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Helping Your Children Through Your Divorce

Divorce can be incredibly painful and stressful, and can also be stressful on your kids. Helping your children through your divorce is so important because they may be feeling a lot of emotions and not know how to handle them. Be patient with them as they sort out how they’re feeling. Also, be a good listener when they come to you with fears or concerns. Be reassuring and continually make sure they realize that you both still love them. And finally, you and your ex should still be a team when it comes to your children. Divorce is hard on everybody, but it’s important not to forget that your children can be feeling all the stresses that you are.

Helping Your Children Through Your Divorce: Help Them Cope With a Stressful Time

Be Patient

Helping your children through your divorce starts with being patient. This needs to start from the first moment you tell them that the divorce is happening. Give them plenty of space and time to react to the news. Even after you’ve told them, it might take them several days or even weeks to fully process what it means. Their entire world is changing. They may have a lot of questions about what their lives are going to look like in the future. Try to be patient and give them as much time as they need to process their emotions.

Be a Good Listener

Some children react to divorce by becoming very quiet and inward. However, some children are the opposite and want to talk things over. If your children are wanting to discuss concerns with you, be a good listener. Helping your children through your divorce means hearing out all of their fears. They may get angry, or blame you, or feel hurt. Listen to what they say without getting defensive.

Be Reassuring

Helping your children through your divorce often means reassuring them that the divorce is not their fault. No matter how you phrase the reasons for your split up, many children are prone to blaming themselves. Even though it likely has nothing to do with them. They’ll need to hear those words from you frequently. Reassure them that things are changing right now but that they’ll feel settled soon. They will find a new routine that will seem very normal. And of course, always reassure them about how much you love them and support them. Remind them that you’re always there to listen if they are feeling afraid or sad about all the changes happening in their life.

Be a Team

Finally, helping your children through your divorce relies on you and your ex being a team. You may have trouble being around each other. You may even resent them or have all sorts of bitterness towards them. However, you both need to work together to establish a healthy routine for your children. Playing the blame game only ends up hurting your children in the long run. Set the same boundaries for when they’re at each of your houses and don’t try to win their favor by buying them gifts. Your children don’t need to hear about the problems you had in your marriage. Try to remember that they probably deeply love your ex and need to know that you’re supportive of the relationship they have with their other parent.

Helping your children through your divorce is so important because children experience big feelings. But they often don’t know how to process these feelings and can get overwhelmed easily. Be patient when they’re explaining how they feel and be a good listener. Reassure them repeatedly that they are loved and that they did not have anything to do with the divorce. And finally, you and your ex need to be a team, at least when it comes to your children. It’s important to set aside your differences and your bitterness in order to parent them the best way you can. They need your love and support at a time in their lives that is bound to be stressful.

Prenups and Postnups: What’s the Difference?

If you are engaged and discussing financials, you might be wondering what the difference is between prenuptial and postnuptial agreements. Prenups and postnups both determine how a couple will divide their assets in the event of a divorce. The biggest difference is that prenups occur before marriage and postnups occur after a couple is married. A couple usually considers these types of agreements if one person is bringing a lot more wealth to the relationship and wants to protect those assets. Or if one is expecting to inherit large sums of money. Although both have their critics, many find that these types of agreements are the best way to protect your financial wealth.

Prenups and Postnups: What’s the Difference and Do You Need One?

What is a Prenup?

Prenups and postnups are very similar in concept, they just occur at different times. A prenuptial is an agreement between two prospective spouses that determines how their assets will be divided if they divorce. A lot of people feel that a prenup is anti-romantic. They think that it means a couple is already assuming they’ll divorce before they even get married. However, in the US, 50% of marriages end in divorce. Realistically, prenups are a wise choice to protect your financial security.

Who Needs a Prenup?

