Woman walking on beach thinking about divorce

36 Things to Do If You Are Thinking About Divorce

If you are thinking about divorce, your thoughts can fluctuate, ranging from the mere, fleeting imaginings of what life might be like if you were single, to the repetitive, torturous thought process of “Should I or shouldn’t I divorce?” While one end of the spectrum is entirely normal for many people, the other end can signal serious problems in and for a marriage.

Based on our background in education and experience working with clients in our divorce practice, we’ve identified the following 36 things that can help you understand where you are on the spectrum of contemplating divorce and what steps you can take to gain greater clarity and stop the recurring thought process.

As you complete each step you will be doing more than merely thinking about divorce. You will begin to better understand which direction your marriage and life might go.

  1. As you first contemplate divorce, you may or may not know if you want to divorce. Accept that this is entirely normal. What you “want” may be entirely different from what you ultimately decide you “must” do. Your job right now is to study and learn what is possible for you and your family.
  2. Educate yourself. It’s likely that you feel you’ve reached an impasse in your marriage and your emotions may be all over the place. You might be incredibly angry and lashing out. Or perhaps you have retreated, feeling despondent, probably depressed. This is to be expected, but you should not be making long-term decisions from this emotional place. Start educating yourself by looking for credible divorce resources. Visit your nearby bookstore or search online. There is a wealth of information available to you for free.
  3. Understand that getting educated about the choices you have for your life does not mean you are necessarily getting divorced. You are learning about your options and what your rights are so you can ultimately make a good decision from an informed place.
  4. Establish a new (secret) email account dedicated to this subject. Take care to use a “private” or “incognito” window so that the computer does not create a history of where you’ve been when you go to log on. And take time to create a new email address. Use this email to sign up for divorce information and newsletters that might advance your thinking and understanding.
  5. Save cash. Should you decide to pursue divorce, you will need access to money. If all your money is in joint accounts with your spouse, check with a lawyer as to when you can open your own account, or start stashing cash in a safe, secret place. Maybe you’ll never need it, but if you do, you’ll be glad you started saving now.
  6. If you feel you may be a victim of abuse, take action immediately.  There are many signs and forms of abuse, and sometimes it’s difficult to know if you are a victim. A clear sign is this: If you find yourself constantly watching what you are saying and doing, or walking on eggshells around your spouse–lest you trigger him/her and “cause” a blow up, you are likely in an unhealthy and abusive relationship.  Focus your attention there.  Read more about this and take action to protect yourself and your children. You may feel you can handle it, but things will not improve unless you do something to change the way things are now.
  7. Make a list of your most critical financial questions.  If you divorce, will you have to get a job if you’ve been a stay-at-home-mom? If you have debt, do you understand half the marital debt is yours? Should you use your IRA to help pay for your divorce? Keep a running list of questions as they occur to you.
  8. Be careful in whom you confide – this includes family.  Few people can be truly objective, and fewer still are marriage or divorce experts. Yet, there are plenty of opinions and judgements. Just because your neighbor got burned by his ex, does not mean that’s what’s in store for you if you choose to divorce.
  9. Do your best to conduct your research from a healthy mindset. It’s easy to vilify and blame your spouse for the problems that exist, but deep down, you know no one is totally faultless. As you learn about the issues in your marriage and what is possible for your lives, try to avoid the adversarial, vindictive, blame-gaming, and often, gender-bashing attitudes some books, some social media posts, or some people propagate.
  10. Evaluate your biggest fears. Do you fear you cannot “afford a divorce?” Are you afraid what divorce would do to your kids and thus, staying in a marriage “for the kids”?  Writing down your fears may help you examine their validity.  You may recognize you cannot not afford a divorce because you need your sanity…or that you are really hiding behind the kids so that you don’t have to be a single parent or face being alone.
  11. Think of how your kids are being impacted now and will be impacted long term. If you are a parent, and you and your spouse are fighting, look at yourselves as your kids might view you. You may think they don’t know what’s going on, but on some level they do, and it’s anxiety inducing for them. Your lack of clarity and unresolved difficulties or the warzone you have created is playing out in their lives, too.
  12. Avoid venting on social media. Watch out for where you vent and be wary of social media. If you say something online, it’s there forever and can be used against you. Same for emails. Before posting or hitting SEND, review what you are saying as if you were a courtroom judge. Be very careful.
  13. Recognize that marriage does not come with an owner’s manual. In our culture, most of us are poorly prepared for making a marriage work. Often it is something we learn — or fail to learn — behind the marital door. At this point in your relationship, it’s not worth beating yourself up…that energy is better spent figuring out what to do about your situation today and how you will move forward tomorrow.
  14. Ask yourself, is there is any love left? Do you still love your spouse? Love is sometimes hard to find when you are consumed by anger, resentment, or are stressed out from overworking, parenting, or a million, everyday struggles. If there’s even a hint of love left, however, it’s worth asking the question, “Can we re-ignite it?”
  15. If you decide to stay in the marriage, set your intention and begin work together. Discuss with your spouse how you are going to work on your marriage so you begin to do things differently and not repeat the same old story. It’s unlikely that you will be able to do this without the support of a professional, so we suggest that you seek a trained marriage counselor.
  16. Evaluate what you have done as a couple to repair your relationship. Have you sought good quality help? Not all couples therapy is created equal. If you’re working with a therapist and you’re not making progress, it does not mean you should necessarily divorce. Investigate which types of marital therapy have the best success rates and find a trained practitioner who will teach you how to communicate with each other and help you both understand that growth and change require a deep commitment from both of you.
  17. Consider Discernment Counseling. Particularly helpful to couples where one partner wants to divorce and the other wishes to repair the relationship, discernment counseling helps couples understand if their problems are solvable. An added benefit is that the counseling is designed to be short term and to help you answer the important question, “Should we get a divorce?”
  18. Think about your role in the difficulties of the marriage and do not isolate yourself. If you are convinced that marital therapy is not working or that your spouse is not participating, or that your efforts to try to do things differently are failing, do not isolate yourself. Seek to move beyond wondering if you should divorce. Being alone darkens your sense of possibility and hope. It keeps you in a spin cycle of overthinking.
  19. Begin assembling a list of your most critical legal questions. Do you separate or do you divorce? If you were to divorce, how do you go about it? Do you know the different ways? Is Mediation an option for you? How do you find a good attorney? What are your rights? What do you not know?
  20. Read about the divorce laws in your state. Laws vary and what is possible in one state may not be possible in yours.  Most states have a section on the court website to help you understand the divorce process where you live. Start there.
  21. Consider a Time Out. Often when there’s a physical shift between a couple, it’s easier to think straight and reflect on what is really important. Consider taking a long vacation away from the other, or a house-sitting job. If you wish to live separately make sure you consult with an attorney in your state before doing anything — especially if you have children.
  22. Organize and prioritize your most critical practical questions. If you’ve never paid the bills before, how would you begin?  If you work overtime most days, who would be home for the children after school — if your spouse is no longer there? Keep a running list and add to it as you think of things.
  23. Move beyond the cyclical thought process of thinking about divorce by consulting compassionate, professional support. We recommend your first step be a consultation with a divorce coach. A divorce coach can help you understand the legal and emotional process you may be facing and the issues that are holding you back from making a decision. A good divorce coach will help you evaluate what’s real and not, and help you take steps to face your fears. A divorce coach can also explain the different legal processes that may be available to you. Learning about your choices will allow you to go deeper and be more educated if you choose to then consult with the next level of experts (lawyers, financial advisors, mediators) whose hourly rate is often more expensive.
  24. Ask your divorce coach, therapist, and friends for vetted referrals to other experts, including lawyers. You are seeking perspective and feedback on your situation, and if you think you are ready to hire someone, you are looking for chemistry and someone you can trust.
  25. Schedule consultations with several attorneys and/or a mediator.  We recommend that you interview several. Bring your legal questions from step #19, or for more information, read here for additional questions. Don’t forget your notebook for taking notes and your last 3 years’ tax returns (if possible.)
  26. Consider having your friend or divorce coach accompany you to some or all of these professional meetings. There is a lot to learn and keep track of at the same time you are feeling stressed. Having an ally to help you take notes and bounce ideas off after meetings will lessen your strain on trying to be on top of everything.
  27. Strategize about how you might pay for a divorce. Will you use joint money, a loan, a credit card, your secret stash (#5), or borrow money from a friend or relative or from a saving account or your IRA? Learn the laws about “counsel fees” in your state and ask the attorneys you are interviewing how you might pay their retainer and ongoing fees.
  28. Branch out and talk to more experts who can help you answer your other questions. Often a financial advisor experienced in divorce will think of things a lawyer will not mention. S/he can possibly help you strategize how you might pay for a divorce or what might be in your interest to ask for in the settlement. A child therapist who has counseled other parents through divorce may do much to help you support your child. A real estate broker might advise you on your practical housing questions, such as the pros and cons of renting vs. buying if you divorce, or what your house might be appraised for. When a question comes to mind, think about who is out there and who might have the answer for you.
  29. Understand there will come a tipping point and you will make a decision about divorce. Despite your best efforts to get educated beyond just thinking about divorce, rarely will you know 100 percent if you should or should not follow through. Usually there remains some portion of ambivalence, but know that at some moment in time, you will reach a saturation point of information and either you’ll be ready to make the decision to stay or go — or the decision will be forced upon you.
  30. You are not ready for divorce If you cannot accept changes. If you cannot accept there will be a change to your finances, lifestyle, friendship groups, or traditions, you are not ready for divorce. If you cannot accept uncertainty … that at times there will be fear and unknowns, then you are not ready for divorce. On the other hand, you may have no choice. In which case, you must face your greatest fears. Seek support.
  31. If you decide to move ahead with the divorce, set your intention. Determine how you want to conduct yourself throughout this difficult passage and beyond. Remind yourself you will have no control over your spouse, but you will try your best to control how you act and react. If you have children, ask yourself what is the model you want to show them? Write down the image of yourself as the parent you want to be. Establishing a clear image of who you want to be and what you want to demonstrate for your kids will help you in this next often-difficult stage.
  32. Understand that you want to avoid divorce court if you can help it. Rarely is anyone completely happy with the terms of his/her divorce, but to avoid getting a judge involved, you will have to be flexible, negotiate in good faith, and compromise on tough issues. Being stubborn or vindictive is what drives people to litigation. That means court. (The truth is that less than 10% of cases end up in a full blown trial; but those that do, end up with massive legal bills and a destroyed relationship.)
  33. Start collecting your financial information.  If you choose to begin divorce proceedings, you will be required to disclose your finances early in the process. Most states have a required financial statement form (though different states have different names for it — check your state court website). Begin filling it out or hunting down the information to get a head start.
  34. Learn what your next steps are and what the process will look like. A divorce coach will act as your guide throughout the process, but if you are not working with one (or cannot afford one at this time) consider a good divorce support group that is professionally facilitated and where you will learn from the experiences of other women.  Read this article to learn meaningful criteria for a good divorce support group, and find one on-line or near you. Feeling supported and heard, will lessen your anxiety and stress.
  35. Be kind to yourself. Understand that there will be times you feel crazy, like you’ve returned to your old loop of contemplating divorce and wondering if you are doing the right thing. But because you followed many of these steps, you are not embarking on this path lightly. You have taken every opportunity to be thoughtful about facing this major life-change, divorce, and though you many not desire this outcome, you have done your homework.
  36. Know that there is life after divorce. What stands directly in front of you is moving through the divorce process and ensuring your divorce recovery. It will be challenging. But for you and your family to stand the best shot at a healthy life afterwards, you must continue to step forward mindfully and with intention. There is life after divorce. You probably cannot see it yet. You certainly cannot feel it. But it’s there, bigger and better than you can imagine, waiting for you.

