Hi,
Hoping to keep this brief and to the point, so here goes..
Have recently split up from my partner; it’s not that I don’t love him and think he is a good person but he has developed addiction issues to pain medication and it has taken over our lives. Financially and emotionally the burden has been enormous and I have 2 small children to consider as well.
We rent and claim housing benefit and I claim working and child tax credits. These are joint claims but I am the only one who works so all the earnings are from me. My wages and benefits get paid into his bank account because I don’t have one and have had one for a couple of years.
I’m just feeling really nervous about the whole financial side of things; I’m worried about how I will get by - even though I’m the sole earner I think my tax credit and housing benefit money is higher with a family than it will be if I am a single parent. I’m also worried because I had a call this afternoon from a lady from the council sounding confused because I had put my ex partners bank details down to make the payment to - I have no way of sorting my own bank account until I get photo ID which I need to get posted.
I’m worried because I live in temporary accommodation that they’ll think I’m changing my circumstances to get a council house. I have evidence of both his addiction and if ever needed I have many discussions and ultimatums over messages.
Ultimately what it comes down to is nervousness about stability once everything is officially separated. All I want to do is stand on my own two feet and it have the huge dark cloud of his addiction hanging over me and the kids. He doesn’t work so I am worried about him, but he has friends who can put him up and I do worry that current circumstances are just enabling him anyway.
I don’t really know what I’m asking.. just reassurance that we aren’t going to be completely underwater once I’m on my own. I have 2 small children that aren’t in school yet and I have so so much to sort out. I need to explain to work that I’m single. It’s going to be horrible.