Feel like I'm living the movie Groundhog Day...

[workinghardguy]

Well in essence we are heading towards a separation now, or probably right after the holidays. The legal sort, not necessarily physical. In our state it requires four months from filing to divorce at a minimum, but with the courts it's usually six. Therefore I suspect the filing will come right after the new year.

As far as the budget, we already do that and have been since August. We budget out minimum payments on cards, payments for all the other stuff, discretionary spending for each of us, and then debt relief. We then apply the debt relief to specific accounts to close them out.

Childcare has been more ad-hoc but in essence we've done this each time her work schedule is issued, which is about every four weeks.