I just don't know what to do, I feel so stuck and fed up with my living situation.
I've been with my husband for 12 years and living together for almost 10. We have been renting the whole time, we live in a 2 bedroom house with 2 children and a newborn, its becoming very cramped, and the house is falling apart.
My husband earns a great wage, iv always worked part time on min wage jobs. We have the income for a mortgage but my husband is a gambling addict, I knew this early on but didn't know enough about how this would impact my whole life.
We have spent £60,000 on rent since living together , it makes me feel ill thinking about all that money gone towards nothing. We are completely stuck, i have control of his money to pay bills ect so things are paid and on the surface there is no debt. Iv savings for a deposit, but he has an account full of gambling, bank charges, secret unpaid loans and of course very bad credit.
Im approaching 40 and i'm so embarrassed i'm in this situation no matter how hard i work, how much I save, il never get out if this rut. I earn too low and income to get a mortgage on my own.
I just want a secure home for.out children, I want a house i can spend money on knowing its our house.
I just cant see a way out. Even if i or we both miraculously get a mortgage, i'm so worried how vunerable I could be with my husband gambling and potentially using the money put towards the mortgage to cover his debts.
I'm feeling so sad I don't think I will ever own my own home like everyone else I know.