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Divorced Women Share 14 Secrets to Surviving the Holidays

The holidays can feel anything but “holy” or “holly-filled” this time of year if you are reverberating from divorce. If you are thinking about divorce, for example, you could be feeling schizophrenic right now, or like a fraud, trying to honor the hallowed rituals at the same time you are feeling fragmented and splintered about your future. If you are dealing with divorce, you are coping with some of the cruel realities of what change genuinely means now for your life (and your children’s). And if you are recovering from divorce, well, let’s face it. It’s a whole new game and you are probably looking at some time alone. All alone.

To help lessen the impact of the season and its expectations, we’ve turned to thoughtful, divorced women who are survivors. We’ve asked them, what suggestions and ideas might they share with you for coping with the holidays? What we’ve learned is that these other women who have come before you — those who have experienced the pain and isolation of living outside the conventional norms — want you to not suffer as deeply. What follows are 14 secrets divorced women want you to know about surviving and indeed, repurposing the holidays.

The reality is, we could all use a little help.

1. Don’t deny reality

“The holidays are a construct! They are celebrated by what seems to be EVERYONE. But don’t beat yourself up if you’re not feeling it because of your divorce or something else. Don’t participate if you’re not into them this year. Give yourself a pass to hang out and do anything you want if you’re alone. Ignore the holidays if you wish. Or go all out if you want. Don’t stop with the tree, hang a holiday light from every inch of your house. Inside and out! The point is, you have a choice and don’t go along with something that’s not comfortable. The holidays will come again. And you may want to lead the Macy’s Day Parade next year.”

June B., Minneapolis, Minnesota

2. Give yourself permission to do it your way—or not at all

“If this is your first (or second or whatever number) solo holiday, my best advice is to be gentle with yourself. Be grateful for what remains and then seek out others. Accept invitations that you historically would have turned down for whatever reason. Try to cultivate a new tradition for yourself and your children that is uniquely your own. Reach out, it gets better…I’m told.”

Susan, Boston, Massachusetts

“If you are in the throes of divorce, instead of trying to figure out how to do the holiday cards like you always have—with you, your spouse, and your children—give yourself permission to skip the holiday cards altogether this year. Or if that’s just not possible (you are too committed to the tradition), create a card that focuses on your children. That’s right—nix you and Mr. X from the photo!”

Molly K., Geneva, New York

3. Make a plan well in advance

“If you don’t have children or they’re not with you this upcoming holiday, make a plan right now on how you will spend that day. Brainstorm ideas. Maybe you are going to connect with long lost friends and have a meal, or go away on a trip or a retreat, or spend the day hiking, or go to a movie marathon. That’s what I did ten years ago, on December 25. That was my first Christmas alone, I mean utterly alone. And somehow sitting in a warm, dark movie theater with strangers — the theater was packed! — and getting caught up in a 4-hour epic drama transported me. It transported me out of my own drama, giving me a sense of warmth and community on a day that could have gone done as one of the worst in my life.”

Liza Caldwell, SAS for Women Cofounder

4. Love yourself this holiday season

“I bought myself a new bed with a good quality mattress and some new bed linens that cater only to my taste. The linens are a very feminine design and are superb to the touch. This new bed gives me good quality sleep and a better mood in the morning as a result. Instead of being upset that I sleep alone, I feel like a queen in a queen-sized bed on my own. This has worked so well that I’ve asked myself what else can I do to love myself. So I’ve changed my diet a little. First, I realized that I get more pleasure cooking for myself than I do eating out. I try to really listen to what I would like to eat and not compromise. I buy ingredients that I didn’t used to buy. They are ones that give me pleasure, like very fresh fish or a mango for breakfast.”

Eva, Moscow, Russia

“At 2:30 am, I admitted it was insomnia and I opened up a free app on my phone called Insight Timer for a guided yoga nidra session. The app offers lots of approaches to stress, insomnia, and more. I don’t know if I was conscious for the whole thing or not but I had an awesome sleep in the time I had left. I plan to listen to it again while awake in the daytime to learn about relaxing while awake and to think about regular breaks from constant focus on how much I have to do in too little time. I would like to reduce the mental energy I spend on problems and share my time with increased experience of what’s good and right.”

Susan W., Bethesda, Maryland


Looking for more suggestions from smart, divorced women? Check out this post on how to cope with divorce like a modern woman.


5. Let your boundaries be known

“By you and others. If you expect to see family, your Ex, or friends (the ones you are still in contact with), share your preferences. Let them know if there are gatherings you will not be attending this year or topics you’d rather not get involved with. If you worry you’ll see your Ex at a gathering, find out for sure and ask for understanding if you are going to beg out of attending this year. This helps manage your friends’ and family’s expectations and may also help ensure their good time lest they be worried about you.”

Alice, San Diego, California

6. Practice your script

“The holidays are a time when you are bumping into well meaning and not so well meaning acquaintances, friends, and family. Practice your lines so you are not taken unawares when people ask you about your divorce—the elephant in the room. I used to get caught off guard and didn’t know when to shut up, always regretting that I said too much when people asked me how was I doing. Now I know it doesn’t help anyone to talk about my feelings indiscriminately. In fact, few people are deserving of knowing what I’m really feeling, especially this time of year. So I keep it neutral. Why ruin their rum punch?

‘Thank you for asking about me. I am doing okay and doing what I must to take care of myself and work on my healing. How’s your puppy?’”

