Splitting from husband how to not drown financially

[shazza292022]

Hi ladies, I'm due end of the year to give birth and have 2 kids already, both school age. I am sadly splitting up from my husband of 10+ years 😭 not only is it hard to manage this emotionally I am incredibly worried about the financial impact and how I will survive. I work full time and make about 28k. He is the bread winner and together we are comfortable. We have a house to sell and debts so I'll prob get about 35k after the house is sold and debts are paid. I don't have alot of friends or family to ask for help, and when I called citizens advice I was basically told I won't be entitled to alot of help financially due to working full time.

I don't know what to do...I've considered cutting down my hours once I'm back after maternity leave or quitting altogether, purely so I don't drown financially but even then I'm not sure if what I will get from UC will be enough. This is totally new to me; it's so daunting and upsetting and tbh I'm so completely miserable. Is there any advice from other ladies in a similar situation? I'm so worried I won't make it on my own but I know I have no choice.

Happened to me with four children. When the marital home was sold UC gave me a disregard for the capital for about six months so I could buy my own place which I did it was a lot smaller but we are fine here

I work full time and use wrap around childcare for one of the children who is still primary age. UC contribute to the cost of this childcare which really helps.

I'm not sure about what you can do work wise with a baby. Your husband will need to pay child maintenance if it's not a 50 50 split.

There is a calculator online for what he's have to pay based on number of nights he has them and his salary.

Get some legal advice and see what a solicitor says but it's not just up to you to pay for the kids he has too too and that may mean you getting more equity from the home upon sale if your capacity to earn is lower than his. Or you may be able to stay in your home whilst the children remain children. You need to see a solicitor

You might be entitled to UC even if you:
*work
*house owner
Especially, if you have any childcare to pay.
We were at the point when we earned combined income £45k/year and still received UC as our childcare was more than 2k per month.
Don't listen stupid "advices " that you can't have benefits being home owner or working full time.
Good luck all the best 👍

Are you basing your expected assets from the devorce based on 50/50 or more? Surely if he is on a much higher income and you are doing more then 50/50 childcare (as I would expect if you have a newborn) then you should expect more then 50/50 of the assets.

You will also possibly get maintenance even if 50/50 care if there is a large income disparity.

Have you included your pensions in the pot? If he us high earning then does he gave a large pension, more then you? His ability to gain a mortgage will be considered compared to you in what you both need.