Whether you are considering a divorce or already navigating the confusing experience, one thing we see making a significant difference for women is the conscious choice to not do divorce alone. Since 2012, smart women around the world have chosen SAS for Women to partner them through the emotional, financial, and oft times complicated experience of divorce.

SAS offers women 6, FREE months of email coaching, action plans, checklists and support strategies for you, your family, and your future. “A successful divorce requires smart steps, taken one at a time.” – SAS for Women 

Divorced women on a boat

11 Truths Divorced Women Want You to Know

If you are thinking about or dealing with divorce, it’s human nature to want to hear things from other women who have survived it. We want to compare our experiences of hell, and we want to know how they did it, ultimately, how they, women like us, championed through it. Hearing their story creates a bond that pulls us in and lessens the magnitude of our own story and the depth of feeling so very alone.

As women who work with women dealing with divorce, we know this to be especially TRUE, and so whenever possible, we like to share some of the insightful gems we hear when women open up and talk about their experiences. There’s nothing like a smart woman for calling the issues out.

Here are ten truths divorced women want you to know about and to be on the lookout for.

You can’t Google-solve your divorce

“When my marriage was breaking up and I was trying to survive,” says Kelly, an accomplished professional in her forties, “I tried to figure out everything using Google. But it became a rabbit hole! What helped me more was accepting that everything was in flux and not so easily solve-able. That divorce wasn’t just a document, or a financial readjustment, or things I could learn on the internet. It was a life shocker involving me to get really clear on who I wanted to be now that everything in my life had been chucked. Once I got that it helped me realize the journey, what divorce recovery is. I realized I would not be put together for a long time.”

It’s normal to be afraid

“Once I accepted it was normal to be afraid,” laughs Jessie, “it was freeing. Like it allowed me to relax a little. Being afraid doesn’t mean you can’t do it.”

Lonely is not the same as alone

“All my life—even probably causing me to marry,” admits Susan, a woman in her sixties, “I was afraid to be alone. And later it was definitely one of the things that kept me in a dysfunctional place—just being scared to be by myself. I was afraid I could not survive. But now I wake up by myself. I am alone, I realize being lonely is very different than being alone. Lonely means missing, feeling incomplete, wanting or feeling a lack of someone or something. Alone! Alone, I like being alone now and doing things I want to do. I don’t find myself or my life lacking.”

It’ll be normal for your kids to hate and judge you

“One of the hardest things for me was hearing my kids say what they said,” says Karen, a mother of three teens. “They really knew how to hurt me. Despite my efforts to do things healthily, I was human and at times I failed. And it’s clear I failed BIG TIME sometimes! But what I tell my friends now who are facing divorce is that your children will not always understand what’s going on—and neither will you all the time. But your kids don’t have the life span on this earth to understand. Until they do, they need your sympathy and support, not their shoulder to cry on.”

There’s a big difference between signing an agreement and healing your heart

“To help you stay organized,’ says Penny, a woman married for more than twenty-two years, “It can help if you think of the emotional journey through divorce like a roller coaster. And then outside the game park, your legal process. There’s a really big difference between the two, and it’s important to keep them separate. This means doing something for your emotions when you are triggered or upset or falling down. You got to find a safe place to go. Like my therapist was my godsend. And separately, you’ve got to look at the business transaction of the divorce and use a completely different part of your brain when you are making smart decisions there. Don’t lead with your emotions in the business transaction!”

Let go of “right” or “wrong”

“Stop trying to view your choices as right or wrong,” counsels Marcie. “The best decision making in divorce, is often not a question of what is right or wrong but what makes the most sense, what seems like the healthiest approach. Once you realize this, you become much more comfortable with the gray in life and a better problem-solver!”

There are great people waiting for you

An exciting, whole, new community of people are waiting for you. They understand what you’ve been through (they’ve got quite a few good stories of their own), but they don’t want you to stay wallowing there. They want you to step into your new chapter like them, and to keep learning, to keep living. Let’s start creating that life right now.

