Don’t feel shit about it.
You’ve realised there is an issue and rather than burying your head in the sand, you are here asking for advice.
I know it’s scary going it alone. First time I did it I was shitting it. Now, it’s got to be a very special man who lives with me and my dc’s. So far, 5 or so years later, still not found him. Not saying I haven’t had fun trying to find him!!
You living apart doesn’t have to involve you moving back to your parents. There are lots of options out there, including him moving into a houseshare.
Local housing also have a list of ll’s who are easier to rent with and not all require a deposit. Local friend/family/colleagues/acquaintances may know of a no deposit landlord.
I’m not going to lie, the first month or 2 will be the hardest financially. But not impossible. It will be temporary whilst any financial help gets sorted. But the quicker you hand everything in, the quicker this will end.
In the meantime it’s possible to negotiate with any company that you owe money to. If you seperate, contact them and explain beforehand that you need a temporary break/reduced payment. Some will say no, but won’t do anything other than threaten legal action as long as you pay the new amount you suggested. Also put the new terms in an email and send it. Stating new amount and for how long.
If you feel overwhelmed at the thought of this, and I get it, there are places that will help for free including CAB.
You will also be surprised how people help in times of need, including those who are adamant they would never help.
One of the ways I saved a fortune on childcare was a share thing a few of us started. I’d watch yours all day Sunday, and you have mine on Wednesday for example. It meant that we didn’t have to work normal childcare hours, or simply to save costs.
Because a few of us were involved with a variety of jobs, it helped an awful lot during the school holidays. And it was normal for someone else’s kid to be on holiday with you. Obviously we paid for the costs, Travel, insurance and spends. And yes something for the adult. Still cheaper than 2 weeks paid childcare 🤣
Never mind the win of having a nice long break.