© iJango Network, LLC Published July 15, 2009

Divorce - How to rebuild your life - your credit Your life is not over when you are going through a divorce. You are in for the ride of your life. You will have a bumpy road ahead, but you have to make sure that...   [Plus]

Divorce - How to rebuild your life - your credit
Your life is not over when you are going through a divorce.
You are in for the
ride of your life.
You will have a bumpy road ahead, but you have to make sure
that you are able to take on this challenge head on.
You need to make sure that
you are ready for the world that is ahead of you and what you need to.

You will need to think about more than just the emotional support that you need
when you are going through a divorce.
You need to worry about your finances.
You
will want to have a great credit standing so that you are ready to go on with you
life on your own.
You need to make wise choices for your finances and to keep your
life together and on track.
You will want to start with your credit cards and find
out how to keep them in control.

You want to make sure that you are canceling your credit cards that are in both you
and your ex partner s name.
You want to make sure that you are terminating them
first so that you are not going to have any battles over charges.
You will then
want to make sure that you are getting rid of the credit cards that are not good
for you.
This will include any of the cards that have a high interest rate or that
have annual fees added to them.
You do not want to be paying high interest on a
credit card that you may or may not need for a big purchase at some point.

You will want to make sure that you are finding ways to lower your interest rates
on your credit cards that you do keep.
You can do this sometimes by simply asking
the card companies to do it.
Sometimes if you are a good customer they will help
you with your interest rate and give you a break.
You may want to think very
carefully before you decide to use your credit cards on some of the items that you
purchase.
You need to make sure that you are in need of this purchase before you
decide to make the transaction.

You will need to contact all of your creditors and make sure that you are informing
them that you are divorced and that you are not going to want your ex to have
access to your accounts.
In some of the cases, you may have to close your current
accounts that you both have.
Sometimes they may have to arrange for you to have a
new account set up so that your information is the only thing on the account.
This
will help you keep track of your credit so that you are not going to be responsible
for any purchases if any that are not by you.

You will need to start building new credit for yourself.
You may want to think
about how you are going to do this.
You want to make sure that you are making the
right choices so that you are able to keep your credit in good standing and make a
new path for you to go on.
You want to try and find a way to pay off your old
credit cards and loan amounts so that you are starting with a fresh and clean
slate.

Another good idea is to open up a bank account or savings account so that you can
get on your way to saving money for yourself that you will need later on.
You will
want to make sure that you are able to put a little bit of money away each week or
month so that you can start building up your good name.
This will be a huge help
for you later on when you may try to open up accounts for credit cards or for
bigger purchases like a home, car, or to get any type of loan for any reason.
You
will see how this will also help you build a stronger financial security net for
yourself as well.

You will want to try and keep on track as much as you can.
Avoid buying anything
that you do not need and keep your spending to a minimum.
Once you have achieved
your goal of building up your credit and getting back on the right track, you will
see that you can start your way to a better and more secure financial future.   [Moins]

Divorce - How to rebuild your life, get new clothes and feel good Okay, so you have just gone through one of the most painful times of your life, what do you do now? Well the grieving is over. You need to get out...   [Plus]

Divorce - How to rebuild your life, get new clothes and feel good
Okay, so you have just gone through one of the most painful times of your life,
what do you do now? Well the grieving is over.
You need to get out of your gloom
and move on.
You have been given an opportunity to rebuild your life.
You have
found yourself suddenly single, but you don t realize just how much you have.
You
may see your life as shattered, but you should look at it as a clean slate.
You
need to get back in with the crowd and mingle like you never skipped a beat.

The first step to getting over a divorce is to make subtle changes.
The first thing
that a woman will change about her is her hair.
Hair is special to women.
When you
feel like you have gone through a change, you feel the need to change your hair
because it represents whom you are.
Then you should head straight to the mall and
purchase some outfits.
You are no longer married, and nor should you look like it.

You can wear the tighter shirts and the shorter skirts.
You do not have to go from
conventional to streetwalker, but if you spice up your wardrobe you will feel
better about yourself.
When you wear things that are beautiful, you will feel
beautiful.
You will feel so much about the way that you look.

