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Would you choose money?

Would you choose to do a job that you're good at but aren't in love with for 2-3 years in order to save a lot of money? You wouldn't HATE the job but you certainly wouldn't be living your dream either.

If we went this route it would probably allow us to pay off 30k in student loans as well as save 30-50k for a down-payment on a house.

Thoughts? 

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Re: Would you choose money?

  • I don't think I have loved any job I have done.  I have liked some more than others.  I have been passionate about some areas of my career, but the "job" has always gotten in the way if that makes sense.  

     

    Without knowing more info I'm going to say yes.  I have worked 3 jobs at a time to pay for college and I still have tons of debt and no house so yeah. 

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  • If I didn't hate it and it could help me in the future then I'd do it.  If I was putting off a career for life, then maybe not...
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  • I'd go with a job I was so-so on in order to buy future freedom/expanded options (less debt, more cash for a downpayment, etc).  However, I would change my answer if it was a job I truly hated.  Life's too short to be miserable.  I can deal with ho-hum or less than cloud 9, but truly miserable/frustrated/or upset, that's too high a price for expanded options (I'd only stay at that kind of job if I absolutely HAD to... as in had zero other options to finance our existence).

    I've had jobs I love, am so-so on, and have hated, so speaking from hardened experience!

    GL w/ your decision!

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  • If it's so-so and you don't truly hate the job, it might be worth it. It all depends on what your plans are after that though. Where will you want to live, how much down payment do you need for a hosue (I know in the US they require way more than in NL), what are your options until that time?

    Is this for you or DH? What would this do to your plans of possibly getting another degree? 

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  • Oh hell yes.  

    If work were fun it'd be called fun instead.

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  • I would need more information before I could respond but I have in the past, turned down jobs which would have meant a huge salary increase. At the end of the day, I think being happy is more important than making a lot of money.

    However, in this situation,if the job is okay and I was happy with the people I was working with then I would stick with the current job. I would still look for other opportunities.

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  • Based on the information provided, yes.  If I didn't hate the job, and it was okay, yes.  Money provides you with options.  By being able to pay of debts, save for a house or whatever, you are providing yourself more options.  I would look at my short, medium and long-term goals and how this job would and wouldn't help me achieve them.  I wouldn't call is choosing money, I would call it choosing greater financial independence in the long-term, which gives you more options in the future (SAHM, retiring early, more travel opportunities, etc)

    Based on what you said, I would say yes.  GL with your decision. 

  • imagewise_rita:

    Oh hell yes.  

    If work were fun it'd be called fun instead.

    Amen, sistah. 

  • imageMrsBini10:
    imagewise_rita:

    Oh hell yes.  

    If work were fun it'd be called fun instead.

    Amen, sistah. 

     LOL you two. 

     

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  • Well for a bit more background information...

    I already have a finance background (only 2 years of ft work experience and 3 years pt) and undergrad degree. I could get my master's in supply chain or accounting and get a FT job where we'd be able to save a good chunk of money each year. PLUS, jobs are plentiful both in the States and here and those degrees would also let me pursue my dream job in the future. My dream is working part-time at a private university or community college as a lecturer and being a part-time SAHM.

    OR, I can get an HR masters, which is my first choice, and get a FT job in that field but make significantly less. The pay for HR is lower in the US and jobs aren't AS plentiful but it'd still lead me to a lecturer position but those positions are also far less abundant. 

     Hmmmm..............

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  • imagewise_rita:

    Oh hell yes.  

    If work were fun it'd be called fun instead.

    ditto ditto ditto

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  • I've always seen work as a way to fund my life so yes, I'd do it in a heartbeat if it wasn't something I would hate.
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  • imageashleynicoles:

    PLUS, jobs are plentiful both in the States

    I wouldn't be so sure about that right now 

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  • If it was for a limited time, I would. What frustrates me about DH's current job is that he works lots of hours, which I keep telling him would be fine if he had a high salary so we could save and he could get a lower-paying job with better hours in a few years. Instead, his job pays crap, he works 60+ hours / week, and his boss basically expects the overtime to be "donated." So much for a Christian organization.
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  • So you need to decide which masters degree to get, or you already have one?

    I think there are a lot of big ifs in that equation if it involves chosing one degree over another in hopes of getting the hypothetical job that might pay more. For me personally, I?d need to know that the jobs were truly plentiful and that it was really something that I was interested in. I couldn?t go to school and get a degree for something I wasn?t really that in to just because I might find a job that pays more for a couple of years. I didn?t enjoy working on my masters because it ended up being something I didn?t want to do, and I never got around to writing my thesis.

    Now, if someone said to me "hey glitterfart, here?s some cash, go get that degree and we?ll guarantee that you can come work for our company for x number of years at x starting salary," I might be willing to think about it if were something I was at least a little interested in. HTH!

    But I totally get liking the idea of not having debt and having the cash for a downpayment. And as pp?s have said, work wouldn?t be called work if it were fun...

    "Cause life
  • Considering your first scenario is where I am now, I'd do it.  I don't love my job, but I don't hate it either.  It has, however, allowed me to pay down a lot of by debt, so it's worth it in that regard.

     But...your extra information makes me hesitant...since this is basically choosing which career field to go down.  If you don't get your masters in HR, could you still do an HR job later on down the road?  If not, that would really make me rethink taking the first masters because it pays more (if you truly love HR, I mean).

    I really hope that made sense.

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  • imagewise_rita:

    Oh hell yes.  

    If work were fun it'd be called fun instead.

    Totally agree.

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  • Yes, I would go with the job. That's kind of what I was doing until I just went on maternity leave. It had only been a year, but if we stay here I will probably be going back to it. 
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  • imageglitterfart:

    So you need to decide which masters degree to get, or you already have one?

    I think there are a lot of big ifs in that equation if it involves chosing one degree over another in hopes of getting the hypothetical job that might pay more. For me personally, I?d need to know that the jobs were truly plentiful and that it was really something that I was interested in. I couldn?t go to school and get a degree for something I wasn?t really that in to just because I might find a job that pays more for a couple of years. I didn?t enjoy working on my masters because it ended up being something I didn?t want to do, and I never got around to writing my thesis.


    I already have a bachelor's in the field and would be getting my master's. The master's has other benefits because my H's private student loan is at almost 8% interest and the money I will be able to borrow while studying will allow us to transfer his debt to a 2% government loan. 

    I should have also explained that with my background/contacts in NL I'd have a job in accounting immediately. Not a fun job but tolerable for sure because the benefits are great and the people are fun.

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  • imagebluegirl2006:
    I've always seen work as a way to fund my life so yes, I'd do it in a heartbeat if it wasn't something I would hate.

    I *LOVE* this outlook. 

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  • imagefrlcb:
    imageashleynicoles:

    PLUS, jobs are plentiful both in the States

    I wouldn't be so sure about that right now 

    Sorry, I should've mentioned that with my past experiences/contacts I have the opportunity to return to a couple of companies in the US that have several openings in their growing acc/finance departments. You're right though. 

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  • So I'm still a little confused. IS a company offering you a job now and offering to pay for your master's and pay you a really awesome salary? If that's the case, go for that, after you've sat out your contract you can always get yet another master's and go into HR after all.

    If it's a pay-your-own master situation where you will get a job after finishing it, I'd really think it through to see whether or not you can see yourself possibly doing finance/accounting work for the rest of your career. What if the lecturing doesn't happen and you'd have to do what you'd do for these couple of years, would that be acceptable for you?

    Saving that money would be awesome though, so if it's them paying for grad school AND giving you a job, go for it! 

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