Financial Steps to Take Before Filing for Divorce

There are several financial steps to take before filing for a divorce that can help you in the long run. Being organized before you’ve even announced to your partner that you want to separate can help you protect yourself and your assets. The first thing you’ll want to do is hire an experienced divorce attorney to represent your best interests. You’ll also want to organize your finances. Establish credit in your name if you haven’t already. And finally, close joint accounts or remove half the savings to protect yourself financially. Divorce can be incredibly stressful but a little prep work before you begin will be very helpful later.

Financial Steps to Take Before Filing for Divorce: Protect Yourself and Assets

Hire an Attorney

The first step to take before filing for divorce is to hire an experienced divorce attorney. They’ll be able to guide you and give you a breakdown of exactly what things you should be doing. They’ll be representing your best interests and will be a helpful asset to have on your side. Make sure that you find an attorney you are comfortable with and be honest with them.

Organize Your Finances

The next step you’ll want to take before filing for divorce is to organize your finances. Figure out what your and your spouse’s overall assets and debts are. You will hopefully split all of these things equally during the settlement. But your attorney needs to have a clear picture of what your financial situation looks like so they can fight for you. You’ll also want to organize documents relating to proof of income, student loan debts, and tax returns.

Establish Credit

If you don’t already have credit in your name, you’ll need to establish credit before filing for divorce. Some couples only have joint accounts. If this is the case, before you even announce your divorce to your partner, you’ll want to quietly begin building credit in your name. This is so that you’ll be able to buy a car or rent your own space once the divorce is over. One way to do this is to take out a credit card in your name only and begin using it and paying it off.

Close Joint Accounts

Finally, one final step to take before filing for divorce is to protect your assets in shared accounts. You need to protect yourself financially If you are worried that your spouse will raid your joint accounts and empty them. You can remove half of the money and move it to an account only in your name. In addition, it’s a good idea to close joint credit accounts so that your ex cannot run up charges that you’ll later have to negotiate in court. It’s less complicated if you can simply pay off any joint credit cards and then keep your finances separate moving forward until the divorce is over.

Divorce is stressful and complicated. It can also be extremely expensive. You want to start on the right foot by financially preparing yourself before filing for divorce. Hire a good divorce attorney so that they can guide you through the divorce proceedings. In addition, evaluate your overall financial health and organize the paperwork you might need. If you haven’t already, establish healthy credit in your name. And finally, protect money in your joint accounts and close credit accounts that are held in both your names. Hopefully, you’ll be able to protect yourself financially and get what you want out of your divorce settlement.

Practical Divorce Issues: Subtle Changes

It’s always good to do some proper prep work when you know you want to get a divorce. Still, you have to also keep in mind some practical divorce issues. These issues may not be related to the divorce process directly, but could come up as a result of it…

Practical Divorce Issues: What To Plan For

Team jobs

Team jobs can be the site of a lot of practical divorce issues. Usually, when a married person needs help, they’ll reach out to their spouse first. Many times, it’s for simple things that just require an extra set of hands, like moving some furniture.

However, you’ll now be down that other person. You might not think that’s an issue, but for example maybe you plan to move. What do you do if the movers accidentally placed heavy boxes or furniture in the wrong rooms? When you realize you can’t move these things alone, it’s time to reach out to friends and family for assistance.

Yard work

Other practical divorce issues can come up regarding yard work. Most couple tend to have one person take care of the yard work. Others may split up the duties, to help speed things up and evenly share the workload. With a divorce, you may end up finding yourself having to take care of the lawn yourself.

Of course, not taking care of the lawn makes it pretty unappealing and could even result in fines. Therefore, determine if you want to try and take care of everything on your own. If that doesn’t sound appealing, hiring lawn care professionals is also good if you have the money for them.

Administrative matters

 Some practical divorce issues can be cause by administrative matters. Each household will have someone who mainly handles these sorts of tasks. This tends to include things like paying bills, preparing taxes, and balancing the household budgets. They may also take care of things like school activities if you have kids.