You should wear colors that you normally would not wear.
You should purchase things
that seem out of your style just to find yourself.
Maybe you already know who you
are, and that s great.
You didn t allow yourself to be dragged down by the divorce.

However, you maybe a little confused.
You may not know exactly what you want from
life and for your future.
That is okay to be a little confused about things.

However, if you go out and you purchase something that your mate would not have
liked, you will suddenly feel better about yourself.

Go to the mall and purchase a fancy dress and go to a place that you wouldn t
normally go with your ex.
It may be the opera, a play, dinner, and so on.
You will
be able to experience something new or do something that you love and you will look
good too.
Being single is not that bad.
You can be whomever you want and wear
whatever you want.
You have so much freedom.
You should take advantage of
purchasing clothes without having to have a talk with your partner.
Your money is
now your money to do whatever you would like.

Regardless of age, if you begin to date sooner than later you will be able to get
over the divorce quickly.
You don t need the emphasis on commitment or even sex.

All you need is to get back in the game.
Go out to dinner.
This way you aren t at
home mopping and you may even find someone who is fun to be with and that will show
you how to love again.
You do not need to have an expectation about anyone, but you
never know where Mr.
Right maybe.
You should never rush into a committed
relationship right after you have gone through a divorce.
If you do, them you may
be setting yourself up for more pain, however if you just purchase an outfit and
have a casual night on the town, you will find that moving is a lot easier than you
thought it would be.

So get up, put on that new sundress and have a great day enjoying life.
With subtle
changes of style, love, laugher, and fun can be just around the corner.   [Moins]

Divorce - moving on and keeping that life insurance! Did you know that your life insurance policy could still cover your ex even if you two are divorced and no longer wish to be apart of each other s lives?...   [Plus]

Divorce - moving on and keeping that life insurance!
Did you know that your life insurance policy could still cover your ex even if you
two are divorced and no longer wish to be apart of each other s lives? Insurance
policies have a lot of fine writing when it comes to this.
You don t want to ignore
your insurance decisions because it may end up making you pay more than you could
ever imagine.
The laws are different for every state, so you will want to check out
what it means for you and your mate, because you may find yourself in the middle of
some expensive complications.
If you have a good insurance agent, you may be able
to protect yourself from this.
You will want to make sure that you think carefully
about your insurance options when it comes to your mate.

First, you need to think about your life insurance.
When you have something that
involves a lot of money, you will want to make sure you know exactly what it is
that you are signing.
When it comes to getting your spouse of your policy you will
want to talk to agent right away.
As soon as the papers are filed, you should see
what you have to do to take them off the policy.

Some states will make the policy invalid as soon as the divorce goes through.
You
may also need to replace them and get a change in the policy.
You can take your ex
off and place your children or others as the beneficiary.
Changing you beneficiary
isn t hard and came be done within minutes.
Think about who pays the premium.
If
your husband wants he can stop paying or cash in the policy and leave you with
nothing if anything happens.

To protect the children, make sure that your divorce states that they keep the
policy with the children as the beneficiary and make sure that he or she shows
proof to it each year.
The only thing is that if a policy lapses, they don t have
to reinstate it.
You may be about of the money, but your ex may be responsible to
repay all the premiums that were paid.

If you would like to name your children as the beneficiary, you will want to open a
trust fund and then name the beneficiary the trust.
This way your ex will never see
the money.
They are not allowed to give the money to the ex, but place it into a
trust fund that the children can collect at 21 or 18, whatever the agreement
happens to be.
Make sure that you have all your bases covered so that your ex
doesn t get any of the money.

Think about the medical insurance.
In some states you can stay on the policy for 36
months after the divorce is final.
You child can be covered until they are adults
when it comes to most policies.
The key is to make sure that you know your HMO
limits.
If you move, your ex may not be covered or for emergencies only.

Homeowners will give you some surprises.
The things that are covered may only be
those of the named insured.
Therefore, if your wife or husband has the insurance in
their name, then your stuff will not be paid for if a fire or other damage happens.