Bernadette, Athens, Georgia

7. Be careful with the rum punch

“Holiday parties and alcohol could be the perfect opportunity to forget your misery. But not really. As tempting as it is to numb your feeling with the spiked eggnog or oddly available drug, remember your emotions are just under your skin and you are still healing, if not hurting. It won’t take much for your emotions to be triggered and for your wounds or anger or hollowness to come bubbling out. Spare yourself and others any unpleasant outbursts or regrettable performances, and save the over indulging for a getaway with your best friends. Ask a friend to accompany you to a party and to take you home if you start acting a little vulnerable. Protect yourself.”

Janet, Boca Raton, Florida

8. Volunteer

“If you don’t have children or you don’t have your children for the holiday, maybe you’re feeling lonely? A good way to get out there and enjoy the holidays is to volunteer. Do it early because places book up! You may also meet some really great people.”

Alina, New York City, New York

“Perhaps volunteer time at a food shelter or church to pass out holiday meals or anything else they need your services for. I have found it to be very humbling and rewarding, and it helps to put the holidays in true perspective. One time I did this with a girlfriend, and after the event, we came home for a glass of wine—okay, bottles, wink, wink. We had goodies prepared for ourselves and had a lovely time reflecting on how blessed we really are.”

Lori, California

9. Focus on your children

“If you have children, you can’t simply write off the holidays. That would be tough on them. But be mindful that you may not have the capacity or resources to do everything you’ve done in the past. Nor should you try to compensate for the divorce by spoiling them with presents. Instead, give your children genuine time with you! Pick the most important rituals you want to focus on—cookie making or holiday decorating or caroling or visiting family and friends. Don’t try to do everything. By striving to stay present with your children, you may find you’ll experience the magic through their eyes, and you will savor some of the joy that is there for you too.”

Pam, Galveston, Texas

10. Get rid of old traditions

“I always hated how we had to get dressed up in fancy party dress every year to attend my in-laws New Year’s dinner. My children were too young to really participate and behave well. And there was always so much pressure and so many eyes on me it seemed, as their mother, to make sure the kids kept it together. Well, guess what? That’s on my Ex now. This year, for Thanksgiving, I am inviting my family, friends, and children to join me in wearing their ugliest Thanksgiving Sweaters, and we’re going to watch football. I am going to show my kids there are many ways of being together. The important thing is being together.”

Kendall, Cleveland, Ohio

11. Create new rituals

“I make an event of watching films that I always liked for the holidays and any day for that matter. These films are ones I couldn’t indulge in before as my husband didn’t like them. In my case, these are French comedies or Woody Allen films. And these are just for me!”

Eva, Moscow, Russia

“The holidays can become redundant, boring, and stiff. I think they are supposed to serve as a comfort, a ritual for celebrating, but I know the holidays can draw attention to what is missing or who is missing. To me that’s one of the biggest reasons for trying to do things differently. To be really conscious of what we love most about the holidays. I try to involve those aspects into plans. For me, as a single person, it’s all about who I will be with. I call those people up a month before a certain holiday, and I say, ‘What are we going to do to remind ourselves we are alive?” I’d rather eat Stouffer’s frozen lasagna from a microwave then spend a holiday faking it anymore.”

Maria, Portland, Oregon

“… For me, as a single person, it’s all about who I will be with. I call those people up a month before a certain holiday, and I say, ‘What are we going to do to remind ourselves we are alive?” I’d rather eat Stouffer’s frozen lasagna from a microwave then spend a holiday faking it anymore.”

Maria, Portland, Oregon

“Organize a ‘SisStar-Giving’ amongst other ladies who may be recently divorced or may not have children, friends, or family locally. To remove the stress of over-planning and being overwhelmed with meal preparation, you can provide one main dish (you can’t go wrong with wings) and ask each guest to bring the dish that people always ask them to make. To guide the menu, you can suggest some categories like appetizers or desserts. There’s bound to be a ‘mixologist’ in the crew. That one may opt to bring wine or other beverages. You could theme it as Jeans & Tee regarding dress code to make it as casual as possible, and look up party games to play. Crank up a mobile device with some good tunes, and you have a night to remember. Keep it simple by not going over the top, but one must have a ‘Thankful Circle’ in which everyone shares at least one thing SHE IS absolutely thankful for.”

Queen V, South Carolina

12. Be present and open

“I always hear advice for divorced women with kids. Sometimes it’s a little lonely and scary for someone who is in their mid/late 30s with no children. We may have expected to have children by this point in our lives and we don’t. To women like me, I say, ‘Give yourself permission to smile and enjoy the people who love you in your life. You are worth it.’”

Alina, New York City, New York

“I was getting concerned about my birthday on Dec 30th. This will be my first birthday after being separated. I was wavering between ‘doing something unusual’ or ‘sulking and doing nothing.’ By accident or by will of the Universe, ladies from work suggested we all go to the ballet on Dec 30th and have a dinner afterwards. I feel so happy and am so much looking forward to my birthday now.”

Eva, Moscow, Russia

13. Have a Plan B and a Plan C

“One of my biggest coping mechanisms, now that I am my own team, is to always have a plan, but if that plan doesn’t work, to be able to resort to a Plan B or a Plan C. Life is always shifting. I know I can dream about my ideal scenario and do everything to make it happen, but if something goes wrong, it’s a great comfort to have a Plan B and C so I am not left out in the cold.