With a divorce, you’ll now suddenly find yourself in charge of a lot of these responsibilities. It can be pretty overwhelming to have all of this thrown into your lap at once. As a result, it’s a good idea to reach out to your ex and ask them for some advice. If you left things on good terms, then they should be willing to give you a hand.

Divorce Cybersecurity: Improve Yours

In this day and age, staying safe online while divorcing is very important. That’s why it’s key you improve your divorce cybersecurity. Taking a few steps can really help protect you and your info online…

Divorce Cybersecurity: Changes To Make

Watch for cyberbullying

 Cyberbullying is one of the biggest reasons as to why you’ll want to have good divorce cybersecurity. Most people hear about cyberbullying in relation to when students at a school do it to someone else. In reality, it’s something which can occur to anyone, including adults.

Usually, cyberbullying is seen through repeated harassment and treats online, generally on social media. This can make you feel very depressed and lower your self-esteem. It’s a good idea to keep any records of this harassment, especially if it’s from your spouse, and then to block them and the accounts so you don’t have to see it anymore.  

Change your logins

A lot of people tend to use weak passwords and usernames for all of their online logins. While this makes it easy to memorize, it’s also a massive divorce cybersecurity risk. Therefore, it’s important you update this info to something tougher and different.

Most couples will share their login info for sites with one another to make things easier. This might’ve been no problem before, but now your ex could potentially have access to a lot of your sensitive info. Take the time to go through your passwords, make updates as needed, and set up extra security measures like two-factor authentication.

Unplug for a bit

One of the simplest ways to boost your divorce cybersecurity is by just not using the internet! That way, you don’t have to worry about seeing any sort of nasty things your ex may be saying to you. Plus, it gives you an opportunity to step away and find some better, healthier outlets for your feelings.

Still, that can be a bit easier said than done. These days in particular, a lot of people need to keep connected online to do their jobs. If you’re in this sort of situation, try to limit your internet usage. Stick to the essentials for work, and stay away from things like social media.  

Post-Divorce Healing: Helpful Methods

It can be a bit hard to start recovering from your divorce. However, a useful way to get this process started is by focusing on some post-divorce healing. These methods can help you to heal from your heartbreak and prepare for your post-divorce life…

 Post-Divorce Healing: Key Techniques

Accept the situation

It’s important to accept your situation in order to start your post-divorce healing process. Many people try to repress how they truly feel after their divorce. They may tell other that they’re fine, and even try to tell themselves that it isn’t all that big of a deal.

In reality, you might be hurting quite a lot, and that’s okay. You need to be able to accept that you don’t feel okay, and that the divorce has impacted you in this way. Once you’re able to accept that you don’t feel fine, you can really start working on feeling better again.

Take care of yourself

You’ll also want to take good care of yourself when doing post-divorce healing. When people feel depressed, they tend to stop taking care of themselves. For example, they may lay in bed all day, won’t practice good hygiene, and eat rather poorly. Some people may even turn to drug and alcohol to cope with their feelings.

Of course, not taking care of yourself will only cause you to feel even worse. This is why it’s so important for you to practice good, healthy habits. It might seem hard at first, but once you see how better you’ll feel, it’ll quickly become a part of your new routine.

Talk to others

One thing you don’t want to do is keep your emotions and feelings bottled up inside. While you may think this will help you get over your emotions, it’ll actually end up doing the opposite. What happens is these emotions stay below the surface and get stronger, until they eventually boil over in a way you won’t want them to.

Therefore, don’t be afraid to talk to others about how you feel. Talking out your feelings with friends and family is great for processing those emotions properly. Once you’re able to work through these negative ones, it becomes easier to focus on the positives instead.

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.

Divorce Conflict & Cause

Ideally, divorcing will be a smooth and peaceful process for both you and your ex. However, there are instances where divorce conflict can arise. By understanding what can cause this conflict, you’ll be able to better avoid it and calm things down in the future…

Divorce Conflict: Main Motivators

Unwilling to compromise

One of the biggest reasons for divorce conflict is an unwillingness to compromise. Nothing can be more frustrating than when one spouse isn’t willing to work together with the other. Showing a willingness to compromise means you’re willing to give up some of your wants in order to reach an agreement. If someone remains stubborn and refuses to do so, that’ll draw things out even further.

