cant move out parents cant afford mortgage

lightspeed

hi im at my wits end at home and after 24 years old living under prison conditions at home some days i honestly feel suicidal. i really cant handle living with them anymore but you cant choose your family and my father is on disability and my mother used to mind kids but cant anymore due to her artritus so at the moment my father gets a social welfare payment with a small bit extra for my mother.

At the moment the mortgage is just over €750 a month and will not be cleared for another 4 years. When i was born my mother had a brain haemorrage and according to my father she was never the same again.terrified of everything and demands and expects that her children are always in a state of constant fear of any confrontation , of any risk of any kind . She is on a lot of anxiety medication and gets a lot of panic attacks and becomes quite ill.

I have only ever once had a girlfriend for a few months and brought her back home once and it was a huge scene. The next day i was told never to do that again. I give my parents €425 a month towards the mortgage and work full time and go to college in the evening which costs €2100 a year and only earn just over €1500 net a month . I dont think i could afford a place of my own and pay the mortgage and keep my car going to get to work.

A friend of mine has a free house after getting his girlfriend pregnant and gets rent and fuel allowance. Im wondering if i moved out could my parents be get much more to cover the mortgage and maybe i would not have to give so much? So my options appear to be live to near 30 most likely alone and probaly still on the same money in a life i dont want to be living or leaving somehow and then my parents lose the house.

I dont hate my parents i just cant handle this mental institution anymore. They are decent people and i feel so ungratefull the way i feel but i cant help it anymore. Out of the family ,myself , my older brother and my parents i am the only one to never take any anti depressants or see any doctor because i know im depressed but i know why and the doctor is not going to pay my rent so what would the point be in throwing money down that bottomless hole. So does anybody have any idea what if anything social welfare might be able to help?

tenchi-fan

I thought I was reading PI for a moment.

Forget about social welfare entitlements. You're certainly not entitled to anything.. you're living at home and earning a liveable wage. You might not be able to afford a place of your own but then again, do you have a place of your own at the moment?

You may be entitled to a grant.

As for your parents.. well, there is mortgage interest supplement, medical cards, meetings with community welfare officers, restructuring with the bank, and of course renting the room out at market rate which is sure to be considerably less than €425 per month - and then you can use the money you save paying them rent to send them some extra money to live off.

maryk123

Lightspeed

If you move out your parents would probably be entitled to mortgage interest supplement. They need to renegotiate the mortgage to maybe interest only. They wont get it if you are living at home. They should be entitled to a medical card on social welfare and also fuel allowance is september/october to april. If they are on Disability the maybe entitled to household benefits which is units towards esb and gas.

hope this helps best of luck.

Master and commander

€425 a month! no offence mate but a get the impression your folks are using you as a cash cow. If my folks were asking that of me i certainly wouldn't be entertaining it.

Sure why do you need to buy a house, could you not just rent a place houseshare style with other people like in college, i thought that was almost the norm for people in early twenties. I do it and i only pay rent of 60 a week in a nice house with two other lads.

Title - Since when was it the parents responsibility to provide their children with mortgages? I know i'd be told where to get if i came asking. I think we need to be fully responsible for our own financing and not be reliant on parents or the state to be giving us hand outs and everything we want on a silver plate. If you want stuff, you have to work for it- hard. rent houseshare for a few years and save up money until you have enough money for a deposit and have a career secure enought o get a mortgage.

You have a job and college education, thats more than alot of folk have. - maybe you wouldn't be depressed if you quit moping and feeling sorry for yourself and got out and lived a little. So what if you don't have a gf, loads of people don't and it's totally overrated anyways.

Anyway the point is, we should stop expecting others to give us stuff, we must stand on our own and be responsible for ourselves.
You get what you pay for and you earn what your worth.