When you move you, make sure that you take everything to your name.
You will want
to take anything that you would miss if it were unable to be recovered.
Your auto
insurance is another things that you will want to think about looking over so that
you know if you are covered under your ex s.   [Moins]

Divorce - How to rebuild your life - about the house in your name Usually in a divorce, the couple that is divorcing needs to make the decision about who is going to keep the house. They need to work this out on...   [Plus]

Divorce - How to rebuild your life - about the house in your name
Usually in a divorce, the couple that is divorcing needs to make the decision about
who is going to keep the house.
They need to work this out on their own or make
sure that the courts address it.
You have to make the decision about what will be
done with the property.
There are many different options and it is important to
make sure that the decision is best for everyone involved.

In a divorce it is usually determined what is going to be done with the house.
You
can either sell it and split the profits between the two people that are getting
divorced if they own it, one person can offer to let the other one have it, or the
other party will buy out the ex spouse.
It will depend on how the divorce is
settled to determine this decision.
It is always better when things are worked out
easily, but sometimes this is not possible and the couple will have to seek the
help from an attorney or court system.

If you are the one that is ready to take on the challenge of keeping the home, you
will want to make sure of a few things first.
You will want to be certain that you
can take on the mortgage payments.
You will have to decide if this is a payment
that you can afford each month.
You must make sure that you have thought about
your income now that you are divorced and what you will be able to afford.

You will also want to think about the fact if you really do want the house or not.

You have to want the house because it is where you want to stay and not just be the
winner of the house to spite the other person.
You have to get through these
feelings and then determine if this is where you want to stay and rebuild your life
after the divorce.

Sometimes it is better for the couples to decide if they should sell the house or
not.
It is important to think about the financial security that you have in time
and think about what you can afford to loose and gain in the situation.
Do you
really want to start your new life over in a house that you once shared with your
ex? Is this the house that you grew up in and want to keep it for sentimental
value, or do you want to make sure that your children are raised in the home that
they know and love? These are a few of things that sometimes people need to think
about and have the right answers for when it comes time to decide what to do with
the house.

If you are the one to be leaving the house after a divorce, you will want to see
how it will affect your credit.
If your name is on the mortgage to the house, and
your ex spouse does not pay, you will be responsible for the loan and your credit
may suffer because of it.
The lender wants their money no matter if you are living
in the home or not.
If you own money on the home it may also make it hard for you
to go out and purchase your own home later on because of the outstanding balance on
this one.

It will be important for you to either make arrangements with the ex that they are
going to be faithful in paying the mortgage or have this documented in the divorce
or you may just want to have them get your name off of the mortgage.
This may
require them to refinance the home in their name only so that you are not longer
financially linked to the home.
This is something that you will have to think
about and make sure that you have everything set before the divorce is final.
You
want to protect yourself as well as keep things settled and peaceful with your ex.   [Moins]

Divorce, how to deal with money issues You need to find ways to save money during the divorce so you don t end up going into debt or needing a second job. When your marriage is over, the last thing on your mind...   [Plus]

Divorce, how to deal with money issues
You need to find ways to save money during the divorce so you don t end up going
into debt or needing a second job.
When your marriage is over, the last thing on
your mind should be your money, but it usually is.
You have to learn ways to
protect yourself so that you have money to live on through the divorce and after
the divorce.
You will find yourself angry and confused after you have announced
your split, but you shouldn t feel overwhelmed about the money you may lose.
Many
people find out the hard way what divorce really means, and it usually means they
leave you with half your stuff.

First, you should never get married without a prenup.
If you don t have the prenup,
you will be in so much water when the divorce comes.
You don t need a prenup just
if your rich, you need a prenup regardless off your assets.
When it comes to your
finances, why on earth take any chances of losing good, hard-earned money?
Secondly, you need to know your finances throughout the marriage.
You need to know
where at least 80% of the money, if not all the money, goes.