For example, a friend of mine who can be a little whifty said I could bring my kids over to her house on Christmas afternoon, that her brother was coming over to give the kids a pony ride. I thought this sounded amazing and so different from what my kids have done in the past, but I worry. I’m not in control of the event so it might fizzle out and not happen. I’m not going to mention it to my kids until the day of and make it a surprise if it comes about, and if not, I’ve already looked online and found that there will be caroling in the town square at 5pm. We’ll go there. And if not, then we’ll go ice skating (Plan C) at the civic center which I’ve already confirmed is open on Christmas Day.”

Mary Beth, Addison, Wisconsin

“Plan ahead for the time when your children will not be with you. Having a fun plan for myself, such as time with friends, helped me feel loved during the holidays in a new way and helped with the intense feelings of missing my children.”

Laura, Middlebury, Vermont

14. As with everything, we promise it will get easier

“Getting divorced has been MAJOR! It’s meant losing friends who I thought were my besties. Losing possessions. Losing a way of being—not just losing my Ex. There are so many new and good things that have happened as a result of this ‘loss vacuum,’ but I’ve also learned something about me. I’ve been adapting. I’ve been learning and adapting and that makes this major change easier bit by bit.”

Jenny, Kansas City, Missouri

“The first time you do something new, like experience a holiday as a single person, it can summon up all the grief you’ve ever felt about the changes you’ve lived through. It’s okay to feel sorry for yourself. Be kind to yourself, too, though and remember, it will get easier. Your past is there, yes, but so is your future, a future for you to shape. Consciously. And that includes holidays you can and will experience the way you choose. You are not on autopilot anymore. And there’s something about that that is THRILLING!”

Mel, Garden City, New York

Thank you to all the divorced women in our community who cared enough about other women to share their ideas and secrets for surviving and repurposing the holidays.

If you needed this, know that every single one of the women above have experienced the gamut of feelings you’re going through, even if the geographic location or specifics of each of their stories are uniquely her own. And know as well that these women offering counsel are still here, they are still surviving and, yes, sometimes, more than they ever thought possible, they are thriving. We hope you find comfort in this, too. For this holiday season, and all days in your new chapter, find your old and new people who understand you. But above all, follow your own path as you continue onward in your divorce recovery. And as always, always, be kind to yourself. With all you’ve been through, you deserve it.

 

Since 2012, SAS for Women is entirely dedicated to the unexpected challenges women face while considering a divorce and navigating the divorce experience and its afterward. SAS offers women six FREE months of email coaching, action plans, checklists and support strategies for you, your family, and your future. Join our tribe and stay connected.

“Divorce can be on your terms.” ~ SAS for Women.

Divorce help for women

Divorce Help for Thoughtful Women

There’s no one way to be married, and the same is true for divorce. Smart women find the best way through it is by viewing the divorce process as a whole, and then narrowing in and breaking down each piece into manageable sizes that can be more easily accomplished. Take things slowly, and make sure the direction you’re headed in is the one you really want to go in. Like any journey, you have to first take a look at the lay of the land and develop a holistic understanding of what this new place you’re venturing into looks like.

We are all about divorce help for women. Here are a few pointers to get you started, whether you’re thinking of divorce or just beginning the process.

Get educated

Being informed makes us feel more powerful. It’s also eye-opening because as much as humans love to play the “blame game,” we know too well that in a marriage fault is very rarely easy to assign. Do your research. Read books on divorce. Talk to professionals. Become an expert on your own options because that way, no matter how things turn out, you will feel confident that you’re making the right choices for yourself and your family.

Develop a safety net

You need to find new ways of creating stability in your life—there is so much that’s outside of our control, but saving money, connecting with new and old friends, and creating spaces for ourselves that feel safe and empowering are things that are very much within our control. You just have to be brave and disciplined enough to go out and do them. So start a “war chest,” where you save money for both yourself, your children, and your future. Nourish yourself. Find a women’s hiking group. Find a new job. Do things that make you feel whole again.

Be careful who you trust with the whole truth

People often enter into conversations with their own set of preconceived notions. If you have people in your life who you trust and know to be open-minded or objective, then by all means, allow them to be a shoulder to lean on. Otherwise, you may want to keep the details of your divorce to yourself. People judge. They give out opinions where they’re unwanted. Right now, you have to protect yourself as much as possible—even from people who mean well. Surround yourself with positive people.

Get organized

Get an email address you use specifically for divorce matters (you might even use a private or incognito window if you’re on a shared computer). Keep a notebook, and divide it into three sections: emotional, legal, and financial. You could also add other sections like family or other if you’d like. Write down your fears in the emotional section. Then take a look at the list and ask yourself which are actually legal or financial questions and move accordingly. Maybe they’re something else entirely. Now look back at all your legal and financial questions. Who can help you find your answers? A lawyer? An accountant? A certified divorce financial analyst? A divorce coach? There are countless professionals out there offering divorce help for women.

Keep a folder where you store important documents. What do you own? What do you owe? Keep a calendar of appointments and important deadlines. If your divorce isn’t amicable, you might even need to document your husband’s transgressions.

Get a legal consultation

Google can only take you so far, and the information you find generally only covers the basics of divorce laws in your state. We all think we can avoid going to see a lawyer, or that the cost isn’t worth it. But the fact is that you can’t afford to remain ignorant about your own circumstances—you’re only hurting yourself.

