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Post-Divorce Credit Score: Build Yours

Divorce can not only be an emotionally tough time, but a financially tough one as well. As such, it’s important you get your finances back on track. A big part of that will be building up your post-divorce credit score. With how important credit scores are, it’s key that you do so properly…

Post-Divorce Credit Score: Prepare For The Future

Check your current score

Of course, before you can improve your post-divorce credit score, you’ll need to know what it is. This is best done by ordering a credit report. You can do this via one of the three major credit bureaus. With this report, you’ll be able to see both individual and joint debts that you have.

Individual debts are ones which are solely tied to you. However, joint debts are ones are ones where both you and your spouse are responsible. If either one of you fails to make a payment, then you both will be negatively affected.  Therefore, keep track of these accounts, and they’ll be important for your next step.

Reorganize your accounts

Now that you know what your debts are, it’s good to reorganize your accounts. First, you may want to consider opening new individual ones. By starting now, you can help your post-divorce credit score in the long run. Still, if that isn’t something you want to do, then paying down any existing ones will also help.

Next, take steps to close any old joint accounts you have. Get in touch with your lenders and ask them to transfer these accounts to individual ones based on your divorce agreement and have them closed. You should also remove you and your ex’s name from any accounts which have you as authorized users. Taking these steps will help make this debt more manageable for the both of you.

Pay your bills

In the commotion of divorce, it’s easy for bill payments to fall by the wayside. However, missing these payments can be pretty bad for your post-divorce credit score. Therefore, you want to make sure you pay them on time as best as you can.

A good way to do this is by setting up automatic payments. That way, you won’t have to worry about accidentally forgetting to make a payment. Slowly but surely, your score will rise as you continue to make on-time payments.  

How-to Ask the Right Questions About Adoption

Whether you are unable to have kids of your own, or want to provide a home for a child who does not have one, adoption is a great option for many people. When looking into adoption, there is a lot to of things to consider. The adoption process can be confusing and overwhelming at times. This is a big decision for any individual or a family to make. Therefore, it is important to make sure you understand the the process from start to finish. Make sure you know how to ask the right questions about adoption.

How-to Ask the Right Questions About Adoption: Understand the Process

Adoption Types

First, you will need to know about the different types of adoptions. This is one of the first big questions about adoptions you should ask when starting the process. Children can be adopted internationally, through private agencies, the welfare system or even existing relationships. Understanding the different types of adoptions will help you decide which route you may want to go. There may be differences in requirements, rules and costs associated with all of the different types of adoptions.

If you choose a private or independent adoption, you will also need to understand the difference in an open and closed adoption. The difference in these are whether the birth parents want to select the adoptive parents, or even meet them. They could also choose to maintain an ongoing relationship with the adoptive family.

Cost

Another one of the important questions about adoption is about cost. Adoptions can be expensive, so you should find out how much money you will need to save up. Find out how long you have to pay the fees and ask about different payment options. Do not forget to find out about grants or tax credits to help offset adoption costs.

Preparation

When it comes to adoption, there may be some preparation work you need to do. This is another one of the questions about adoption that you should ask. There is not going to be a one-size-fits-all answer. However, there could be financial preparations you need to make. Also, you may need to find a living situation that is going to be appropriate for raising a child. Learn about the different legal, financial, medical, developmental, and behavioral issues related to adoption.

Adoption can be an amazing step in growing your family and providing a loving home for a child. Since it is also a big step, make sure that you ask all of the right questions about adoption. This way you know if this process is right for you.

Having a Baby to Save Your Marriage?

Having a baby to save your marriage is not a good idea. While movies can sometimes make us think that having a child will magically repair a broken relationship, the truth is that children just add stress. Adding a child into the mix isn’t going to help things if you and your partner are already on shaky ground. Instead, it will create way more pressure and anxiety in your lives. Plus, it isn’t fair to the baby that’s being used as a game piece or Hail Mary. Finally, both you and your partner will be limiting yourselves and the amount of happiness that you can experience. If your marriage is feeling shaky, the best thing to do is pause and work on things before ramping up the pressure with a child.

Having a Baby to Save Your Marriage: Is It Ever a Good Idea?

It Won’t Fix the Underlying Issues

The main reason why having a baby to save your marriage is dicey is that it doesn’t fix anything. If you and your partner have issues, creating a new life doesn’t address them in any way. Sure, it can kick the can down the road for a few years, but your problems will come back. You and your partner need to address your concerns head-on through open communication and counseling.

