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Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

Don't know how separation or divorce works?

7 replies

LalaDipsey · 20/02/2012 21:33

In a similar vein to 'can I afford to leave'.........
I and (d)h have about £40k equity in our house with no savings (well about £3k). I am a sahm. His take home is about £2300 I think. He gives me £1750 mth which pays all bills and food etc plus covers bit of cash for me to spend adhoc. anything extra like clothes or
something for the kids I ask him for money. He saves in his account what he doesn't spend on cigs and alcohol (a pack plus bottle) and has about £5k saved I think.
What happens if we split? I am assuming we have to sell the house? Do I get a council house ( have 2 mth old twins + 2yr7 mth toddler) then he pays child support? I can't see any court saying I can stay in the house cos he wld have to keep giving me the same amt of money and that wouldn't leave him enough to get somewhere to live.
I dont know how separation / divorce works....... Can anyone help?

OP posts:
FabbyChic · 20/02/2012 21:35

Sell the house and you get half the equity and you rent someone yourself, you would get benefits, plus maintenance.

FabbyChic · 20/02/2012 21:35

Somewhere

Llareggub · 20/02/2012 21:36

I got myself a job. It gave me some choices.

LalaDipsey · 20/02/2012 21:44

.....Job not an option - twins only 9 weeks old and childcare costs for 3 children would make any job 'negative equity!'
Would I be expected to use say £10k-£15k I got from the sale of the house (imagine costs of splitting up quite high??) first on rent before I got financial help or would I be allowed to save it?
I worked all my life for 17 yrs before having dd1 3 yrs ago and am doing an ou degree whilst off work so I can be a teacher when the kids start school - I will absolutely be going back to work then.

OP posts:
LalaDipsey · 20/02/2012 21:45

Ps sorry but what benefits would I be entitled to - I haven't ever claimed anything before Blush

OP posts:
LalaDipsey · 20/02/2012 21:46

Pps fabbychic - much prefer the idea of renting someone!!

OP posts:
SunnyMogsy · 20/02/2012 22:02

If you decide to go it alone...you can claim for Income Support if you have up to £16 000, if you get IS you also get housing benefit (rent up to a certain amount), council tax benefit, free dental treatment (just basic things) healthy start vouchers to spend on fruit, veg and milk, also legal aid (which is about £90 per hour as apposed to £250+) 70% of childcare costs paid for if you work 16hrs or more a week. You can stay in the house until kids are 18 or out of full-time education, and you can pay interest-only on your mortgage. I've just been through this, and DS and I are doing great now,good luck!

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