Many families postpone their separation until after the holidays. There are things that can be done in preparation for that change while you have the time to research online or make enquiries during your time off from work.
Here are some tips:
1. Start collecting financial documents like credit card and bank statements, investment and RRSP statements, mortgage and property tax statements, etc. Prepare a file so that you both have what you will need.
2. You can check your credit rating. In that way, you will have the same information as the bank when you start to negotiate lines of credit or changes to your accounts or even your mortgage.
3. Work from a budget for the holidays. In the event that you are using joint credit cards, it is easier to agree on who will be responsible for costs when you are planning a purchase than when you are paying for it.
4. Find time to research your options. Such things as:
- a survey of the cost of alternate accommodation in your area
- the dates of the school holidays for the upcoming year
- local divorce professionals and their approaches to separation and divorce
- local mortgage brokers
- local real estate agents
Remember that your involvement in your separation and divorce is the most important factor in reaching an outcome that works for everyone.