If you have children
If you have children you'll need to agree:
1. where the children will live,
2. when and how you will ensure they have plenty of time with both parents (assuming it is safe for them and you), and,
3. how you will continue to pay for all the things they need.
Sometimes who the children will live with is obvious to you both, but often this is a really hard decision. We’ve produced a separate guide to help you to agree child arrangements (sometimes called contact and residence) that work for everybody, and to help you find a solution if that is not possible. We’ve also produced a separate guide explaining how to go to court about where the children should live if you really cannot agree.
While it’s all going on you have to be extra kind to yourself. Give yourself a few treats – they don’t have to be expensive. I gave myself a treat every time I’d done something really hard.
Money and property
1) Where you will each live
We have another guide to help you sort out your finances when you divorce or dissolve your civil partnership. This section gives you some things to start thinking about. Be sure to look at our more detailed guide on how to divide your home and money when you divorce before making any important decisions.
Next we list some of the things you will need to think about.
- Will one of you stay in the property or will you both need to move?
- If the home is rented or owned only in your ex-partner’s name, it may be that you need to take action to secure your rights to stay. What you need to do depends upon your situation.
- If the family home is going to be sold, how will the money from the sale be divided?
- Will you do it all at once or in stages? Some couples make a short-term and a long-term agreement to fit in with the needs of the family. For example, some couples (who can afford to) agree that one partner will stay in the home with the children until the children have left school, and then sell the house and divide the proceeds.
- Remember even if you move out, if your name is still on the tenancy or the mortgage you are still legally responsible for paying the rent/mortgage.
I was very against the idea of moving. I didn’t see why I should lose my home; it wasn’t me that wanted to end the marriage! But looking back on it, I think it helped create the fresh start that I needed.
2) How you will divide your money and other property
The first thing to do is to make a full list of:
- your property, savings, pensions, investments, car etc. that you own jointly and individually,
- what you each earn, and
- any debts.
Be aware though, that a family law solicitor will not be able to give you proper advice without seeing all your ex-partner’s financial information too.
For how to find legal advice, see the section called More help and advice on divorce.
Next, we list some of the things you will need to think about beforehand. Our guide to sorting out finances when you divorce looks at all of these things in more detail so try not to panic or be put off.
- How you will divide any joint assets like property, savings, shares, and any pensions.
- If there will be a transfer of assets from one of you to the other.
- How you will divide the contents of the family home.
- What you will do about other assets, such as the car.
- How you will deal with family debts.
- If one of you will pay maintenance to the other. (This wouldn’t be common if you have only had a short marriage/civil partnership or if you earn similar amounts).
If you really cannot agree how to share out what you own between you, then we’ve produced a separate guide about how to go to court about the financial settlement as part of your divorce.
If you can manage to afford some legal advice, even if it is just a one-off meeting, it is very likely to help you work out where you stand, legally. If you decide to see a solicitor, take a look at our short guide, How to prepare for seeing a solicitor or adviser, for top tips on getting ready beforehand.
Be aware that sorting out your finances when you divorce or dissolve your civil partnership will take time and effort. There will be times when you have more energy and drive to progress things and other times when you might feel completely overwhelmed. If you find yourself in this situation - don’t worry this is totally normal and you are not alone. Relate has lots of useful information on their website that focuses on the emotional and practical issues that arise on separation and divorce.
We sorted out all the smaller stuff and furniture ourselves with the help of a packet of coloured stickers. We took it in turns to choose something so we each got the things that were most important to us.
Making a Will
If the answer to that is ‘no’ or ‘I don’t know’ now is the time to get some advice on making a Will.
If you don’t have a Will and you are still married (but separated) anything you own on your death will go to your ex in line with the intestacy rules.
If you have a Will that leaves everything you own to your ex this Will applies until you get your final divorce order.
How you will ask for a divorce
When it comes to the actual divorce you will need to decide:
- who will ask for the divorce - just one of you or will you apply together?
- how you will apply - on paper or online through the digital service? To use the digital service you both need email accounts and easy access to computers/smart phones.
The law calls the person who asks for the divorce ’the applicant’ and the other person ‘the respondent’. If you decide to apply together you will be called ‘applicant 1’ and ‘applicant 2’ by the court.
If just one of you applies, that person will need to state to the court in the application that the marriage has ended and cannot be saved. If you apply together, you both need to state this in the application.
You don’t need to agree who will ask for the divorce, but it is best to if you can. It will help your divorce to move as smoothly and quickly (and cheaply) as possible.
Since the law changed in 2022, there is no longer any need to blame one person for the problems in the marriage or give any reasons for the divorce at all, other than that the marriage has ended.
If you don’t agree with your ex’s plan to get a divorce you may feel you want to challenge the application. It is important to understand that this is now extremely difficult to do. In nearly all cases, the court will accept the applicant’s statement that the marriage has ended, as conclusive.
There are only a few reasons, called ‘grounds’ by lawyers that you can use to challenge or ‘defend’ a divorce application. We list these next.
Reasons you can use to challenge a divorce application
- Jurisdictional grounds - for example that neither of you have lived in England or Wales, which means the court in England and Wales doesn’t have the legal power or ‘jurisdiction’ to deal with the divorce.
- The validity of the marriage - this means that the marriage was never valid in the first place so that, in fact, you cannot be divorced.
- The marriage, or civil partnership, has already been legally ended.