Stop listening to people who don’t know

There’s nothing wrong with you if you don’t want to date after divorce. Don’t listen to your well-meaning friends, family, or annoying neighbors who urge you to “get back out there” if it doesn’t appeal to you now or ever. You’ve got a million other things to think about, feel and enjoy.

Your best days are coming

“I am convinced the biggest most expansive moments, happen post-divorce,” says Jennifer who has moved to a new country. “I had no idea how finding out about me on a soulful level would automatically translate into my finding more and more situations that inspire me. I am not sure if it’s because one is more grateful or aware, but listening to who we are, becomes self-fulfilling!”

You will learn much more

You know how you feel tired these days? How you feel like an old dog who could not stand to learn anymore tricks? “Well, I’ve got news for you,” says Deshum. “As tired and baked as you might feel now, you can and you will still learn new things! It’s called adaption, and Charles Darwin knew it’s important for you to learn, change and adapt so you can stick around. So get excited because you’re going to learn to Tango!”

Love is there

“Some of us are hurt. We’re wounded,” shared Maria quietly. “We don’t know what to think of love, or if we will ever want a part of love again. I know I never thought I’d be in a relationship again. I just wasn’t interested. After my divorce, I was building my business, and working so hard. I honestly wasn’t interested even in dating…But then, love suddenly happened. Out of the blue! As if to remind me that love existed before my marriage, and during my marriage. And yes, it exists still…after divorce. Watch out, because love can find us.”

Change the course of your life—AFTER DIVORCE—this October. Spots go quickly

Paloma’s Group™: Learning the Art of Reinvention. For newly independent women, post-divorce. Over the course of (only) 3 months, each group-class ​builds on a core theme required to ​design a life you deserve. Schedule a free 45-minute coaching session to explore (and experience) how this remarkable group of post-divorce women will plan and act on creating a life they love.  

We promise — whether you join us for Paloma or not — you’ll walk away from your complimentary coaching-session discovering a next step in your unique After Divorce journey. 

“We choose not to do it alone.” ~ SAS for Women

*At SAS for Women, we respect same-sex marriages, however, for the sake of simplicity in this article we refer to your spouse as a male.

How to reinvent your look after divorce

How to Reinvent Your Look After Divorce

It might be a cliché to reinvent your look after divorce, but that’s never stopped anyone before. Let’s face it—getting a divorce is a stressful time for most, but there are a few ways that you can get through it and boost your confidence. Sure, everyone has different circumstances. There are plenty of ways you can handle the emotions that come with and the stresses of a divorce, but no matter what, your goal should be to handle it all with dignity.

Having confidence in yourself is important to get through a divorce with a positive attitude and some fighting spirit.

Reassess your look

It’s common for women in a long-term relationship to “let things slide” when it comes to their wardrobe and overall look. We tend to fall back on comfortable clothing and casual wear. After all, being in a long-term relationship is supposed to be comfortable, and we don’t need to find a new partner because we already have one!

Following the break-up, during your divorce recovery, it is all too easy to get sucked into a negative mindset. We feel bruised and numb. The emotional upheaval is real. You probably won’t care what you look like for a while, but once you are over the worst of it, it’s time to reassess and decide where changes can be made in your wardrobe.

Take a long, hard look at your closet. Throw out all your dated clothing and unflattering sweatpants. It’s time to start looking like a hot, single again. (Or, at the very least, trying to!) There’s nothing stopping you—reinvent your look after divorce.

Being confident in your style

The key to being confident about how you look is to believe you are confident. One way to do that is to play the part. You will easily feel more confident if you leave the house each day having made an effort, so don a new bright lipstick, put on clothes that make you feel good, make an effort to do your hair—whatever it takes to feel strong and confident in yourself.

Many people feel more confident if they are dressed up, versus feeling sorry for themselves in pajamas and a baggy t-shirt. While being in your comfy clothes to lounge around the house is okay, don’t let it become a habit. Keep comfy clothes for bedtime. Make sure to get dressed and look smart for the business of the day.

If you don’t have anything in your wardrobe that makes you feel and look good, go out and buy yourself something that will. Right now, you are in control of your decisions, and you should do things for you. If buying a new handbag will make you feel more confident in yourself, then go ahead.

But rather than impulsive purchases, take the time to think about what you want, and purchase something that is going to be treasured by you. Online sites such as SSENSE have lots of luxury fashion items, such as Saint Laurent handbags, which could make a great investment piece.

If there are things you’ve always wanted to have but felt selfish in doing so, now is the time to be selfish. Do things for yourself, and treasure the independence and freedom you have right now. Like we said before, you’re in control. You can absolutely reinvent your look after divorce.

Now, that’s not to say you should go out and spend money recklessly, but you could make a day out of treating yourself and invite a close friend who always knows how to make you feel good. Spending time with the people who support you is also a great confidence booster, and any good friend will know how to be there for you, just as you would be there for them.

If shopping isn’t your thing, consider other steps to take solo and with friends—as long as you are enjoying yourself and spending quality time with the people you love—including yourself.

Curate a capsule wardrobe that flatters your shape

Whether you are ready to embark on a fitness program, taking up yoga to fight post-divorce depression, or not, it’s time to curate a capsule wardrobe that embodies the new you. Mix and match your looks for work, nights out with girlfriends, and eventually, dates. Pull together a series of different looks using timeless classics and up-to-the-minute fashion items.


Looking to move beyond your wardrobe? If you are newly divorced and wondering how to rebuild your life in 360 degrees, you want to know about Paloma’s Group our Life After Divorce Support Group.


It’s OK to buy some cheap fashion pieces, but if you want a more stylish look, invest in a few good quality classics like a blazer, designer white tee, and a good quality pair of jeans. Don’t forget about footwear and accessories too. These help you pull together a more cohesive look.

Finally, what is important to remember is that you will grow and learn from this experience. Things are going to be tough, and your life will seem incredibly difficult to deal with at times. But this post isn’t just about how to reinvent your look after divorce—it’s about taking one step closer toward changing your entire outlook. If you focus on yourself and the love and support of your close friends and family, eventually the pain will be something in the past.

Cultivating confidence in yourself to build a brighter new future will help you move forward, so keep going. You WILL eventually get to a place where you and more positive things reign.

Rosana Beechum is a young lady focusing on rediscovering her sexuality as a divorced mother of two. Whilst doing this, she is looking to share advice with fellow women in a similar situation emphasizing the importance of looking after yourself in terms of mind and body. 

Since 2012, smart women around the world have chosen SAS for Women to partner them through the emotional, financial, and oft times complicated experience of divorce and divorce recovery. Experience SAS firsthand. Schedule your free, 45-minute consultation to hear perspective, next steps and the best resources that will honor your life and who you are meant to be.

Thinking about mental health in a relationship

Reasons to Always Check Your Mental Health in a Relationship

People say you can forget yourself in someone else—given that, it’s no wonder people also forget about their mental health in a relationship. It can be hard to squeeze in self-care on a good day. When things in your love life feel precarious, everything, including yourself, seems to fall to the wayside.

Relationships can come with many challenges, but like most of us, you and your partner likely aim to solve whatever problems come your way together. But sometimes, events may lead to that mutual understanding and trust dissolving right before your very eyes. The “band” has broken up. You’re no longer a team. A divorce or separation seems inevitable. If you find yourself in this position, don’t forget about the importance of checking your mental health.

While there are plenty more, here are four reasons why you should always check your mental health in a relationship:

1. Mental and physical health may form a link

Certain thought patterns may let the body feel specific feelings. If you’re watching a scary movie, your hair might stand on end, or if you’re falling in love, it might feel like there are butterflies fluttering in your stomach.

Now, many relationships come with challenges. For instance, you or your partner might be working day and night to meet deadlines. This scenario may leave the other person in the relationship feeling alone. It might even lead to a lot of overthinking.

Negative thoughts may result in physical manifestations of those views. The anxiety and worry might make your stomach churn as you think about your partner and your relationship. The extra stress might make you lose your appetite.

