Newly seperated mum needs advice

Geminimum

Hi all,

Ive finally had to tell my husband of 17 years that our relationship cannot be salavaged and I wanted a seperation. He has taken our car and his clothes and some bedding, curretnly looking for a place to stay.

As I am self employed and cannot work without the car, I have about £60 to last till Friday when his wages go in the bank and even then it will only be about £500 as he has had 2 weeks off sick this month. He has said he'll get the car back to me ASAP but when I earn £138 per week, its gonna hurt me and the kids severly.

My question is I know i'll need to contact tax credits, but who else do i need to contact? I presume the local Council but apart from that I have absolutely no clue. Our mortgage will be due next week and we already behind and were due to go to Stepchange to sort out our finances, but right now I have no idea what to do and quite frankly, Im panicking.

Help!

picklekin

Sorry for what your going through. You need to speak the council to apply single person discount and I would contact mortgage provider to ask for a period of interest only mortgage to give you breathing room. I'd recommend some end of relationship counselling to get some closure and sort out children's access.

marisco_2

I am sorry to hear your news. I hope you have the support of friends and family to help you through this difficult time OP.

As far as finances go updating tax credits and the council are your first steps. I would recommend contacting your mortgage provider and making them aware of your new circumstances. See if they can do anything to help like adjusting your monthly payments so as to ease the pressure you are under. If things are still amicable between yourself and your husband, it could be wise to still arrange to go together to StepChange and take their advice on handling your debts. The only other call I would suggest you make is to your children's school. By informing them of the situation at home you enable your children to be supported properly, and for any upset they feel to be handled sensitively and appropriately. All the best to you.