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Divorce Financial Settlement

Safe first steps, a full map of what you both own and owe, disclosure done properly, the home, pensions, debts and maintenance decided, and a binding order carried through to independent accounts.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Then open the Marketplace in the app, search for Divorce Financial Settlement, and click Install. It goes into your own files, and works offline from then on.

Before you start: this plan is general information to help you organise your own money decisions. It is not financial, investment, tax or legal advice. Check decisions that matter with a qualified, licensed adviser in your country, and remember that investing and trading can lose money.

What it installs.

1

Pillar

1

Area

50

Projects

202

Starter tasks

💷 Personal Finance

Divorce Financial Settlement

Untangling finances after separation: disclosure, splitting assets and debts, maintenance and setting up independent accounts.

  1. First-fortnight money safety after separation
  2. Opening a sole bank account of your own
  3. Map of every joint and sole account
  4. Separation-date balances snapshot
  5. Interim bill-paying agreement while separated
  6. Living costs on one income after separation
  7. Credit file check for financial links to your ex
  8. Secure folder for settlement paperwork
  9. Choosing a route to the financial settlement
  10. Shortlisting a family law solicitor
  11. Settlement correspondence and deadline log
  12. Monthly watch on joint accounts during separation
  13. Legal and mediation costs budget and tracker
  14. Income evidence file kept current
  15. Child maintenance payment record
  16. Shared children's costs ledger between homes
  17. Pause rule before agreeing money terms
  18. How full financial disclosure works
  19. Completing your own financial disclosure
  20. Matrimonial and pre-marital assets explained
  21. How pensions are treated on divorce
  22. Spousal maintenance options explained
  23. How child maintenance is worked out
  24. Tax on transferring assets during separation
  25. Reviewing your ex's financial disclosure
  26. Rehousing budget for both households
  27. Keep, sell or buy out the family home
  28. Buy-out mortgage affordability check
  29. Pension valuations and specialist report
  30. Splitting joint debts and loans
  31. Dividing savings, investments and shares
  32. Dividing cars, contents and personal belongings
  33. Clean break or ongoing maintenance decision
  34. Settlement offer comparison model
  35. Preparing for the first mediation meeting
  36. Preparing for a court financial hearing
  37. Turning the agreement into a consent order
  38. Timing the final divorce order around the money
  39. Implementation checklist after the financial order
  40. Completing the pension share after the order
  41. Updating wills, beneficiaries and nominations
  42. Two-home children's budget agreement
  43. Money safety when leaving economic abuse
  44. Rebuilding financial independence after years at home
  45. Divorce close to retirement
  46. Separating as an unmarried couple
  47. Business interests in the settlement
  48. Tracing undisclosed or hidden assets
  49. Varying maintenance after circumstances change
  50. Cross-border assets in an international divorce

Where it starts.

Each project arrives with its purpose, milestones and first tasks written out. Here is how the first three read.

First-fortnight money safety after separation

Separation often starts with a scramble: one person moves out, joint cards are still live and nobody is sure who is paying the mortgage this month. Spending the first two weeks securing your own logins, agreeing that neither of you moves large sums and making sure financial post reaches you protects you from sudden withdrawals and missed payments before any negotiation begins.

First tasks

  • List every login, PIN and shared device your ex may know
  • Change passwords and PINs on accounts in your sole name
  • Email your ex proposing neither of you moves large sums from joint accounts
  • Redirect post for bank, card and pension letters to where you now live

Opening a sole bank account of your own

Anyone whose wages, benefits or child payments land in a joint account depends on the other person's goodwill to reach them, and some banks freeze a joint account when either holder reports a dispute. A current account in your sole name, ideally at a bank where you hold nothing jointly, gives your income somewhere to arrive and your bills somewhere to leave from that nobody else can see.

First tasks

  • Compare two or three banks where you hold no joint accounts
  • Open a sole current account using a private email address
  • Give your employer the new account details before the payroll cut-off
  • Move any benefit payments in your name to the new account

Map of every joint and sole account

Settlements are built on a complete list of what exists, and the accounts people forget are usually the small ones: an old savings account, a store card, a pension from a job ten years ago. Listing every account, loan, policy and pension held by either of you, and whose name each is in, makes disclosure faster and stops surprises turning up late in negotiations.

First tasks

  • Start a table with provider, account type, owner and last four digits
  • Search old emails and post for providers you have forgotten
  • Use your country's pension tracing service to find old workplace pensions
  • Mark accounts you believe your ex holds but cannot prove
  • Recheck the map for accounts opened or closed since @recurring(quarterly)

Make it yours.

Install Divorce Financial Settlement, then tell Aurum the date you're aiming for. It checks whether the plan fits the weeks you actually have.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Blueprints are general information to help you organise your own work. They are not medical, financial, legal or other professional advice. See the Terms.