I would look at the very cheapest rental place. Even a studio flat for a year. If you are very early on in your pregnancy I would act like it is just you and your partner moving in
That way you have the smallest outgoings on rent, gas and electric (paying for a studio flat is going to cost less than a 2 or 3 bed house) insurance council tax etc
I would also look at Entitledto website and put in address and figures based on a studio flat that is up on Rightmove to get an idea what benefits you would be entitled to if you hypothetically moved there
I think you need to look at your partners and your credit file. His mother’s debts shouldn’t be affecting his credit score
I would sit down with your partner and go through both of your bank statements credit card statements etc and look at where your money is going.
This will tell you your monthly income and also your monthly outgoings
I would put down columns of where your outgoings are going
I.e bills that you have to pay (wherever you live)
Food shopping
Eating out/takeaways/lunches etc
Car expenses
Parking/public transport/tolls.etc
One offs like birthday presents etc
personal spending etc
look at each section and see if you can reduce or even illiminate any expenses but be careful that if you illiminate one expense that other expenses don’t rise by more than the cost you have illiminated
Food is where I think most people can save if organised more
Going vegetarian is something to consider or having a few vegetarian meals each week
If the bills are not in yours or your partners name I would not pay anything more to them and I would also remove either of your names off any bills which are in either of your names and transfer them back to his mothers name as she is moving back in.
Save any money these bills would have paid and put that towards your rental deposit
I would also look at selling clothes or anything you can to raise the balance of the deposit or the first months rent.