I'm struggling and don't see a way out.
Back story I'm a newly single mum of 3 after my partner walked out just over a month ago. It's left me so stuck financially. When we met I worked and I loved my job, however he didn't want me to work and suggested I stay home with my kids and he will work. I struggled to give up my job, I then found out it was not because he wanted me to spend time with the kids but so I didn't interact with my friends or male co workers. I then surprisingly fell pregnant and due to complications I was on bedrest for the most part of my pregnancy so lucky I wasn't working, then after birth our son had alot of complications and it toke a yr to get him on track again. During this time my eldest son was diagnosed autistic and the financial cost was falling on him so I offered to work but he wouldn't help with the kids unless it was night shift and they were sleeping. So I gave up on working, we were under so much financial stress but with therapies all the time and a little one at home I couldn't work. Fast forward to this yr, we were well off finally but he begun refusing to help with the costs so after alot of thought I decided to open a company so I can work the hours I am available around all the kids but its been surprisingly slow to take off. And about a month ago he walked out no explanation just left toke all the money all the income everything. So now I have 3 kids carers income and a company I have to put money into to get it running properly. My youngest son has just been diagnosed with autism/aspergers aswell. My income barely covers the cost of living let alone the cost of therapies and now he's not wanting to pay rent anymore and instead is charging me for rent he has paid since leaving. He left me with 8k in power over due and over 20k in unpaid tolls. I'm broken I don't know how I will get ahead I have been controlledand manipulated this whole relationship and I see it all now. I'm looking for housing but I cant afford the asking prices I'm also paying legal fees for family court times 2 now. I get some support from NDIS now but it doesn't cover everything. The father of my 2 eldest kids pays the minumim nothing else.
How do I survive?
How do I get the 10k I need for my company to run?
I want to be financially independent and I want my company to eventually provide for other parents struggling like me.
2 Replies
I’d make an appointment with a financial counsellor. They can help you work through your financial situation. Salvos, Centrelink and other charities have FC and it’s usually free.
Unfortunately it gets worse before it gets better. But it will get better.
Ex pays half of everything until lease is up. Tell him thats his duty now. Send him all bills and notices. Take it to small claims if you need to. Let him know youre not messing around, not backing down and this will happen.
Put his tolls into his name if you can. If not split them. Or take one each so youre ocnpletely off his and have nothing do to with him. You are entitled to his super since you havent worked while raising children.
Youll have to go through the changes of splitting, of sorting yourself out to be living as cheap as possible. And then in time youll sort out your debts and get on top again.
For now, consider benching the biz and getting a job that pays, even just a few casual hours a week if you can fit it in, will boost your payment and make things that bit easier.