Find a new normal

You have to find a new normal. Even if you and your husband end up deciding there is still enough love left to work on reigniting the spark, you have to live your life like that saying “you can’t go home again.” You can’t go back because that life was no longer serving you. You need new routines and positive habits. At some point, you have to stop searching for divorce help for women. You have to feed your body and your soul. Exercise, and go to classes. Get a medical exam. Go do all the things you keep saying you want to do but have never quite gotten to. Step outside yourself and your comfort zone in order to find a new way forward.

Understand the journey you’re on

Manage your expectations. This divorce recovery will not only be about overcoming the legal and financial aspects of divorce but the emotional as well. What kind of support will you need to cope with the stresses of divorce? Be sure to look into therapy, reach out to a divorced friend, and look into the benefits of working with a divorce coach (even if you don’t end up getting divorced, they can be tremendously helpful). And if you’re not quite ready for divorce, then be sure not to threaten your husband with it until you know exactly what it means and what it looks like for you. Whatever you do, don’t rely on your attorney alone; they’re not there to cover the entire scope of divorce and the emotions that come with it.

There will be a tipping point

There’s rarely a moment in any of our lives where we can say with 100% certainty that we are making the right decision. We plan, we research, we talk things out. We trust in our intuition and our smarts. But at the end of the day, we don’t possess the crystal ball we so desperately want. The same is true for divorce. Even when you reach your own personal tipping point—that thing or the distance that pushes you over the edge from simply consider a divorce to actually getting one—you will still feel a little uncertain. But know that there is life after divorce, and what it looks like is different for everyone.

Most importantly, be kind to yourself and take things one day at a time. There is divorce help for women out there. But the past will only drag you down if you let it. Focus on what’s right in front of you, the aspects of your life that are within your control now, and create a plan. And if you can, be kind to your spouse too.

When we reach a point in our relationship where divorce is suddenly on the table, the decision feels as though it was already made for us. Asking for what we need to be happy isn’t always easy. Nor is it obvious what we are legally entitled to. Get educated on what your rights are and what is legally yours, and as well, learn about the healthiest ways for evaluating your choices and moving through the process. Around the corner, there is a beautiful life you cannot yet imagine and it’s 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 

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 

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!

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.

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.

Parenting while divorcing with children

Divorcing with Children: A Step by Step Process

Divorcing with children means having to deal with the consequences of ending your marriage as well as ensuring the wellbeing of your kids. During this time, your life might start to feel like one long game of whack-a-mole, each item on your to-do list and each problem you have to solve popping its head above ground just long enough for it to be a nuisance.

Many moms simply don’t know how to make things right when their family has changed so irrevocably. And can you blame them? They are changing too.

When it comes to your children, however, it’s important to stay aware of the fact that they need structure and support to be both emotionally and physically healthy. Seventy-two percent of divorces occur within the first fourteen years of marriage. Put in context, these numbers mean that young children are often affected by divorce the most.

And yet, divorcing with children is never easy for parents or children, no matter their age.

While you struggle to pick up the pieces and move forward as you rebuild your life, you’ll also have to be there every step of the way supporting and encouraging your kids. Your adult children will certainly manifest their own reactions (just like younger children), but you are no longer responsible for their day-to-day survival in this world.

Is their such a thing as a good divorce? The general answer is not really. Sure, there are divorces you are grateful for and divorces you wish you’d had sooner—but divorce is rarely a decision you come to without careful consideration and a little heartbreak. Still, there are things you can do to make the transition easier for yourself, your soon-to-be Ex, and your kids. Here are some of the most important steps to take when you are divorcing with children.

Handle reactions in a healthy way

Prepare for your children to have an avalanche of angry and sad reactions to your divorce. These are inevitable regardless of how old your children are or the reasons for your divorce. As a parent, you have to make sure these reactions are handled in a loving, healthy way.

Acknowledge the emotional responses they are having. Denying the fact that they’re hurt or angry will only make matters worse. Reassure your children that it’s perfectly okay to feel upset, betrayed, sad, or lonely. Help them let these emotions out so that the healing can begin.

It’s best to have the conversation (and we do mean the conversation—you should figure out how to break the news of your divorce to your children before you sit down with them) as a family and to get your soon-to-be Ex involved early on. Regardless of the status of your relationship, assure your children that they’re still and will always be loved. Ask questions, like “is there anything we can do to make you feel better?” They might ignore you at first, but eventually they may feel like opening up and start talking about their needs.

Answer the important questions

Once the dust has settled and you’ve addressed your children’s immediate reaction to your divorce in a healthy and safe environment, the real questions will start.

We all know that children can be brutally honest. That’s why you need to prepare your answers for some of the most candid and difficult questions you’re going to face.

Some of the questions your children are likely to have during your divorce include:

  • Who am I going to live with?
  • Will I still get to see my mom or dad?
  • Where will I spend the holidays?
  • Where will I go to school?
  • Will I still get to see grandma and grandpa?
  • Does mom or dad still love me?
  • Will we have to move, and will I see my friends again?

Chances are that you don’t have all the answers to those questions yet. Honesty is still the best policy in these situations. Tell your children that you don’t know quite yet, but that you’re working hard on a plan that ensures everyone’s happiness moving forward. You can also give your children books on divorce to help normalize the situation.

Build a strong support network

Like I said, having a “good” divorce isn’t always easy or even possible. After all, you cannot control other people—your children and your soon-to-be Ex or the way they handle negative emotions.

The only thing you own and can control is your behavior.