If faced with challenges in your relationship, consider taking deep breaths. This action may seem simple, but it might help you think more clearly. Don’t let pride get in the way of a healthy, loving relationship. There might be times when you have to be the better person as you take a step back. Focus on your thoughts and breathing patterns.

And if you or your partner are having difficulties that are already affecting your mental health, consider seeking professional advice.

2. Mental health may affect social interactions

Social events like working in an office, interacting with family members, and ordering coffee at the local café may seem like everyday tasks. However, these interactions require a person to have sound mental wellbeing.

Challenges in relationships might create negative thoughts that affect these social interactions. If you fight with your partner before heading into the office, it might change your work ethic. Routine tasks like documenting reports might feel like more of a challenge than usual. Arguments may replay in your mind. Seemingly routine tasks like ordering coffee or talking with a relative might become more tiresome than the norm.

Despite whatever is going on in your relationship, it’s essential to redefine your focus for the day. Head to a quiet room as you try to listen to your thoughts. Play happy music to help you relax. Try not to let the last fight with your partner hinder you from completing important tasks. And again, if you think it’s becoming a larger problem, consider seeking professional counseling services.

3. Current mental illnesses may worsen when provoked

Couples may already have certain mental illnesses before their relationship starts. These ailments may include mood, personality, and anxiety disorders—and because of that, they might affect your mental health in a relationship.

Having bipolar disorder means you have alternating instances of ecstasy and depression. These feelings may come and go without warning. Your happiness, sadness, and anger may become extreme. The adverse events happening in your life might make you burst out in anger at your partner, even if your partner isn’t the primary cause of those emotions.

Consider finding a happy place inside your head when stressful events seem to come from all sides. Talk to your partner about your mental condition. Your partner may be able to help you find solutions to cope with your mental illness. Keep in mind that one of the essential aspects of a long-term relationship is proper communication. Handling stress might seem complicated, but always remember that your partner is there to help you in times of need.

4. Physical health might worsen when mental wellbeing drops

You might be living with a chronic illness that may make everyday tasks more challenging to deal with. A few examples of these chronic ailments include cancer, diabetes, and heart-related concerns.

Physical health concerns might worsen when you don’t care for your mental health. Depression, for instance, may lead to unhealthy appetites, which can then lead to other health issues like anorexia or high blood pressure.

Don’t forget to think about yourself even when you’re in a relationship. Self-care is even more important during trying times in your relationship, like when you’re filing for divorce. While working together is still a critical aspect of a long-term relationship, consider thinking about yourself when needed, especially if your partner isn’t around to be there with you. Search for things that can help you relax. You might want to carry a stress ball around with you, for example, or eat your favorite, healthy comfort food.

Try not to let your emotions get the best of you when battling negative thoughts. Outbursts may cause mental and physical health problems. Check for the signs of mental health issues before they worsen. Above all, opt for professional counseling services if you find it too difficult to cope with what’s happening around you.

This article was written by Rebecca Hawkings who loves life and loves to help people change their lives for the better. She’s volunteered in the past to help those who are less fortunate and currently works full time while studying to become a psychologist. 

Since 2012, smart women around the world have chosen SAS for Women to partner them through the emotional, financial, and oft times complicated experience of divorce and divorce recovery. Experience SAS firsthand. Schedule your free, 45-minute consultation to hear perspective, next steps and the best resources that will honor your life and who you are meant to be.

Tips for Women for Love and Health

Tips for Women Taking a Holistic Approach to Love and Health

When you hear about taking care of your health, your mind almost instantly goes to tips for women about eating well and exercising—about not “letting yourself go.” The reality is that there is more to people than their physical bodies and digestive systems. There is mental health wellness, like taking care of yourself emotionally and acknowledging that being sexual is both healthy and necessary, for instance.

To take a holistic approach to enhancing your health, all areas need to be addressed. Ensure that your love life isn’t neglected and give it as much care as you do your physical and mental well being. It can sometimes be difficult to determine where to start depending on where you are in life, but these tips for women should be a good jumping off point and hopefully get you motivated.

Learning and recognizing what your sexual needs are

Just as there are people who enjoy hitting the gym regularly, jogging every morning, or doing aerobics at home, everyone has different sexual needs. Human sexuality is intrinsic and natural. Whether you are single or in a committed relationship, you have to make your sexual needs a priority. Human sexuality is based on more than just physical satisfaction. There are elements such as intimacy, variety, and even expression.

Learning what exactly your sexual needs are can be hit or miss. But after divorce, it’s important to experiment and educate yourself so that you can fulfill your needs the same way you do in other aspects of your life.

Enhancing your love life

Besides accepting the fact that all humans have sexual urges and needs and that they’re natural, there’s also the fact that there’s nothing wrong with utilizing enhancements. There are many different items, supplies, and enhancements that can be used to improve your love life.

Even if you aren’t normally the adventurous type, trying out different types of sex toys and enhancements can really change and improve the way you feel about yourself. Some would describe the best strap-on sex toy as one that allows both people to feel satisfied. Wet for Her is a good company to check out if you are looking for sex-positive accessories and toys you can incorporate into your sex life. (Remember, experimentation is good—there is absolutely nothing to be ashamed of.)

Experimenting in the bedroom

You might have a set routine when it comes to intimacy. Things may begin, proceed, and end very similarly nearly every time. But routines can become habitual in a way that’s no longer exciting, and experimentation helps people have the best overall sexual health.

Now being sexually “adventurous” or even just being open to trying out new toys, positions, etc. isn’t something that you have to do all the time. In fact, many couples choose to experiment only on a semi-regular basis. When you find what works for you, it isn’t really necessary to reinvent the wheel. Instead try to think of experimenting in the bedroom as a much-welcome surprise that you get to endeavor in every once in a while.

Becoming empowered

At times, taking care of your health and love life can be difficult. Especially if your love life might be going through a rough patch. For most people, this can happen during a breakup or even after divorce. When you part ways with someone you have been in a relationship with for a very long time, your sexual health might be something that you put on the back burner.

It’s important during times of difficulty that you take the time to continue to explore your sexuality—empower yourself with it. While exploring you might discover things that benefit you that you were unaware of before. These are tips for women, specifically, because we don’t know often give ourselves permission to be completely selfish.

Just as you should exercise on a regular schedule and avoid eating unhealthily, your sexual health must be a priority. Take some time to be celibate and clear your mind if you’re single or getting over a break-up. If you’re in a relationship, be open to trying new things and listen to your partner’s suggestions.

At the same time, don’t be shy when it’s your turn to speak up. If there is something going on in the bedroom you want to talk about, make your thoughts known. Likewise, if you and your significant other have recently tried something new that you really enjoy, don’t hesitate to let him* know what makes you happy. As you continue on your divorce journey know that when you take a holistic approach to your health, a happy love life naturally follows.

Rosana Beechum is a young lady focusing on rediscovering her sexuality as a divorced mother of two. Whilst doing this, she is looking to share advice with fellow women in a similar situation emphasizing the importance of looking after yourself in terms of mind and body.  

Since 2012, smart women around the world have chosen SAS for Women to partner them through the emotional, financial, and oft times complicated experience of divorce and divorce recovery. Experience SAS firsthand. Schedule your free, 45-minute consultation to hear perspective, next steps and the best resources that will honor your life and who you are meant to be.

 

*At SAS we respect same-sex marriages, however, for the sake of simplicity in this article we refer to your spouse as a male.

family learning how to coparent

20 Spot On Steps for How to Coparent Pre- and Post-Divorce

Whether you are divorced, thinking about getting divorced, or somewhere in-between, it’s hard to maintain a strong coparenting relationship with an Ex. It’s important to remember, no matter how old you or your children are, it’s likely their father* will always be a part of your life (though one can hope that role gets smaller over time). Learning how to get coparenting right is crucial.

While it may not always be clear what “good coparenting” looks like, we know that bad coparenting often leaves you feeling exhausted. Many divorced parents feel like they are doing everything on their own. And that’s another kind of soul crushing—you’ve already lost your partner in love, but you hoped that your partner in parenting would always be by your side.

