Split up with GF - Living Alone?

Davepen

Davepen

Davepen

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Joined
18 Feb 2009
Posts
1,880
Location
Midlands
Hey guys,
After 2 years me and the misses have split up. For the best and all that.

We were renting a 2 bedroom house that we have lived in for about 9 months, and, finances allowing, I intend to stay at the house alone.

I have already applied for a 25% discount on the council tax, and have also sent the landlord a message stating my situation and also saying that I would like to continue living at the property assuming that I can cope with the cost.

Do you guys have any tips on affording to live alone? I earn a fair wage but it will be abit tight, are there any more single discounts I am entitled to?

Thanks
 
Forget discounts and move in with mates or to something more affordable. Your landlord owes you nothing.

Sorry to hear that, btw :(

fake edit : Wait, let's do numbers. What's the rent, your income blah blah blah?
 
i always thought renting was wasting money, can you not move in with parent/friend/other family till you can afford to get a mortgage?
 
utajoker said:
i always thought renting was wasting money, can you not move in with parent/friend/other family till you can afford to get a mortgage?
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yes because its soooooo easy to get a mortgage in this day and age :rolleyes: especially if you live in the south/mids. people dont rent because they WANT to its because they HAVE to.
 
Last edited:
And paying friends and being an inconvenience is great while waiting to get a mortgage.

If the man is talking about potentially struggling to pay rent on a property then a mortgage isn't what he needs ;)
 
I'd hate living with anyone else, I like my own space and privacy to much. I rent a 1 bed flat on my own and have plenty left for savings etc.

It all depends on your wage and outgoings so unless you want to disclose that on here no one can really help out.

The only discount I'm aware of is the council tax one which you have already applied for.
 
As much as I would love to get a mortgage I dont think its feasible, dont have the money for deposit as of yet.

I think I would rather live in the depths of hell than live back with either of my parents :|

I would like to get a friend to come live with me to split costs but at the moment there is no one applicable, they are all either travelling/already living with friends or girlfriends.

The fact that its a 2 bedroom property is good because if that does ever become an option, I would have room for an additional person, altho the 2nd bedroom is pretty small :/

Ive worked it out and after rent/bills/petrol/insurance/food, Ill have about £400 a month left, which doesent seem like a lot :/ its going to take quite a bit of getting used to, altho Im sure people survive on a lot less.
 
If you're going off current energy/food bills, remember they will be less now as its just you.

Money saving tip.. Seeing as it's just you wear a jumper/jacket instead of putting the heating on.
 
The easiest option is to obviously get a lodger in to help out, you could always ask your landlord for a reduction, he might be prepared to do it rather than lose a good tenant.
 
You should be fine, you'll just have to watch the finances a little. Remember to try and save a little each month to for things such as car servicing or something breaking that will require replacing.

It does depend a little on how social you are, how many nights you go out a month etc.

My g/f is off to Borneo in a few weeks. She'll be there for 8 months so I'll be paying all bills etc myself. After putting money into savings I'm only planning on leaving myself £150 per month for going out and buying anything I need for my hobbies. I dont however plan on going out and drinking my money away, but then I'm 33, have a gf and have fitness targets to meet this year :D
 
[TW]Fox;18264179 said:
It isnt wasting money if it puts a roof over your head. Interest is 'wasting money' as well?
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Renting is dead money, you never own the house, ever
Own your own house and after you pay the mortgage off, its yours.
 
eatcustard said:
Renting is dead money, you never own the house, ever
Click to expand...

It isn't 'wasted' money if your aim is to have somewhere to live, though.

Own your own house and after you pay the mortgage off, its yours.
Click to expand...

This is true - but a suprisingly huge amount of the money you pay every month doesnt go into reducing the capital element of the mortgage at all.

Which is best depends entirely on circumstances and the local market. It is not true to say one or the other is 'wasting money' in a blanket fashion.
 
As someone who has owned a house/had a mortage, and is now living in rented accom, the flexibility it gives me far outweighs the benefits of paying off small amounts of a mortage each month.

This will change at a later date, but now it suits me fine :)
 
£400 is a lot if you've paid everything off to get to that.

i have about the same left, although i'm only in a one bedroom flat.

looking to buy a house but that's going to be difficult on my own.
 
£400 is fine, don't see a problem unless you have to have all the latest/best things.
 
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