You should work toward building a strong support network when divorcing with children. You know your kids will need all the comfort they can get during and in the aftermath of your divorce (even if it happens to be a civil and good one).

Loving, extended family members can be a tremendous resource, both for you and your kids. During a divorce, you might be pressed for time, dealing with appointments and work and meetings with your lawyer while still managing all the mundane everyday things that need to happen for you life to keep running smoothly. Aunts, uncles, and grandparents can deliver a lot of practical caregiving assistance or help with the daily logistics of it all.

The warm and familiar presence of a family member is comforting and reassuring when everything else in your children’s lives seems to be changing rapidly.

Think about the practical aspects of divorce

Healing emotionally is obviously important (especially when divorcing with children) but so is ensuring the best future for your kids. You will have to face the fact that divorce means having a series of difficult conversation with your Ex—accept it and move forward.

Those conversations will have to focus on things like custody, child support, and spousal maintenance. Sorting these issues out of court will be the most painless way to determine what’s best for everyone involved and move on faster. Occasionally, though, a peaceful agreement just isn’t going to be possible.

You know your Ex well, and you know what reaction to anticipate from him*. It’s highly recommended you speak to a divorce attorney before approaching potential challenging issues you foresee coming up. Knowing what your options are will give you a bit of leverage during the negotiations, and an attorney can educate you on what you don’t know. Do not commit to custody or parenting plans without this legal knowledge.

Remember that you’re not always on mom duty

When divorcing with children, creating and activating your support network will give you the much-needed chance to fall apart and grieve while you step away from parenting. Remember the fact that you’re a human being and that your marriage just ended.

A grieving process is necessary, and it’s healthy. Understanding what grief is and allowing it to wash over you for as long as it takes will actually help you close this chapter of your life and move on to the next one.

Can you fall apart during and after divorce? Absolutely! And you should, of course, when the time is right.

There will be days when you’ll feel like staying in bed and not even brushing your teeth. If grandma and grandpa could help with dropping the kids off at school during such moments, you’ll get the opportunity you need to feel what you must—to be angry, overwhelmed, lost, sad, betrayed, or abandoned. (Possibly all at the same time.) Let those emotions out. They need to come out in order for you to metabolize what you’ve been through.

Don’t be afraid to look vulnerable in front of friends or your parents. No one is expecting you to be strong and tough during your divorce (except maybe your kids). If you give yourself an opportunity to mourn what you must—maybe what you’re mourning isn’t even him, really, so much as it is the fantasy that kept you hoping your marriage would turn around—you’ll be better positioned to reclaim yourself and who you want to be as you move forward with your life. You’ll be a better mom if you understand your healing process.

There is no doubt a divorce makes you face your fears. It delivers challenges and changes you never thought would cross your path. At times it will feel like you have to learn fast and have all the answers to every crucial decision. Empower yourself to slow down and seek the information you need to learn about your choices BEFORE making any decisions.

Get informed. Knowing what your options are before you decide anything will allow you to make healthier choices and create a plan. This will anchor you as you endeavor to be honest with your children. Keep the lines of communication open with them and your husband or Ex (if possible). While the divorce process is painful, the way you go about it will determine your and your children’s emotional outcome.

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

Elizabeth S. Coyle is the current Director of Client Services for JacksonWhite Attorneys at Law based in Mesa, Arizona. She serves as a paralegal for the Family Law Department of the firm.

Save your marriage

7 Last-Ditch Efforts to Save Your Marriage When Divorce Appears on the Horizon

A healthy marriage takes work. There’s no questioning that. It requires balancing schedules, maintaining a home, and dividing and conquering whatever life throws your way. And when you add kids into the mix, dealing with all of that can become a full-time job. Maintaining your marriage can quickly slip into a need to save your marriage. Or at least, it feels quick. Like most things in life, we see most of the signs only in hindsight.

Even though a marriage takes work, when it feels like that’s all you ever do, it can start to feel like there is no hope for the two of you—and living in that place is another sort of scary. Surrendering to those feelings and giving up on your marriage may seem like the right thing to do. And in the end, it may be. But one last-ditch effort is almost always worth it.

After all, once you let go of the resentment and make room for true healing, there may still be a spark there. Will you regret exploring some ways to turn that spark into a flame? It’s pretty doubtful. Trying to save your marriage is well worth your time and energy.

Here are 7 common last-ditch efforts to save your marriage when divorce appears to be on the horizon.

1. Slow down

Stop talking about divorce, and focus on saving your marriage. In fact, go even further and try your best to stop thinking about divorce too. It’s like that saying about having your feet in two boats—you’re bound to fall into deep waters.

When things get bad in a marriage, couples tend to jump straight to talk about divorce. When your mindset is changed and you’re focused on how to save your marriage, your attention shifts to fixing the source of your problems instead of simply walking away from them.

2. Go to counseling

If you haven’t tried counseling, it’s worth giving it a go. The key is to find a counselor who both you and your husband* feel comfortable with. Otherwise, your sessions will feel one-sided.

Another crucial thing to remember about counseling is that you just don’t go to the sessions and leave with all of your problems solved. Counseling gives you the tools you need to work on your marriage outside of each session. You need to go into it with that understanding. If the two of you have been doing well with counseling, that’s a great sign that you can overcome whatever it is that you’re dealing with, but those results must eventually extend to your everyday life.

3. Acknowledge your partner’s dreams

A lot of marriages fall apart because one person feels like they are constantly making sacrifices. Find out what your husband really wants to achieve in life and help him go after it, or if it’s you who’s feeling this way, find a way to voice your wants and needs.

