I have 2 kids with my DP and we have been together a long time (17 year)- he’s older than me in that I am mid 40s and he’s mid 50s. When we first got together, we saved for a house but were never able to buy one due to prices rising faster than we could save.
Then he lost his job & all our savings went. And we now find ourselves renting which obviously isn’t unusual but i am tired of it.
I am fairly sensible with money- I have a good pension plan, life insurance for the kids and a big death in service payment from my work. Saving is hard as rent is high but I am trying to make some provision for my kids to my best ability. I earn 40k.
He has nothing and has done nothing to give me any security should anything happen to him. He is a worker & works hard but in terms of bigger financial security for his family, we just end up arguing as he’s useless.
Things are pretty bad generally in the relationship- I think really I am only still here because it would devastate my kids but I want some security.
My Dad has given me 15k as a house deposit but I can’t borrow enough on my own and DP can’t get a mortgage cos of his age.
I just feel so depressed about it all- all my friends are sorted in houses with more security and yet I feel stuck in this insecure life with only the prospect of it getting worse.
Aibu to want financial security for me & my kids? I just don’t know what to do.