If you have gone through an especially bitter divorce, one where heated words were exchanged or an affair was involved, keeping coparenting in mind at all can be especially difficult. But your role as a parent doesn’t end at your Ex’s front door. If you simply don’t want to know what goes on in your Ex’s home besides that your children’s basic needs are met, you’re cutting off a part of your children’s lives that is important to them—the part of their life that involves their father. Yes, your relationship with him has changed, but their relationship with him hasn’t. Or, at least, it shouldn’t have to.

There is a big difference between parenting on your own and coparenting with your Ex to make decisions about your children together—decisions that will help them grow into happy and healthy adults who have a strong bond with both parents.

Because we understand that divorce is never black and white, that it has a way of bringing out the worst in us, we have some tips on how to coparent pre- and post- divorce that will support you during your journey.

Coparenting pre-divorce

1. No matter what the terms of your divorce are or how you feel about your Ex, it’s important to maintain your composure and lead discussions about your divorce with dignity and integrity. Keep your children in mind always.

2. When you tell your kids about your divorce for the first time, try to make sure your husband is there with you and that you both agree on the boundaries of what can and cannot be said. You want your children to be informed of how the divorce will affect them and your family as a whole, but you don’t need to give personal details that can damage their view of their other parent. Hearing the news from both parents reinforces that neither of you is abandoning your children. For support on how to break the news or keep speaking to your children about this tough subject, check out books for smart suggestions.

3. If the above is not possible because your husband cannot control himself, then you might have to come up with a script to start a dialogue with your children about your reasons for divorce without your husband. We’ve had clients in the past tell us how poorly this first divorce talk went—husbands who make the talk all about their own feelings, their pain, and who leave little room for the kids to talk.

You know your family and you know why you are divorcing your soon-to-be Ex. Trust your instincts, measure your unique situation, and figure out what needs to be done.

4. Try to have regular check-ins with your kids and see how they are doing throughout your divorce journey. Let them know that you are open to hearing whatever their thoughts and feelings are, without resentment or judgement And that you will try to explain as best you can without putting the burden of personal information (like an affair or a list of their father’s flaws) on them.

5. Remind your children that they are loved by both you and their father throughout the divorce process and continue to do so after—when settling down into your new life. This might seem cliché, but depending on the age of your children and the state of your marriage prior to your divorce, this whole experience may be quite surprising for them and shake the foundation of love and support they thought they had.

Remind your children that your divorce has nothing to do with your love for them nor your Ex’s love for them. This can help your children get over their initial shock.


If figuring out how to break it to your children is just the tip of the iceberg as you consider or begin divorce, learn about Annie’s Group and how you can get the support you need for your next smartest and healthiest steps.


6. Make sure your kids have a strong support network during the divorce—outside of you and your Ex. Have the kids visit with family members. Make sure they feel comfortable talking to their friends and knowing they can have a life independent of your divorce and your needs. You want your kids to have safe spaces and safe people they can turn to during this stressful time in their life.

7. Keep in mind that, whether you initiated your divorce or not, you still have more power and more control over the situation than your children do, which makes things easier for you to process than your children. Even if you don’t really fully understand the reasons for your divorce, you have a better sense of what happened because you lived it.

Sometimes your kids will resent you—sometimes it may even feel like they hate you. But that’s okay. It has to be. Just like you, your children are in pain and stressed, but they may lack the maturity to get through this period of their lives without lashing out or shutting down. It’s your job to suck it up and take one for the team. It’s your job to support your kids, to reinforce that they are loved, and to remind them that you are still a family.

Coparenting post-divorce

8. You might be excited—elated, even, to leave your old life behind—to move on or still grieving, but your kids are likely to be stressed, shocked, or even resist a possible relocation. Not only do your kids have to get used to two different households, they have to get used to two entirely new places filled with new people and, possibly, new rules. This, combined with the stress of the divorce, is a lot for children to handle.

Be sure to let your children know that you understand why a new move is difficult for them and try to reassure them that they can still participate in the same activities and keep in touch with their old friends as well as make new ones. Encourage your kids to share their anxieties and concerns about the move, and reassure them that you and their father will be there to support them through it.

9. While you want your kids to be open and feel comfortable telling you what happens at their father’s house, don’t force your kids to be messengers or to spy on your Ex. Some kids will want to tell you everything, and some don’t.

After your kids visit with their father, make basic conversation starters like “did you have a good time?” If your kids want to talk, they’ll talk. If they don’t want to talk, don’t push them. Sometimes kids want to be left alone. If you have a strong coparenting relationship, hopefully your Ex will let you know if there’s anything noteworthy going on when he has the kids.

10. Sometimes, however, kids do have behavioral issues after returning from their other parent’s house, because or despite of the coparenting relationship you have with your Ex. Children take time to adjust between two different households. Kids can compartmentalize their world but only so much, and sometimes the stress of moving between households causes a temporary state of aggravation that will pass as they readjust to being home with you.

One of our clients shared that “the first 24-48 hours were the roughest…it was like they were carrying the aggression from their other household into mine. It took more time than I would have liked, but the children did eventually calm down and readjust to the atmosphere in our home. I came to expect this buffer period as normal.”

11. To be a rock for your kids pre-, post-, or mid-divorce know that you will need someone on your side to help support you as well. This help can come from a close friend group, your family members, or a divorce coach who has helped women like you navigate this challenge. While your friends and family might want to help you through the divorce process, they might not have the experience nor expertise to guide you along the right path.The more confused you are throughout your divorce, the more confused your children will be.

12. Seek outside support for your kids. You can ask their school or public librarians for books specifically to help children through a divorce, or you can ask their guidance counselor at school if there are any activities or special groups to help children with divorced parents. You can also talk to the school or even an outside psychologist to work with your kids or to work with you on a recovery strategy for your kids.

13. Make sure to look for books on divorce that are age-appropriate for your kids, with or without the help of a librarian. It’s important to sit down with your kids, read these books, and be there to help them process their feelings and to clarify anything they might want to ask. Divorce books can’t heal your kids on their own—most of these books work best when you are there to help guide the healing process along.

14. As tempting as it may be—as much as you may want to call your Ex out on ditching the kids for yet another weekend visit, or curse him under your breath for some new low he’s stooped to on social media—do not disparage your children’s other parent. Even, and this is a really hard even, if he has disparaged you in front of your kids. Teach your children it’s inappropriate to talk about other people in that way, and that you’ll talk to their other parent about the matter. Do not sink to his level.

15. Try to actually use the word coparenting, as awkward as that might feel at first. Going from a parent to a coparent is a major step in recognizing your divorce from the person you thought was your lifetime partner. Using the word coparenting signals that you are looking to work with your Ex to make sure your kids have the love and support they need from both households.

Sometimes your Ex will have needs that push up against yours, but that’s what compromise is for. For instance, say your Ex’s friend gave him tickets and a timeshare so that he and the kids can go to Disneyworld for the first time ever, only that family vacation would fall on your birthday. This might hurt you, but in the long run, it’s likely it wasn’t an intentional slight. The experience would help your children bond with your Ex post-divorce, and, quite frankly, give you a break from parenting and time to yourself.

What is right for your kids might sometimes come at the expense of your own feelings, but that territory comes with the job of coparenting after divorce.

16. Speaking of weekends, a great way to coparent is to communicate through a neutral platform that also shares a calendar with your Ex, one that not only notes who has the kids at what time but also special school events, activities, doctor’s appointments, and so on. If you have a specific schedule your kids follow that you find helpful, include that to show your Ex what you do when you’re with the kids that seems to work really well. You never know—your Ex might surprise you and adopt your schedule as a model for their own.

17. You cannot control your Ex’s behavior, even when it comes to your kids. You can talk to your Ex about it, shout about it, text about it, send long emails about it, and so on, but unless a court has deemed his behavior dangerous or declared your Ex an unfit parent, his actions are out of your hands. What you can do is talk to your children about how their other parent’s behavior is affecting them and see if there’s anything you can do to help.