Of course, there are some things you or your ex may not want to compromise on. Still, there are probably some things you can meet in the middle for. Therefore, if your ex is willing to propose a compromise, give an effort to hear them out. It’s possible you can find some middle ground or agree on a separate compromise to get what you really want.

Poor communication

Issues with communication also tend to cause divorce conflict. Things tend to progress a lot more smoothly when you and your ex can talk to each other. That way, you both know exactly what the other person wants. However, if you end up fighting every time you meet, then this will just lead to more conflict and prevent any progress.

As a result, you should make improving communication a priority. Keep your conversations focused on what needs to be discussed and away from anything else which could cause tensions. Be sure to also remain respectful when talking to one another. If extra help is needed, it may be useful to consider using a mediator.

Trying to “win”

There’s a bit of a misconception that divorce is something you can “win.” Of course, you want to make sure you get a good and fair result. At the same time, you also don’t want to be very aggressive against your ex. Doing so can make them try and do the same and make your divorce conflict quite severe.

That’s why you should focus more on getting the result you’re happy with than trying to “punish” your ex. This will help your ex not feel like they’re on the defensive the entire time. Instead, it’ll encourage you both to work together.

Divorce Length: Contributing Factors

One of the most-common questions about divorce is about how long it’ll take. The thing is, divorce length can be impacted by a number of factors. However, these particular factors tend to be why your divorce may be longer or shorter than you anticipated…

Divorce Length: Key Aspects

State factors

Certain aspects relating to the state you live in can impact your divorce length. Every state has different laws about divorce. Some may require you to be separated for a period of time before you can divorce. Others may need you to be a resident for a certain amount of time. Ultimately, it all depends on what kind of laws a state does or doesn’t have.

There also things like how busy the courts are with previous divorces. Recently, due to the COVID-19 pandemic, many states have closed or limited access to their courthouses. Many couple who might have planned to divorce, or were in the process of doing so, are experiencing delays because of this.

Conflict

Levels of conflict will also have an effect on your divorce length. For instance, if you and your ex constantly argue with one another, then that’s going to draw out the divorce process. Not only that, but it’ll also potentially drive up your costs as you spend more time fighting and less time moving things forwards.

Yet, if you can work together with your ex, your divorce can not take as long. Plus, coming to agreements together will leave you with results that you’re both happy with. Approaching those more-sensitive areas like co-parenting plans and asset-splitting in a neutral manner can cut down on any potential conflict.

Emotions

Your emotions can impact both the divorce length itself, and how long it takes you to move on. Feeling really upset about the divorce can drain your motivation and make it hard to take care of divorce matters. At the same time, being angry at your ex can lead to more conflict, which will certainly increase how long the divorce takes.

Even when the divorce is over, you may have trouble shaking those feelings and starting your new life. Therefore, it can be good to look for ways to help you process these feelings. Meeting with a therapist or using other healthy outlets can help you process these feelings and not let them stall your divorce.

Parental Conflict: Spare The Kids

Emotions usually tend to run a bit high during a divorce. However, if you have kids, you won’t want to fight with their other parent in front of them. Rather, it’s important to spare them from as much parental conflict as possible. There’s a few ways you can shield them from those heated disagreements…

Parental Conflict: Protect Your Children

Don’t fight in front of them

For starters, it’s important you keep any parental conflict away from the kids. You don’t want to have a major argument with them there. Doing so will not only scare them, but it’ll leave a lasting impression. This will make it harder for them to adjust to the divorce and process it in a healthy way.

If you come to a disagreement, you should do your best to avoid escalating things into an argument. Keep your calm and don’t engage in any name calling or yelling. Still, if you’re worried about things potentially getting heated, you should ensure your conversations take place in private somewhere away from the kids.

