Yet more financial faux pas and many other disasterous decisions

Shalva

Couldn't just read that and run Moo like I do every other day......

Hope you managed some sleep.......
No great words of wisdom, just wanted to send some positive vibes to you and say I hope it will all work out for you and the girls....

Thinking of you today......

alibob30

Oh Moo, he truly doesn't deserve you or the girls. I would be really pushing him to leave, your girls need their home and stability. Big hugs to you

MatyMoo

So sorry that he has failed on his final chance and is now delusional. I do agree that there is never a good time to do it and sometimes you just have to make a decision and act on it whatever time of year it is.

Sending you hugs as you work out your next move.

peaceandfreedom

(Read your diary all the time but rarely de-lurk).

Agree with what the others have said. Wish I had some advice for you but I am stuck at the moment with a heavy-drinking OH as well.

Hope that you get everything sorted out so that you and your girls have some stability and some peace around the place.

Wishing you lots of luck. I was going to wish you strength and wisdom but you already have tons of that, along with your unending energy.

You are an amazing lady.

Eager_Elephant

(((Moo and DD's)))

I am sorry to here things have not changed at home with OH. As you quite rightly say there is never a good time to end a relationship.

I just wanted to let you know that even if you are not able to go through with it this time we are all here with you whatever happens. You will always have our never ending support.

Hope you manage to discuss this more today and finally get things out in the open.

Sorry forgot to ask whether his friends are still there? Do you think he invites people round so he has a legitimate excuse to drink?

Knitting_Nora

As with the others, no great words of wisdom - just big hugs, and positive thoughts heading your way from this little corner of the 'verse.

Nora.x

Bitsy_Beans

Lurking as usual Moo but just wanted to send you and the girls some hugs.
I am amazed you've put up with him as long as you did
You deserve better, but of course it's easier for him to try and blame you rather than accept responsibility <rollseyes> I agree there is never a good time so no point putting it off, I wish you all the best xxxx

Mags_cat

When, precisely would you have *time* to have an affair??! You already do enough to fill a 36 hour day as it is....:D

This has been coming, as you said, for a while. There is no "good time" to split up but there will be better times on the other side.

Or, as someone else said, even if the other side is a while away - we'll still be here cheering you on from the sidelines.

moo2moo

Morning all! Woke up knackered but full of positive thoughts which were further bolstered by the many messages of support from you all, you have no idea how much that means.

Spent the night surfing t'internet and have discovered several things.

• I need a change of job to one that pays better with considerably more hours to stand a change of giving the DDs the sort of life they deserve.
• There are woefully few affordable rentals in the area. A one bedroom flat will set me back just over half my salary each month whilst a two bedroom house is a little more than two thirds my entire monthly income.
• The unfurnished rental on the way to work which is also ten minutes walk to a bus route for DD1s school is perfect with the minor exception of the £2K a month price tag.
• The other alternatives are housing association places which would mean a 25 mile round trip to work each day and several vacant council properties which are listed on the council housing site with boarded up windows on one of the most deprived estates in the area.

Its not looking good.

Plan B involves purchasing a place but even if I qualified for a 100% mortgage of 4x my income I'd be eligable for a whopping 50K. The only place on the market thats not a building plot at that sort of money is a glorified static caravan with a no under 50s policy.

OH is full of apologies this morning. Hes admitted, again, that his drinking is way out of control and has also realised that hes blown his last chance. Or at least I could have sworn they were the words that exited his mouth just before he started talking about renting the field next door for something or other. Me thinks the boy is inhabiting cloud cuckoo land.

Have two weeks off work over Christmas, am tempted to go and stay with my parents for a large chunk of it just to give myself a little thinking space. Not really sure what my next move is nor whether its even me that should be moving. I know if I leave it to OH things will be just the same in six months time.

Plans for today involve making the most of the peace as OH and friends have taken DD1 to the aquarium for the afternoon. DD2 is playing PC games on the sofa in the hopes that her sprained ankle improves quickly.

Spent yesterday at a school fete so DD2 and I have a large stack of books to wade our way through whilst DD1 is the proud owner of an animal hospital hospital which has kept her ammused for hours.

Washing machine is on its third load of the day so far. Everything is covered in plaster dust as OH has rather bizarely decided that this is the week that he patches the missing chunks of plaster in the lounge. Obviously thats the sort of thing that people do when they have guests to stay. Wouldn't be too bad if he got on with it but hes managing a whopping 20 minutes or so of mess making each day which is most infuriating.

Off to knit a couple of rows of shawl before having another blast at the housework.

Eager_Elephant

Hi Moo

Can you check how much Child and Working Tax Credit you would get by using their calculator as this is really handy to top up your income when you are on a low wage?

Also what about Housing Benefit/Local Housing Allowance - if you go to your Local Authority website it will tell you the maximum they can pay towards your rent and then you can input your income and this will also tell you how much you will be entitled to?

But aside from that why are you going to move? Can't OH move closer to his work or could he stay with his parents in the mean time?

Remember any maintenance received is not counted as income for Tax Credits for Housing/Council Tax Benefit!!

EE