ThelittleladyandI

First timer seeking organisation, security and a lovely life for my daughter and I.

My husband has recently left, he is a good person, struggling. He is still very present in DD's life and at the moment is contributing financially a lot. His leaving is very very recent. I am heartbroken but need a new focus and some positivity. (I still hold out hope that things will resolve themselves but until then......)

I am 30, work part time, 3 days a week. My daughter is 18 months old, the cheekest monkey, hard work but she is what has kept me going recently! We live in our home with our guard dog haha! Old Labrador, soft dog!

I'm aiming to get finances organised as much as anything. Currently I have no idea how much bills and costs are, when they go out of the accounts, whose name they are in or which account they go out of (joint, mine or his) I want to be able to manage the finances better and pay back outstanding debt!

The debt has accumulated over a few years, just by buying stuff we don't need! It's in the form of two credit cards and also finance agreement for a sofa (not too worried about this as its 0 percent!)

I'm going to start by paying off the sainsburys credit card. It's in my name and I would like to have it at 0 by Christmas. I hope that this is realistic. It stands at £1125.29 eek!

The other thing I'm really keen to do is get an account sorted for emergencys. What if...my husband dint transfer money .....i wouldn't have enough to cover the mortgage...it doesn't bare thinking about! A few months mortgage in a savings account would help me to feel more secure.

I've started off well for August. I'm keeping a spending diary which I will add in next post. Is it just me or do others like to start diets (food or money) on the first of the month, better still the first of the day year!?

Well let's throw this out into the virtual world!