Thanks everyone for all the replies. I think it is my job. I came to the UK two years ago to get this job - Band 7 - as there were no jobs in this area in Ireland and I had two children in college there - only one now - and college is not free in Ireland, and there are no student loans. There were nursing jobs in Ireland - my base profession is mental health nursing - but they involve 12/13 hour shifts and doing a week of nights every six weeks. If I did less hours here or took a lower paying job, it wouldn't be worth my while to stay in the UK as I pay rent here. It is very difficult to get a job in Ireland at 59 - it is quite an ageist place - or that is my experience - lots of comments from younger nurses about my age and wasn't it time for me to retire when I was working there. I don't find this working in the NHS. I definitely prefer the working culture in the NHS to our health service, but I just find the job exhausting. I have hardly any private pension as I worked in so many different nursing jobs as I was a single parent and just worked where fitted best around the children.
My preference would be to go back to Ireland. I recently inherited a small two bed cottage - old fashioned but inhabitable - from an unmarried uncle I looked after and was in very close contact with even when in the UK. I am thinking of going back home and managing somehow. Our family home is in Dublin. I would like to sell it, buy an apartment for my children in Dublin out of the cash and then use the rest to do up my cottage and to manage on any money left over until I get the State pension in Ireland until age 66 - and get a part-time job, if possible, in a supermarket or cafe or hotel - but my children - who have not always been appreciative - I have spoken about them previously on here - resent me selling the family home. However, I am not sure I can go on as I am. Intermittently, I have had issues with my autoimmune, issue - thyroid - in the last two years, then rasied CRP in my blood, and also lots of infections.