Can I join you ladies please? I'm 49 years of age and recently separated.
My husband and I separated in February this year, we had been together for 30 years and married for 26 years. We have 4 children, 2 of which are adults, 3 still living at home. He moved back in with his parents. It was me that initiated the split due to his unreasonable behaviour. We have not taken any legal advice or actions as of yet.
My husband/ex partner (not sure of correct title when still married but separated?) Earns a decent wage and is still paying the mortgage and bills for our jointly owned home which he says he is happy to do as he lives expense free with his parents and is happy with this arrangement. Also there is not enough equity in the house to each buy a property separately. I buy the food and pay for the children's activities, hobbies, clothes expenses etc.
He has a new partner who lives locally and he often stays over at her house. I also have a new partner who lives a fair distance from me but we see each other once or twice a week, neither my ex partner or myself are in a serious relationship with our new partners, we are both keen to keep things lighthearted for the time being.
My ex partner and I are very amicable and share the weekend childcare. He also pops round to see the children 3 evenings a week which they love.
I suppose I am very fortunate to be in this situation but I just feel so indebted to him. I have always worked only part time, 18 hours per week and just cannot see how I can survive at my age with my low earning potential even if I worked full time.
Also I cannot leave my youngest child at home alone at 10 years of age before and after school and during the holidays as they suffer with anxiety if they are left in the house alone.
I'm wondering if my ex believes that I'll change my mind and have him back and that is why he is being so helpful and amicable at the moment as he made it clear at the time of the split that he wanted to try and repair our marriage.
This might have been an option if I thought the problems were fixable but in reality he has tried before on a few occasions and things didn't get better they got worse and then even escalated to the point where the police and social services got involved.
I'm just so scared about how I'm going to manage financially that I'm considering taking him back as the future in terms of financial stability looks so bleak. I know that I would be doing this for the wrong reasons but I'm terrified of what the future may look like.
I worry about stupid things like how to run a car which is a necessity with my mobility issues, the car is on its last legs now but I can't afford to buy a replacement or even afford to repair it. I also worry about how to pay for white goods if one should stop working! But the even bigger issue of how I will afford to live when the children are no longer at home and he ceases to pay the mortgage etc is what really frightens me.
Have any of you been in similar situations to mine and overcome your fears. I feel so completely clueless and I'm embarrassed to say that I'm completely in the dark when it comes to managing our finances as he took care of all that and still does. I am also aware that we/he is in a lot of debt to the tune of around 40K and I have 4K debt myself!
My life feels like one big tangled up mess that I can't see anyway out of. Should I keep going as is and feel beholden to him so that my security remains all the time he is prepared to keep things as they are? Should I bite the bullet and suggest we get some legal agreement drawn up (and risk being much worse off and definitely less amicable) or should I take him back to keep my children and I financially stable? I feel in a total dilemma.
Any advice would be greatly appreciated x