Your husband said he wants a divorce.
Now you wonder what kind of life awaits you after your marriage is over. You may be asking yourself questions like:
- How will I financially survive?
- Where will I live?
- Will my children be, OK?
Getting divorced can be especially challenging for women who stay at home or earn less than their spouses. Concerns about finances, housing, and emotional well-being are common. It’s normal to feel overwhelmed. But there are steps to take for a smoother divorce. Below are five tips to consider.
1. Open Separate Bank Accounts
Financial independence is crucial during a divorce.
If you don’t have one already, open a bank account in your name. This account will help you manage your money and build your financial base.
It’s important to have a clear picture of your financial situation. Gather all financial documents, including bank statements, credit card bills, and investment accounts. Many women find it helpful to create a budget. List all sources of income and monthly expenses. This budget will show what you need to cover your living expenses. Make sure to include everything from groceries to utility bills. A clear budget will help you plan for the future.
2. Look for a Job
Employment can provide stability and financial security once you are on your own. If you aren’t already employed, consider looking for a job. Start by updating your resume and reaching out to professional contacts.
Online job platforms and local job fairs are good places to start your search. Think about skills you can offer. If you need extra qualifications, look for courses or training programs. Community colleges and online platforms often offer affordable options. Employment can ease financial worries and boost confidence.
3. Consider Individual Therapy
Divorce can be emotionally draining. Therapy can offer a safe space for expressing feelings and working through emotions. Many women find therapy helpful for managing stress and anxiety. Therapy can also help with decision-making. A therapist can assist in creating a plan for moving forward. Many therapists offer sliding scale fees or accept insurance.
4. Decide How You Will Get Health Insurance
Health insurance is essential. Divorce often means a change in coverage, especially if you were on your spouse’s plan. It’s crucial to explore your options early in the divorce process.
You may qualify for a Special Enrollment Period under the Affordable Care Act if you lose coverage due to divorce. Check if your state offers specific programs or assistance. If you are employed, consider coverage through your employer. Private insurance plans are another option, though they can be costly. Compare different plans to find one that suits your needs and budget.
5. Figure Out What Housing You Can Afford
Housing is a major concern during divorce. Assess your financial situation to determine what you can afford. Consider whether staying in your current home is possible or if it’s better to move. Below is a table of some of the pros/cons of different living situations.
| Housing Option | Pros | Cons |
|---|---|---|
| Stay in Current Home | Familiarity, stability for children | May be financially burdensome |
| Rent an Apartment | Flexible, lower maintenance | Less stability, possible smaller space |
| Move in with Family/Friends | Support system, cost-effective | Less privacy, possible strain on relationships |
Create a list of your housing needs and preferences. Consider location, size, and proximity to work or schools. Look at different neighborhoods and compare rental or mortgage costs. Ensure that any housing decision fits within your budget.
There Is Hope For A Better Life After Your Charleston Divorce
Facing a divorce is challenging, but you are not alone. By taking proactive steps, you can create a new path forward. Opening separate bank accounts and finding a job are practical ways to build independence. Therapy can provide emotional support during this time. Health insurance and housing are essential components of your new life. By addressing these areas, you can navigate your divorce with confidence and security.
Another way to make your divorce less burdensome is to consider divorce mediation. Getting divorced with a divorce mediation lawyer means you can skip the courts and lawyer fees. Instead, you and your spouse can achieve an amicable and private divorce at a flat-rate cost.
This means you and your spouse are in charge of finding solutions – instead of letting a family court judge divide everything. This can be especially helpful for ensuring the wellbeing of your children is prioritized. Call our office today to find out if mediation is right for you.
About Catherine Marra
Catherine Marra is a nationally certified Divorce Mediator with over 30 years of experience in Family Law, including 20 years in private practice and 10 years as a Family Court Magistrate. She uses her knowledge and experience to guide couples in negotiating divorce settlements so they can save money, complete the divorce process quicker, and get better outcomes than they would at trial.