You need to know your wealth.
You wealth is your assets minus your debts.
If you
have $10,000 in the bank, and you have a total of $50,000 (which is a combination
of credit cards, mortgages, car payments, and other things that you may owe on),
then you have $40,000 worth of debt, you re wealth is nothing.
However, if you own
you own home and paid $40,000 for it, and have a couple thousand on credit and a
couple grand left on a car payment, you have a lot of wealth that needs to be
protected.
Even if you have debt, you want to make sure that you don t get stuck
with it by protecting yourself with a clause in your prenup.

As for refinancing during the divorce, anything that the other person wants, make
sure you take your name off the deed.
If your cars are in both names, get the name
taken off just so if they fall behind in payments, you don t have to worry about
your credit being ruined.
Usually, the house has to be sold and divided so you
shouldn t have to do anything about your name on the deed.
However, they can buy
you out and then you will need to get your name off the deed and the mortgage.

To really know your finances you should get your credit report.
Many credit vendors
like credit card companies and credit lenders will let you know what your credit is
for free.
However, there is a $15 fee to know if you get it from a credit report
company.
You should also open your own bank accounts and always keep your money
separate.
This way you know what is yours and what is theirs.
You will also want to
keep your credit cards separate as well.
This way you can keep your debt separate
too.

When going through the divorce you will want to think about cutting them off your
health benefits at work.
This way you can save money, plus get them off your
benefits completely.
You will want to change beneficiaries of any policies that you
may have with your mate as the beneficiary.
If you took his name, you can file
paper work to regain your maiden name, however, it is costly; you may want to save
this for later.
You will also want to talk to your lawyer about the house.
The
house should, by rights, sell and the proceeds divided up.   [Moins]

Divorce, move on emotionally Divorce is one of the major chances of life that you may be affected by. You may suddenly feel like your whole world is collapsing. You need to deal with certain issues like the...   [Plus]

Divorce, move on emotionally
Divorce is one of the major chances of life that you may be affected by.
You may
suddenly feel like your whole world is collapsing.
You need to deal with certain
issues like the money, the children, your personal changes, and how you can adapt
to divorce.
First, you have to realize that there is life after marriage.
You can
bring a new life and not be tied down a marriage that just can t work.
You need to
start the divorce process by admitting that it is truly happening to you.
You need
to get out of your denial stage and accept that things will be different.
Don t
expect your mate to come running back, because they have made their decision.
Why
should you let them come back if they are able to cause you so much pain? If
someone can cause you that much pain then they aren t worth it.

To get moving onto something better, you need to learn when grieving is acceptable
and when it is not.
Take your time grieving.
There are many steps that you will
have to go through to get to the point of acceptance.
You will be shocked, then
confused, then angry, and then so on.
You should take months to lie in bed and
contemplate where your life is going.
You can spend a weekend in bed, and then on
Monday get up and go to work and hold your head up high.
You need to take just a
little bit of time to examine your life and then you have to focus on your life and
your children.

You can t just stop being a mother; you have to focus on the children.
You got to
get things together or you will never be happy.
You need to make sure that you are
productive during your days.
Once the divorce is final, you do what you need to do
to be happy and focus on the things that matter in your life.
Don t just give up.

Once you have accepted your fate, you do not need to be so negative about it.
You
can be single at any age and still find true love or happiness.
You need to take
the negative things and then turn them into something positive.
Leave the past in
the past and focus on the present and future.
Enjoy what you have and look forward
towards the future.
You should not hold grudges, because it will effect the
children.
You want to make sure that your children will be able to make a smooth
adjustment.
You will also want to forget about regret.
You shouldn t regret your
marriage because there were so many good memories that you had.
If you had children
as a result of the marriage, then you obviously wouldn t want to regret them.

To start the moving on process you need to be a bigger person.
Even if you want to
yell and curse and be difficult, remember that you have children and ask yourself
what they would think of you if they saw you acting like that.
You need to be a
role model for your children.
You can t show them that you are upset, because they
look at you as their guardian and protector.

Once you have regained yourself you can then begin to plan your new life.
You can
purchase a new home, buy a new car, and rebuild a life that is completely what you
want.
You have complete control over everything.
You have so much freedom and you
should advantage of the freedom.
Change your appearance, redecorate the house, do
whatever it takes to find yourself.   [Moins]