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  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    If he had a one bed private rent and has no income he should most likely get housing benefit.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • ZTD
    ZTD Posts: 24,327 Forumite
    Seaxwyn wrote: »
    HI beanielou!

    He has always been pathologically disorganised.

    Is that "pathologically" as in "pathologically" - or just as in the sense of "very".
    Seaxwyn wrote: »
    Before we had kids, I was happy to support us both. Then our outgoings went up, I worked part-time for many years, we got into debt, our happy-go-lucky lifestyle didn't work any more. I got more stressed and resentful and life got less fun for both of us. He backed into a defensive, passive, negative way of being and I became the model of charm that you have seen :o

    This has been the status quo for too many years now for us to go back from.

    No. The years don't affect the ability to change, only the desire.
    Seaxwyn wrote: »
    But it all makes me feel very guilty about abandoning him.

    Because he's helpless? Why is he helpless? Is it because you'd leave him if he wasn't?
    Seaxwyn wrote: »
    Now, in other news, I've just been offered freelance work 3 days a week 'for a few months' in the new year. I think this could be the trigger I need to quit my job. Yes there is no guarantee it will last, but it is a start.

    Are there any other leads?
    Seaxwyn wrote: »
    My job is really getting me down. The nature of our work has changed so much since I started there that I am really out of my depth. I don't have the right knowledge or experience so it's just demoralising.

    Is that the sole reason?
    Seaxwyn wrote: »
    A lot to think about this weekend...

    :grouphug:
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    Not sure how to put this, but erm. Well, erm... your OH is like he is because he can get away with it. The only times he has got off his butt, is when he realised that you had got to a point where you were serious about him doing something, or else something bad was going to happen that would shake up his comfortable little world. As soon as your focus goes back to work, the kids the debts etc, he settles back down into not doing anything again and all is well.....for him.

    I don't want to use the word enabling but can't think of a better one. He is disorganised and depressed at least in part, because you allow him to play the victim card and get away with it. It wasn't his fault that the animation industry modernised so now his skills are redundant. So this means he can get away with the "I am on the scrap heap at x age, and there is no chance i will get a decent job again" spiel. What he forgets is that he COULD have retrained, he COULD have took his passion and channelled it into a NEW career, but he CHOSE not too, because it is so much easier, to stay at home, not doing alot, and being 'kept' by you. He doesn't see that if he had pulled his weight all these years, you would BOTH have a much better standard of living now, and would have BOTH been less stressed and unhappy...

    I think that if he had to leave, you would be amazed by how well he would eventually cope (after trying to play the look I am not coping take me back card), and at that point, you would be pretty angry with him too, because he could have coped all along....

    You know me I am a bit blunt some times, but I am in the you only live once camp. Do you want another 20 years of this stress, and unhappiness FOR BOTH OF YOU? Or do you want to have a chance at being truely happy?

    Ref the kids and their relationship with their dad. Kids adapt. And once he is standing on his own two feet, I think they will be far prouder of him than I think they maybe secretly feel now....

    Please ignore all of the above if you want, but I felt it had to be said.
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • ZTD
    ZTD Posts: 24,327 Forumite
    chevalier wrote: »
    Please ignore all of the above if you want, but I felt it had to be said.
    chev

    Yes it did.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    Yup, all those things are very clear to me too. But so are lots of other things that cloud the situation. I hope this is what counselling will help with, I can see so many reasons for and against every possible course of action!
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    Good morning! It's December and my total today is £19,194.54. That's only £41.90 less than on 1 November, but it has been an exceptionally expensive month with new school uniform, deposit on a school trip, and my trip to India. I also paid £75 for a new high bed for DS, which will be delivered tomorrow. That was a crazy impulsive purchase designed mostly, I think, to force issues with OH as the only possible way we can fit this bed in is if we get rid of our double bed and give our bedroom over to DS.

    December is always expensive, with Christmas presents and parties and such. I don't know how I'm going to get through it as my main current account is already at its limit. However, overall I'm pleased by how the debt reduction has gone this year so I'm not going to stress about months when the reduction isn't great for good reasons.

    I'm looking around for another job, or enough freelance to justify giving up work. Annoyingly I've had a really good offer of freelance work but I need to start working 3 days a week on 10 January - and I don't feel I can give a month's notice at work given that I have so much leave and am only working one more week before then. This is always a problem - the good freelance work demands that you are available to work at short notice, and I can't give notice without having work there, so it's a chicken and egg dilemma.
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    I have taken decisive action on one thing, at least. I have quit my job! There are a lot of reasons why my current job isn't right for me, and it is adding to my stress. The freelance offer was good. So I had a chat with my very nice and sympathetic boss and agreed that my last day here will be 9 January. Woo hoo!

    To minimise the stress for my employer (and alleviate stress on my wallet) I have agreed to cancel the month's leave I had booked over xmas and will instead be paid for all those days in January. So I will get a bigger than usual pay packet i January to tide me over til the freelance earnings arrive in late feb.

    There's no doubt this was not the most prudent decision but I feel happy about it. Work was making me unhappy and I have enough to worry about without that.
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Good for you.

    Now, just make it work :D

    x
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • Good that you have made the decision and now its up to you to make it work and I am sure you will - 2012 will be your year

    DTxx
  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Can you start promoting yourself now? Good luck
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
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