What would you do? Help for my sanity!!!

climbgirl

I would second (or third!) the idea of you moving into your OH's room when he lives and pay the rent there. It seems his family are ok with you being around and I'm assuming the rent paid on the room will be a lot cheaper than getting your own place.

If the rent on your own place will eat up almost half of your take home pay, it seems like you're going to struggle to pay all the bills involved as well as your debt repayments. Which is only going to get you into more financial trouble.

I think the best solution is to try and move into your OH's room or work out some agreement with your parents to pay rent / utilities to them (you really have been lucky that they've put up with no contributions for so long!). That then gives you a bit of financial freedom to pay down the debt.

What did the debt go on? Do you have cars or anything like that which could be sold to try and pay down the debt more quickly?

mostlycheerful

Perhaps consider house sitting which you get paid to do and is often in high quality places while the owners are on holiday, travelling or working elsewhere. Various companies organise this.

Alternatively have a look at being a property guardian, various places available all at very cheap rents, ranging from nice to grotty, big to small, mostly for months but sometimes for years, various companies in various locations do this.

Good luck.

luluvmo

Thanks for all your replies. Nottoobadyet, you didn't hurt my feelings, I get what you are saying but I feel like a complete spoiled brat, and thats not something I thought of myself as being! I think I just needed to write it all down to make sense of things. I know moving out will be costly, and Im not the sort of person, generally speaking, who rushes into big decisions like that without checking it all out first! Wish I'd done that before letting the debts mount up! Lovely old hindsight! To be fair my folks are great. My dad has asked my brother to pay £100 a month and I think this is a fair amount. My mum is disabled so their lives can be quite difficult. We generally all get on ok, but sometimes I feel we would all get on better if we all had our own space.

As for where the debts came from, well lets just say I don't have a lot to show for it! I have never made very wise job choices and spent 6 years working 40 miles from home for 12K a year. This resulted in lots of petrol, tyres and a very bad car that broke down once a week. Eventually had to get a new reliable car, hence needing more credit. Have just had to get rid of that car too as would have cost 1.5K to fix! Have got myself a cheap little runaround now, moved jobs at beginning of year, closer to home and more money, so this has helped. I used to have to spend nearly £200 a month on diesel. Like I said in my first post, I think I just need a kick up the bum to get me in the mindset to get these debts paid off and work towards getting what I really want which is my own place.

BenS1

I'm in a similar situation as the OP. I technically still live at home with my parents, but most of the time I'm at my OH's. I still have a few years until I hit 27 through

We're planning on finding a 1 bed flat, and going 50/50 on the rent. Have you thought about that, if by what your saying there is not much difference in house shares and that he will be away in the army?

MrsTinks

If you could afford a 1 bed flat with OH there is no reason he can't store his stuff there is there?
So putting his rent towards the flat and what you can afford and add bills on top and see if you can manage?
Alternatively - can you up your income? Overtime? Pub job (well your OH will be abroad for a while soon so good time to do this!)?
This would maybe give you enough to over pay your debts as well as enough to get a room in a house share With OH away you only need a 1 bed - maybe someone would be interested in negotiating a little in return for you doing the bulk of the house cleaning? Sure it'll be tough but if you can hit this on the head before your OH returns then it'll be much easier...

niksyg

Maybe the two of you couls get married before feb (wouldn't be a big expensive wedding) then when he is in the army you would be able to get a quarter (a house for married couples) at very very low rent. I know it's not ideal but I know lots of people who have done it.