My first post so here I go....
My partner and I live separately as we haven't been together for long but both agreed to have our baby. Now I'm wondering as I own my house im stuck with a mortgage and bills with the risk of losing it should I miss payments once baby is here. I will receive SMP mat pay but this doesn't even cover the mortgage.
My partner is on rented accommodation and sub lets the spare rooms and his rental is only £350 per month. He already has a daughter and pays above the going rate which equates to £350 a month to his ex wife.
Now if we are living separately should he pay me CSA payments of £211 a month (that plus the SMP would still not cover my mortgage) I have also saved £8k since finding out I was pregnancy by selling jewellery and cashing in on shares I had vested. He has saved nothing and says he cannot afford to even contribute £50 a week to a savings account.
However, with just my savings and SMP still this would only allow me to take off 5 months once baby is here as my outgoings to run a house on my own are £1600 a month.
What am I entitled to do? Could I still claim CSA if we are in a relationship! I feel like I cannot talk to him about this as previously I had a great job and earnt double his wage on my basic but taxed 50% so means about the same but he doesn't get it! Unfortunately this isn't the case anymore as I won't be getting anything other than SMP - which isn't liveable for past 5 months once baby is born. He sees me as well off because I own my own house but this just isn't the case as my situation has drastically changed. I don't have savings other than what I've been able to sell and have nothing left to sell!
He seems to prioritise his first daughter and she is spoilt in my eyes but that I keep to myself as isnt my place to comment. But I feel very nervous about how I'm going to afford to support our baby and a mortgage, plus I'm selling my car too so won't have transport. It really feels one sided at the moment but as our baby isn't due until next year he thinks he has loads of time to sort it out. Moreover he has said not to buy anything as we will get gifts at the baby shower - it drives me insane as this isn't the way I have been brought up. In secret I've been buying things from eBay to ensure we have a Moses basket and baby clothes etc ahead of time.
Just worrying as not sure if should ask him for £200 a month or if I'm even entitled to it as I've not been a mum before and never thought I would be skint!
His answer is he should move into my house which I don't want as it's too soon and we argue quite abit since pregnancy. Probably because I worry so much!
Help or advice appreciated
Thank you