Ending a marriage is tricky business, and creating a divorce strategy ahead of time often helps smooth out the process.

2. Divorce often looms on the horizon for quite some time before a couple
finally pulls the trigger. In many cases, by the time they file the
documents, people are emotionally prepared for the process. But being
emotionally prepared and being ready in a practical sense are two
different things. Ending a marriage is a tricky proposition, and creating
a divorce strategy ahead of time often helps people through the process.

3. There are a number of things to consider when creating a divorce strategy. Each situation is
unique, so not everything applies equally across the board. Your choices depend on many
factors: length of marriage, whether or not you have children, employment status, and various
needs. That said, here are ten common steps to consider when creating a divorce strategy.

4. In most cases, divorce shouldn’t come as a shock. People often consider
it for a long time—as they should, it’s a life-changing decision. But this
also provides the advantage of being able to prepare. Take steps to set
up a divorce strategy ahead of time. Meet with an attorney, start saving
money, and figure out exactly what you need and what from a divorce
settlement. You can even make plans for when the deal is done.

5. Laws regulating divorce vary a great deal from one state to the next. There’s no excuse for not being
aware of them. In fact, not knowing can cost you when it comes to child custody, spousal support,
and other areas. For example, Oregon is an equitable distribution state as opposed to our
neighbors, Washington and Oregon, which have community property statutes. This impacts how the
court divides assets and debts when it comes to the divorce settlement. As such, it can have a
lasting impact. And this is just one example of how laws differ from state to state.

6. Divorce often costs quite a bit of money, which probably doesn’t come as a
surprise. Whether we’re talking about a simple, do-it-yourself split or a full,
knock-down-drag-out courtroom trial, there are expenses every step of the
way. Even just filing the paperwork comes with a fee. Every appearance,
hearing, and motion, adds its own additional expenses. It’s even more if
you hire an attorney. Part of creating a divorce strategy should include
saving money so you don’t get blindsided when fees pop up.

7. Are you good at juggling things and keeping details straight? Good, you’ll need to be as you
navigate divorce. It’s like lobbing a hand grenade into your schedule. You’ll have appearances to
make, meetings with your attorney, mediation appointments, and all kinds of places to be. There are
forms to fill out, documents to share and collect, assets to divide, and more. It may initially seem like
a headache to keep everything straight, but getting as organized as possible is a key step of creating
a divorce strategy.

8. Piggybacking on the last step, one of the most important places to
organize is your financial records. Splitting up assets and debts has a huge
impact on your economic footing moving forward. As such, it behooves
you to prepare. During this stage, you need to disclose all of your assets.
This includes bank accounts, pensions, 401(K)s, and property. List all of
your debts, including mortgages, car payments, student loans, and credit
card balances. Know as much as possible about your collective financial
state. How much do you make? How much does your spouse earn? What
property is in each of your names? Understanding your finances is a
significant part of creating a divorce strategy.

9. Divorce is tough on everyone, but it’s important to look after the most vulnerable participants:
children. Emotions run high when a case involves kids and people don’t always think straight.
Learn about child custody laws in Oregon, how the state calculates child support, and topics
like visitation and parenting plans. But the legal stuff is only part of it. You have a lot going on,
but so do they. Children need support during the process. They need child care, they need
looking after like any other time. Additionally, there are added pressures and emotions to deal
with. It’s vital to keep an eye on them and what they need and to let them know they’re loved
even in this stressful time.

10. During a marriage, you and your spouse enter into all kinds of
joint financial arrangements. You establish shared credit cards,
sign for car loans, and put your names on mortgages. Divorce
doesn’t automatically change any of these agreements, which is
important to know as it can impact your credit. Divorce
settlements often detail which spouse remains responsible for
which debts. They usually even contain provisions that your ex
must make certain payments or even refinance a loan to remove
your name. That’s great if it happens, but if it doesn’t, you may
take the hit. It can hurt your credit, and in some cases, if your
name is still on a bill, creditors can come after you to collect. Part
of creating a divorce strategy should entail keeping an eye on
your credit.

11. During what can be a chaotic, emotional, trying time, it’s important to look after your own mental
health. Having a support system in place has a substantial impact on this. Just knowing who has
your back, where to turn to for both legal and personal advice, and even financial help is essential.
You may need someone to watch the kids while you’re in mediation. Or maybe you just need a
friend to have a beer with and remember what normal feels like. Friends, family, loved ones, and
even support groups are often vital in divorce.

12. There are more resources available for DIY divorce than ever before. But it
doesn’t take much for the dissolution of marriage to get complicated. Even
if you don’t wind up hiring a divorce attorney, consider exploring your
options. This is especially true if your spouse has representation. An
experienced attorney can help with creating a divorce strategy and guide
you through the process. Sometimes you need a skilled pro in your corner.

13. Creating a divorce strategy isn’t always just about the divorce. Caught in the middle, it’s all too easy
to get lost in the day-to-day fight. But divorce is about more than right now, it’s about the future.
Don’t lose sight of that, even if all you want is to get through and put this behind you. There are
practical concerns, like changes in tax status, child custody and support, and finding a new place to
live to consider. All of that needs to be addressed, but don’t forget to take the time to look at the
positive, to consider the ways your life will improve. Even if it’s not much, dedicate a little time to
thinking about the possibilities. It can do wonders for your frame of mind.

14. Ending a marriage represents a titanic shift. Hopefully, divorce is a
move in a positive direction, but the process often turns chaotic and
stressful. There’s conflict to attend to, forms to file, bills to pay, and
unexpected twists and turns. Creating a divorce strategy ahead of
time often helps smooth out the process. You’ll surely still encounter
some unexpected bumps, but preparation can help keep them to a
minimum.

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