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Stay-at-Home Moms and Divorce: How You Can Prepare

Mom and child
When you are a stay-at-home mother for a long time and now face divorce, you may feel very overwhelmed at what lies ahead. One of the most crucial issues for mothers who have stayed at home with children for many years is the security of gainful employment after a long absence from the workforce.

If you face divorce after years of being at home, you need to start preparations for your financial future as soon as possible. Here are some tips to help you get the ball rolling on your future.

Plan for Your Divorce Expenses

A divorce is incredibly costly, and you will have to deal with your own legal fees. You may be able to work something out so your employed spouse will front your expenses until you can make money.

You can also opt for a personal loan through a lender. However, you may find this option difficult if you do not have a solid credit history of your own. Your attorney may also be willing to let you make payments on your expenses. Be sure to discuss your current financial situation with your attorney at your first meeting. 

Set Up Your Finances

Now is the time to set up a budget and make your own payments. You first need to think about your expenses. This not only includes your everyday expenses like the cost of your home, utilities, and groceries. You also need to consider what you will be responsible for after your divorce settlement.

For example, if you and your spouse have accumulated debt during the marriage, you will be responsible for one half the debt, even if the debt is not in your name. This is because Texas is a community property state, so all debt is subject to equal division.

However, this also means you will have to divide your assets evenly as well. If you purchased your home during your marriage and it has equity, you can sell the home and divide the equity. This will help provide the means for a new place to live and some startup money until you secure a job.

Begin the Job Search

Once you have gone over the numbers and you know how much money you need to support yourself, start the job search. The type of job you can get will not only depend on your own qualifications and education but also on how much experience you have.

One issue stay-at-home mothers who re-enter the job force have to contend with is large gaps of time in which you were not employed outside the home. What you need to realize is you may not get your dream job right away. The goal at this time is to find a job that will pay you. Once you get some money saved and can pay your bills, you can begin your search for something else.

Balance Family Time

One of the biggest issues for stay-at-home mothers is the concept of leaving the children in the care of someone else. After years of being the full-time care provider for your children, you now have to balance the time not only with your job but also time with their father.

Understandably, you will need time to adjust to the new life you have made for yourself. However, think of this time as a positive experience. You will show your children you are able to have gainful employment and can help provide them with their needs and even some wants. You are a role model to your children, so be sure to exhibit a can-do attitude, even when difficult.

If you have any questions or concerns on a divorce after years as a stay-at-home mom, please contact Paula D Perez, Attorney at Law.