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Watching myself get more and more into debt and no idea what to do

101 replies

OhButWhatIfIFly · 15/08/2019 16:05

Hi all, NC here as I don't want to be linked back to my previous threads, but I am a frequent user.

Go easy on me here, I really need some advice and I just don't know where to turn. I'm going to put in a bit of personal info here because I am really hoping there are some wise mumsnetters who can see the forest past all the trees, because I certainly can't. And I am sure that there are things I can do, but I'm not sure what they are.

I left my abusive husband 3 months ago and I've been with him since I left school 10 years ago. He controlled all our finances so this is my first bit of adulting and it's not going well. I work full time as a teacher and I have a middle management position. I live in a council flat and receive housing benefit (not a lot) and I get some money from Child Maintenance. In total, that makes my monthly income after deductions £2269.38. My rent is £664 per month, childcare £1648.48. I work 1h15m from home as I can't afford to live nearby and therefore use my car. Petrol costs £80 per month approx. Then I spend about £15pw on food and toiletries. This puts my basic outgoings at £2452.48. This means each month I lose £183.10. That's before my phone bill, additional childcare for Parents' Evenings etc.

I've applied to UC but don't get anything. I have no friends or family that could help out with childcare. And when I say no one, I really do mean I am doing this alone. DD is 20 months, so we are still a fair bit off the 30 free hours. I am trying to relocate up north, but no jobs are coming up for the subject I teach but I am looking as this may help. I could do something else, and have been looking at admin jobs, but a huge pay cut would still put me in the same position. Do you think a weekend job would help me out after the cost of weekend childcare (providing I can find one, as looking at childminders, there seem to be none in the area that work weekends)?

I just don't don't know what to do or where I can go for advice. Any ideas are welcome!

OP posts:
Techway · 02/09/2019 13:29

Op, I hope you are bearing up with all the stress.

I had a similar Ex so also went to court for PSO. The judge sided with me (ex',s case was just ridculous but infuriatingly it has to listened to) but that still didn't negate the stress or costs.

So you are a single mum, teaching, facing a house move by council and now court. You will come through his even stronger.

It is very common for abusive men to smear their ex partners. I was truly shocked at the lies Ex told. Until you go through it I wouldn't have dreamt anyone could be so devious and manipulative.

I imagine your solicitor will be making the case that it is impossible for you to raise your child locally, given the lack of support and financial challenges. Hard to say how a court will decide but generally they support individuals moving on in life.

Use whatever resource you can for support, including MN

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