Spring Cleaning After Divorce

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It’s that time of year when we open the windows and enjoy the fresh air! It always made me feel better hearing the birds chirp, smelling the fresh air and cleaning as if it were a new beginning. Well, on a positive note, divorce is a new beginning! Put aside all the emotional feelings like sadness, anxiety and doubt about what you are supposed to next, and consider some of the following tips for your financial spring cleaning!

1. Get your financial house in order. Update your will. Check that you have the proper beneficiaries listed on your life insurance policies. Review your retirement plans and get rid of non-performing investments (contact your CDFA or financial advisor if you need help). Get a file box or use a file drawer and label your files. Doing this will it easy to find any important financial papers.

2. If you aren’t doing what you love or loving what you do, then prepare to make a change! Update or write your resume. Take some courses and explore new opportunities in your area or an area that you would like to be in. Expect more from yourself. I’m sure you will be amazed what you’re capable of achieving.

3. Review your credit report!! Not only is identity theft a concern today, but so is human error. I recently found that there was a major mistake on my credit report and it took me a lot of time to have it corrected. It is also a good place to see if you or your spouse have any accounts that you were unaware of. If you haven’t already, make sure to establish credit in your name. Open a credit card, or the next time you purchase a car, register it in your name only.

4. This is also a great time to review your benefits at work. If you aren’t involved in a retirement plan, and one is offered, enroll!! If you are already active in a plan, review it!! It may seem overwhelming and out of your comfort zone so consult a financial advisor. Most advisors are happy to review your statements and offer you some advice.

5. I am sure that you just got your taxes done and you are saying, -Next year I will be more organized!- That’s what I said! So go buy a file for tax receipts only! Ask your accountant if s/he can provide you with some areas that may save you money on next year’s tax return.

6. Divorce is a big change and a new beginning. You will want to update your wardrobe, and feel pretty!! I am a big supporter of dressing the way you want to feel!! This can be costly, so make a plan. First, clean out your current wardrobe. There are consignment shops, example: Plato’s Closet, where you can sell your clothes and use that money to purchase new clothes for yourself. If you already have a budget, donate your clothes to women’s shelters. You will feel great about helping other women and they will greatly appreciate it!! It’s a win win!!

7. Divorce is draining, I know. Emotionally and financially, you feel exhausted. You will need time to rebuild yourself and your finances; start by setting long and short term goals (write them on paper). Prepare your new budget and then meet with a financial advisor. You work hard for your money and your advisor can help ensure that your money is working hard for you.

Lastly, accept what your financial situation is now, make the changes that you can, and live accordingly. Focus on implementing the above suggestions and you will be able to move forward confidently rather than living in the past.

Catherine Shanahan is a Certified Divorce Financial Analyst who has been there, and is there for you. She founded CSM Divorce Solutions to help you through the emotional and financial challenges of divorce, no matter where you are in the process. Catherine is your trusted financial advisor.

Learn more on the CSM Divorce Solutions website.

My Husband Wants a Divorce – Examine Your Role in Your Marriage through Six Questions

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My husband wishes for a divorce”; that is a hard fact you have to accept regardless of whether you like it or not. Yet, it doesn’t have to ended that way. Here’s six questions you should consider to help you save your crumbling marriage.

Before the darkness of the night puts her into pensive mood, she looks at the ring around her finger. It was right there at the porch where he proposed to her. No, it wasnt like the movies. He brought nothing else to make the ambiance more romantic but still, she found it the sweetest thing he had done for her. But as she stares at the ring again, a teardrop falls onto her hand. Theyve had big fights recently. Musing on his gestures, justifications and preferences, she concludes, “My husband wants a divorce.”

Giving in to separation seems to be the easiest way out. But a wife who values the sacrament of matrimony will ask herself how she can satisfy her husband in different ways. In evaluating her role in their union, she must answer the questions stated below.

Do you thank him for addressing your familys needs?

Mens role in our society centers on providing for their families. Centuries ago, they go hunting in the forest and bring food for their families. Presently, with our gender fair programs, it may not be as emphasized as before but still, they would like to attain that feeling of accomplishment and pride for attending to the needs of his loved ones.

Do you give him enough silence?

Women tend to talk much more than men. When they are strained, confused or contemplative, they need minutes to think by themselves. Though this makes them difficult to figure out, they consider the quiet time golden. If he doesnt feel like chatting, dont force him. Though he isnt verbally communicating, he is still thinking.

