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I feel like I need an adult to just tell me what to do

10 replies

househelpneeded24 · 11/04/2024 13:22

But I'm in my 40s and I AM the adult apparently.

My life is falling down on me and embarrassingly I feel totally unable to control it. If I were someone else in my shoes I'd know exactly what to say, why on earth am I so stuck?!

I have received a section 21 on my house. I only work p/t due to childcare and there's no way I can find another private rental on my salary. Prices have increased massively compared to what we've been paying. And we're already rural in a cheap but nice area.

My OH is driving me mad and I'm not sure that I even want to move on to somewhere else with him but then that gives me really zero options other than to live with my elderly mum who's health is declining. I think the extra noise of 2 small children will drive her mad. Plus there really isn't enough room for us all.

The other option is to wait to be rehoused by the council but this terrifies me. The thought of bailiffs coming and then being placed somewhere potentially far away for an unknown length of time is giving me palpitations.

Our finances are on the floor although I'm making inroads to pay stuff off. I used to be self sufficient and earning a decent wage. Then my OH (and my kids) came along and it all went to shit. Job losses and health issues (on his side) have ruined us along with some shit decisions he's made. If it can go wrong it will is basically how the last few years have panned out. My credit rating just laughs at me now when I look at it. I thought I had more time to fix all this while living here just about affordably but nope.

I know that sometimes you have to hit rock bottom to get back up but Christ, I'm so stressed that I'm literally rocking in my chair whilst attempting to work.

Any virtual glasses of wine are welcome. I've not had a drink for a fortnight but I think it's maybe needed today! I kind of wish I still smoked just for the thrill of standing outside looking moody and thoughtful. Its not the same with a cup of tea.

Please try to be nice, I'm on the edge. I know others have it way worse than me but panic is rising fast.

OP posts:
Pantaloons99 · 11/04/2024 13:28

Is he your husband? If you, he or the kids have extra issues like a disability, health conditions, it might make getting a council place easier.
I really think life would be so much less stressful if you had the security of a council property. It's not about the rent ( I pay quite a lot). It's security which means everything.
I had to lose a bit of dignity so to speak. My health is severely impaired but I never imagined I'd end up airing my dirty laundry, crying on a housing officer when I needed somewhere to go.
Can you speak with housing at length and get an idea of likelihood you'll be able to get somewhere ( long term) with them. I understand you might be put in a hotel or something awful temporarily. If you have decent income or savings they'll push you to private rent.

You'd possibly stand a better chance on your own without your OH, but that might be another thread.

MeMyCatsAndMyBooks · 11/04/2024 13:28

As you have children you'll be a priority and they should house you temporarily near by you live as children need to go to school etc.

Get on the housing list if you haven't already.

househelpneeded24 · 11/04/2024 13:39

Thank you both, it's so nice to hear from you judgement free. When I've mentioned it to people IRL they just ask why I don't just look for a new house. Ha! My friends are all home owners with lovely stable lives and equity and shit. I couldn't be more envious of them right now.

We've started the ball rolling with getting on the list so that's underway. There are tonnes of new builds going up around us at the moment (a couple of months ago I was up in arms about this!), but I know there will be so many people way ahead of us waiting for the small amount allocated to SH so I daren't get my hopes up. There are some really dodgy areas quite close to us so I imagine we're more likely to be there but the thought of being somewhere that can't just be taken away overrides my worries on that. It's the getting to that point part that scares me.

And I really hate bailiffs. I really don't want to see one again.

OP posts:
Pantaloons99 · 11/04/2024 13:45

househelpneeded24 · 11/04/2024 13:39

Thank you both, it's so nice to hear from you judgement free. When I've mentioned it to people IRL they just ask why I don't just look for a new house. Ha! My friends are all home owners with lovely stable lives and equity and shit. I couldn't be more envious of them right now.

We've started the ball rolling with getting on the list so that's underway. There are tonnes of new builds going up around us at the moment (a couple of months ago I was up in arms about this!), but I know there will be so many people way ahead of us waiting for the small amount allocated to SH so I daren't get my hopes up. There are some really dodgy areas quite close to us so I imagine we're more likely to be there but the thought of being somewhere that can't just be taken away overrides my worries on that. It's the getting to that point part that scares me.

And I really hate bailiffs. I really don't want to see one again.

I went to a good school, had a very good career etc and all my friends were the same. My health turned very badly and everything changed. Anyone who would judge just hasn't been there.
Sounds like you might get put on a bidding system which is good. But you may not have very many ' points' so could wait a while. If you have anything at all that could improve your situation - even a trip to the GP about the impact this is all having on your MH could be used to support your priority allocation.

I think most people in this age are sympathetic when they see bailiffs. People can relate to this situation so much more in the current economic climate. It might be worth a little 'indignity' to get what you need.

HappiestSleeping · 11/04/2024 13:49

Life is a very unpredictable thing. While we make our own choices to get us to where we are in life, it doesn't always go as we expect it to. It is very easy to look back with the benefit of hindsight and wish different choices had been made.

I am there myself in some ways. Life looked so good not long ago, then job changes haven't worked out, health, either mine or other half, has been difficult, and life has changed on a halfpenny.

I am a list fan. Write a list of all the things you know you need to accomplish, and then separate that list into things you can influence, and things you can't. Start working on the parts you can influence, even if it won't bring instant results, it will make you feel a little less out of control.

