I'm looking for stories of positivity. I'm in a horrible place right now and looking to see the light at the end of the tunnel.
I'm about to lose my house due to rent arrears. My partner has been ill over the last few months and lost his job, UC have only given small part payments as his old job have been recording wages that were never received. HMRC have been no help. Every month I'm trying to pay bills but leaving lots unpaid as the money just isn't there to cover everything.
Im working p/t to fit in with school hours, my plan was to increase my hours once the kids were a bit older but I think I need to do this sooner despite a huge chunk of it will be going into after school club which won't leave me much better off than I am.
My credit score and finances are in total ruin. I have debts on debts and can't see a way out. Some are joint household and some are my own credit from years ago I've been trying to claw at. I can just about afford rent on my wage but no other bills or food let alone clothes for the kids etc (I already shop on vinted and shien for cheapness).
My relationship has been on the rocks for a long time and it's probably finally time to face that we're done. He's not that nice to me and my mental health is low. I've given up speaking to him as the slightest thing gets him shouting. We can't communicate. He is worse with money than I am.
So that leaves me about to be homeless at Christmas and penniless. I can stay at my mums with the kids but I'm dreading the thought of it. My routine will be gone and my own space will be gone. I don't even know how long it will take to get back on my feet and get a place of our own. I know how lucky I am to have that safety net but the thought of it makes me feel claustrophobic.
I know once I'm there I can make a big dip into paying back debts to leave me in a better financial situation but I feel like I'm totally out of control right now and feel awful that I couldn't protect my kids from this mess. Our current house is lovely and there's nothing else nearby for the same money or size, even if I was in a position to pay a deposit or pass a credit check.
I'm so ashamed. I've never been anywhere near this low before.