Thanks for the replies, as I expected recommendations for both sides. Its a tough decision.
To answer some of the questions.
My wife has worked in her current job for 9 years. Its voluntary redundancy, if she stayed her job would not be under threat in the future but the conditions she works in would be changed (pay freeze, extra conditions & duties etc...her roster would actually become worse.)
Her Job, although she loves it, since our baby arrived, has disrupted the family structure. Would DEFINITELY have a better family life if she didnt work there.
Id feel confident about her picking up another job. The intention is to stay off for a few months anbyhow. So If she didnt find anything for 6 -8 months it wouldnt be a strain. We could easily use 10k from lump sum to helkp with outgoings.
We are not in neg equity with our current house. Current Mrkt house value is about 460k - 480k
Im only in my current job 5 months. But I am in a sector thats increasing in business. When I moved jobs I have 4 other job offers on the table. So although I understand every industry isn't immune from 'the recession' Id be hopefull to find something else quickly if worse case scenario happened.
Maybe we need to sit down and do column A column B pros and cons type stuff. But no matter what theres aslways the increasing worry of unemplyment and how everything could efect our long term goal.
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