People who are thinking about divorce should contemplate their decision before telling their spouse. Many times, people act on their emotions well before they have considered the ramifications of ending their marriage.
Here are a few things you should consider before speaking with your spouse:
Examine your financial situation
Review all of your financial records and data as well as your assets debts. Prepare a budget for your monthly expenses. It is easier to gain access to this data if your spouse is unaware you are thinking about a divorce. If you have major expenses such as credit card debt, mortgage or loans, it may be better to pay these off as quickly as possible rather than arguing with your spouse later about who would be responsible for them. You may also want to seek the assistance of a Certified Divorce Financial Analyst who is specially trained to understand complex financial issues surrounding a divorce.
Obtain a savings account in your name only
Some states are considered “equitable distribution states,” which means that your bank accounts are marital property and will have to be disclosed eventually. However, it will allow you to access cash during the divorce proceedings.
Get proof if your spouse is cheating
There are reasons that you want to get a divorce. The major one is infidelity. In this case, you will want to get proof that your spouse is cheating on you. If you suspect cheating, you can download an app such as https://catchcheatingspouse.net/ to help you get proof.
Seek the help of a family therapist
Divorce can be an emotional time. Seeing a family therapist to help you work out your emotional issues may be beneficial. Oftentimes, sadness, anger and/or frustration may lead to depression or other conditions. Just chatting with a professional may help you gain a better perspective on your current relationship.
Consult with a divorce attorney
Your final step is to consult with a divorce lawyer. You can ask them about how the divorce process works, what you can expect with the outcome and the type of settlement based on your financial situation. Your attorney may also be able to help you alleviate your concerns about identifying and dividing property, alimony and child support benefits, dividing assets, debt and loan issues. Of course, make sure you do your due diligence and carefully research the law firm or attorney you are seeking to hire.
There is no doubt that a divorce can be an emotional and costly process for everyone involved. It can cause a tremendous shift in your current lifestyle, destroy relationships, and leave your family emotionally impacted. But if you educate yourself as much as possible, examine your financial situation, before you speak to your spouse, you can better prepare yourself financially and emotionally. The more educated you become, the better equipped you will be to make this crucial decision on how to proceed. Carefully consider everything before you make a decision that will change your life forever.