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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Life feels unfair as a single parent

94 replies

stuck24 · 14/05/2024 02:59

I know I AIBU and it's just the way it works but I'm just so fed up of life.

I have a mortgage and I desperately want to move house.

I'm a single parent, with a child in nursery.

The mortgage I got before baby. I'm in a professional job (think teacher etc.), but I haven't been in the job too many years so still a fair way to progress up the pay scale. But my salary has increase by almost £10,000 since I got my mortgage 2 years ago.

I get topped up a little with UC and most of my childcare costs are covered which is a godsend.

As I said I am desperate to move, my house is in not the best area, but it was all I could afford at the time I bought and I thought I was better to get on the ladder and move as my pay went up etc.

I've had issues with my car being keyed, and with neighbours a few doors up who have the police out constantly. There was a rental property with a cannabis grow in it slightly further down. In short I don't feel safe here on my own with a baby.

To get to a slightly better area I am not needing to borrow a huge amount more. 30-40k would help massively and I could get a small 2 bed fixer-upper in a better area.

After having a chat with several mortgage advisors it looks like it's going to be very difficult for me to move due to the childcare costs significantly affecting my affordability.

If it weren't for these, I'd be able to borrow more than enough to move to where I need to, it's just these that are holding me back and actually make my affordability less than when I took out my current mortgage.

The lender I'm with accepts UC as income but for some reason it just doesn't cancel it out.

It looks like I am stuck here, meanwhile my ex wouldn't be facing the same issue if he were trying to get a mortgage as he has no childcare costs because of course he only sees his child on weekends...

I just feel disproportionately affected as a woman... again... it's mostly us that are single parents and do main childcare responsibilities isn't it?

Incase it's relevant I'm not talking huge amounts of money either as I live in the North and in a cheaper area. There is a decent amount of equity in my house too.

OP posts:
littlestarlittlemoon · 14/05/2024 12:29

As a fellow single parent I hear you.
I chose to be a single parent, (I adopted) but fuck me I had no idea how toxic our culture is towards single mothers and therefore their children until I became one myself.
I don't qualify for benefits apart from CB, or get any other funding etc, which is fine I knew that was the case before I adopted, but I now am facing the stark reality of the lack of all the other support systems children especially need to rely on.
It's my child who is ultimately suffering the cost of childcare/lack of provision via NHS/scarcity of nursery places/under-funded schools. Etc etc.
I'll be long in my grave while DC is still dealing with the consequences of a hindered start, and the state is absolutely not there to rely on as a safety net/equaliser in a way it was when I was young.

Op - do you have parents who could lend you the money or remortgage to lend it to you? think it would need to be a gift - but obviously you can pay them back under the table.
It's such a small amount in the scheme of things and it would be great to move to somewhere in time for primary school applications.

CrispieCake · 14/05/2024 12:25

stuck24 · 14/05/2024 09:55

I think it's because it's mostly men that make the laws.

Being a single mother now I see how society does seem to hate us.

You're the one who has stuck around to do the work. Without you, your child would have no home and precious little love.

You're a trooper. Tell them to fuck off with their judgement.

CrispieCake · 14/05/2024 12:23

Hereyoume · 14/05/2024 08:40

You didn't have to have children.

You made a choice which came with significant costs. It isn't unfair. You made the choice.

So did the ex and he's managed to weasel out of the 'significant costs'.

OP, I'm sorry - you're right, it's shit. Women are used in this world and we put up with it because otherwise the people we love and care about would suffer.

Kpo58 · 14/05/2024 12:10

Truetoself · 14/05/2024 06:26

Why don't you work out a childcare arrangement that works better for you financially? All costs related to the child should be split.......

This is exactly the reason why childcare should be properly subsided for everyone. In many instances the ex partner cannot or won't pay for 50% of the childcare. Instead of doing something proactive about it, the government prefer that women are stuck in poverty because they cannot afford to work with young children.

