Advice needed Just decided to split after 12 years together

[devonsmummy]

Have x2 dc's 5 & 2
Mortgaged upto eyeballs , me a stay at home mum, no savings, no family
He's gonna move out
What the hell do I do?
How are me & kids gonna survive on nothing?

You need legal advice and you need advice from CAB re benefits, tax credits etc.

YOU WILL BE FINE but you do need to sort out the financial side of things asap.

You will be entitled to income support, some tax credits and housing benefit plus your partner will have to pay maintance. It should be just about enough to live on depending on how much your outgoings are etc.

Goodluck I can imagine you are feeling pretty scared at the moment so have a and as well

Just done the online benefits calc and doesn't look impossible to live on if i get some housing benefit too, am i entitled to it, as have mortgage?

AFAIK you won't get housing benefit but can apply for help to cover the interest on the mortgage after 6 months. Will your partner continue paying the mortgage? Will you get child support?

I am not sure about housing benefit - it is possible to look at if you are eligable or not online. Is there a possibility of you working part-time? You would get childcare subsidised by tax credits.

Don't panic, one step at a time, start with the most important to you, break it down into smaller steps and as long as you and kids are together the rest is just wrapping!

You have my sympathy my OH has decided he wants to move out after 13 and a half years too, god know how we're going to survive but I'm trying to be strong for the kids

If the mortgage is in joint names department of working pensions will pay your half of the interest on your mortgage. They will start to pay this once you have been on income support for 13 weeks. I know this as Im in the same position. If you need to know anymore just ask.
Good luck with it all Im sure you will manage just fine.

You can get - child benefit (which you probably have already)

• tax credits
• income support (as long as you don't have savings over a certain amount)
• help with the mortgage interest after a period of time
• child support either via your ex voluntarily paying you, or via the CSA collecting it for you. For two DCs it should be 20% of his net income.

If the mortgage interest help isn't sufficient, you can talk to the bank to see if they'll make the mortgage over a longer period to reduce the monthly payments, or make it an interest only mortgage.