It’s a Pressure Cooker

Another reason why having a baby to save your marriage is a dangerous game is that it just adds stress to your life. Babies need constant care, and children need your full attention. Even if you have a healthy, easy baby, the parenting process is overwhelming. You and your spouse will get very little sleep, and tempers will run short. Not a good recipe for fixing marital issues.

It Isn’t Fair to the Baby

It also isn’t fair to the child if you’re planning on having a baby to save your marriage. You should bring a child into the world because you want to raise it together and give it all of your love. Not to use it as a crutch for your relationship, or a bandage. If you are already having issues, a baby is only likely to exacerbate things. This means that you’ll be bringing a child into a relationship with arguments, where neither partner is really happy.

Limiting Your Happiness

Finally, having a baby to save your marriage just means that you’re limiting your potential for happiness. You deserve to be with somebody that makes you happy. And in a marriage that fulfills you with a partner that is willing to give equal effort. If you have a baby with your spouse and then you decide it’s best to go your separate ways, you’ll be tied together for life. It’s much better to figure out what you both want out of the future now.

Having a baby to save your marriage isn’t the answer to your marital problems. Parenting is hard work, and you deserve a teammate you can count on. If you and your partner are already having issues without the added stress of a child, creating a baby isn’t going to lessen your problems. Instead, it’s likely to put much more pressure and stress on your marriage. Not to mention that it isn’t fair to the baby. And if you and your spouse are better off as exes, it’s best to find that out before you’re tied together as co-parents for the rest of your lives. All in all, the answer to marriage struggles is not a child. Instead, take a pause, do the work, and decide whether or not this is a marriage that can last.

Protective Steps to Take if Divorce is Imminent

There are several protective steps to take if divorce is imminent. If you and your spouse are heading toward the breakup of your marriage, you want to make sure that you’re protecting yourself. Once you begin speaking about divorce, your partner could get confrontational or antagonistic. Therefore, take these steps ahead of time so that you are fully protected. Speak to an attorney right away as soon as you think divorce might even be a possibility. Gather legal and financial information and make copies of important documents. Protect yourself financially and begin preparing to be on your own. And finally, be on your best behavior so that you don’t give the court any ammunition to use against you during the process. Hopefully, you can be as prepared as possible if you wind up going down the road toward divorce.

Protective Steps to Take if Divorce is Imminent: Preparing Early

Speak to an Attorney

The most important of the early steps to take if divorce is imminent is to speak with an attorney. An experienced divorce lawyer can guide you through the process and ensure that you are taking the correct steps. They’ll help you decide how best to move forward and make sure that you’re being financially protected.

Gather Financial Information

Additionally, if divorce is imminent, it’s important to go ahead and gather important legal and financial information. Look for things like bank statements, insurance information, tax returns, retirement account statements, wills, and titles. Make an inventory of personal assets and family possessions. Make copies of all documents you find so that your spouse cannot hide them or alter them later.

Protect Yourself Financially

When divorce is imminent, sometimes as soon as it’s spoken out loud, spouses begin taking vindictive steps to financially harm their soon-to-be-ex. Protect yourself from this by taking inventory of accounts. You might consider closing joint credit cards so that your spouse cannot rack up charges that you might later be responsible for. Additionally, if you do not have a credit history in your name, it’s important to begin building your credit.

Be on Your Best Behavior

Finally, if divorce is imminent, it’s time to be on your best behavior. Like it or not, your entire life is about to be put under a microscope. If things get hairy with your divorce, your ex might use any dirty tactics to get what they want out of the settlement. Focus on spending time with your children and keep a relatively low profile. Now is not the time to begin dating somebody new.

If you feel that divorce is imminent, you’ll want to take steps as quickly as possible to protect yourself financially. As soon as you and your spouse begin speaking about divorce in real terms, it could start a chain reaction. Many exes wind up getting very antagonistic towards one another, and you want to make sure they cannot take steps to hurt you financially. Speak with an attorney as soon as possible so they can begin advising you on how best to move forward. Take inventory of your money and begin gathering important legal documents. Prevent your spouse from ringing up huge credit card bills, and start building up your credit if you don’t have a history. And finally, keep your head down and be on your best behavior while the divorce process is pending. Hopefully, you and your ex can settle relatively quickly and painlessly.

Putting Effort Into Your Marriage

Putting effort into your marriage is important for the longevity of your relationship. You and your partner should both contribute equally to the marriage and make a point to continue showing up for each other throughout the years. One of the best ways to show your partner how much you care is by spending quality time together. Another way is to improve your listening skills, which counseling can be helpful with. Every marriage gets into ruts periodically or has times when your focus will be pulled towards other things. And while you’ll experience some ups and downs, your relationship will be much stronger if you both decide up front to put in the effort to make it last a lifetime.