18. If your coparenting relationship is difficult or is going through a rough patch, repeat this as your morning mantra: “I cannot do anything about what happened, but I can have a major impact on now, tomorrow, this month, and next year.” Research into parenting and divorce shows that how you react to things that effect your children (such as your Ex missing visitation) can help your kids process what is happening and teach them either healthy or unhealthy coping mechanisms. If your reaction in the moment, even to bad or shocking news, is calm, cool, logical, compassionate, and collected, your kids will learn the same behaviors from you.

19. Once you and your Ex are living in separate households, make sure you have a trusted family member, friend, or a neighbor close by who has a spare set of keys to your house and can check in on your kids from time to time if you get held up at work, stuck in traffic, or delayed on a trip. This helps reinforce that the kids have multiple people in their lives who love and support them and gives you someone to fall back on.

20. Be flexible with holidays and special occasions. While it’s good to keep up past traditions, it’s also not a bad thing to put your own spin on a holiday after divorce and to make the experience unique for you and your kids in this new stage of their life. You and your Ex will create new traditions with your kids. Sometimes these changes can come out of necessity—you might have less time and money to spend—but that doesn’t mean you can’t create something during the holidays that makes your kids feel loved and valued.

Above all, know that it’s okay to make mistakes

You are not Super Mom, and you shouldn’t expect yourself to be a perfect parent all of the time. Don’t hold it against yourself. One of our clients shared that, soon after her divorce, she ordered special monogramed bags for her kids that they could bring with them from house to house. She thought it’d be a nice gesture, but her kids looked at the monogram and just saw a reminder of their broken family. Even our best intentions can backfire. Forgive yourself, talk to your children, and find a way to move forward together.

Know that, no matter how your coparenting relationship turns out, your kids with your support will one day grow up into the happy and healthy adults you knew they could be. That those adults will see the efforts you’ve put forth throughout their life. Most of the time, insight takes age. Even if you’re parenting a teen through a divorce and they seem mature, a teen is not an adult and may not yet recognize the pitfalls and traps of navigating a coparenting relationship—or what you as their mother have really survived and triumphed through. Stay committed to them and you Mama Bear. Stay strong.

Since 2012, smart women around the world have chosen SAS for Women to partner them through the emotional, financial, and oft times complicated experience of divorce and divorce recovery. Experience SAS firsthand. Schedule your free, 45-minute consultation to hear perspective, next steps and the best resources that will honor your life and who you are meant to be.

*At SAS we respect same-sex marriages, however, for the sake of simplicity in this article we refer to your spouse as a male.

Woman contemplating getting divorce

10 Critical Things I Wish I’d Known Before Getting Divorced

When you go through a catastrophe like a life-crisis alone, the ground shakes. You lose your bearings as the tectonic plates of your routine and What’s Always Been crack and shift. As you struggle to gain footing, you realize you don’t know what else is coming, what else you’ll be faced with.

You simply don’t know what else you don’t know.

Getting divorced is like that, one full-blown life crisis where your “normal” breaks and collides with splintering parts—not only with what’s happening outside you with your partner, family, friends and work—but inside too, with your mind, body, and heart in spiraling conflict. Sometimes it seems like stress alone is the only rope keeping these disparate pieces together—stress is the one constant as you try with all your might to get through and beyond.

But once things begin to settle and you start to emerge from the heat and protracted legal process, and you arrive on the other side, starting to live on your own, you often find yourself looking back, instead of forward. For time gives you a chance to search for reasons now, lessons that explain how you got here, and what’s more, what’s good about this new place, if anything.

Sometimes you’ll wish, “Ah, if only I’d known this before while going through my divorce.”

Hard-won lessons, below are a few that resonate with me, a divorced woman and divorce coach. Between my personal story and professional experiences hearing from other women, I’ve learned of many such epiphanies, Eureka moments that only reveal themselves farther down the divorce road. So, for those of you struggling — thinking about or navigating divorce — I share a few as a way of giving you perspective on what else you don’t know and can’t know based on your today.

Here are 10 essential lessons WE divorced women want you to know … not after the fact … but right now!

1. Eventually “New Rules” will rule

When you live one way for a long period of time—as in a marriage—you forget there are other ways of living. It’s a feeling not unlike traveling to a new country or immersing yourself in a foreign culture—you don’t realize how trapped you’ve become by familiar patterns and behaviors, things you can do and things you cannot, until you’ve stepped off the plane. As I stepped out of a former life, I discovered I’d be letting go of an entire worldview that, consciously or not, had been dictated by my Ex. That worldview (even my rebellion to or acceptance of it) had dominated my life. Until it didn’t.

After getting divorced, I could begin again. I could create and make something else, a world ruled by my values. A place of peace, laughter, and the occasional shrimp cocktail (my Ex was allergic to shell fish). A place where I wanted to live. A place that genuinely existed. A place where there were New Rules.

2 . Don’t strictly rely on a lawyer

Diversify your insights. Get feedback from various strategic people as you go through your divorce. It’s too easy to get caught up in your own emotions and to keep telling your story the way you always have. The story can become like cinder blocks tied to your feet, dragging you down and preventing you from moving forward. Make sure you speak to multiple someones—who can help you understand the process (the legal, the financial, AND the emotional journey)—so you protect and take care of yourself. People who understand divorce can make the burden you’re carrying feel lighter and make you feel less alone. They can help you see what you are unable to see, or even know what to look for.

Even more importantly, take steps to do this in the healthiest possible way so you and your family will heal. This means knowing whom it’s okay to unload on and how much they can realistically handle before you overstep. Your friends, family members, and colleagues might be great shoulders to lean on, yes, but they are not therapists or divorce coaches. As well-intentioned as they may be, they often give you advice based on their own or someone else’s story. Not yours.

3. You will lose

I thought I’d be losing a mate as a result of getting divorced. I had no idea I’d be losing so much more—friends, people who I thought were friends, extended family members, and acquaintances who stopped “seeing” me. Beyond people, I’d also lose a way of living. A lifestyle. I’d lose a way of being.

I also discovered the flip side. This long list of loss would usher in a cleansing. And in the wake of loss, there opened up a new space for all the incoming positive people and things my soul genuinely desired and especially needed.

4. It’s how you leave your marriage that will hurt your kids the most

Even if you have a history of high emotions and conflict in the house, understand it’s all about how you and your husband* behave now that will impact your kids the most. This is the reason to try to keep it civil, or restore civility and respect, as you struggle through divorce and do everything possible to recover from it.

You’ll want to learn about “good coparenting,” best suggestions and tools for boundaries, all directed to keep you and your children (and your soon-to-be Ex) sane and healthy. The fact is that if you are a mother, the father of your children will never entirely disappear. (So, you’ll edit that “loss” from your list above.) Chances are, your Ex will always be in your life to some extent. How you reframe this relationship is key for your children and their divorce recovery.

5. Now’s the time to learn about your financials

In particular, you want to find out what you own and what you owe—but don’t let NOT knowing these answers keep you from getting divorced. You can still find out or identify the people who can help you read statements and documents so you understand what you have and what your choices in life really are. Get fully informed before you start making decisions. And commit to the idea that once you are independent you will begin learning more about protecting and growing your money.

6. Figure out ways to generate income for yourself

Some women leave their marriages with full-time careers while others find themselves reentering the workforce or fearing that they will have to. If you find yourself lumped into the latter groups, step one is to stop telling yourself you are unemployable because it’s simply not true.

There are too many jobs out there to count, and every one of them requires something different of each of us. Take baby steps, if need be, but volunteer, hire a job coach, learn about iRelaunch, go back to school, start your own freelance business with a partner. Make a plan to support yourself and, in turn, seek the support you need to make it happen.

7. You can’t figure everything out in advance of getting divorced

Nor do you need to have everything figured out to move forward. It is a blessing to have search engines like Google in our lives, but it’s also a curse. Google makes us believe we can solve everything if only we research it well enough, if only we type in the magic keywords!

