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Things aren’t looking good
Are you intending to move in with or without your husband?
If the latter, and you elect to part company through amicable divorce, you also have a claim to existing assets and superannuation.
You might consider a financial advisor/attorney to assess options re any investment planning/decisions about your future before you commit yourself further.
I’m sorry for the difficult position that you find yourself in. It is a bit of a difficult one to answer without knowing your full financial situation. If you sell the house and with your mothers money, do you think that you will have enough money to purchase your mother’s house outright? Or will you still have a mortgage that you need to service? Even if so, you will need to pay rates and electricity and car payments etc. If it was me, I’d sit down with a pen and paper and a calculator and write down all of your projected expenses (phone, groceries, internet, council rates, water rates, electricity, lawn maintenance, car etc), how much you get from social security, and any mortgage repayments that you may have. Is the house a 2 bedroom or more? Would you consider having someone live with you to assist with rent and bills? Alternatively, would you be willing to get a part time job to help you with cost of living expenses?
Hello Sallyanne, if your husband wants to out of the marriage, then a settlement has to be made, whether he buys you outright or the house sold, then you are entitled to what share you believe you are entitled to, so you may need legal aid to help you as your husband has financially abused you and could take advantage of you.
With the money, your mum has left you and what you get from the house being sold, then you will be able to live in the place where your mum lived because at the moment buying a place on small interest rates could be cheaper than renting.
If you are able to pay your utilities fortnightly by CentrePay, say $25 for gas and $25 for electricity makes it much easier to pay the bill, it comes out of your fortnightly payment when you organise this with Centrelink, rates and water can also be paid off, easing the burden of having to pay the whole account.
You can also apply for a concession discount for the majority of bills including rates, it's not much, but does help.
Hope you can get back to us.