Putting Effort Into Your Marriage: You Get Out What You Put In

Why It Matters

Putting effort into your marriage is important because it’s a way of showing your partner how much they mean to you. It’s easy to get lost in the monotony of everyday life. Especially with stresses from childcare or work. During these times, it can be easy to forget just how special your partner is and stop noticing the amazing qualities that drew you to them in the first place. Putting in the effort will remind your spouse of how much you care about your marriage.

Importance of Equality

Another important thing to note about putting effort into your marriage is that it needs to be an equal contribution. If one partner is always the one making time for the marriage but doesn’t feel that their effort is reciprocated, they might begin to wonder if the relationship is healthy. It’s normal to have certain times when one of you has a lot of stressors and isn’t able to focus as much on the marriage. However, overall, your partnership should be an equal one.

Quality Time

One way to show that you’re putting effort into your marriage is to focus on quality time. It’s easy to get bogged down with our busy work schedules. However, making time for a date night, a walk together, or just a few minutes to sit with one another is important. Put it on your calendar if you need to. Just make sure that your time is distraction-free. Put away your phone, turn off the TV, and spend some time reconnecting.

Be a Good Listener

Another great way of putting effort into your marriage is to improve your listening skills. Becoming a great listener will show your partner that you care about their interests. So make eye contact when they speak, ask insightful questions, and show an interest in what they’re saying. Another great way to improve communication skills is to speak with a marriage counselor. Even if things are going smoothly in your relationship, therapy can be hugely helpful in improving your conflict resolution and communication skills.

Putting effort into your marriage is the best way to show up for your partner and show them how much they mean to you. Every marriage has times when things are great, and times when things are stressful. The important thing is that through it all, you keep putting in effort to strengthen your bond. That will give you the tools you need to get through the more stressful times. Make sure that both partners are committed to the marriage, and that things aren’t one-sided. Consider spending more quality time together distraction-free. Or work on improving communication skills through counseling. By putting

All About Common Law Marriage

Common law marriage is something that gets referenced frequently but is not recognized in many states. This type of union happens when two people live together and claim for the world to be married, but never go through a formal ceremony. There are certain requirements that they have to fulfill, and the rules vary from state to state. People in this type of marriage still retain all of the rights of a married couple and have to file for divorce if they decide to end their relationship. If you are interested in marrying in common law, speak to an experienced family attorney in your state to determine if it’s a possibility.

All About Common Law Marriage: Is It Legal Everywhere?

What Is It?

Common law marriage is a union between two people who are living together and representing themselves as husband and wife without going through a formal marriage ceremony. These unions were popular long ago when rural areas didn’t have as many churches or government buildings. Especially in states where the population was low. However, now that most people have easy access to government offices, most states do not recognize them.

Where Is It Legal?

Most states do not legally recognize couples who are married in common law. Only ten states, plus D.C. allow them. These are Colorado, Iowa, Kansas, Montana, New Hampshire, Oklahoma, Rhode Island, South Carolina, Texas, and Utah. However, some states, like South Carolina no longer allow these marriages to form. They will recognize an already established common-law marriage, but this is not an option available to couples moving forward.

Requirements

You can’t accidentally marry somebody in common law just because you live with them. There are several requirements for a common-law marriage, that vary from state to state. A couple must be living together, although the length of time varies. Additionally, they must both be of sound mind and legally able to get married. Finally, you must hold yourselves out to others as a married couple, and represent as spouses in public.

Divorce

A common-law marriage is just as legally binding as a typical marriage. It comes with the same rights and privileges for spouses. And just like an official marriage, the only way to end one is through divorce. The divorce process is similar to a typical divorce; spouses must split up assets and deal with issues like custody and spousal support payments.

Common law marriage was very popular at one time but is slowly fading out of existence in our country. Now that most people have access to government offices where they can legally obtain marriage licenses, many states no longer recognize non-official marriages. However, there are still a few loopholes in states where you can marry your partner in common law. The requirements vary from place to place, especially with the amount of time you must live together. But typically, this type of marriage requires that you cohabitate, that you’re legally able to marry, and that you present to the world as a married couple. Similarly to an official marriage, you must go through the divorce process to end a common law relationship. If you have questions about common-law marriage in your state, seek the advice of an experienced attorney.

