Girl how are you doing this morning?
I noted you're not married and have a house with this guy? Jointly owned and some small amount of savings.
FABULOUS.
Sounds like exactly the situation I was in as well (still am actually).
It sounds like you can make this work. Not saying it will be easy but you definitely can.
I don't know about whether it's possible for you to get a job even part time? Is that something you can do? If not that's ok, I am just asking for clarity.
Does the house have any equity in it at all? If so that's great. If it's truly jointly owned (on the deeds and the mortgage in both of your names) then you are entitled to half of the house, that's regardless of who is paying the mortgage.
So what happened with me is that I bought a house with my ex.
It was joint.
We both paid the mortgage.
I left in May last year, I just took off and went and lived in a house share. It sucked, but it was what I needed to do.
I got advice from a solicitor because my assumption was that I would have to pay the mortgage (my half of it) because I was named on it.
Solicitor said that technically yes I did, but I could write to him and lay things out, so this is what I did. I gave him 3 options (well 2 actually).
I said, I've left the house, I am not coming back (I refused to give him ANY details of where I was, he still doesn't know). The relationship is over.
I told him he could move out and we could both pay the mortgage jointly
I told him he could stay and pay the entire mortgage as he would have sole enjoyment of the house, and I told him that if he did this, I would not go to court to claim occupational rent from him, because that is what he would owe me if he chose to stay in the house.
He went fucking BALLISTIC. Tried everything from being vile to being nice... nothing changed my mind, I didn't go back. He demanded my address, refused. He threatened me with lawyers, don't care. Threatened me with "further action". Don't care. All bullshit.
I took all my furniture from the house and I sold it, I took people with me when I moved it out so that I wasn't at risk of his bullshit. He told me I was fucked in the head, utterly mental, needed to be locked up in a mental asylum, you name it. Didn't care. Carried on moving my furniture, sold it all for about 1/5 of what it was worth. He was too much of a coward to actually be there because he knew other people would be with me. I made sure I told him that.
I blocked him on EVERYTHING except email (which I needed to keep open because of the house situation).
We can't sell the house because of a legal dispute that needs resolving, so I still own it with him, but what i've done since moving out is shut down the joint account which the mortgage was going out of (he had no choice but to move it to his account or avoid a bad credit score).
I also severed the joint tenancy on the house which you DO NOT need his permission to do. This means that if you die, he won't automatically get your half of the house, and it also gives you a 50% share in your own right, rather than you both 100% owning the whole thing. You can read up on it.
I've told him the house is getting sold, and he is forced into a corner with this, he either buys me out, or he has to leave.
Throughout this, he harassed me with tons of emails, insults, accusations, abuse, threats, he wrote "formal" letters to me that were utter bullshit. I was heartbroken and I was scared at the time this all happened. I got a lawyer to write to him and tell him that if he didn't leave me the fuck alone, he'd get a non-molestation order slapped on him. He harassed my lawyer after that with stupid questions, I closed the account down with her to avoid him racking up anymore bills. He had no recourse after that.
Now I know that my ex a) Cares deeply about his OWN self interest so I knew that he would protect that at all costs. He wouldn't be able to stand a credit rating hit for example. He's all about himself. b) I know he's fucking lazy, so I know he won't want to leave the house, I know he won't move out, I know that if he does try to fuck me around I have a financial plan in place just in case. I have already moved the board pieces so that the mortgage goes out of his account every month.
The only way he can get back at me is by hurting himself basically, and I know for a fact that he's not going to do that. I can rely on it.
You need to look at your abuser, and you need to assess what you know about him that you can use against him, what are his weaknesses? How can you move the board pieces to put yourself on top and put him in a position of weakness? Start thinking about it, but that is how I got out. I had a place to go, I got my family rallied around me and I got professional advice.
I know it's not going to be easy, but that is why charities can help, that is why professional advice is good (citizens advice, helplines, free consultations with lawyers, legal aid etc.). If you're not working, you're probably entitled to help.
I hope this is a bit more information for you, but i was in the same boat, the battle with my ex is definitely not over, the house isn't sold, but i am now in a position where i can live my life without him interfering, and he also knows that I mean business, and that if I say i'm going to do something, I will fucking do it. He's left me alone now because a) he has a new supply to listen to him whine about how he was abandoned, and b) he knows that the tone has changed now, he knows i'm not going to be messed around with.
Hope that is helpful and gives you some ideas.