I have a question about this step 8-Cut off all joint cell phone plans (you are not financing W's affair by paying for her smartphone to continue conducting her A on the family's money)
My question is do I cancel her phone # or set her up with a separate plan and leave her with next months bill. I want to just drop her but I am sure that will be construed as heartless
earlier in your thread you stated "When she asks I will tell her that I the family finances are not for the single lady."
Have that conversation with her. First sit down and figure out what needs to be separated, cell phone, car insurance, car payment, etc., then sit with her and let her know when the last payment will be made by you and that she will need to reassign them to herself and start paying them or you will cancel them at that time. Of course, if the car loan is in your name as well, you may want to consider continuing to pay.
Don't do it in a vindictive manner, let her know that since she is intent on moving out and moving on, you need to start working on getting all the finances in order and this is the first step.
M - 9 1/2 years 5/5/16 - Bomb drop - 3 week EA 10/31/16 - We sold house 01/10/18 - D Finalized