Potentially homeless soon, advice needed.

lisyloo

Fwiw I do totally believe you.
My DH went through unemployment in most of 2013 and he was devastated. Luckily he had good marriage, family and money, but it was still difficult.
Previously my boss had been through similar, he was an alcoholic, lost his family and in the end he died from the alcohol. I was really worried about DH because of what happened to my boss.

I'm not sure All those who have nice lives and the support of families fully appreciate what you're going through.

I'mo not sure why people expect either ex to help. They (like you) will do what's best for them and their health and wealth. Parents and family however don't stop loving a son although there may be some work to do to repair relationships.
If I was your sister I would!'t give you a handout (because I don't believe that on it's own helps) but I would help with budgeting, a roof and work, so think about what you ask people for. They all think they work hard for what they've earned and often resent any expectation that you can just take it.

SerialRenter

As this is a debt related issue, i would be nice if everyone followed the "non judgement" rule that's in place on the debt free wannabe forum.

If the OP's been brave enough to admit they have a problem and need help, the last thing they need is people judging them whilst offering no solutions.

OP, i suggest you also make a thread on the debt-free wannabe board to talk through your finances and also perhaps a thread on the old style moneysaving board with your budget, which they'll by some sort of magic be able to stretch to eating decent meals every day for pennies.
I think the hostel idea is a good one too. Your income should be a priority here, bankruptcy should be a last resort as it'll affect your finances for a long time into the future.

Poppie68

I agree with the posters who say be cautious of attempting to move back with you ex...my sister in law jointly owned a property with her ex, he walked out and5 years later attempted to move back in, the police were called he was removed and the matter was taken to court. The judge ruled against him telling him he had lost the right to reside after he had left and no contributed anything to the mortgage in those 5 years. Obviously this might not be the case with you but you need to be aware things may rapidly go pear shaped if you force your way back in. ...for you immediate needs try a B&B, cheaper outside the city not ideal but perfect for a short term solution.

lisyloo

for you immediate needs try a B&B, cheaper outside the city

B&B outside the city of London (I'm thinking ealing, ilford etc.) are still around £50 per night plus travel costs.
The OP needs to be looking at backpackers hostels which are about £8-£10 and can be found centrally. This means sharing with about 15 other people so not fantastic but it's the minimum price for a decent roof over your head.
I have found trivago to be a good site because it searches lots of other sites but you need to check the "shared accomodation" box.

Believe me - B&B is an expensive option for people on high salaries. That's why millions of people commute into London from further out every day.

Poppie68

lisyloo wrote: »

B&B outside the city of London (I'm thinking ealing, ilford etc.) are still around £50 per night plus travel costs.
The OP needs to be looking at backpackers hostels which are about £8-£10 and can be found centrally. This means sharing with about 15 other people so not fantastic but it's the minimum price for a decent roof over your head.
I have found trivago to be a good site because it searches lots of other sites but you need to check the "shared accomodation" box.

My husband left one in Watford 2 weeks ago and had been paying £25...he negotiated with them as it was going to be long-term. Maybe the Op could look into it as it doesn't seem likely he is going to be able to afford deposits etc for anything else any time soon. Oh and a breakfast thrown every morning.

mjoneseyjones

He had £130 to last him three weeks, even if he found a B&B for 25 quid a night, that will still only get him a weeks accommodation. That's before travel costs into the city.

What use is that? Have to agree that as unsavoury as it sounds, backpacker hotels seem the best and most affordable method of keeping a roof over his head and still being close to work.

Poppie68

It depends if they want paying up front or not some don't...at this stage the Op has got nothing to loose by looking into every conceivable idea for putting a roof over his head.

lisyloo

£25 sounds exceptional around London and still too expensive plus travel costs.
Why not pay the £8 and at least that way leave something for food and travel. There is probably a hostel within walking distance.
This is really the only practical workable solution.

Yes every conceievable idea should be considered but £25*21 days is more than he has.

The hostel is a commercially run operation for travellers.
It's low cost but its not a charity for the destitute.
Beyond the lack of privacy I don't see why it shouldn't it ok - compared to being out on the streets.