Whether it’s dreams of being a painter or building handmade furniture, help each other carve out some time and chase that dream. The alternative is a lot of anger and resentment. Make sure that’s not the case in your marriage. And if you find that you’re already there, work toward balancing the load.

4. A romantic getaway

Sometimes all you need is a romantic trip to reignite the flame in your marriage. It may seem like a quick fix, but the truth is that a change of perspective really can work wonders. That’s not to say that one trip can save your marriage, of course, but the time away from “the real world” can make problems that seemed too big to conquer less daunting. It can remind you that there are other ways to live, and it may not be your marriage that isn’t serving you.

5. Say anything session

A “say anything” session might be a great way to get all your cards out on the table. Simply set the ground rules—what you say at this session stays at this session. You must talk it through during the meeting and resolve it. After that, it all becomes water under the bridge.

Another important thing about say anything sessions—though you likely guessed this already—is that you can say whatever you want. You don’t have to hold back. While it’s good to be able to say what you’re thinking, be prepared to listen too. Really listening is vital because the end goal is to make changes that will benefit both of you.

Ideally, you will both learn to communicatively more effectively over time and no longer need these sessions, but in the meantime, they can help open up a dialogue between you and your husband.

6. Change the victim mindset

A lot of divorces occur because one partner continually feels like the victim of the other partner’s choices. Your husband has a gambling problem, for instance, or they’re addicted to video games. Or maybe you shop too much. One partner has chosen a career that’s led to financial setbacks or that takes too much time away from your relationship. (Money is typically a common reason for divorce and relationship problems in general.) Someone’s mother is around a lot or her say pulls too much weight in decisions.

Whatever it is, one important thing to remember in any relationship is that you are responsible for your own emotions. No one can make you feel a particular way. Your perspective is yours. And you can choose the way you frame your particular challenges in your mind and how you choose to tackle them, together.

7. A short break

Sometimes taking a week or so to sort through your feelings can be another excellent way to put things into perspective. But before you take a break, make sure you establish a realistic time frame. It’s not a separation—it’s just a short break, so it should only be a few days. And it should, ideally, end with some sort of epiphany. The goal is to take some time and sort through your feelings. It’s not about taking a vacation.

Marriage is hard work. But if you make the commitment, it’s because you loved your husband enough to spend the rest of your life with him. That also has to mean it’s worth your time and energy to explore ways to save your marriage and make it last.

Of course, if you find that you still can’t stop thinking about getting a divorced, maybe you really are overthinking leaving your husband and beyond saving your marriage. If that sounds like you, consider working with a divorce coach to help you make the decision that’s right for you and your family. Counseling, romantic getaways—sometime none of it is enough in the end, and we need to be around women who’ve been here, in this in-between place, before us to know which path to take on the journey ahead.

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 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. “A successful divorce requires smart steps, taken one at a time.” – 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.

A woman thinking about asking for financial help with a divorce

How a Certified Divorce Financial Analyst Can Help with a Divorce

Dividing a house, retirement accounts, alimony, child support—all the financial issues that come up in a divorce can leave your head spinning. The process of going through a divorce is incredibly stressful, regardless, but if you’re not comfortable talking about money, facing the topic of splitting up your finances can be downright miserable. You may be wondering how to plan for your financial life after the divorce, how to divide your assets, who gets the primary residence, and how to negotiate spousal support. Having a financial professional on your team to help with a divorce can reduce your stress while allowing you to achieve the best possible financial outcome.

Getting financial help with a divorce is critical as studies have shown that women experience disproportionate losses in income as a result of divorce, increasing their risk of poverty.

When facing a divorce, a person’s first instinct is often to get an attorney involved. While there’s no substitute for sound legal advice, many of the decisions made in a divorce are financial in nature. Having support from someone well-versed in divorce financial planning and analysis (such as a Certified Divorce Financial Analyst) can save you a lot of frustration—it can also save you money on legal fees.

What is a Certified Divorce Financial Analyst?

A Certified Divorce Financial Analyst (CDFA) has extensive training in the financial issues of divorce. The credential is awarded by the Institute for Divorce Financial Analysts and requires extensive work experience and education. These professionals are trained to help you navigate any and all money issues that come up before, during, and after divorce. A CDFA can serve as a financial advocate for just you or as a neutral person who works with both you and your Ex. However, it’s important to remember a CDFA is a financial professional who can’t replace sound legal advice.

What does a Certified Divorce Financial Analyst do?

A CDFA is responsible for looking at your finances, considering the best way to divide assets, and helping you determine the short- and long-term implications of your divorce settlement. By doing so, a CDFA can help alleviate the fear of the unknown. She’ll prepare a financial plan for you based on various scenarios. Having that plan in place will offer you a great sense of confidence (or a reality check, if needed) as you face your financial future.

While every situation is different, the responsibilities of your CDFA may include some or all of the following.

Division of assets

The division of assets during a divorce is more than just a simple split down the middle. Many times, there’s no easy way to split an asset that both you and your Ex want. Your home, furniture, vehicles, among others, come with memories and security that neither of you may want to let go of.

In addition to those physical assets you have, there are financial assets that need to be divided, such as bank accounts, retirement accounts, and life insurance policies. Pensions are commonly the largest asset dealt with in a divorce. Any and all of the pension earned during the marriage is considered marital property and is considered divisible as part of the divorce settlement either by dividing the pension itself or offsetting the value with other assets.