Don’t vent to the kids

Even if you don’t argue in front of the kids, you can accidentally get them involved in parental conflict. In particular, this could happen if you vent to them about the divorce and their other parent. Some parents might think it’s okay to do so, especially if their kids are older and say they want to help.

The reality is venting to them will put them in an awkward position. Suddenly, they’ll feel like they need to take sides, which could cause their relationship with their other parent to suffer. Instead, you should only talk about the divorce and any issue you have with your support network.

Follow the co-parenting plan

You should also make sure that any parental conflict doesn’t get in the way of your co-parenting plan. After a fight with your soon-to-be-ex, you might want to “get back” at them. One way you may do this is either by not dropping off the kids when you’re supposed too, or otherwise not following the original plan.

What this does is basically put your kids in the middle of the divorce. Now, they’re going to feel like they did something wrong, and that’s why things have gone the way they have. Doing this will also negatively impact any co-parenting plans going forward, and could even hurt your divorce goals.

Divorce Recovery: Bounce Back

Divorce can be hard to deal with, even when you’ve finished everything. That’s why it’s important to focus on your divorce recovery. There’s a few steps you can take which’ll help you start to move on with your life again…

Divorce Recovery: Turn Things Around

Focus & reflect

It’s helpful to start your divorce recovery by taking some time to focus and reflect on what’s happened. It can be tempting to try and move forward and not think about the past. However, by doing that, you won’t process the baggage you’re carrying. This can come back to hurt you, especially in future relationships.

Rather, think about the issues you had in your marriage. What was causing you guys the most distress and arguments? By reflecting on these things, you can learn what to work on and avoid in the future. This will also let you set some good goals for self-improvement.

Keep busy

Keeping busy is also helpful for your divorce recovery. Having nothing to do will have you not just be bored, but also can cause you to dwell on negative memories. Thinking about all the things you used to do with your spouse can make you feel more sad and isolated.

Therefore, it’s good to keep yourself busy. One good way to do this is by finding a new hobby or activity. It’s especially handy to try and find something that has groups which you can join. Doing so is great for making new friends.

Practice forgiveness

It’s important to practice forgiveness as part of your divorce recovery. In specific, there’s two types of forgiveness to do. First, you should forgive yourself and not place all the blame on your shoulders. There are many reasons as to why things didn’t work out, but you aren’t the only one responsible.

It’s also good to try and forgive your ex too. After all, it’s not like they went into the marriage wanting a divorce. Both of you made mistakes, so it’s good to be able to forgive and move on. Holding on to regret will just pull you down and get in the way of your recovery.

Online Safety Post-Divorce

When your divorce is over, it’s a good idea to take some extra steps to keep yourself safe. In particular, you should be careful about your online safety post-divorce. Making some key changes can help you feel confident and safe when you go online…

Online Safety Post-Divorce: Key Steps

Watch your Social Media

Social media is something pretty much everyone uses these days. However, it can be pretty unsafe if you aren’t careful. That’s why one good way to improve your online safety post-divorce is by being taking precautions with your profiles.

To start, it’s good to not post anything which could get you in trouble with your ex and any agreements you have. Also, be wary of who you accept as friends or followers. Some of them could be people trying to either scam you, or steal personal info and try to hack your accounts. Try to verify a person’s identity before you accept their requests.

Don’t post personal info

Another key part of online safety post-divorce is not posting important personal information. This includes things like birthdays, addresses, and phone numbers. The last thing you want is for the wrong kind of person to have that info, and use it to either harass you or try to steal your identity.

This is especially important if you want to try online dating. Not everyone who has a profile on these sites is who they say they are! Some of them might be trying to scam you out of money or personal info. Always be careful and avoid oversharing with strangers.

Set up extra security

It’s also a good idea to improve your digital security to boost your online safety post-divorce. Many websites now have two-factor authentication. That means in order to log-in, you need to enter both your password, and a code sent to your phone or email.

This is a great way to prevent would-be hackers from brute forcing their way into your profiles. Plus, you might also want to sign up for security alerts. These will let you know when it appears there’s been a breach in your security. That way, you can respond right away.