I really need some advice.
I'm 23 and have been living at my mums house, (with my current partner) since I split up with my abusive ex around three years ago. Unfortunately she suffers from Bipolar she it's becoming extremely uncomfortable to live with. I do all the cooking/washing/cleaning but it's becoming too much.
I can't afford a mortgage yet so we're looking at renting. The rent here is around £600 for a 2 bed flat/house.
I earn £17,000 but already have a lot of outgoings, my car (which I need to get to work) costs me £250 a month, including insurance and tax. I lost my job in April, got into a little bit of debt only around £1k, which I'm aiming to pay back monthly.
I also have to pay £277 a month for my CIPD HR course, I can't drop this as my earning potential will increase once I'm qualified. I should be paid more than I am, but it's an on going battle with my employer and one I feel I'll probably lose. I've only been with the company for three months.
There's not much left at the end of my wage already. DP and I would share the rent/living costs but I don't know if realistically I can afford it. We have enough for deposits, first months rent and application fees.
I'm sorry if this is a garbled mess. I'm really stressed. I want my mum to get better but she refuses her medication and continues to drink herself to death. We can't stay here but I'm not even sure what my options are. My credit rating is crap, my ex made sure of that for me. Stupid me just let it get worse and worse by burying my head in the sand. I've worked on that, the debt is down and I'm trying to better myself by studying in the evenings. 