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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Am I being unreasonable to think I wouldn't be able to afford house on my own?

10 replies

youngmum2000 · 03/04/2024 23:10

Lots of reasons that I don't feel like explaining right now have led me to want to leave my boyfriend. We have a baby together and I don't think I could afford to support myself and my son on my own? I'm a student nurse , we currently live in a rented house £800 per month rent. I get roughly £1600 per month in student loans and bursaries, this would be a break down of my bills:
-800 rent
-150 gas and electric
-200 car
-150 car insurance
-110 nursery
-320 food and toiletries
-200 fuel

I just don't know where to go from here :( I clearly can't afford it by myself , me wnd my son have moved back with my parents before but it didn't work because we were in the box room and had to share the single bed and he just wouldn't sleep. I'm just at a complete loss and feel so alone and scared and confused. I need help and guidance please

OP posts:
toomuchfaff · 03/04/2024 23:25

Would 50 50 custody help? Likely?
Can childcare be reduced if it's not just your responsibility? His too?
Maintenance payments likely?
Cheaper rent anywhere?
Cheaper car?
Cheaper car insurance?
Lodger?
Any other family with room?
Any friends you could lodge with?

Citizens Advice?

Mybusyday · 03/04/2024 23:27

Have you looked to see if you could get any Universal Credit? Also you should be getting child benefit too

youngmum2000 · 03/04/2024 23:31

toomuchfaff · 03/04/2024 23:25

Would 50 50 custody help? Likely?
Can childcare be reduced if it's not just your responsibility? His too?
Maintenance payments likely?
Cheaper rent anywhere?
Cheaper car?
Cheaper car insurance?
Lodger?
Any other family with room?
Any friends you could lodge with?

Citizens Advice?

Our son would still have to go nursery for 3 days due to my studying commitments and his dad works full time. I doubt I'd get any maintenance as when we split before I didn't get anything. Rent is all around £800 a month here if not more and social housing is impossible to get. I guess I could look at a cheaper car but I'm tied into the payments for the next year I think. No other family with room other than my parent's spare room. Just feel at an absolute loss and cross roads in my life 😢

OP posts:
youngmum2000 · 03/04/2024 23:31

Mybusyday · 03/04/2024 23:27

Have you looked to see if you could get any Universal Credit? Also you should be getting child benefit too

I don't think students are entitled to universal credit. I'm not sure though

OP posts:
Mybusyday · 03/04/2024 23:35

@youngmum2000 - ah ok just a thought as I'm not sure how it all works. I would definitely look into child maintenance though even if it is just a few quid a month - Citizens advice would be my first point of call. Sorry you are going through this btw I hope you can get something sorted

maddening · 03/04/2024 23:36

Bunk beds with ds at your parents? Not ideal but just till you finish studying

toomuchfaff · 03/04/2024 23:36

I split from my sons dad when he was one and I was a student but wasn't saddled with extortionate rent and had parents helping with childcare, can anyone else do your childcare?

Does the place you're studying have any help for parents? Subsidised childcare or additional bursary?

Am not suggesting 2nd jobs as you'd already have enough to do with study and child... hard enough already.

QueenOfTheEntireFuckingUniverse · 03/04/2024 23:38

Government website seems to think you can claim UC @youngmum2000 but the online calculators won't let you use them if your a student.

If your ex works he should pay maintenance.

CAB might be able to help.

Am I being unreasonable to think I wouldn't be able to afford house on my own?
Ofmince · 03/04/2024 23:44

How much longer until you qualify?

I would ask your uni if there is any help available. One of my course mates was made homeless when I was doing my nursing course, and uni put her up in emergency accommodation. Hopefully they will be able to offer some help.

Failing that, I would say moving back in with your parents, at least in the short term, is the answer.

When you do qualify, will you be able to move somewhere within walking distance/public transport of work, family etc and get rid of the car?

CraftyBum · 04/04/2024 09:25

The obvious solution seems to be to find a way to make it work at your parents for now. Bunk beds as PP suggested, a toddler bed/cot next to the current bed. Even a blow up bed on the floor for now.

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