to want to pay less maintainance but I'm worried about the knock on effect(86 Posts)
Been separated for several years. At the time of separation, my ex and I agreed a figure for maintainance. I knew what it cost to run the house and look after DS so I was probably unrealistic as to what I could afford at the time.
I've always struggled to pay it - last year it was almost 40% of pre-tax income. I've been struggling with debt but supporting DS has always been my priority. Work has been difficult - I work as an agency worker and have found it very hard to get a full time job.
Ex has moved to a new house - which is great as DS has got so much out of the new location. Ex also works part time - so she can do childcare and also achieve a work life balance being a single parent. This has cost her financially and I'm more than aware of that. But she relies on my maintainance to pay the mortgage and bills.
I hate that I can't support her and DS. I just can't afford it. I've got debts and a mortage to pay as well as food to pay for. DS stays twice a week. The CSA calculator suggests paying a lot less per month but that's crap.
She can't get more hours at work. But I am wracked with guilt about the knock on effect. She's made sacrifices to bring up DS. And I've let them both down. There are times when I think it would be better to end it as the life insurance would be great for both of them but it's only the thought of DS that stops it.
I've tried to tell her what I'm earning at the moment but she doesn't seem to realise. She's struggling at the moment as well and hates me for everything that happened.
Another point, the CSA say to never rely on maintenance and it is no longer used when assessing benefits. That she chose to go against that is her choice.
Whenever people split up with kids there is going to be an inevitable drop in living standards (unless one or both of you is filthy rich) its just a fact. Moaning about it isnt going to change that. You both appear to be sticking your heads in the sand a little - you are racking up debt supporting outgoings you cant manage; shes gone ahead and set herself up with outgoings based on the idea that you will find a way to continue paying at the amount you guilted yourself into coughing up.
All the stuff about working part-time; who I was pre kids etc is all pointless as the decision was taken by both parties to have a child and the impact of that is big responsibility financially, practically and emotionally. The relationship breaking down is something none of us plan for when we make these decisions about children but if it happens then its a case of getting on with it.
Feels a bit like you and the ex have moved into separate houses but are continuing with the same relationship you had when together. You tippy toeing round not being honest about the facts and her telling you that its your fault things arent as they should be and you need to provide more.
The reality is you say you are getting into so much debt you feel the despair of ending it all. Thats a wake up call, if you think your kid is suffering a lower standard of living because of your split, think about the like he gets when one of his parents disappears for ever. You need to start making your decisions by looking at what he needs now and in the future. If she has to downsize so be it. There are many of us in a similar situation - it sucks but no one promised it wouldnt.
It's fairly common tho' for some blokes to land here and shoot off about the troubles they have had/are having with their exs/partners whilst knowing this is a place where their exs have a bit of respite.
So Pan if OP was a female asking the same questions and making the same points would be ok with you?
Maybe posters should check with you that they're ok to post before they start.
yes, to everything middleeasternpromise said.
OP, you do make your ex sound like a right ruthless individual, which she may be. If you're racking up debt through feeling guilty, it won't get any better and the only person who will stop this is you. Where do you see this situation being in 6 months/one year's time? You probably 'know' all of the stuff that has been said, but it's worthwhile having people looking in from the outside confirming it all?
The purpose of having the required conversation is to ultimately make life better for your dc. If you have trouble asserting yourself in front of ex, how about preparing a script beforehand and sticking to it, come what may?
The guilt thing? It sounds like she is extending the invitation for you to feel this way, and you are willingly accepting it. You can decline the invitation.
The point I was making about the ex choosing to work part time was when they were still a couple. If her career/earnings were that important to her then she could have chosen to work full time and both parents pay for childcare etc. Mainly stop letting that arguement guilt trip you. It was her choice to take on a large mortgage whilst working part time.
You both seem to be suffering from the economic down turn and sadly that means choices have to be made like many many other families whether single parents or not. Horrible I know but that is the reality somehow you need to stop feeling guilty for things beyond your control, perhaps you need learn and practice some stock phrases to stop you ex piling on the guilt "would you prefer down to CSA route rather than have this discussion again?"
Did the OP say that he paid 40% of his pre-tax earning to his ex? Doesn't that mean that he would be left with around £30 out of every £100 earned to live on? Doesn't seem a lot. Ex certainly sounds manipulative.
So, she moved to be nearer to your son's school. But could she not have bought a cheaper property in that same area?
You've got to cut yourself some slack, you're doing your best, she must know that and the manipulation is pointless. Go to the debt people and then you might have the breathing space to focus on the job search. Her financial affairs are her own and you need to get the debt under control.
Cut your maintenance to what the CSA calculator suggests. Add on a little more if it makes you feel guilty. There is absolutely no point in bankrupting yourself to pay what you are now. And there is no entitlement to it if you are paying over the odds.
Encourage your ex to find a full-time job.
I'm puzzled as to how she got a large mortgage that she cannot afford with a part-time job.
I think she is using you financially.
Go and see a solicitor or debt management company and I suspect they will say the same thing.
I think she is earning far more than she says, because the mortgage thing flagged up to me too. No mortgage company would give her a mortgage based on maintenance payments that could dry up at any point.
Does your ex have a car? If your son has a place at a great school then it's not going to harm him being driven to school. Lots of people live in an expensive area in order to get a place at a great school then move out to cheaper areas later.
When your ex went part time she made a choice that was presumably right at the time. If her career was important she should have insisted being full time while you went part time. Blaming you is unfair.
If you have your child more she will have more hours to spend increasing her income and its better that she makes preparations to move out now rather than have to do it suddenly out of the blue because you can't get any more credit or cash. You sound like a decent bloke who would increase maintenance if you managed to get a job with more income.
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