Do you directly say what you want?

Another difference between men and women is how they convey their message. The former are straightforward while the latter beat around the bush. This unlikeness causes serious arguments and worse, it makes some wives say, “My husband wants a divorce.” Refrain from making long introductions or from letting him read between the lines always. Cut your introductions short and dont let him decipher your coded words. As much as you can, dont be ambiguous. You can still do it with tact.

Do you sometimes make the first move in lovemaking?

Lets face the fact that sex is important for men. Women who are boring in bed disappoint them. If you are too tired to make love, all you have to do is explain and be understood. Moreover, men dont want to be in the driving seat always. They want their partners to do their share of first moves as well. By the way, men love sexy underwear.

Do you let him hang out with his friends?

Like women, men need the company of friends. Talking about sports, cars, art and current events over some bottles of booze makes them realize there is a world outside their home. Dont get easily jealous with the time he spends with his friends. Otherwise, hell think you want to control his life.

Why Divorce Via Internet Is Fashionable

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Divorce is not a joke and it has a great impact on both the husband and the wife’s life since it heads them toward a completely new life where they had to join new partners. It has been made certain now that most of the couples feel in favor of the divorce and they all are of the opinion that the only solution for all their worries related to the post marriage worries is none other than the divorce. It is very hard to follow the court procedures and people find it very tough to find the right solution to go for the solution through court procedure. Without so much of hassle, couples now get the divorce through online divorce procedure and they feel it quite certain that there is none other solution for them as compared to the divorce.

If one will go to countries like USA, then they will find that on most of the occasion’s majority of cases are being solved in no time but the attorneys are the biggest problem as they charge a lot of money, which is a big headache for majority of peoples. There is no doubt at all that majority of times one will find that all the divorce papers are now available online and one will find that on most of the occasions they can be the real solution for most of the cases without doubt. People find quite easily that online solution is the major solution for divorce as it can provide the hassle free situation but one will also find that guaranty is important and that is why most of the couples look for the guaranteed online divorce.

Most of the people who find the divorce to be the next step search for the online divorce forms and these forms now are available online and free of cost but on some occasions one will find that they have to pay nominal fees. There is no doubt at all that most of the times nowadays, people are going for the online divorce service and there is no doubt at all that these types of services have become very popular since they save the people from hassles, which they find which they find while going to court. People find these days that most of the online divorce court, which is available on the internet these days, solves the divorce cases in no time and they provide the hassle free methodology for all these cases.

Information technology has been the key during the past few years and has helped the people to go for the best quality solutions in the entire field including various fields related to the law and order as well.

In fact, it is the information technology, which has helped to develop the online solution for various problem and the online divorce solutions, is the outcome of years of work on the information technology. Undoubtedly, most of the people now want online divorce and one will definitely find that these kinds of solutions are becoming quite popular all over the world. On most of the occasions, one will definitely find that most of the couples are going for the online help and this is definitely the best solution for them.

Divorce Records Now Make Background Checks Possible For Employers

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Being an employer, you are not only entrusted with the working of keeping a company afloat but also entrusted with the work of recruiting the right person for the right job. But there are times when you do not know if you can actually rely on the information provided by the prospective employ. What could you do in cases such as these? You would either have to go out of your way to get the help of a professional that can cost you a bomb or perhaps just go with the information given to you by the candidate. Luckily for you if the applicant is a divorcee, then you can definitely get all the information about that person with divorce records that are available online.

Yes, you read that right! You can now actually get a hold of divorce records from the internet and get all other information about that particular person from the same repository. Ever since divorce records have been made public, many individuals and companies are tapping into this particular resource to gain more information about a person in question.

If you have the name of the candidate, the date on which he or she was granted the divorce and also the name of the state in which the divorce was granted, then you sure can get your hands on the necessary information. Each state has a public repository where such records are kept safe and such repositories can be accessed through the official website of that particular state. When you get a hold of the actual divorce records, you would also be able to find any other charges on that person attached to the same file.

Hence, from just one place you can actually get all information pertaining to that particular person. If you are looking for any criminal charges or other petty charges, or any other possible offence, then you sure can find them linked to the divorce records. Divorce records would also give you information regarding the children from that marriage, any alimony that was granted by the court and other such financial information that the court had ordered.

These records are public information and it is not only through the governments website that you can get access to them but there are also many commercial websites that are dedicated to make such information available to the public for a certain fee.