Everything can be ok in the end. Divorce can leave you feeling vulnerable, especially if you’ve been out of work, cared for children, or are close to retirement. If you’re worried about paying the bills or keeping a roof over your head, there are immediate steps you can take to protect yourself and secure financial support.

1. Immediate Legal Protections and Financial Relief

If you’re at risk of being left without money or a home, don’t panic—there are legal options:

• Maintenance Pending Suit:
  You can apply to the court for interim financial support from your ex while the divorce is ongoing. This is called “maintenance pending suit.” The court will look at both parties’ needs, income, and earning capacity. If you’ve not worked for years or have caring responsibilities, the court will take this into account. If your ex has money, you do not have to be left destitute while waiting for a final settlement.
  
  

• Occupation Order:
  If you’re at risk of being made homeless or need to stay in the family home (especially with children), you can apply for an occupation order. This can give you the right to remain in the property, even if it’s not in your name, while the divorce is sorted.

2. Maintenance and Support for Living Costs

• Spousal Maintenance:
  If you have little or no income, you may be entitled to spousal maintenance. The court considers your needs, your ex’s ability to pay, your health, age, and whether you can realistically work. If you’ve been a full-time parent or have reduced mobility, this will be factored in.
  
  

• Child Maintenance:
  If you have children, you can claim child maintenance from your ex. This is separate from spousal maintenance and is usually calculated based on your ex’s income.

3. Benefits and Universal Credit

• Universal Credit:
  If your income is low, you may be eligible for Universal Credit, which can help with living costs, rent, and childcare. You can apply online and will need to provide details of your income, savings, and housing.
  
  

• Other Support:
  Check if you qualify for council tax reduction, housing benefit (if you’re in temporary accommodation), or disability benefits if you have health issues.

4. Housing Options and Security

• Staying in the Family Home:
  If you have children or health needs, the court will prioritise your housing security. You may be able to stay in the home until the children are grown, or until a final settlement is reached.
  
  

• Alternative Housing:
  If staying isn’t possible, look into renting, social housing, or shared ownership. Councils give priority to those with children, health needs, or at risk of homelessness.

5. Maximising Income and Managing Expenses

• Work and Retraining:
  If you’re able, consider part-time work, flexible jobs, or retraining. If you’re near pension age, check if you can access any pension income early.

• Budgeting:
  List your essential expenses and look for ways to cut costs—switch suppliers, cancel non-essentials, and seek out discounts.

6. Asset Division and Long-Term Planning

• Fair Share of Assets:
  The court will divide assets based on needs, contributions, and future earning capacity. If you’ve not worked due to caring for children, this is recognised. Pension sharing may also be available, giving you security in later life.

7. Emotional and Practical Support

• Support Networks:
  Reach out to friends, family, or local support groups. There are online communities for single parents and those starting over after divorce.

Actionable Checklist

• Apply for maintenance pending suit if you need immediate financial help.

• Consider an occupation order if you risk losing your home.

• Claim child and spousal maintenance if eligible.

• Apply for Universal Credit and other benefits.

• Prioritise housing—speak to your council if you’re at risk.

• List your expenses and look for ways to cut costs.

• Gather evidence of your needs and circumstances for court.

• Seek support from local or online groups.
  
  

Conclusion

You do not have to face financial hardship alone after divorce. There are immediate legal protections and financial supports available, especially if you’ve been out of work, cared for children, or have health needs. Take action early, document your needs, and use every resource available to secure your independence and stability.

Disclaimer: This article is for informational purposes only and does not constitute legal, financial, or tax advice. Outcomes may vary depending on individual circumstances and the evidence submitted to the court.