Landlord is selling property and I can't afford to move.

Gary_Moore_2

RHemmings said:

What part of the country do you live in, and where is your job located? 

I live in Trowbridge (Wiltshire) and work in the same town. So, thankfully, no commuting. I can walk to work and back 🙂

Emmia

Gary_Moore_2 said:

Browntoa said:

I earn way less than that and pay way more than that in rent.

You need to look at what you are spending money on 

The figure was before tax. I have a loan I am paying off, money I pay my son's mother each month (we agreed a monthly payment rather than going through the courts) and the usual bills and food. This all comes in at just shy of £1900pm.

I don't have Sky TV or any 'unnecessary' bills and so am extra £200pm would leave me with nothing. That doesn't include money for clothes or birthdays/Christmas, and 'active' club my son has to go to during school holidays (they are too frequent and his mother and I already orchestrate our holiday entitlement around said half-terms etc).

I am very shrewd with my money (negotiate bills, don't use heating in winter when I'm on my own, rarely use the oven etc). It's insane how much I have to pay to just 'survive.'

Do you have the possibility of finding better paid work?

Penguin_

Gary_Moore_2 said:

Browntoa said:

I earn way less than that and pay way more than that in rent.

You need to look at what you are spending money on 

The figure was before tax. I have a loan I am paying off, money I pay my son's mother each month (we agreed a monthly payment rather than going through the courts) and the usual bills and food. This all comes in at just shy of £1900pm.

I don't have Sky TV or any 'unnecessary' bills and so am extra £200pm would leave me with nothing. That doesn't include money for clothes or birthdays/Christmas, and 'active' club my son has to go to during school holidays (they are too frequent and his mother and I already orchestrate our holiday entitlement around said half-terms etc).

I am very shrewd with my money (negotiate bills, don't use heating in winter when I'm on my own, rarely use the oven etc). It's insane how much I have to pay to just 'survive.'

What is this figure?

Gary_Moore_2

I'll just do a message that responds to those I have thanked. I guess I will have to look at the sofa bed option. I am concerned slightly with that as my son is autistic and (sadly) can lash out at his mother. I do wonder what will happen when he is older and if it ever gets too much for her but I guess that's an issue to worry about if and when.

It's a very scary place to be in and I do panic a lot but I will start by contacting the landlord, as well as visiting every letting agent I can in town (as every listing is "fully booked for viewings" almost immediately they are put on Right Move).

Does anybody know what I can do with my stuff if I can't move it all? Am I liable for paying the costs if a landlord has to get it removed/autcioned or whatever the process is?

Thanks again to everybody who has commented.

Gary_Moore_2

Penguin_ said:

Gary_Moore_2 said:

Browntoa said:

I earn way less than that and pay way more than that in rent.

You need to look at what you are spending money on 

The figure was before tax. I have a loan I am paying off, money I pay my son's mother each month (we agreed a monthly payment rather than going through the courts) and the usual bills and food. This all comes in at just shy of £1900pm.

I don't have Sky TV or any 'unnecessary' bills and so am extra £200pm would leave me with nothing. That doesn't include money for clothes or birthdays/Christmas, and 'active' club my son has to go to during school holidays (they are too frequent and his mother and I already orchestrate our holiday entitlement around said half-terms etc).

I am very shrewd with my money (negotiate bills, don't use heating in winter when I'm on my own, rarely use the oven etc). It's insane how much I have to pay to just 'survive.'

What is this figure?

£200pm. It helps cover after breakfast/after school club and towards her bills etc. However I buy clothes and try to split things as best as I can.

Gary_Moore_2

Emmia said:

Gary_Moore_2 said:

Browntoa said:

I earn way less than that and pay way more than that in rent.

You need to look at what you are spending money on 

The figure was before tax. I have a loan I am paying off, money I pay my son's mother each month (we agreed a monthly payment rather than going through the courts) and the usual bills and food. This all comes in at just shy of £1900pm.

I don't have Sky TV or any 'unnecessary' bills and so am extra £200pm would leave me with nothing. That doesn't include money for clothes or birthdays/Christmas, and 'active' club my son has to go to during school holidays (they are too frequent and his mother and I already orchestrate our holiday entitlement around said half-terms etc).

I am very shrewd with my money (negotiate bills, don't use heating in winter when I'm on my own, rarely use the oven etc). It's insane how much I have to pay to just 'survive.'

Do you have the possibility of finding better paid work?

Sadly not. I don't drive, have no qualifications and work for my towns main employer. Even if I did somehow find better paid work (no idea what) it would likely include commuting to somewhere such as Bath, which would be quite the monthly cost.

I do feel my salary is pretty good and should be sufficient (as I don't pay for a car etc) but sadly my loan repayment and  the fact I have a son to support are costs that others may obviously not have to pay.

