I am a relatively recently separated woman. I have three children, and own my own business. I am struggling to dig myself out of the financial problems incurred over the last ten years of my marriage. I have had some success with no longer using credit cards but I am looking for ways to live more frugally so that I can make inroads to paying off the substantial debts I have.

I am finally read to grow up and take responsibility for my financial situation and I look forward to the satisfaction of improving.

My initial goals are:
1.  To make a budget (oh and I guess sticking to it, lol)
2.  To have a frugal and fun Christmas (without credit cards, a first!)
3.  To start contributing a small monthly amount to an RRSP
4.  To set aside an emergency savings fund of $1,000
5.  To start making more than minimum payments on my credit card until it is paid off.

Sylvia