Sorting my life out (again)

princess_pea

Blimey, it's been about 5 years since I've used this forum and my life has completely changed. 

2020 = married, 1 DS, full-time job, debt-free, £9k savings
2025 = divorced, 1 DS, 1 DD, full-time carer for my DD who is disabled, £7k debt, £0 savings

Luckily my debts are relatively small and 0% interest... apart from the car which has 1 year left before it goes back. My DD should be eligible for the mobility element of DLA the same month the car goes back so hopefully we'll be able to apply for a motability car. That's the plan anyway.

I've been through a break-up and divorce, a new relationship which has ended in separation and a joint mortgage (and car finance) which I'm now paying on my own. I took redundancy from my full-time job to care for my DD. Since my recent separation I'm navigating the benefits system and having to pull my big girl pants up.

My DD is eligible for A2YO funding and a part-time job has come up which could be ideal for me. Hopefully the stars will align, I'll find my DD a suitable nursery place and be able to go back to work - watch this space.

Hoping to use this diary to keep me on track. My biggest downfalls are spending money on my children and overspending on my credit card. I pay the CC off every month but this just makes me rob from myself the following month. It's currently at £0 which is where it needs to stay!

Sarahwithlove

Welcome back. How does it work with the joint mortgage and car? Do they have an entitlement to it? Or is the property yours in the divorce? What's your plan to pay off the credit cards?