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Divorce/separation

Here you'll find divorce help and support from other Mners. For legal advice, you may find Advice Now guides useful.

Wife wants to separate - money, house, sex issues

28 replies

tvaustin · 27/05/2019 16:14

Im 37 year old man and my wife is 35. We have been together for 19 years and were our 1st sexual partners. We have been married for 14 years. We have 3 boys - 12, 10 and 3.

This week she has told me she wants us to separate and there is no changing her mind. I honestly thought we would be together forever. There is nobody else involved she just said she loves me as a best friend but is not in love with me in a sexual way. Our sex life has been poor since we bought our house 15 years ago. We were only having sex about 5 times a year and last time was about 6 months ago. I am not well endowed and it just always seemed a chore for her. We tried sex toys which helped a little but did not improve the frequency of sex.

She has said she doesn't find me attractive anymore and I know I am no looker. Our marriage breakdown was due to a number of reasons but mainly money. We are constantly in debt and owe about £20000 on credit cards at the minute despite remorgaging time and time again. I would do all possible overtime at work to help but neglected my family. I would rarely go out with them due to me being at work.

As I have said it's too late now and we will separate. I have had suicidal thoughts but plan on going to doctors this week. I have always thought I was punching above my weight as my wife is very beautiful and one hold up I have is her moving on and getting another man and them having sex everyday and her thinking why didn't I do this sooner! She has said while the kids are at home she is not interested in another man and will not entertain getting with one till kids move out. I just said who knows how u will feel.

As I said I am no looker and not well endowed. When I was at school I only had 1 girlfriend as nobody was interested in me and I used to sit in my bedroom every night till I was 17 all alone as all my friends had girlfriends. I moved to my wife's home town and through my own fault don't have any friends and I can just imagine me in the future just sitting in a 1 bedroom place crying every night.

My wife has said I can see the kids before/after school whenever I want, have tea round there, go on holiday with her and kids etc but I am just scared for the future and my insecurities.

As mentioned we owe £20000 and wife has said she will help pay it off. It will all be paid of next year as my workplace is closing and I am due £20000 redundancy money. Our house value is £130000 and we owe £116000 so once sold we will be left with little due to fees etc.

Does anybody know where both of us stand regarding rehousing? We plan to ring shelter up this week.

OP posts:
tvaustin · 01/06/2019 12:51

What a rollercoaster few days. Wednesday was a good day. We all went over to the woods, played football, got ice cream. Laughter - it was a really good family day with wife and kids.

Last few days I have struggled. Had suicidal thoughts. Still only getting 3-4 hours sleep a night. With the hot weather wife has been wearing more revealing clothes (not on purpose, purely because of the weather) and she looks amazing - and I still can't get the thought out of my head of her with another man - every detail of sex ( undressing, foreplay, sex and then more sex) going on family breaks, going on dates etc.

Looked into benefits for her and was shocked at what she will get. According to the calculator she would get £2600 a month ( income, csa, working tax credit, tax credit, housing benefit, child benefit etc). She doesn't want to go down the private rent route due to possibility of being kicked out at x amount of time.

As I mentioned before, we have constantly been in debt and remortgage after remortgage. The last time we remortgage was when our house was worth £130000 and mortgage was for £120000. We now owe £116000 so is it right that because of all the other remortgage, our current one we have paid off £4000 so if I were to buy her out it would only be £2000? What about the extra £10000 in value?

Regarding transferring mortgage into my name, the mortgage company need to make sure I can afford it. Is me having £475 a month left for food and petrol enough? If I can't transfer into my name will having the mortgage in joint names effect my wife going on the council list?

Next few days are going to be hard due to wife and kids going out with her friend and her kids so will be alone. Went to the gym this morning and just was not into it.

OP posts:
irnbruforlife · 01/06/2019 13:16

Id agree that ypu need to try and stay in your house. Also hope that any redundancy comes after a divorce. This prob wont be popular on mn but is there any chance the eldest child would want to live with you on a full time basis? At 12 they would have s say in what they want. That way you would be entitled to single parent benefits and could pay for a childminder when you are at work.

Redred2429 · 04/06/2019 18:42

If she is on the mortgage she will not be entitled to a council property as the council will advise she has a home ! Have you tried the gym classes op sometimes it takes your mind of things more than the gym itself

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