A couple might discuss prenups and postnups if one partner is bringing more money into the marriage than the other. Similarly, if one has a large estate or is going to inherit a lot of money, they may want one. A prenup prevents a couple from going through a long, drawn-out divorce if they decide to end their marriage. Prenups are especially common for people entering their second, third, or fourth marriages.

What is a Postnup?

Prenups and postnups are very similar, however, a postnup occurs after a couple marries. Other than timing, it’s basically the same as a prenuptial agreement. These have become more common in recent years. They are now legal in all 50 states. Like a prenup, a postnup decides how your assets will be divided in the case of your marriage ending. Similar to prenups, they don’t make any concessions regarding your children or future children.

Who Needs a Postnup?

Since prenups and postnups are so similar, you might be wondering why some opt for postnups. The main reason is simple convenience. Often, the planning stage of an engagement is so stressful and busy that a couple simply doesn’t have time to sit down and draw up a prenup. If this is the case, they’ll often decide to do a postnup instead. This is also an option for couples who feel that the conversation will be awkward and would rather wait until after they marry to have it. Like a prenup, postnups are encouraged if partners are bringing significantly different amounts of wealth into a marriage.

The bottom line is that prenups and postnups are very similar. The only difference between them is that prenuptial take place before marriage and postnuptials occur after the couple says “I do.” However, both of them are legal agreements that spell out what will happen to financial assets in the case of a divorce. If you decide that you and your partner should come to an agreement on either a prenup or postnup, you should consult an experienced attorney. They’ll help guide you through the process and make sure that you are protected financially in the case of your marriage dissolving. Hopefully, you’ll never need to go through the stress of a divorce, but if you do, having a prenup or postnup will make the process much easier.

The Pros and Cons of Single Parenting After a Divorce

If you’re considering seeking sole custody, you may be wondering about the pros and cons of single parenting after a divorce. There are a lot of factors to consider when deciding if this is the right choice for you. One positive of single parenting is that you get to be the decision-maker for your children. Another positive is that your children will have a lot of consistency living in one home with one parent rather than going back and forth. One negative of the situation is that you won’t have another parent around for support. And finally, it can have a negative impact on your children’s relationship with the non-custodial parent. There are many positives and negatives to single parenting, but hopefully, you’ll be able to decide on the choice that works best for your family.

The Pros and Cons of Single Parenting After a Divorce: Dealing with Sole Custody

Pro: Getting to Be the Deciding Factor

One of the positives of single parenting after a divorce is that you get to be the single deciding factor. This is especially helpful if your ex-partner is flaky or inconsistent. If they are in jail or have mental health issues that prevent them from making sound parenting choices, you get to be the legal guardian. This means that you don’t have to run concerns by them first. You can act as your children’s sole advocate. This is especially helpful in cases where there is a medical emergency and a quick decision must be made. Single parenting means that you get to decide alone how best to raise your children.

Pro: Consistency

Another positive of single parenting after a divorce is that your children will have a lot of consistency in their lives. Going back and forth between two different homes can be very hard on kids. Especially if you and your ex have very different lifestyles and parenting styles. If you’re the sole guardian, they will stay with you all of the time and won’t have that back and forth. This can create a very close bond between you.

Con: Lack of Support

One negative of single parenting after a divorce is that you will not have the support of a partner. While making decisions alone can seem like a good thing, often it’s nice to have a partner to bounce ideas off of. It can be hard to find the emotional support as well as general help with childcare that you might need. If you work full time it can be hard to find caregivers for your children. In addition, you may have a lack of financial support to deal with as well. You’ll most likely be raising them mostly on your own money, which can be difficult when you’re used to two full salaries.

Con: Relationship Gap

Another con of single parenting after a divorce is that your children’s relationship with their other parents could suffer. It’s difficult for children to spend much less time with one parent than the other. Often it creates resentment and bitterness. Your children might miss their other parents and ask you frequently if they can spend time with them. In addition, it can strain your relationship with your kids if they view you as keeping them from their other parent. However, you know what’s best for your children and must make the decision that is right for you and them.

