Ex Husband not paying mortgage and I can't afford it.

Person_one

kellyjo70 wrote: »

I couldn't even afford a bedsit. I literally spend every penny now and that's with buying the least amount of food I can and the cheapest brands. I never have any money left at the end of the month so any rent will be too much.

Have you looked into ways you can cut down your outgoings? Spending a full time wage every month when you don't have to pay for housing does seem like a lot. What's it going on?

sukysue

My bf is in your predicament Kelly she has to pay a mort of 675 on an income of 940 I mean how the hell is she supposed to pay that?
Anyway the long and short of it is she is going to have to sell she has some equity in it but she will have to buy in a much less expensive place to live having exhausted many many other solutions.The bank have been utter wasters to her too not helping her at all and generally giving her the runaround,I am so sorry I can't be more constructive or have good news for you but you know what you have your son and your job which sounds as if you enjoy. Surround yourself with friends and family and remain positive the glass is alway half full. Good luck my dear .

kellyjo70

Person_one wrote: »

Benefits don't need to be an 'awful thought', they exist for a reason and that's to help people like you keep a roof over your head! It won't suddenly stop you being a hard worker, or a good person.

I know thanks. I know there are a lot of good people on benefits. I guess it just sounds bad as you hear of so many lazy people getting hand-outs all the time. I always saw myself as someone who managed to look after myself without outside help.

Brighton_belle

kellyjo70 wrote: »

I can't get a lodger as I only live in a small 2 bedroom house.

We live in a small 2 bed house: we let the downstairs 'sitting room' as a double bedsit to a lodger and when things were very tight, the upstairs smaller bedroom too and despite being in our 40's, used the front bedroom as our bedsit, putting up the bed every night for 5 years.
Depending on the layout, this is possible, even if it means thinking outside the box of convention.
I appreciate it would be harder with a teenager in the house too, must needs must.
I also would assume if you needed to rent, you would be eligible for housing benefit.
Is there any possibility in renting out your whole house: would that leave you enough to cover mtg and half your rent (and on going repairs/maintenance to your house).

*max*

It seems very odd that you have so little money left that you can't buy food, when you earn a full time salary AND get tax credits, AND don't have a mortgage or rent to pay (which is normally the biggest chunk of anyone's outgoings).

Quite apart from the housing situation at hand, you probably need to look at your budgetting tbh!

justme111

Raised by a mum like you your son is very likely start earning in a couple of years and life will becomeuch easier x

kellyjo70

Person_one wrote: »

Have you looked into ways you can cut down your outgoings? Spending a full time wage every month when you don't have to pay for housing does seem like a lot. What's it going on?

I had debts before the divorce (credit card and cagtalogues mostly) and I pay all the household bills plus run a car. By the time all the bills have been paid (including my own debts), I have just enough to get food, petrol. Some months I have a little bit left, other months I hop over into the overdraft. I do need to contact my suppliers (Gas/Electricity etc) to see if I can save a bit more. I'm just not very financially minded so all the number crunching blinds me a bit lol :eek:

BitterAndTwisted

If the mortgage is still in joint names you are going to have a devil of a job selling the property.

Still, if he continues to not pay the mortgage and you're repo'd you'll likely go to the top of the council housing list if you can't find private rented accommodation.

kellyjo70

*max* wrote: »

It seems very odd that you have so little money left that you can't buy food, when you earn a full time salary AND get tax credits, AND don't have a mortgage or rent to pay (which is normally the biggest chunk of anyone's outgoings).

Quite apart from the housing situation at hand, you probably need to look at your budgetting tbh!

Like I said, I earn a very low wage. It may be full time (term-time) but its not a good wage. My friends son (17) earns more than me on an apprenticeship and I am 43!:eek:

*max*

You're at least earning minimum wage, and get tax credit/child benefit, so without a mortgage or rent to pay you should be ok, really. Maybe you should look at your debt repayment plan if it's crippling you to that extent?