guilty, I have no option to contest at this point. I spoke with a couple lawyers and the courts, and they all agree to this claim. What this means for me, is that if I leave my current job, I might experience a good amount of difficulty in securing a new job.
So, my cards are on the table here. I have no idea what to do, and I really need objective responses to help me see anything I might be missing. I will be keeping an eye on my answers, so please feel free to ask for any clarification.
Thanks a lot!
Answer by maxsmom11807 at 1:28 PM on Apr. 20, 2011
Answer by alligurl186 at 1:31 PM on Apr. 20, 2011
Answer by TwinkleLites at 1:37 PM on Apr. 20, 2011
Answer by Candi1024 at 1:38 PM on Apr. 20, 2011
How about staying with your current job for a little longer and put off college. During the time you usually go to college, use that time to find a new job that can accommodate your schedule. When you find one, then leave your current job and then continue College. The same routine you do now. If you cannot find another job the go with #2. GL.
Answer by ILovemyPaulie at 1:49 PM on Apr. 20, 2011
Answer by lucky35 at 2:28 PM on Apr. 20, 2011
Jobs are hard to come by and there is no promise that you would get a dream job after you get your degree. We do not always get what we want. Did you ever hear of the saying a bird in the hand is better than nothing. I would work the job I have full time and go to school part time.
Answer by Glo402813 at 11:51 PM on Apr. 20, 2011
Answer by rkoloms at 5:48 AM on Apr. 21, 2011
Next question overall
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