Help🥲
Me and my “partner” are going through a huge shift in our relationship and we’ve both decided it’s best if we split.
We have 2 young children (3&1) and both names on our mortgage that we’ve only had for a couple of years.
I work part time due to minimal childcare & he is the bread winner and provides for most things; we do both pay towards mortgage & bills though.
How would we go about the mortgage? I cannot afford it alone and I currently don’t get any help from the government as he earns too much (it goes off household).
How would I eventually get the help I worry I’ll struggle until I get this? I can’t work more hours due to no childcare around us.
It really is so important I get this all sorted asap for a smooth transition for the children and for my own mental health as staying in this relationship is draining and it’s affecting my parenting.
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If you can’t afford it alone, you are going to have to sell up and split the proceeds and find something you can afford.
You haven’t mentioned where you are (Ireland, UK, USA) and that will dictate a lot about what help you can get and what you will be entitled to in terms of the house proceeds. Are you married? If not that may also affect what you are entitled depending on jurisdiction.
If you get 50% of the proceeds would that be enough for a deposit on a smaller place? Its probably not realistic to continue being a SAHM even part time but if you split custody 50/50 that itself will give you more time to work, and the kids will probably have to start in childcare like nursery, but if your ex is earning a lot you could agree that he pays for that (or the majority) so that you have time to work enough to pay rent/mortgage. Childmonders are often cheaper than nursery
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