Phooey—at some point you have to get specific feedback about your personal circumstances from experts who deal with divorce and not just whatever articles, Facebook groups, and mind-numbing blog posts and forums you stumble across.

I get it—you’re scrappy. You can teach yourself nearly anything. But you are not a divorce attorney and you can’t become one fast enough.

8. What’s waiting for you is probably bigger and better than anything you can imagine right now

I can’t tell you what’s in store for you after getting divorced, and even if I could, women like me living on the other side of divorce know our words could never do it justice. What we can say is that when women like you face your fears and move through them, you are capable of nearly anything! We know women who after getting divorced recreated careers based on buried dreams, and women who have found happiness in their new freedom and sense of peace. We’ve met women who were scared to death about being alone only to find their figurative dance cards full and that their friends, some of them long lost, were waiting with open arms.

Remember why ending your marriage happened. And know that your future is better than you can even think possible. Trust us.

9. You must learn what being “healed” from divorce will look like

There will come a time when you must evaluate the role you played in getting divorced so you can truly heal yourself and stop blaming your Ex for everything that went wrong and for the hellish journey you’ve been through. The earlier on in your divorce that you confront this the better—it’s a necessary step for moving forward, for growing. It’s what true healing looks like.

10. You can let it go now

That Little Voice in your head? The one keeping you in a dark corner, feeling especially stupid and unloved? You can let it go. Because you’ll discover that divorce has a way of breaking you open, and as you watch all your messy insides spill out, you’ll eventually get to choose which parts of yourself you’ll keep and which you’ll toss into the heap. Your shame? Your guilt? Your regrets? Let it all go. None of it has ever served you anyway, except for now, as a marker symbolizing your critical turning point.

Going forward, take heart and practice intention. We know you don’t want to just divorce your husband—you want to end your marriage in the healthiest way. But that takes more than simply wanting something. It takes preparation and action. This is your life. This is your children’s future. Get a map, yes, but then take the wheel and steer.

 

Change the course of your life — AFTER DIVORCE — this October. Spots go quickly

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We promise — whether you join us for Paloma or not  — you’ll walk away from your complimentary coaching-session discovering a next step in your unique After Divorce journey. 

“We choose not to do it alone.” ~ Sas for Women

 

*At SAS for Women, we respect same-sex marriages, however, for the sake of simplicity in this article we refer to your spouse as a male.

Life after divorce

Life After Divorce: Getting You and Your Money Together

Before, during, and after divorce, one thing that’s on everyone’s mind is their finances. The following is an imagined conversation, but as a financial advisor, I’ve heard variations of it all too often amidst women struggling to rebuild their life after divorce.

An all-too-common conversation between divorced friends

FRIEND: So, how are things going with the divorce? Are you close to finalizing everything?

FRIEND 2: Believe it or not, I can see the light at the end of the tunnel. My attorney has been wonderful—as far as attorneys go, I guess.

FRIEND: That’s great.

FRIEND 2: Yeah, I guess.

FRIEND: What’s wrong? I thought you said your attorney was good.

FRIEND 2: Yes, she is, but, well, this other part is embarrassing.

FRIEND: What do you mean? Are you OK?

FRIEND 2: I’m fine—but it’s hard for me to talk about this. I feel ashamed. You probably won’t understand.

FRIEND: What is it? Are you OK? Please, let me help you.

FRIEND 2: Well, OK, OK. But please don’t tell anyone, OK?

FRIEND: OK.

FRIEND 2: Well, my attorney is good. She got me almost everything I wanted, or at least everything I thought I deserved—to be fair.

FRIEND: So what’s the problem?

FRIEND 2: This is hard for me. Well, I let my husband take care of all the money stuff. I never really kept track of what we had. And now the attorney is showing me all these accounts that I’m getting. And this may sound stupid, but I don’t know what to do with them, how to read them or understand them.

FRIEND: Oh, don’t worry, you’ll be fine. I thought you were going to say you were sick or something! 

FRIEND 2: Don’t laugh, please, this is making me sick. I don’t know anything about investments. I’ve never balanced a checkbook, let alone managed our account online. I can’t believe I let this happen! And now I have to take care of it for me and the kids? Mutual funds, 401(k)s, life insurance—what does it all even mean? It’s overwhelming! To be truthful, I am scared. I thought life after divorce would be easier. I am going to mess everything up and lose what little I have.

FRIEND: OK OK. Calm down, everything will be fine.

FRIEND 2: How do you know everything will be fine? You went to college and studied economics! When you got divorced you already knew about all these things.


Learn what other steps you could be taking to promote your healthiest life after divorce. Read 100 Must Do’s for the Newly Divorced, Independent Woman


FRIEND: No way—after I got married and had kids I forgot everything I learned in college about money because my Ex handled the finances too.

FRIEND 2: So what did you do with the money you got in the divorce? How did you begin?

FRIEND: I was lucky. My sister had a friend who’s a financial person, a professional she referred me to. He began to teach me what to focus on and helped me learn how to invest money. The important thing is that this person guiding you is smart and a good teacher who can help you take care of everything as you rebuild your life after divorce. Do you want his name?

FRIEND 2: Sure, I guess. I’m assuming he’s qualified and he knows what he’s doing?

FRIEND: Yes, he’s got all types of credentials, but that’s not what impressed me.

FRIEND 2: Then why did you use him?

FRIEND: Because of how he interacted with me when I first met him. He took the time to get an idea of what I understood and figure out what I didn’t have a clue about. It seemed like he knew when I didn’t understand something, and he took the extra time to make it clear before we moved onto the next topic.

FRIEND 2: Sounds like someone who doesn’t exist!

FRIEND: Too good to be true, right!

FRIEND 2: Yeah, but he probably deals with a lot of rich people and would’t deal with small accounts like mine.

FRIEND: Nope, not the case—he only accepts referrals from existing clients so when I refer you to him, he will work with you if you want him to. By the way, he doesn’t have a minimum.

FRIEND 2: But if I sign up with him is he ever going to call me after I give him my money?

FRIEND: That’s one of the most important things! When I first started working with him, he spent a ton of time with me to come up with a plan, to understand what my goals are. He even helped me identify my goals. He’s a very good listener. And he requires meeting with you as times goes on to review the plan and to see if it needs any changes. Oh, and one more thing, when you meet with him, he doesn’t hand you off to his assistant or junior person on the team.

FRIEND 2: OK. But how will I know if he’s doing a good job?

FRIEND: You will have online access so you can review the accounts at any time. Quarterly reports are also provided. And he also checks with my accountant to make sure I’m paying enough in taxes and stuff like that. I like having more than one person looking after me. Life after divorce is hard enough. I like a diversified approach. I am not putting my eggs in any one basket ever again. Neither in marriage or other things.

FRIEND 2: OK. I guess I can call him.

FRIEND: I have a better idea. If it’s OK with you, I’ll have him call you. He’s very good at being proactive and following up.

FRIEND 2: Well that would be a big help. I think I feel better after talking with you.

FRIEND: Yes, that’s a step in the right direction.

Life after divorce can be fraught with a sense of anxiety and, yes, even shame. If you find yourself here, then maybe you feel a bit more like Friend 2 in this scenario. Knowing help is out there can already make the weight on your shoulders feel a little smaller, but not everyone has a friend with a referral in their back pocket—how do you even begin to pick the right financial professional for you? What do you do when you find yourself suddenly in charge of your household’s finances?

Keys to picking a financial professional

  • Get recommendations from people you know and trust. That means anyone from family members and friends to attorneys, accountants, divorce coaches, and therapists.
  • Interview the financial professional in person or by phone. You are looking for a personality that will work well with your personality.
  • Check the financial professional’s background on the Financial Industry Regulatory
  • Authority (FINRA) BrokerCheck website.
  • Does the financial professional have account minimums?
  • Does the financial professional handle a lot of clients like you. By that, we mean people who are going through a transition due to divorce or widowhood.
  • How does the financial professional get paid? Do they earn commissions on each transaction, or do they charge an annual fee based on how much you have with him?
  • Does the financial professional have a communication plan for staying in touch with clients? How often can you expect a phone call or email from him? Does he have periodic reviews? If so, how often? Are they in-person or over-the-phone?
  • Who is the financial professional’s typical client? You don’t want to be overlooked for his bigger clients!