There are plenty of pros and cons of single parenting after a divorce besides the ones above. In fact, deciding between sole and joint custody can be very complicated and difficult. Carefully weigh the positives and negatives of each option. Consider the pros that you’ll be the sole decider on issues and that your children will have consistency in their lives. But also weigh the cons of having less support and the possible negative effects on your relationships. Consider each option and decide what makes the most sense for your family. Hopefully, you’ll be able to come to a decision that works for you and your children.

Budgeting for Adoption: Helpful Tips

Budgeting for adoption can seem daunting because the process can be very expensive in America. However, the ultimate goal is well worth the costs. If you are wanting to adopt, investigate all the costs that will be involved. Decide on a budget goal that you feel is reachable. Look into options for financial help like grants, loans, and employee benefits. And finally, always prepare for some unexpected expenses. The adoption process can be lengthy and expensive, but don’t let the cost deter you from completing your family.

Budgeting for Adoption: Helpful Tips to Reach Your Goal

Research Costs for Adoption

The first step to budgeting for adoption is to do your homework. Explore options for different agencies that you can use. Figure out what the total cost will be of the adoption process from start to finish. Shop around different agencies too and get quotes for what their fees are. Don’t necessarily go with the least expensive option though. You want to make sure that it’s a high-quality agency that will help you through the process.

Decide on a Budget

When budgeting for adoption, you’ll need to decide on a budget that you are comfortable with. Figure out if it’s best to go through state agencies or international. You might investigate agencies run through churches as well. When speaking with adoption agencies, ask about any hidden costs. Things like maternal expenses for the laboring mom, legal fees, and agency fees. You want to pick an agency that is fully transparent and upfront about all of its costs.

Look into Financial Options

When budgeting for adoption, investigate all of your options. You might have employee benefits for adoptive parents. Take advantage of the Adoption Tax Credit. There are also grants provided for adoptive families that you can apply for. You can also take out a personal loan to help pay for adoption expenses. Speak to a financial planner so that they can help you take advantage of any help you can find with subsidizing the costs of an adoption.

Anticipate Unexpected Costs

As with all things, adoption can come with its share of surprises. Therefore, it’s important to anticipate unexpected costs when budgeting for adoption. You might find that the cost of living and healthcare in some states is higher than in others. If you choose a pregnant mother in a more expensive area, or if her health insurance doesn’t cover the costs of birth, your expenses could increase. In addition, sometimes there are adoption plans that fall through at the last second. In these situations, it’s difficult to recoup all of the fees you’ve paid upfront. And of course, the cost of actually bringing a baby home and caring for it can surprise expectant parents sometimes.

Budgeting for adoption is important because the process can be quite expensive. However, if you speak to other adoptive parents you’ll find that the cost is well worth it. Investigate potential agencies and try to get an estimate of overall costs well in advance. Decide on a budget that you are comfortable with and choose an agency from there. Take advantage of tax credits, grants, employee benefits, and other helpful avenues to help cover the cost. And finally, prepare for some unexpected expenses. As with all things in life, adoption can come with its share of surprises. While the cost of adoption can be difficult for families to wrap their heads around, it’s important to not let that deter you from your goal. There are many options available to help you make your dream come true of welcoming a new child into your family.

How to Admit to Cheating on Your Spouse

Admitting to cheating on your spouse is one of the most difficult conversations you might ever have with your partner. It’s important to set the right tone for the discussion. Make sure that you reveal the entire truth, not just a partial truth. Give your partner plenty of space to react. Answer their questions if they want to know more information. And finally, try to think of things ahead of time that can help you both move on. But remember that some partners will not even want to try to continue with the marriage. Hopefully, you and your spouse will be able to work things out and move forward with your relationship.

