HELP need advice, just split with partner today

hjb123

Have you thought about signing up to mystery shopping? It doesnt cost anything to sign up and with most companies you can pick and choose the ones that you do! It doesnt earn much but some of the stuff you keep and yet get paid for - so free food if you do a supermarket!

Check out the following thread:
http://forums.moneysavingexpert.com/showthread.html?t=155081

Im signed up with https://www.tns-global.com/mysteryshopping

melt71

missk_ensington wrote:

With regard to my partners signature on the mortgage, he isn't on the mortgage. Im a single applicant buying on my own (hence why he's walked away and dropped me in the brown and sticky so easily!) and Id gladly take in a student if I didn't live 70 miles from the university (I commute this distance from manchester to Lancaster). Not sure anyone else would want to do the journey.

It's not only your university that requires accommodation; it's all the language school in the area, other further education establishments, local universities etc. Contact the local language schools and tell them you have a room available and would like a long term female student (or 2 if you can fit 2 single beds in the room!). You could also put up cards in all the local colleges/universities to attract a local female who needs to rent.

Also, it's not only people in education that need to rent - virtually everyone under the age of 25 would struggle to raise the money for their own house or flat and they have to live somewhere Have you thought about putting a couple of cards in shop windows with an advert for your room. If you rent to a professional female you may get more money than someone in f/t education anyway.

I think renting a room is your best option. It will certainly help to pay the mortgage and as long as you establish boundries with her it will be fine. I don't advise that you sell the house until you are ready, rents are generally more expensive than mortgages and at least mortgages eventually go down!

Good luck.

lynzpower

Sorry to hear of your situation miss K

I would approach your hardship find at uni, and see what they can give you?

TBH, this is not easy to say, but is there any chance you can back out of this house now? I know you will have spent the money on surveys & whatnot, but if the only way you can afford to pay the mortgage will be by your ex's income, you are on precarious ground.

Could you suspend your course in order to work full time? Or go part time on it? Sorry just thinking out loud here

Hugs
Lynz
x

lynzpower

In saying that though Melt, Housing benefit should pay the rent if she is renting, but up to 9 months to pay the interest only part of the mortgage

melt71

lynzpower wrote:

In saying that though Melt, Housing benefit should pay the rent if she is renting, but up to 9 months to pay the interest only part of the mortgage

I'm never really sure how HB works as I've never claimed it but the thing that worries me about claiming benefits like that is that they sometimes get taken away from other benefits!

If you are going to go down that route Miss K I suggest you get advice from the CAB about if you will really be better off.

I personally think that a female lodger is your best option for the time being, if you have a spare room put it to good use. I'm in a very similar position to you except that I work part time instead of being a student and if I had a spare room I would rent it out to help with my HUGE mortgage! lol In fact I may kick my dd out of her room and make her sleep on the sofa

lynzpower

HB & CTB never get deducted from other benefits AFAIK, Ive never heard of it happening in 6 years in social servcies, I dont think it happens.

all_hours

melt71 it works the other way round. Housing benefit would be reduced if the total income, including benefits and rent from a lodger, is over your individual allowance. A lone parent would have a higher allowance than a single person.

miss kensington - your situation is a complicated one, I hope you manage to work it so you don't have to give up on any of your plans.

missk_ensington

I've decided I'm going to go ahead with the house, and look for a lodger as you've suggested. The house is 3 bed so I have a spare room anyway. Also going to advertise to do cleaning and ironing for extra money and take on a bar jpn every Friday night when the baby see's his granny in Blackpool.

Thanks for the survey idea, I'm gonna go and sign up now!! Im not entitled to HB as I own the house, and my wage isn't low enough. My monthyl income s going to be about £1300 which isn't hugely low, but from that I have £1400 expenditure as I have to pay for my childcare, as discussed on page 1 and I'm not dodgy enough to risk claiming childcare both through both Tax credits and Uni grants!

If anyone can think of work I can do from home to make money please let me know!! Or any ideas to make some cash!

missk_ensington

PS. My uni have an Access to Learning Fund which I'm going to apply for and I'm going to see if there is anything else available, and mature students, people with kids, or with a disability get priority and I fit all three!

I'll come through it, even if I have to work 5 jobs and look after a 2 yr old with no family or friends I'll manage it! Im not backing out of the house, even if I back out I'd be paying £400 a month in rent at least, so Id rather pay my mortgage and sell up end of summer having made £15,000 (hopefully using that to pay back anything I borrow between now and then!)

Kind friends have all offered to help me decorate and lads who are builders/joiners etc have offered up a 'free weekend' of labour.If I get desperate I 'll have to borrow on 0% CC and pay it back when I sell the house, although I know this is a big risk!

Fran

Why don't you move now back to one of your mum's many properties? It would save you a lot in diesel.

This post on another thread is a bit ironic.....

missk_ensington wrote:

I'd refuse to move out. My mum has rental properties and is very cautious about women with kids because she had one a while back who moved in and never paid a penny in rent (despite receiving housing benefit!) and it took 12 months for my mum to get her out, and I don't think she ever recovered any money, and if she did it wasn't a lot. She played the 'single parent, can't afford the rent' card and my mum was powerless. This woman, was also working cash in hand and got caught from claiming benefits and working, and the council tried to recover the fraudulent Housing Benefit off my mum as the rules state that the Landlord is responsible for paying back any overpayment in Housing Benefit, despite the fact my mum didn't even know she had a HB tenant! The woman had the money paid direct to her and told my mum she was working!

The point I'm making is the tenant has all the rights, not the landlord/lady.
Good luck x

The landlord would not have been responsible for any fraudulent Housing Benefit, the claimant would have been. The rules don't state the landlord is responsible, they would however have to pay back any overpayment that was made directly to them (which wasn't the case here).

I don't think you have a cat in hell's chance of making this work without ending up in serious debt or your health suffering. One thing you might want to consider too is that your DLA might well be stopped if you are seen as able to be a full time student, a full time single parent and with "5 jobs if necessary".

It is demanding enough being either a full time student or a single parent without trying to work as well over 16 hours per week, plus the commuting. What kind of parent are you going to be with your child (if you ever see them)? Plus you're talking about the extra stress of finding and living with strangers and having to find replacements when they move out and try to sell the house (assuming you can get rid of your lodgers better than your mother can). You've then got the stress of moving.

It's totally unrealistic.