Daisy12Maisie · 14/05/2024 10:23

It's much, much harder being a single parent. I'm struggling to pay for a residential course and a maths and English tutor to help my 15 year old get to the standard he needs for his dream career. Whether he will make it or not I don't know but it's me paying for all the things that will hopefully help him. His dad on the other hand pays minimum maintenance and is going to Hawaii this year.
But the kids can see who has done what for them. My teenagers openly talk about dad being stingy. That has definitely not been said by me! They know what I have done for them. My elder one has left home now and he keeps in touch with his dad but ultimately it's me he comes home to see.
So... it's massively unfair and you are massively impacted but you do get out what you put in with the kids. You will get there with the house even if it takes a bit longer. Definitely shop around with mortgage advisors. Things change very quickly so a definite no one month could soon be a yes.

crackofdoom · 14/05/2024 09:58

If we become a hated, "othered" group- as we are- then there will be less societal pressure to change things to give us the support we need. Which suits the status quo just fine 😡

stuck24 · 14/05/2024 09:55

crackofdoom · 14/05/2024 09:51

You've put your finger on the essential unfairness there warshiprocinante. There should be a way to force men like this to pay half, but the people who make the laws don't care enough about women. And this is why it hurts.

I think it's because it's mostly men that make the laws.

Being a single mother now I see how society does seem to hate us.

OP posts:
crackofdoom · 14/05/2024 09:51

You've put your finger on the essential unfairness there warshiprocinante. There should be a way to force men like this to pay half, but the people who make the laws don't care enough about women. And this is why it hurts.

WarshipRocinante · 14/05/2024 09:45

Truetoself · 14/05/2024 06:26

Why don't you work out a childcare arrangement that works better for you financially? All costs related to the child should be split.......

And how do you suggest getting a man to pay half? When he decides he doesn’t want to and it’s your job to sort it?

stuck24 · 14/05/2024 09:43

AmberOtter · 14/05/2024 09:39

How can she essentially force him to pay more bloody hell stupid comment 🙄

OP I feel for you, this sucks! Childcare cost will decrease when DC goes to school hopefully? Depending if you work term time as then you would have to factor in holiday clubs etc.

how old is DC?

DC is only 18 months so a long way to go.

I've been told I could sell up and just port my existing mortgage and buy a property elsewhere of the same price.

However I just feel like this is pointless and a bit of a gamble as I wouldn't be able to afford anything out of this area, I could move and have lovely neighbours or I could have worse.

If I'm going to go to the effort of moving I want somewhere I can stay long term and feel safe with my little one.

OP posts:
Cactuslove · 14/05/2024 09:41

I don't have any advice or solutions because I get it. And ultimately it is unfair. I've had to make my peace with it because it makes me so angry and bitter otherwise. I am just keeping everything crossed that things will come good in the end. I just have to keep chipping away one day at a time.

AmberOtter · 14/05/2024 09:39

How can she essentially force him to pay more bloody hell stupid comment 🙄

OP I feel for you, this sucks! Childcare cost will decrease when DC goes to school hopefully? Depending if you work term time as then you would have to factor in holiday clubs etc.

how old is DC?

Miracleasap · 14/05/2024 09:32

Truetoself · 14/05/2024 06:26

Why don't you work out a childcare arrangement that works better for you financially? All costs related to the child should be split.......

Do you honestly think OP has not thought of that idea??

Toomanysquishmallows · 14/05/2024 09:31

its really tough being a single parent, my ex completely abandoned dd1 when she was 5 , and barely saw her before that . We were really poor , whilst he was jetting off the America with my new partner and child .

DrCoconut · 14/05/2024 09:27

Absolutely @Willyoujustbequiet I had my kids with my now ex husband believing that we were going to raise them together. He had other ideas and I now have them 100% of the time as a lone parent. My work hours are limited due to a lack of suitable childcare and while I'm not starving, money is tight. I didn't choose this path and I'm trying to make the best of it.

stuck24 · 14/05/2024 09:23

aCatCalledFawkes · 14/05/2024 09:13

It sucks at the start and it feels like an uphill marathon. I've been doing this for 11yrs now.

A few things though. Yes your ex will be affected as they will take into consideration his child maintenance payments to you if he does apply for a mortgage.

