What were things like during the first part of your separation? Did she communicate more with you then or has she been pretty withdrawn the whole time?
Not to plant this bug in your ear, but my H changed dramatically when he met someone else. He went from being on the fence to completely out with the flick of a switch. The seeing someone else isn't a death blow though... It just means that things tend to slow way down and progress might take a lot longer.
If she wanted to keep her ring on but then decided to end things, maybe she 'found something else' and is trying it on right now to see how it feels. Her mind might be a million miles away from you, but with patience she might come around to you yet.
Aside from the financial stuff, what else are you doing to improve yourself? What will she see has changed when she starts looking back to see what you've been up to?
BD: Aug 2012 Separated since May 2013 S born Aug 2013 Aug 2013 H agrees to consider 'baby steps toward working things out' H is/was actively seeing someone?