How to Spot a One-Sided Marriage

If you are in a one-sided marriage or relationship of any kind, it can quickly become exhausting. In any relationship, both partners should be giving equal amounts of effort throughout their time together. Naturally, there will be times when outside distractions make it difficult to focus on your marriage. However, over time, you should both be contributing equally. If you don’t feel like this is the case, it can be a symptom of a deeper problem. It can happen gradually over time, but it doesn’t necessarily mean you are doomed as a couple. Through counseling and communication, you can rebuild your relationship and begin contributing equally again.

How to Spot a One-Sided Marriage and What to Do About It

How Does It Happen

A one-sided marriage simply means that one partner is putting in more effort than the other one. At the start of a relationship, both parties are often equally committed and interested in putting in the effort. However, over time, there can be a disconnect. It might feel like one person in the marriage is always the one planning dates, initiating intimacy, and working on improving the relationship.

Why It’s a Problem

Sometimes a one-sided marriage happens because of outside stressors taking the focus of one spouse away from their partner. Or because one person has never had a healthy example of marriage to model. But sometimes it happens because one spouse realizes that they have outgrown the marriage. Maintaining a one-sided relationship can be exhausting for the person who feels they are giving more effort. It can quickly build resentment.

Signs

The main sign of a one-sided marriage is if one partner feels they are always the one trying to work on the relationship or improve things. Another sign is if you begin to feel like an obligation, rather, a priority. Intimacy might fade away, or one partner might always have to be the one to initiate it. Finally, you might begin to feel like they don’t have any interest in your relationship issues, or refuse to acknowledge them at all.

What To Do

If you find yourself in a one-sided marriage, try to figure out exactly how you want to move forward. Speak to your spouse and see if they are willing to try marriage counseling or other techniques to improve your connection. Work on building up your communication with one another. If they don’t seem interested in putting in the work, then it might be time to explore other options. It’s not fair to stay in a marriage with somebody that doesn’t love you back.

Being in a one-sided marriage can be exhausting and can build a lot of resentment and self-doubt. If you feel like you are the only person making any effort in your relationship, it’s important to get to the bottom of exactly what’s going on. Try to figure out if this is a temporary phase of your marriage because your partner is dealing with stress or other issues. Or if it’s a long-term issue that you’ve been dealing with for years. You might feel like your spouse doesn’t care about your happiness, or doesn’t want to talk about your relationship at all. If this is the case, think deeply about how you want to proceed. Marriage counseling can be beneficial, but it still requires both you and your spouse to put in mental work. You deserve to be in a marriage with a partner that respects you and loves you enough to put in the effort.

Covid-Related Divorce

Now that the Covid-19 epidemic is passing, we are still understanding the deep effects it had on society, like the Covid-related divorce rate. The pandemic was incredibly stressful on relationships of all kinds, but especially marriages. The uncertainty of the sickness mixed with quarantine protocols created a lot of anxiety for households around the world. If you are still feeling the effects of the pandemic, it’s time to begin moving on with your marriage. Build back and re-strengthen it so that if there is another life-changing event, you’ll be even more prepared in the future.

Covid-Related Divorce: Why the Pandemic Was Hard on Marriages

Why Covid Was Tough on Marriage

There are several reasons why there was an uptick in Covid-related divorce during the pandemic. First of all, many couples faced a lot of fear and uncertainty about their health. The political strife that accompanied the epidemic was also a source of controversy for many families.

Effects of Quarantine

Quarantine also had a large effect on Covid-related divorce rates. Many states went into lockdown, meaning that couples were no longer able to be around friends or family. And for many parents, this meant homeschooling and a lack of daycare. Being stuck together around the clock can put a lot of pressure on a relationship. And many couples faced stress because of their home-work-childcare balance is completely out of sync.

Getting Back on Track

If your marriage took a hit during the pandemic, you aren’t alone. Covid-related divorces are quite common, and even couples that made it through the pandemic together probably faced some stress. Now is the time to work on building back that relationship. Seek out counseling for any unresolved conflict, and try to take some quality time for yourselves.

Strengthening Your Marriage

While none of us want to think about the possibility of another pandemic hitting, chances are, this won’t be the last epidemic. Make sure that your marriage can withstand another stressful event by putting in the work now. The more you lay a strong foundation for your relationship, the better off you will be when tough times hit. For example, work on communication and conflict resolution. Tackle things like sharing the mental load of parenting. And find time to connect to one another without distractions.

While we are still reeling from the after-effects of the pandemic, we know that Covid-related divorce is an unfortunate reality for many couples. The pandemic was tough on everybody as we watched the entire world we know to shut down and change. And quarantine protocols put even more pressure on family units. Many couples saw an increase in conflict and stress in their marriage. Especially parents who were facing things like school shut-downs, daycare closings, and home-schooling. If your marriage is still feeling the after-effects of Covid, now is the time to try to rebuild your relationship. Hopefully, that way, you’ll be even more prepared in the future to face obstacles together as a team.