Big hug from us, and good luck.

Itsnotallaboutyoulikeyouthink · 11/04/2024 13:53

You need to get social housing so you’re going to have to go through the process. Yes it’s scary but you can prep for this. Get your stuff packed up, put in storage or stored at your mums. It will be worth it in the end. I wouldn’t take the partner with me tbh unless he’s the father of your children. In fact I’d get rid now as it may make your more of a priority. Single mum with kids. Harsh yes but you need to get on survival mode.

househelpneeded24 · 11/04/2024 15:27

Thank you everyone! You've all been so supportive. OH is off to get me a bottle of wine (£3.99 aldi so as not to break the bank) and I'll spend the night getting all paperwork in order and planning as much as I can.

Yes to lists. I had Mrs hinches book of lists a while back, I may have to repurchase it as it really helped me out previously. My mind is prone to freezing when stressed. Having things written down feels like one less thing to think about.

If the bailiffs really do have to come I want to be prepared. I have a couple of months to go yet but I can see a few trips to the tip coming up and sticking what I can on vinted so we're in a position to just shove some stuff in the car and leave a clean house. I'm hoping to avoid the inevitable court case etc but I get that we can't get help until we've mortified ourselves in the process 🤦‍♀️

My dad always said to marry rich and I laughed at him and ignored it. He was bloody right though wasn't he 😂

OP posts:
Rustygecko · 26/09/2024 02:10

Go and see social services asap

CampfireZen · 26/09/2024 02:28

Nothing practical to add, OP, just wanted to wish you far easier times ahead.

Rustygecko · 28/09/2024 19:35

I’m so sorry to hear about what you’re going through. It sounds like a really difficult and overwhelming situation, and it’s no wonder you’re feeling stuck. You’re juggling so much—housing instability, financial strain, relationship issues, and your own sense of self-worth. When it feels like everything is happening at once, it’s incredibly tough to know what to prioritize or how to move forward.

Here’s some advice that might help, but remember, it’s okay to take things one step at a time. You don’t have to have all the answers immediately.

  1. Housing & Section 21
•	Reach out for housing support: While a Section 21 notice can feel terrifying, you’re entitled to legal advice and support. Many charities and organizations, such as Shelter, can help you understand your rights and guide you through the process. They can also help you connect with your local council’s housing department, which may offer emergency housing support before things reach the bailiff stage.

•	Council housing waitlists: It might not feel ideal, but registering with your local council for housing could open up options. In many cases, they will do everything possible to prevent people from becoming homeless, especially when children are involved.

•	Negotiating with your landlord: While this isn’t always an option, you might try negotiating for more time if you explain your situation. It could give you some breathing room to plan your next steps.
  1. Your Relationship
•	Clarity on your partner: It sounds like you’re feeling unsure about whether your partner is someone you want to continue with, and that’s something to explore. It might help to have a calm, honest conversation with him, if possible, about how you’re feeling and where the relationship stands. If you’re unsure about moving forward together, now is a good time to consider what you need—emotionally, financially, and practically.

•	Support network: If you’re not comfortable relying on your partner, maybe there are other people in your life you can turn to, even temporarily. It’s okay to lean on your mum if necessary, but you’re right to consider how it could affect her, too. Open communication with her about whether this is really an option, and for how long, might help ease some of the uncertainty.
  1. Financial Management
•	Tackling finances one step at a time: It’s great that you’re making progress on paying off debts, but don’t be too hard on yourself. The fact that you’re facing everything despite everything going on is admirable. Maybe a visit to a debt charity like StepChange or Citizens Advice could help you explore ways to manage or even reduce your debt further. They offer free advice and may be able to help you come up with a long-term plan that feels less overwhelming.

•	Benefits check: Make sure you’re getting all the benefits or financial support you’re entitled to, especially if your partner has health issues and if you’re working part-time due to childcare responsibilities.
  1. Taking Care of You
•	Give yourself permission to feel: This is a lot, and you’re entitled to feel stressed, overwhelmed, and even angry. It’s not about comparing your situation to others—your struggles are real and valid.

•	Stress relief: Even when things feel like they’re spinning out of control, finding small ways to take care of yourself, even briefly, can make a big difference. Whether that’s taking a walk, having a cup of tea, or even just venting (which you’re doing now!), those little moments matter.

•	Talk to someone: If you can, find a friend, family member, or counselor to talk to about your stress and anxiety. Mental health support is essential, especially when you’re feeling on the edge. There are also free mental health support lines if talking to someone outside your immediate circle would be easier.
  1. Moving Forward
•	One step at a time: When everything feels overwhelming, it’s okay to focus on just one thing. Maybe today it’s just finding out what your next legal step is with the Section 21. Tomorrow, it might be talking to your mum or considering your relationship. You don’t need to solve everything at once.

•	Virtual wine & moodiness: Absolutely, a glass of virtual wine (or a real one if you decide to) can be part of how you unwind tonight. You deserve a moment to just breathe and take stock of everything. And if you feel like looking moody outside with a cup of tea—go for it. Small moments like that can be a way of reclaiming control, even if it’s in a symbolic way.

It sounds like you’re incredibly strong, even though you may not feel like it right now. You’re facing so many challenges head-on, and that takes courage. You will get through this. It may not feel like it now, but step by step, you’ll find your way forward. Be kind to yourself along the way.

And here’s a virtual glass of wine—cheers to your resilience!

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