Rebuilding financial wellness post-divorce

For many couples, Christmas can be a tipping point. Money pressures often peak, emotions run high, and for some relationships it becomes too much. This is why the first working Monday in January is known as ‘Divorce Day’, the busiest day of the year for family solicitors.

Fear of debt and financial uncertainty after separation can keep people stuck in unhappy relationships. But taking practical steps, such as getting free debt advice from a professional and understanding your options, can ease that fear and help you move forward.

But even after a divorce is finalised, money worries can linger.

Here are some practical steps to help you rebuild your finances and regain control.

Create a realistic budget

Adjusting to a single income can be challenging. Creating a clear, realistic budget based on your new circumstances can help you avoid overspending and reduce financial stress.

Our free budget calculator can help you create a quick and accurate budget. Just gather details of your income and regular expenses before you start.

Build an emergency fund

Saving may feel difficult when you’re managing alone, but even small steps make a difference. Tracking your spending, setting achievable goals and automating savings where possible can help you build a financial safety net over time.

Simple ways to save more

Small changes can add up:

• try no-spend weekends, fun activities that don’t cost much
• swap everyday items or habits to reduce monthly costs
• save little and often, even small amounts can boost confidence and motivation

Check out our handy tips on how you can start saving when money is tight.

Improve your credit score

Your credit score affects your ability to borrow and the rates you’re offered. A stronger score can open the door to better deals on mortgages, loans and insurance.

After a divorce:

• check your credit report regularly
• correct any errors
• close or separate joint credit accounts with legal guidance

Our step-by-step guide can help you improve your credit score and build your own financial identity.

Learn more about managing money

If your partner previously handled the finances, it’s normal to feel unsure. But support is available.

• Citizens Advice offers free, confidential guidance on debt, benefits, housing, and money management.
• Talking to trusted friends, family, or a financial adviser can also help.
• If you need debt advice, we can support you with budgeting, benefit checks and suitable debt solutions.

Check what benefits you might be entitled to

Divorce can change your eligibility for benefits. You may be able to get support with living costs, housing and bills.

You may qualify for help with:

• universal credit, especially if your income has dropped or you’re a lone parent
• housing benefit if you rent
• council tax, single-person households usually get a 25% discount
• energy, food, furniture and clothing through local council support or the household support fund

Contact your local council to find out what help is available in your area.

Child benefit

Child benefit can only be paid to one person, usually the main carer. If circumstances have changed, it’s important to update your details.

You can report changes or update who receives child benefit on the gov.uk website.

Check what you could be entitled to

Use our free benefits calculator to see what support you could be entitled to as a single person.

Prioritise your wellbeing

Divorce is a major life change and can affect both mental and physical health. Taking care of yourself, through rest, exercise, and stress-management techniques, can help you stay resilient as you rebuild your life and finances.