How to Admit to Cheating on Your Spouse: Moving Forward

Set the Right Tone

If you’ve decided to come clean about cheating on your spouse, it’s important to set the right tone. It’s best to make sure that you and your spouse have plenty of time and privacy. This is not the type of conversation you would want to be overheard. It’s really a good idea to talk while you’re at your home, instead of in public. Make sure that you choose a time that works with your spouse’s schedule so that you aren’t rushed. And also make sure that you are distraction-free and won’t be interrupted.

Reveal the Whole Truth

When coming clean about cheating on your spouse, reveal the entire truth. Telling a partial truth can leave you feeling even guiltier. It can also mean that you have to have another conversation further down the road. It can end up hurting your spouse even more. For example, if you cheated more than once, reveal the whole truth. Otherwise, you’ll have to come clean all over again.

Give Your Partner Space

When admitting to cheating on your spouse, give your partner plenty of time and space to react. They may have a lot of questions, or they may not want to hear any details at all. They might react very angrily or emotionally. Be prepared for tears, shouting, and anything in between. Try not to get defensive, after all, it was you who made a mistake. Remain calm if at all possible. Give them plenty of time to process their feelings, and don’t pressure them for any kind of response. They may take a few days or even weeks to really accept what you’ve told them.

Moving On

If you are wanting to move forward after cheating on your spouse, have a plan. Maybe suggest some couples therapy or counseling. Apologize and take responsibility for your mistake. When apologizing, really consider how your spouse is feeling and how you’ve hurt them. Include details on exactly why you’re sorry and how much you want to move forward. Commit to always telling the truth. And finally, accept that they may not want to move on. Some couples can move forward, but others will not. Try to be respectful of their decision.

Admitting to cheating on your spouse might be one of the toughest conversations you can have. Try to set the right tone before you even start by picking a time and place with privacy. Reveal the entire truth. It’s best to just rip the whole band-aid off at once. Otherwise, you’ll have to have a follow-up conversation all over again later. Give your partner plenty of time and space to react. And finally, figure out a way to move forward if that’s what you want. However, acknowledge that your spouse might not accept what you’ve done. Hopefully, though, you’ll both be able to work through things and continue with a stronger relationship than before.

Dating After an Abusive Relationship

Dating after an abusive relationship can be daunting to think about. If you have escaped an abusive relationship, you might be extremely nervous about trusting another person. It can be difficult to even put yourself out there. You might also question what a healthy relationship looks like. It’s important to be gentle with yourself and recognize that all of these feelings are perfectly normal. Healing after abuse takes time, and you want to make sure that you have mentally coped with the trauma before moving to a new relationship. Educate yourself on what healthy relationships look like. Always follow your instincts when it comes to dating. If something feels off, leave. And finally, take things very slow. Easing back into dating can be a lot if you’re also healing from trauma. Take things at your own pace and build trust slowly with new partners.

Dating After an Abusive Relationship: How to Start Again

Take Time to Heal

Before your begin dating after an abusive relationship, it’s important to take plenty of time to heal. You might have deep scars from your abusive relationship. Both physical and mental. Emotional abuse can be just as damaging as physical abuse, and both take time to heal from. Reach out to a therapist and speak to somebody you trust if you find that you are having trouble coping with the abuse. Don’t try to start dating until you feel like you are in a healthy mental state.

Educate Yourself

Next, before dating after an abusive relationship, educate yourself. Your views of what’s normal and not normal might be warped from your abusive relationship. Learn what a healthy dating life looks like. Do a little research on the many ways that emotional abuse can present. If you know what to look for, you can spot a red flag more easily with future relationships.

Follow Your Gut

Always follow your gut when dating after an abusive relationship. If anything feels “off” about your date, don’t be afraid to leave. If you have been dating somebody for a while and they are controlling, quick-tempered, or disrespectful, it can be an early warning sign of abuse. Trust your instincts and get out early if you sense any sort of red flags with a partner.

