Today, I'm sorting out my finances and doing a financial reset by changing the way I manage my money between different accounts. Overall, my net credit balance is £69. 1969 is the year my ex was born, and it was also Rob who helped me get out of debt when I lived in London by making sure I stuck to a budget and refinancing my loans on his mortgage. That was very kind of him. Having said that, I also have a debit balance of £700 saved up towards my upcoming holiday. I need to protect that over the coming month so I have enough to go away with.