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I cant afford my rent anymore!!

(233 Posts)
Purplecrocsrock Fri 10-Aug-18 21:00:09

Me and DH, and DD whos 14 months signed contract 4 months ago £875 a month, DH earns around £1600 a month, but we have been constantly living in the credit card since we moved in, paying energy/council tax/water and car insurance has just increased by 40 per month.
What will happen if we find somewhere cheaper, with the contract we have signed for 12 months here?

NinetySixer Fri 10-Aug-18 21:11:12

You are tied in. The best thing is to speak with your landlord and see if they would consider a reduction in rent or your assisting with finding a new tenant.

But legally you have to pay rent until the end of the contract plus all utilities.

Perhaps speak with shelter.

GeorgieTheGorgeousGoat Fri 10-Aug-18 21:12:47

Do you work? 1600 a month is tight.

planetclom Fri 10-Aug-18 21:13:48

Are you claiming all you are entitled to? Do you claim housing benefit? Can you get a job?

19lottie82 Fri 10-Aug-18 21:14:39

Can you pick up some evening work while your DH looks after DD? Even 10 hours a week @ min wage could be over £300 a month?

dotty12345 Fri 10-Aug-18 21:14:48

I was in this situation when I found out my dad was very ill (only child would need to take (unpaid) leave) I was honest and they let me leave before tenancy ended with no consequences

Purplecrocsrock Fri 10-Aug-18 21:23:50

DH works night shifts- 6-6 so gets home at 7, sleeps till 1/2 so not rrslly any time for me to go to work! Im also studying. We get 100 per month from universal credit. But we have debts we have to pay- credit card, and a catalogue my mum fraudulently took out in my name and spent 1000 on.
I asked the Landlord for a reduction but he said he couldn't possibly as he wanted 950 for it at the beginning. Not really worth it fot a 2 bed terraced!!
Do you need a license to work from home say ironing people's clothes?

NapQueen Fri 10-Aug-18 21:25:54

Did you report your mum to the police? I cant see why you would be liable for that bill.

Purplecrocsrock Fri 10-Aug-18 21:26:17

The 1600 is after debts are paid (250 a month) so he comes out with around 1850 a month, I've been looking for jobs when hes off work usually 2 or 3 random days a week, but no one offers that flexibility

GeorgieTheGorgeousGoat Fri 10-Aug-18 21:26:19

No you don’t. Just register as self employed with HMRC (very easy).

Singlenotsingle Fri 10-Aug-18 21:27:11

Rent comes before credit cards and catalogue debts.

NapQueen Fri 10-Aug-18 21:27:12

Stepchange are a great advisory sevice who could help work out what you can do.

Purplecrocsrock Fri 10-Aug-18 21:27:18

My mum has passed away so can't claw back any money from her or as the catalogue said i need to prove to them it was her

NapQueen Fri 10-Aug-18 21:29:20

Can you jot down here what your general outgoings are? There may be things that can be trimmed/swapped/stopped.

Have you checked for cheaper utilities?

Rent and utilities comes above everything else.

GeorgieTheGorgeousGoat Fri 10-Aug-18 21:33:06

Agree it should be the debt you can’t afford anymore - not the rent! Priorities!!

abbsisspartacus Fri 10-Aug-18 21:34:34

Step change or christians against poverty they can help for free

DroningOn Fri 10-Aug-18 21:35:19

As a former landlord I'd say be open and honest.

I'd prefer to have got something than nothing and they might allow an early termination.

SunnySkiesSleepsintheMorning Fri 10-Aug-18 21:35:33

How old is your DD, 14 or 16 months?

LuluJakey1 Fri 10-Aug-18 21:35:42

Did you shop around for car insurance. I have just reduced mine by over £500 a year by shopping around online.
Can you look at your outgoings again? Phones? Food bills? Anything spent on extras like a drink or takeaways?
Otherwise, do you claim everything you are entitled to?
Could you or he get a part time job at night?
I wish I could suggest something more useful.

WindyWednesday Fri 10-Aug-18 21:36:02

Sort out th debt. If she’s passed away, you surely can’t be responsible.

Purplecrocsrock Fri 10-Aug-18 21:39:06

875 rent
135 council tax
Energy 92
Water 34
Wifi 20
Phone 20 his 22
Nappies 12
Wipes 6
Gym 35 (DH adamant he cant cancel this)
Car insurance 245
Then food

Etymology23 Fri 10-Aug-18 21:39:53

£40pcm extra is £480 per year more! Can that be negotiated down?

I would consider doing a statement of accounts on debt free wannabe in the money saving expert forum. They can comb through outgoings and provide really useful advice.

RB68 Fri 10-Aug-18 21:40:14

Its in her name not her Mums

Purplecrocsrock Fri 10-Aug-18 21:40:45

Sorry DD is 16 months don't know where the 14 came from

Etymology23 Fri 10-Aug-18 21:40:48

That car insurance is bonkers! Nearly £3k a year. What’s the car? Or is one of you a very new driver?

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