I am a 30 ish mum of one very busy 4 year old. Recently made single by my adulterous bastard of a (soon to be) ex husband. Now don't get me wrong it's definitely a good thing that he's gone but being on your own with a 4 year old is challenging to say the least. Particularly when this all happens just as you have resigned from your hard worked for career and decided to start a business, in the middle of a recession. Hey, who needs money right? Hahahahahahaha! Well, since you asked....I do!!!!
With divorce proceedings ongoing, a precarious maintenance situation (will he pay or won't he? This week he won't!), a salary given up, savings plunged into the new business and a whole load of bills to pay I decided it was time to assess my finances and whip them into shape. After all I am a responsible adult and successful business woman to be!
Step one in the plan is to clear my overdraft so that it can be once again there for emergencies and not general living! It's not a huge one only £700 which is not insurmountable, even if I did it by £1 a day it would only take 2 years. The approach to this will be multi pronged and is still a work in progress but here's what I've come up with so far....
1. Bank every penny - rather than keeping coin lying around the house, the car, the purse, bags etc get it in the bank.
2. De clutter for cash - now the weather is getting better a car boot sale is definitely in the pipeline, there's eBay, gumtree (free) and the cash for clothes places.
3. Stop wasting money - I'm working on my budget so will share soon.
That's what I've come up with so far, I'm still 8 years off the big 4-0 and I would love to be financially sorted and maybe (whispers of hope) even have some savings started by then!
This is going to be a major challenge for me as I am by nature a spendthrift, so any suggestions are very welcome!
One Broke Mummy
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