Take Things Slow

Finally, when dating after an abusive relationship, take things slow. Take time to get to know anybody that you date. Make sure that you trust them completely before getting too intimate with them. When you are comfortable, you can open up about your abuse with them. If any partner is pressuring you to move more quickly than you are comfortable with, they are not respecting your needs. This is a major red flag in a relationship. A loving partner should allow you to take as much time as you need to be comfortable with getting intimate.

Dating after an abusive relationship can bring up a lot of emotions. Often people find that they haven’t really taken enough time to cope with their abuse. If this is the case with you, try not to pressure yourself into dating too quickly. Take time to fully heal from your trauma. Educate yourself on what a healthy relationship is supposed to look like. Always follow your gut instincts about a potential partner, and get out quickly if they show any abusive tendencies. Finally, take things slow with anybody that you begin dating. If they are pressuring you to move too quickly, then they are not being respectful of you. Hopefully, you’ll be able to find a loving partner who you can completely trust and who will treat you with the respect that you deserve.

How-to Find a Post-Divorce Apartment

Following your divorce, you may need to start getting ready to move. Finding a new home can be both difficult and expensive. As a result, many people opt for a post-divorce apartment instead. If you’re in the market for an apartment, there’s a few things to consider while you’re searching…

How-to Find a Post-Divorce Apartment: Key Factors

Budget accordingly

One of the most important things to remember when looking for a post-divorce apartment is your budget. Your divorce may have left a bit of an impact on your finances. You may also need to completely redo your past budget. Therefore, you need to make sure your new apartment won’t break the bank.

Remember that there’s more to your apartment’s expenses than just rent. You’ll also have to consider costs like groceries and utilities as well. When you’re looking at an apartment, be sure to ask what is or isn’t included, and what other extra costs they may have.

Proximity to others

You should also consider how close your apartment is to others important to you. After your divorce, your friends and family are going to still be an important source of divorce. That’s why it may be good to find a place close-by to them. This makes it easy for them to come over and for you to spend time with them.

If you’re a parent, then you’ll especially want to give some consideration to your kids. It may be important to find a place which isn’t too far from your other co-parent to make things easier. You may also want to think about if your apartment will have enough space for your kids should they stay over there.

Future goals

Something you don’t want to forget to consider when looking for a post-divorce apartment is what your future plans are. For instance, consider what kind of job you want to work down the line. Will your apartment be close by to those opportunities? If not, then you may want to view this as just a temporary steppingstone.

Of course, you should also think about if you want to buy a new home. Some people like to stay in their apartment for a few years before settling down in a house again. Still, if you want to move into a new home sooner than that, you probably won’t want a super-long lease.

Post-Divorce Debt: Management Methods

Divorce can sometimes be costly, and as such it helps to prepare a bit financially. Still, even with a good plan, you might find yourself with some post-divorce debt. This debt is definitely something you’ll want to get under control. There’s a few things you can do to help get it down to a manageable level…

Post-Divorce Debt: Financial Impact of Divorce

Re-evaluate your budget

Your post-divorce debt is probably going to require you to take a new look at your budget. As you go away from a double-income household to a single-income one, your past budget may not work as well as it used to. Plus, you’ll probably have some additional expenses to manage. Among these will be your debt.

Therefore, take the time and plan out a potential new budget. Consider your necessary expenses, and how much income you make. This can help you see if you can cut spending in one area to help with debt payments, or if you may need to consider looking for a better-paying job.

Set up payment plans

Another helpful way to handle post-divorce debt is by having payment plans. Not paying your debt at all can quickly add up as extra interest is accumulated. Now, some places may give forgiveness for one or two months missed. Still, if it becomes a habit, then your debt will continue to mount and things like your credit will suffer.

Instead, you can see about setting up a payment plan. Usually, these will let you set up automatic payments for debt payments every month. You may also be able to set up adjusted payments. This can see you making smaller, more manageable monthly payments, but making more of them over a longer period of time.

