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Lone parents

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Original poster

Can I just leave the house?

10 replies

erin34 · 26/02/2012 14:08

I've struggled like mad to keep the house for the last 2 1/1 years since becoming single. Got 2 kids, own the house jointly with ex but I can't afford half mortgage plus bills anymore. I was thinking of cancelling all bills save the mortgage and moving to my mums. Then the housse could be sold. If I live with my mum she says we can pay half each of all the bills and she has no mortgage left to pay, so I would be better off. Has anyone done this, does it sound mad?? I don't know what else to do, it's so stressful, I just want to crawl away and die sometimes.

OP posts:
toucancancan · 26/02/2012 15:55

Bumping for you

Original poster
erin34 · 26/02/2012 15:56

Bumping?

OP posts:
catsareevil · 26/02/2012 15:57

Can you speak to your ex and get the house on the market?
Does your mum have enough space in her house for you + kids?

susiedaisy · 26/02/2012 15:59

Could you rent the house for now? Sorry don't have much advice, maybe book an app with Cab or have a half hour free app with a solicitor and take advice,

purpleroses · 26/02/2012 18:38

Doesn't sound the worst plan in the world. If things don't work out with your mum, if you can at least stay there for long enough to get the house sold so you'd then have enough money for a deposit on somewhere new to rent for you and the DCs. And if you get on well with your mum it could be great for you all.

cestlavielife · 27/02/2012 10:49

are you maried or not?
does ex agree to sell the house?
how will you divide the equity?

there are some legalities to think about first

MsF1t · 27/02/2012 10:51

forums.moneysavingexpert.com/

Let it out?

Happylander · 27/02/2012 12:49

Can you get a lodger? I have had to do that so I can keep my house and it is working out fine. I am a lot less stressed and it is actually rather nice to have the odd adult conversation in the evening.

purpleroses · 27/02/2012 14:22

Would second happylander's suggestion - I had one for two years and it was fine. Moved DS up to the loft to make space. Good money and tax free if it's under around £5000 a year.

fallenpetal · 28/02/2012 15:53

If there is room and you get on well enough Id say do it - its not worth the stress. Get back on your feet and you can save up to either start again or rent if you want too.

Renting the house out for a bit might be a good idea too, but remember you will need to pay tax on it so you need to be sure of getting enough to pay that and the mortgage. Id suggest going to a decent agency so you dont have to worry about all that, live with your mum for a while till you are sorted knowing you have a house to go back too.

What ever is the best for you do it, living so stressed is not good for you or the children x

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