My husband avoids promotions at work – earning 100k isn’t worth it ...Middle East

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He has been at the same level in his job for a while now and could use a new challenge – but, the problem is that financially, the extra money made from climbing the ladder almost wouldn’t even be worth it.

For one, the income made from the houses is partially incorrect – we have to pay the mortgage payments from the rental income. So even though we receive a 20 per cent tax credit on mortgage payments, it means we are pushed into a higher tax bracket calculated on income that isn’t really income.

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The temptation of a promotion is always there for my husband and it’s hard to ignore it. It seems strange sometimes that he doesn’t just attempt to get one, given that he’s been at the same level in his career for 10 years now. But, every time we come back to the idea, the positives never really seem to outweigh the negatives.

It’s not as though he’s hiding from a promotion or swatting them away, but he’s never willingly putting himself forward, which, in the civil service, is a necessary step to progress up the chain. Promotion is not something that’s granted out of nowhere there, but more something that you apply for and so, when you’re is hiding from one, it’s pretty easy to just never submit the paperwork.

It’s not as though we couldn’t use more money – the majority of income from housing stays in an account to cover incidentals or repair works needed for the house, and doesn’t enter our pool of disposable income. And so, in many ways, it makes a lot more sense for me to just focus on building my career and bring in additional income at a lower tax band.

Ultimately, we’re in a very fortunate position, and inherited money has helped us to buy our house outright, with monthly income covering our general expenses. While we live within our means and are relatively frugal, our situation does enable us to be more relaxed in our approach to money and to be able to live without a sense of pressure, or financial urgency.

But, it does still feel as though my husband is in a strange purgatory – waiting to assess the right moment to take on more responsibility without much of a financial incentive. Until then, I guess he’ll just continue to not submit the forms and avoid doing anything too stellar that makes someone else send it in on his behalf.

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