Penguin_

Gary_Moore_2 said:

Penguin_ said:

Gary_Moore_2 said:

Browntoa said:

I earn way less than that and pay way more than that in rent.

You need to look at what you are spending money on 

The figure was before tax. I have a loan I am paying off, money I pay my son's mother each month (we agreed a monthly payment rather than going through the courts) and the usual bills and food. This all comes in at just shy of £1900pm.

I don't have Sky TV or any 'unnecessary' bills and so am extra £200pm would leave me with nothing. That doesn't include money for clothes or birthdays/Christmas, and 'active' club my son has to go to during school holidays (they are too frequent and his mother and I already orchestrate our holiday entitlement around said half-terms etc).

I am very shrewd with my money (negotiate bills, don't use heating in winter when I'm on my own, rarely use the oven etc). It's insane how much I have to pay to just 'survive.'

What is this figure?

£200pm. It helps cover after breakfast/after school club and towards her bills etc. However I buy clothes and try to split things as best as I can.

Not horrific then.

I would advise doing an SOA so people on here can help you.

Gary_Moore_2

Penguin_ said:

Gary_Moore_2 said:

Penguin_ said:

Gary_Moore_2 said:

Browntoa said:

I earn way less than that and pay way more than that in rent.

You need to look at what you are spending money on 

The figure was before tax. I have a loan I am paying off, money I pay my son's mother each month (we agreed a monthly payment rather than going through the courts) and the usual bills and food. This all comes in at just shy of £1900pm.

I don't have Sky TV or any 'unnecessary' bills and so am extra £200pm would leave me with nothing. That doesn't include money for clothes or birthdays/Christmas, and 'active' club my son has to go to during school holidays (they are too frequent and his mother and I already orchestrate our holiday entitlement around said half-terms etc).

I am very shrewd with my money (negotiate bills, don't use heating in winter when I'm on my own, rarely use the oven etc). It's insane how much I have to pay to just 'survive.'

What is this figure?

£200pm. It helps cover after breakfast/after school club and towards her bills etc. However I buy clothes and try to split things as best as I can.

Not horrific then.

I would advise doing an SOA so people on here can help you.

Cool. Thank you very much 🙂

enthusiasticsaver

How much is the loan?  You may have to default on that as rent needs to take priority.  That will affect your credit record though so if the rental agency credit score you it will affect that.  You  are right in that rental prices are crazy.  Are you or your sons mum claiming DLA for your autistic son? Is staying with family an option for a month or so while you save up a deposit?  Are you due back a deposit from your current rental? 

A man with a van for moving your stuff can sometimes be hired for an hour at a cheap price.  I would not leave your stuff at your house once your rental has run out as the landlord is within his rights to just get rid of it. 

I think sadly it is tragic that house prices even in Wiltshire are beyond the means of someone on a fairly good salary. On RM there appears to be the odd 1 bed flat and house shares/HMOs for £800 and under so I think you will need to find the additional money. Can the loan be restructured to a longer term? 

RHemmings

Gary_Moore_2 said:

RHemmings said:

What part of the country do you live in, and where is your job located? 

I live in Trowbridge (Wiltshire) and work in the same town. So, thankfully, no commuting. I can walk to work and back 🙂

Hopefully there are people familiar with the local area who can give advice. I don't know Wiltshire at all, myself. 

Looking at previous advice, if I was in your situation I would see what compromises are possible in terms of location. While a 1 bed flat and a sofa bed are possible, personally I would want to maintain a bedroom for my son if at all possible. 

Looking at your local market, I see what you mean by properties saying on the listings that they are full for bookings. There is a new one today, but it looks unappealing and is still above your current budget. https://www.rightmove.co.uk/properties/162812486#/?channel=RES_LET

I was wondering if transport was consuming a lot of your budget (e.g.  if you were working in London), but with walking to work, that shouldn't be a problem. In which case, the above advice to go on other forums and work out where you are spending what would be useful. I guess you're paying support for your son, which would reduce your income considerably. 

Have you considered widening your search area and cycling to work? It depends on the person, but I would consider 8-10km cycleable. (I currently cycle 3km each way to work and it's just nothing to me). Also, what public transport such as buses could be taken. I am not a medical professional and this is not medical advice, but I have heard that regular physical exercise can benefit people suffering from depression. E.g. https://www.mayoclinic.org/diseases-conditions/depression/in-depth/depression-and-exercise/art-20046495  Electric bicycles exist and will expand usable range. But, you can't buy a usable electric bike on gumtree for £30 and you are short of cash. 

I see that Melksham isn't too far away for cycling (for me anyhow), and there are buses that take about 30 minutes to get to Trowbridge. That would allow you to look at something like this: https://www.rightmove.co.uk/properties/162794543#/?channel=RES_LET  

These are just random ideas. I don't mean to specifically recommend Melksham (where I have never been in my life). I'm just suggesting the idea of looking a bit further afield.