A CDFA will sort out all the details and help you and your Ex determine the best ways to maximize your assets while minimizing the tax impact of your division.

Marital property

If you live in an equitable division state (41 of 50 states are), a couples’ marital assets (those accumulated during the marriage) will need to be divided equitably or fairly. In community property states, marital property is split 50/50. A CDFA can support you and your attorney by determining which items are marital assets and which ones are separate.


If you are wondering about your home and who gets it, you’ll want to read Should You Keep the House During the Divorce?


For example, any money contributed to a 401(k) during the marriage is considered marital property. However, if the account was started before the marriage, a portion of the account may be regarded as separate. The actual definition of what is considered separate property varies somewhat from state to state. Money and things you had before your marriage, gifts you’ve received over the years, and more can complicate an already stressful situation if you don’t have someone to help with a divorce and provide clear guidance on these issues.

Alimony (aka Spousal Support/Spousal Maintenance)

If your Ex provided the primary income, suddenly concerns of how to pay for the house, cover your bills, or whether you’ll have to get another job are at the forefront of your mind. While some states do provide a calculator to determine alimony that will be awarded to the lower income spouse, many do not. In fact, in many states, the issue of alimony is pretty gray.

Some of the factors that contribute to spousal support (depending on the state) include:

  • Your income
  • Health (emotional, physical, and mental)
  • Retirement benefits
  • Length of marriage
  • Childcare status
  • Education
  • Assets and liabilities

When you have a CDFA on your team to help with a divorce, she can do the calculations and give you confidence with projections for how much spousal support is needed compared to how much is available to be paid.

Tax implications of the divorce settlement

Any change in income or accumulation of significant assets can have tax implications as well. In the case of divorce, that’s definitely true. Going from two incomes to one, eliminating an income, or taking on the primary residence all have tax implications. A CDFA will walk you through those challenges so that there’s no guesswork when it comes to that first tax season on your own.

Additional tasks

Additionally, your CDFA will help with a divorce by providing analysis of the settlement, identifying if any information has not been disclosed, and pointing out areas of financial risk in the agreement. A CDFA can also guide you to make decisions that will help your credit score and not hurt it. By hiring a CDFA, you know that your entire financial situation has been evaluated, and you’ll walk away with a clear picture of what your financial future holds.

How is a CDFA paid?

In terms of cost, the fees for CDFA vary widely. Some offer services on an hourly basis, while others offer flat-fee packages. Hourly rates generally range from $150 to $500 per hour depending on the CDFA’s level of experience and the region of the country they work in. Flat fees are typically based on the financial complexity of the case and the extent of the work involved.

To find a CDFA near you, visit the Institute for Divorce Financial Analysts (IDFA) website. At the top of the screen, you’ll see a link to “Find a CDFA.” You can then search either by name or by zip code. Many CDFAs also offer virtual services if there is not one in your area.

Your Certified Divorce Analyst can make financial decisions easier

While CDFA professionals can help with a divorce at any point in the process, choosing to work with a CDFA before deciding how you will proceed makes good financial sense. Not only will it save you both time and money throughout the divorce process, but your CDFA will help you and your soon-to-be Ex work out a divorce settlement that is amicable and fair for both of you. Additionally, she will make the process easier to deal with so that you can focus on the things that matter most to you, whether that’s your kids, your family, or your well-being.

 

Leah Hadley is an experienced mediator, Accredited Financial Counselor, Certified Divorce Financial Analyst, and a Master Analyst in Financial Forensics. After going through her own divorce after ten years of marriage, her goal is to ease the stress of divorce by making the process as painless as possible for couples and individuals alike. When she’s not working, Leah loves spending time with her family, taking her kids on road trips, and volunteering with various organizations like the PTA, NAWBO and Girl Scouts. You can find out more about Leah and her services by visiting her website, Great Lakes Divorce Financial Services.

 

divorce process

The Divorce Process: What You Must Know as a Woman

We work with smart women, and because you’re here, we know you’re one of us. During the divorce process, we also know that sometimes, smart women believe they can outthink their pain, outlogic it. If their pain were a landmark on a map, a deep river splitting the ground in two, they’d lose whole days planning a route around it. But with divorce, the river is never ending, and the only way to get around it is to jump in and swim through.

If you’ve gone through a particularly bad breakup before, it’s easy to underestimate just how difficult the divorce process can be. It’s not just the emotional upheaval it brings to your life—for you may “get over” being married quickly. You may even move on to other romantic partners or physically reside in different homes, but none of this changes the fact that your union, your relationship, is legally recognized, something that may differ from relationships in your past. Your marriage isn’t truly over until the courts say it is.

These two sides to the divorce process, the emotional and the legal, require different things of you.

You’re on a journey, but this journey may sometimes feel like it’s pulling you in different directions, asking you at times to bury your emotions and focus on the practical and then demanding that you confront your demons so you can exorcise them.

Knowing when, where, and how to handle the myriad pieces of this divorce process is half the battle. Below is the easy-to-digest breakdown of the divorce process. As you read about and, even, journey through, keep in mind you don’t have to have all the answers—only some of them. Divorce professionals, the right kind of friends, constructive support groups, and family can help you get through the rest.

Decide what you really want

And that word really is important. We’re not talking about figuring out what you used to want. Or what you kind of want. Or even what you think other people want you to want.