Childcare doesn't go on forever, my kids are 13&17yrs old and I've been shot of expensive childcare since COVID. I'm now in a position where the kids are more self sufficient and I can concentrate on my career, I stopped qualifying for tax credits three years ago with another step up. We now take much nicer holidays. I would potentially like to buy another house but moving costs are so expensive I have concentrated on doing up my house and making the most of it. It's unfortunate that you are in the most expensive part of bringing up children, and this also happens with married couples but it will get better and it's more like "when" you move if not now.

His child maintenance payment is not much, as he is self employed. So I doubt it would affect him as much as the £1000+ a month in childcare costs which are deemed to be my sole responsibility so I can work and put a roof over my child's head.

OP posts:
User79853257976 · 14/05/2024 09:21

Is your ex paying you child support? He should be contributing to the childcare. It’s not fair.

User79853257976 · 14/05/2024 09:20

Is your ex paying you child support? He should be contributing to the childcare. It’s not fair.

crackofdoom · 14/05/2024 09:18

Truetoself · 14/05/2024 06:26

Why don't you work out a childcare arrangement that works better for you financially? All costs related to the child should be split.......

Well, that does rather assume that her ex will agree to that. Which he probably won't, because he's enjoying the single life while OP is being grossly disadvantaged doing all the grunt work of raising his child.

Been there, done (still doing) that. No, it's not fucking fair, and resentment is my constant companion. I just hope I outlive him long enough to dance on his grave.

Candleabra · 14/05/2024 09:17

Hereyoume · 14/05/2024 08:40

You didn't have to have children.

You made a choice which came with significant costs. It isn't unfair. You made the choice.

Presumably if the OP made a choice to have children, it was made with another adult who would share the responsibility.

It’s very tough, and absolutely not fair that someone gets to walk away and pay a pittance towards the upkeep of their own child. I honestly think that a lot of men really hate women. He probably begrudges you every penny and thinks you spend it on having your nails done or something.

MovingToPlan · 14/05/2024 09:16

I used L&C for our offer, we didn't have a lot of options with our set of circumstances but we did get the amount we needed, and the lender took into account child maintenance and child benefit as household income. Don't give up all hope yet, there may be a solution.

aCatCalledFawkes · 14/05/2024 09:13

It sucks at the start and it feels like an uphill marathon. I've been doing this for 11yrs now.

A few things though. Yes your ex will be affected as they will take into consideration his child maintenance payments to you if he does apply for a mortgage.

Childcare doesn't go on forever, my kids are 13&17yrs old and I've been shot of expensive childcare since COVID. I'm now in a position where the kids are more self sufficient and I can concentrate on my career, I stopped qualifying for tax credits three years ago with another step up. We now take much nicer holidays. I would potentially like to buy another house but moving costs are so expensive I have concentrated on doing up my house and making the most of it. It's unfortunate that you are in the most expensive part of bringing up children, and this also happens with married couples but it will get better and it's more like "when" you move if not now.

stuck24 · 14/05/2024 09:11

BingoMarieHeeler · 14/05/2024 09:09

Another vote for L&C from me OP, they’re so helpful.

But no YANBU at all. What a stressful shituation.

Amazing- thank you! I'm going to get onto them this morning.

OP posts:
Viviennemary · 14/05/2024 09:09

stuck24 · 14/05/2024 06:56

Sorry to others who've been through the same.

I know I'm lucky to have a house and mortgage at all, it's just tough knowing I can't leave here.

I don't have family that can help unfortunately, they aren't well off financially or interested in helping with childcare either.

I've seen about people lying re childcare costs but I'm an honest person, I don't think I could.

Ex wouldn't have our child during the week, he doesn't even have her regularly on the weekends he's supposed to, and myself or a court can't force him as I understand it.

I've spoke to 3 brokers so far, all say the same. Issue is I think I need to stay with the same lender I've got currently and port my mortgage then add to it, so if they say no it sounds like I'm stuck.

Why can't he make a contribution to childcare costs. But perhaps that doesn't make a difference to the amount the B.S. lends. But a lot of couples on low wages can't even get on the housing ladder at all. I know that's no consolation to you. It's the cost of housing as compared to salaries and the deposit required that's the problem.

BingoMarieHeeler · 14/05/2024 09:09

Another vote for L&C from me OP, they’re so helpful.

But no YANBU at all. What a stressful shituation.