Deciding On a Legal Guardian

If you have young children, deciding on a legal guardian should be an integral part of your estate-planning process. If either you or their other parent passes away, the other parent would still raise your kids. But what happens if both parents are in an accident? While nobody likes to think about the possibility, it is important to assign a legal guardian to your will. This is the person you task with raising your children if you and your spouse die unexpectedly or are otherwise incapacitated. It’s a big decision and one that you need to carefully consider. You might debate between your parents, your siblings, or even friends. However, there are important factors to think about no matter who you pick. While it’s unpleasant to think about, knowing that you have a legal guardian appointed in your will might give you peace of mind.

Deciding On a Legal Guardian: Different Options

Grandparents

When deciding on a legal guardian, many people go straight to their parents as a choice. However, there are some things to consider. For example, they’ll need to be physically fit and healthy enough to handle young children. Think about them. age and whether or not you feel confident that they will remain in good health while raising their grandchildren.

Aunts and Uncles

Another popular option when deciding on a legal guardian is your siblings. One positive of this is that your children will still be able to maintain close relationships with their families. For example, grandparents and extended family. Additionally, your siblings might have similar core values to you and your spouse. Hopefully, this means that they’ll respect your wishes for how you’d like your children brought up.

Friends

If you don’t have siblings or don’t have siblings that you feel would be a good fit, you can assign friends as legal guardians of your children. Like siblings, it’s important to take into account their values and whether or not they’ll raise your children in a way that you approve of. Additionally, raising kids is expensive, so you’ll want to make sure that it is financially feasible to ask them to take on this responsibility.

Things to Keep in Mind

When deciding on a legal guardian for your kids, there are many things to consider. You’ll want to make sure that whomever you pick has the emotional and financial capacity to take this on. You might also want to consider their support system. They’ll need all the help they can get adjusting to life as new parents while dealing with the grief of losing you. This decision is yours alone, so don’t let others pressure you. The decision has to be right for you and your spouse.

Deciding on a legal guardian for your kids can be a difficult task. There are a lot of things to think about when making such a huge decision. You’ll want to choose somebody that you feel comfortable with, and somebody you trust to raise your kids. But they also must have the financial means and emotional capacity to take this on. When thinking about who to pick, you might consider your parents, your siblings, or friends. The fit has to feel right for you and your spouse. Additionally, it’s a good idea to speak with whoever you choose and make sure that they are comfortable having this potential responsibility. While you hope that you never actually have to give another person the task of raising your children, it can give you peace of mind knowing they’ll be in good hands if the unexpected should happen.

How-to Remove Social Media From Your Marriage

Social media can ruin a perfectly good relationship. It can make people grow distant, change people’s attitudes and even open up the possibility for cheating. In order to keep yourself from getting into an unhappy marriage, you may need to remove social media from your marriage.

How-to Remove Social Media From Your Marriage: Relationship Building

Distraction

It is not a secret that social media can be a major distraction. Many people get buried in their phones and ignore everything else going on around them. If you start tuning out our spouse or even your children, you could be damaging those relationships. Make an effort to be present and stop paying so much attention to your phone. Stop scrolling and start participating in the lives of those around you.

There are different apps that will help limit or cut off your screen time. For example, Apple has a screen time feature that will allow you to set limits and remind you when you are over your limits. Other programs may block you off of the app all together for that period of time. Also, find someone to hold you accountable and do not get upset when they call you out on your screen time usage.

Compare Lives

Social media can make you feel miserable. When you are only spending time viewing everyone else’s highlight reels, you may start to think that your own life is not interesting or good enough. Studies have found a link between social media and depression. Eventually, this could affect your marriage. Additionally, if you are always comparing your life with others, this will take a toll on your own marriage too.

If this sounds like the path you are on, you may need to take a break from social media all together. For instance, delete the apps, or change your password to something difficult and hide the key. A social media detox can help you get back focusing on your own life.

Other Relationships

If you are always looking at other people’s highlight reals and curated, filtered pictures, you could end up becoming interested in someone else. However, depending on how far you let this go, you could jeopardize your marriage. Remember that in real life, people do not walk around with photoshopping and filters on them. Your spouse is a real person, and you cannot compare them to the picture perfect facades people post on social media. Put away your phone, and spend some quality time with the person you fell in love with in real life.