AIBU to accept that I will never buy a house?

[Spanckd]

I'm 28, live in East of England, single mum to a 10 month old. Own my old house with my ex but will only get about 7k back once it is sold. I earn 24k a year (was 32 but have had to go part time as nursery fees are crippling). Been looking at houses around here that are 2 bed, ideally with garden but not essential, flats, apsrtments etc you name it. In order to have manageable mortgage payments I would have to save around 15k if not more. This will take years.

Are there any schemes for non first time buyers/people like me which can help me to buy my own home in the not so distant future?

Thanks. I think I'm just so used to being abused and told I'm worthless and will never amount to anything that it's hard to see good things happening. But I am feeling fairly positive. Just want to be realistic! I also want to be able to provide my son with a good childhood. Not necessarily holidays abroad etc. But clubs, music lessons etc. Maybe I'm dreaming!

Where's the contribution from the child's father

Stay with your dad for as long as you can . Save as much as you can even if it takes years , work as much as you can . Don’t have another baby until you buy your house or you’ll never do it .

Have you had a recent valuation of the place with your ex? I'm east / SE and recently had my place valued at £40k more than I guessed it would be.

Also £7k seems low to get back from a sale regardless. Are you getting a fair share?

Get an independent valuation for the house and don't get ripped off.

Stay with your dad as long as possible and save. Your income is not that bad and you can save. Take the money from the house and ring fence it, do not touch it no matter what.

When your childcare drops save that amount us the previous ad mount you had been saving and when you end debt repayments save that skso

Before you know you will have a deposit.

When you have the mortgage and lower childcare costs then you can thing about holidays etc but now you have to be strict with yourself.

What's better, a few years of frugal life whilst your child is young (and luckily coinciding with the park and picnic years) to have a stable home and better experiences as they grow up?

Or

A never ending circle of instability and paying rent whilst not being able to afford a deposit as rent keeps going up and you have to move when your landlord tells you, which costs you each time?

That middle paragraph should say

When your childcare drops save that amount plus the previous amount that you had been saving and when you end debt repayments save that amount also.

Can you move to a less expensive area?

U will have to weigh it up rent Vs mortgage I know I was £350 better off with a mortgage but obviously needed to stump up the initial deposit
Not sure about any schemes tho but it's worth looking into