Consider all your strategies

Of course, the best thing to do with post-divorce debt is to pay it off. However, it’s entirely possible that you just don’t have the extra money to do so. Rather than just let those bills pile up, you should take the time to consider all of your potential options.

For example, if you have good credit, you may want to think about debt consolidation. This puts all your debt together and can lower your interest rate. You might also want to consider debt management, settlement, and in extreme cases, bankruptcy. Just note that these can have a negative impact on your credit in exchange for helping you control or remove your debt.

Divorce Coaching: Potential Benefits

Having to go through a divorce alone can be pretty daunting. Therefore, it could be worthwhile to get some divorce coaching. Meeting with a coach could help you handle the new difficulties and challenges which come with divorce…

Divorce Coaching: Ways It Can Help

Develop a plan

Many people tend to feel lost when going through their divorce. It can be difficult to know what you should be doing and what you should avoid. This can very quickly become overwhelming and make things much more difficult for you. That’s why divorce coaching can be handy.

A coach can help you come up with a general plan of action. Not just that, but they’ll also work with you to make a post-divorce plan as well. That way, not only will you have some good guidance now, but you’ll also have an idea of where to start when the divorce is over too.

Talking with your ex

Another time divorce coaching is helpful is when you struggle with talking to your ex. It can be awkward to talk now that you’re divorcing one another. However, it’s important to do so effectively, especially if you’re going to be co-parents after everything is over.

Meeting with a coach can teach you helpful ways to find some common ground with your ex. This will help make it easier for the both of you to talk with each other. Still, it could be the case that there’s a lot of tension remaining between you and your ex. A coach can also help you figure out ways to de-escalate things and keep the peace.

Keep your cool

A person’s emotions tend to run pretty high when they’re divorcing. All the stress can get the better of you and really make you feel frustrated, angry, anxious, or depressed. Divorce coaching can teach you healthy ways to manage these emotions so you can keep your cool.

It’s important to keep your emotions in check for several reasons. Aside from the health benefits, it’ll help you make sure your emotions don’t interfere with your decision making. It can also help you talk to your ex without getting worked up.

Sell or Keep the Family Home: Post-Divorce

After a divorce, it can be difficult to decide if you should sell or keep the family home. There are plenty of factors that play into this. Everyone’s situation will be different…

Sell or Keep the Family Home: Factors to Consider

Finances

Your financial situation will play a big role in deciding if you should sell or keep the family home after a divorce. Based on your situation, you may have the option to sell the home and split the profit. Another option may be to buy out your spouse to keep the house. You will need to determine which is a better option for you financially.

You may have to speak with a financial advisor or an accountant to see which option is going to be the best financially. Keep in mind there are a lot of financial responsibilities that come with owning a house. You don’t want to start a new chapter of your life with expenses and debt you can’t handle. 

Eligibility for a Mortgage 

Additionally, while deciding if you should sell or keep the family home, you should check to see if you could qualify for a mortgage, if needed. In some cases, one spouse may not be approved to carry a mortgage on their own. This is especially true if they were a non-income earning spouse. You certainly don’t want to make a decision based on thinking you could easily buy another house without making sure you are eligible for a mortgage.

Children

If you have children, especially ones in school, they could be a factor in deciding if you should sell or keep the family home. It can be difficult to uproot children and move them to a different school. Therefore, this may play a role in you deciding to keep you in your current home. Research the schools in the new area you may be considering so that you can make an informed decision. 

A New Start

Sometimes, you may just need a brand new start. A home can hold a lot of memories and emotions. Selling a home can give you the opportunity for a new start. Whether that move is locally, or long-distance, moving into a completely new home may be a deciding factor in whether or not to sell or keep the family home. 

Divorce comes with many difficult decisions to make. Deciding if you should keep or sell the family home could be one of them. Take your time, do your research, and think it through so that you make sure you’re making the right decision.