Life after divorce is a journey, and it’s one made easier by having the right community by your side. The best part of starting over is that you get to decide exactly who’s a part of that community—your friends and relatives, yes, but also smart professionals who empower you to make the best choices for yourself and your family. They are out there, and now you know how to find them.

 

This conversation is hypothetical and is intended for illustration purposes only. The article is for informational purposes only and it is not to be considered tax or legal advice. AXA Advisors (its affiliates) and associates do not provide tax, accounting or legal advice or services. You should seek advice based on your particular circumstances from an independent tax or legal advisor. Christopher Kelly offers securities through AXA Advisors, LLC (NY, NY 2123144600), member FINRA, SIPC. Annuity and insurance products offered through AXA Network, LLC. Individuals may transact business and/or respond to inquiries only in state(s) in which they are properly registered and/or licensed.  AGE 146422(08/19) (exp.08/21)

Chris Kelly is a financial advisor with over 25 years of experience in the financial services industry. He specializes in what he calls “Financial Transitions” – helping families design and implement a financial plan to help deal with the loss of the primary income earner due to divorce, death, or disability. He is well-versed in a broad range of financial subjects including investments, cash flow planning, and estate planning. Chris has offices in Woodbridge, NJ, Wall, NJ and New York City.

Contact Chris at [email protected] or 732-292-3357 to begin a conversation on how to make your post-divorce financial journey a smooth one.

 

A woman walking through nature thinking about the signs of divorce

The Signs of Divorce and How to Spot Them

Divorce can sometimes feel like it comes out of the blue—one day you are “happily married,” and the next, your spouse is asking you to sign on the dotted line. The world you’ve built together seems like it’s falling apart. Other times, there are clear signs of divorce, ones that you may have noticed and ones that you may be ignoring.

One of the biggest signs of divorce might just be that you’re here, reading this post. Deciding whether or not to divorce your husband* may be something that’s been weighing on your mind for quite some time. We get it. Before divorce, it feels like a giant leap to take, and it’s only after that you realize what you were always capable of—that you’re stronger than you realize.

Right now you might be in need of a friend who can make sense of all the competing emotions and choices at war inside you. We’re happy to be that person for you. The following six signs of divorce are good indicators that your marriage and your relationship with your husband are not in the healthiest place. If these feel familiar, it might be time to take a step back and reevaluate your marriage and to learn what else is possible.

1. The fighting has stopped

Yes, on the surface, the end of arguing might seem like a good thing—no fighting means you and your husband are on the same page, right? Not exactly. Whether you’re fighting over big things like how to manage finances or small things like which brand of toothpaste to buy, if the arguments have stopped without actually being resolved, it can be a sign that one of you has simply given up.

Having disagreements, expressing opposing or conflicting opinions, and then working them out means that you and your husband are invested in creating a lasting future together. Once your investment in your marriage stops, the possibility of divorce becomes more and more likely.

2. You’re arguing way more than usual

Yes, there is such a thing as fighting too little and fighting too much. Conflicts happen, but as adults, we must learn how to work through disagreements in a healthy way. If small arguments have suddenly become huge battles within your household, arguments that end with no resolution and tension that lingers in the air like a bad taste in your mouth, something has fundamentally changed between you and your husband—and not in a good way.

Once a relationship becomes so antagonistic that arguments simply never end, divorce is one way to find peace once again and escape from an unhealthy or potentially abusive situation.

3. Your finances are in a bad place

Marriage is hard, and money problems make marriage even more difficult. If one or both of you are having issues at work and your income isn’t what it used to be, that extra pressure can compound the problems in your marriage. You and your husband might not be on the brink of bankruptcy, but maybe you two have fundamentally different ideas on how a person budgets and spends money. You, for instance, might want savings safely tucked away in case of an emergency while he might prefer to spend any extra money he has on the latest gadget.

For whatever reason, you two are in a bad place financially, and you aren’t seeing eye to eye. We might not like it, but money is key to our survival and one of the biggest sources of stress in a marriage. This is one of those situations that isn’t likely to change without some serious communication and work on both of your parts, and if both of you aren’t willing to budge? It might be time to talk about divorce.

4. You don’t feel connected to your husband anymore

Fridays used to be date nights, but now things have changed. You can’t really remember the last time you two had a good talk, or the last time you’ve gone out and truly enjoyed each other’s company. At the dinner table, it sometimes feels like you’re sitting across from a roommate or, worse, a stranger who just happens to share the same space.

If it’s been a while since you and your husband have invested time in each other, then you’re not maintaining an emotionally intimate connection, and you can lose that spark you once had. This is called emotional disengagement, where one or both parties in a marriage have stopped investing in maintaining emotional intimacy. Once you and your husband no longer feel like a couple, divorce starts to make more and more sense. It feels like an inevitability and the only way to find someone else you do have an emotional connection with.

5. There’s a lack of physical intimacy in your marriage

Yes, sex matters. Especially in marriage. Emotional intimacy is important, and one reflection of strong emotional intimacy within a marriage manifests itself as a strong physical connection between two partners. If you can’t remember the last time you and your husband were intimate, and there’s a clear change in how often you sleep together, you might have something to worry about.

Sometimes the source of the change is obvious—it’s medical, for instance, or there are young children at home, problems at work, or another source of stress. But combined with other factors in your relationship, a lack of physical intimacy becomes a worrisome sign that divorce may be on the horizon.

6. Your or your husband’s focus is outside the relationship

You two are no longer working on building something together, but instead, you find yourself more invested in things outside of your marriage, such as a club, the gym, or a large project at work. Maybe your husband has been spending a lot of late nights at the office, or he spends most weekends working on his golf swing with friends. You find yourself spending more and more time alone. Marriage can get boring, just like anything, and sometimes instead of looking inward and finding interests to share, grow, or explore with a partner, we turn to people in our lives who we’re already engaged with (or who we’d like to be).

When you and your husband have stopped making time for each other, it’s a sign that something’s wrong in your marriage that neither of you are willing to look at head on and address. Without working together to form a solid marriage, you two are actively growing emotionally apart and that can lead you down the road to divorce.

If you recognize one or more of these signs of divorce in your own marriage, it might be time to think about the future—your future, specifically. Do you see your husband in that future? Do these challenges in your marriage feel like things the two of you can overcome together?

If you want to salvage your marriage and you think that it’s not too late, talking to your husband about going to counseling is one option. And if so, we recommend this kind of marital support. You can also reach out to a divorce coach to fully understand all of the options in front of you, no matter which path you take (even if you decide not to get a divorce).

The truth is that even if you want to salvage your marriage, once you start seeing the signs of divorce, things might already be too far along for you and your husband to work together to solve the problems in your marriage. Knowing your options is the best way to protect yourself, your children, and your husband in case divorce is inevitable. Together, you can work on what you must navigate near term, and what your post-divorce future will look like so you can start down the path to your divorce recovery. It might be even better than you expect.

Since 2012, smart women around the world have chosen SAS for Women to support them through the emotional, financial, and oft times complicated experience of divorce. SAS offers women 6 FREE months of email coaching, action plans, checklists and support strategies for you, your family, and your future.

“When a woman comes through divorce with the proper guidance and her questions answered, her life stands before her like something she could never imagine while she was is in the dark.” ~ SAS for Women

This article was authored for the all-women website SAS for Women by Melanie Figueroa, a writer and content editor who loves discussing women’s issues and creativity. 

 

*At SAS for Women, we respect same-sex marriages, however, for the sake of simplicity in this article we refer to your spouse as a male.