We’re asking what you really want. Getting that honest with yourself can be absolutely terrifying because acting on whatever your truth is might mean tearing your world apart and putting it back together.

If you want a career that your husband doesn’t support, then for you each to be happy, you may have to leave him. If you want a lifestyle your husband doesn’t buy into, then you might have to leave him. If you want a marriage built on open communication but, instead, your husband would rather close parts of himself off and keep secrets, then you might have to leave him. If you want to be happy and your husband thinks “happiness” is a different thing than you, then you might have to leave him. No matter what problems you are having in your marriage, everything hinges on that question of what you might have to do and the fear that’s keeping you from doing it.

Sometimes deciding what you really want means making it a point to get in touch with friends or family members who know you best, who will be honest with you and who, in turn, you can open up to. Other times it means getting still and quiet, digging down into the depths of yourself and taking a look at what you find there.

Of course, there will be pain as you “go there.” But chances are there’s already been a lot of pain, which is what brings you to reading this page.

Get the support you need before you act

We recommend a woman get fully informed on her choices in life before she makes any big decisions, including telling her husband she wants a divorce. And that the best first stop for that, strategically and economically, is with a seasoned divorce coach—a “thinking partner” who can you help you understand both your emotional and legal journey, what your choices truly are, and what good decision-making looks like.

A coach will bring down your stress levels by helping you understand what questions you must answer first and which ones can wait, or what type of divorce (traditional, mediated, collaborative, or DIY) is right for you. And if you’re not sure about getting a divorce—if you’re just wondering what “normal” even means in a marriage—a coach can help you with that too. (That’s right, meeting with a divorce coach does not mean you are necessarily divorcing.) A coach will also be able to make good referrals, like the best lawyer for your circumstances or the name of a well-respected mediator to interview.

Depending on the circumstances of your marriage, you may have the impulse to punish your husband throughout the divorce process in any way you can. Maybe I’ll blindside him, you’ll think to yourself. I’d love to see the look on his face when he’s served with papers. But doing this starts the divorce process off with nothing but charged emotions, ill will, and resentment—and that’s a bad recipe for both your own recovery and any relationship you and your Ex might have in the future. To say nothing about what it could do to the kids. A divorce coach will help you understand what to do with your anger or sense of betrayal, so you don’t lead from a reactive emotional place that often leads to worse, spiraling lawyer costs and wasted energies.

Consult with a divorce lawyer

A divorce lawyer isn’t just going to file paperwork for you and represent you in court—a good one will also help you set expectations so that you understand going into the divorce process what you’ll be facing. Divorce laws vary state by state, and every case operates on its own timeline. If your soon-to-be Ex isn’t being cooperative or there are circumstances, like abuse, that make protecting both yourself and your children especially crucial, then your attorney can help you by taking steps with the court, like an order of protection or, at the very least, ordering your husband to move out of the marital home.

Prepare as much as you can before filing

Prepare, and then prepare some more. The more knowledge you have throughout the divorce process, the more in control you will feel. But don’t just stop there. Get copies of family photographs or other mementos that you’re sentimental about. Set up your own bank accounts and credit cards if you don’t already have them, and change the passwords to your accounts so that your husband no longer has access to them.

Gather important documents, like birth certificates, mortgage statements, and insurance policies, and make sure you understand your financial situation. If you’re working with a divorce coach, she can put you in touch with a certified divorce financial analyst who can help you understand the big picture, like if you can afford to keep the house. After divorce, it’s not likely that you’ll be able to maintain the lifestyle you led as a married woman, and the more that you prepare for this new future, the better off you’ll be.

Be kind to yourself

There’s the end of your marriage, and then there’s the end of your marriage. By that, we mean, there’s the moment you truly realize your marriage is over. You’re not in love anymore, or maybe something has happened—a betrayal, for instance—that you can’t come back from. And then there’s the moment you actually do something about the end of your marriage—you talk with a divorce coach, consult with an attorney, you negotiate the terms of your divorce, and you file the paperwork.

Everything we’ve covered so far deals largely with the practical, legal, and financial aspects of divorce, but mixed up in there are a whole lot of emotions. Even if you feel a sense of relief now that your marriage is ending, you’re feeling so many other things it’s almost impossible to pinpoint your exact mood from one moment to the next.

Are you happy? Maybe. Are you miserable? Always, except when I’m not. Are you lonely? Even in a crowd. Are you angry? Oh, yes, there’s a lot of that to go around. Are you keeping it together? I have to.

Much of the divorce process is riding out these highs and lows until the road evens out again, the journey becomes smoother, or maybe you just become better for all of it.

Get ready for life after divorce

Your divorce is final when you receive your signed divorce decree, or judgment of divorce, from the court. After that you can change your name, if you want to, and take further steps to separate yourself as much as possible from your Ex financially, such as removing them from insurance policies or your will.

But if you have children, then coparenting them can be another obstacle you must learn to overcome—hopefully together, with your Ex.

Even with DIY divorces or mediation, the divorce process can be long, and the ending of a marriage can feel a lot like grieving. But what, exactly, you are actually grieving feels uncertain. Your relationship with your husband? Your sense of family? Your ability to trust others? The image you projected as the perfect couple, the couple your friends liked? Or what your marriage could have been?

After divorce, all of it seems to have gotten so far away from you, and perspective takes time. Be patient with and kind to yourself. We recommend practicing self-care throughout this journey (and really, always) and taking steps to find your support network if you don’t already have one.

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.