Where to start?!
41 almost, first degree and post graduate in law, looking to move into nursing. Married, two young children, and don’t know where to start! I need some certainty on my position before I can take the leap as have the children, childcare and financial responsibilities but am so worried and don’t know where to start.
1. Husband earns 55k (loaded up with debt though) - I would need drop my job to study and pick up bank shifts after 6 months. On SFE I see it estimates 6k approx maintenance and tuition in full. Plus the NHS4/5k plus the 2k NHS bursary for those with dependents (or whatever it is called). So circa 11/12k p/a. By my reading at this early stage there is no entitlement to childcare help as my husbands “household income”. Am I correct in this? I read if household income for over 2 children is around 27/28k there is no entitlement. My childcare costs at present working doe 3 days and with the free hours entitlement - stretched to 22 hours a week - child aged 3 now - still costs me £500 a month and my other (6) in wrap around care weekly costs me £200 a month. I can’t live on the maintenance - there is no way - and my husband will not support me. Am I missing something? Is there any form of childcare help? There are also half terms and placement times when further costs will be incurred. I’m at a loss as to how it is possible. If my husband wasn’t in his own financial position maybe.