Anyone willing to have ideas bounced off them?
I haven't left yet, but I'm close to it. It'll be initiated by me, no abuse or infidelity. 2DC (one of each sex, early secondary / late primary).
My take home pay is about 3.3k pcm (full time). (D)H's is about 1k pcm (part time, having been SAHP until recently). He works a lot less hours than the kids are in school; his potential income isn't massively far off mine. We have rental income of approx £800 pcm.
We live in a big house in an expensive part of the country. We have near enough 1m equity. Monthly bills (inc mortgage) are about £1k.
I could rent a 2/3 bed flat or house locally for about £1500 pcm. I'd want 50/50 with kids, but if we negotiated 5 in 14 I'd probably not think it worth the fight. Don't think I'd accept less than 5 in 14 without fighting.
Long term, we can sell the house and argue about primary carer / disparate incomes. That's for the long term. Money won't be as free flowing as it is now, but won't be terrible.
But what about the short term? I don't hugely want to burn through all our savings, but there's no point in cutting back more than we need to. I'm thinking:
I move out into 2/3 bed flat/house, using my salary to pay for it. That'll give me about £1800 pcm to spend on bills and food and childcare and whatever else.
(D)H stays in marital home, keeps rental income and his salary and child benefit. That gives him about £1000 after the bills are paid.
I'm assuming that my household bills (after rent) will be less than £800, but I'll have childcare to pay for.
What do you think? Is this a sensible
starting point?