Moving Out During Divorce

Relocating, for whatever reason, is complicated enough as it is.  However, the steps you take and the choices you make, when moving during a divorce, can impact your financial situation. Therefore, judicious planning for this all important move is essential.


Things to Plan for When Moving

Financial Preparedness

Logically, this would be your first priority. When leaving, ensure that you are stable financially to avoid difficulties in the future. Plan ahead and have savings/cash available so that you can handle the first and last month’s rent plus security deposit.


With the help of an expert divorce financial adviser and your family law attorney, it is possible to obtain a settlement that helps avoid financial stress.


Part of wise preparation is having a budget that would be the blueprint, so to speak, of your future. Having a plan, and more importantly, sticking to this plan ensures that your money is spent wisely. Knowing how much income you have and keeping your expenses within that income is vital to your financial success.


When relocating, it is important to take into consideration several factors that would affect your budget. Here are just some of them:


Your future location. The type of climate in the place you will be settling in will have an effect on the utility bills you will have to pay. A desert location would mean you would have to pay more for a/c bills while a colder climate would mean higher heating bills during the winter months.


Even taxes vary from location to location, so these will affect your monthly average expenses.

Utility Companies. Initial hookups and service activation to utilities and other service companies need to be factored in when moving.  And if you do not have a good payment history record, companies may require a deposit.

Time of Year You Move.  Although you don’t always have a lot of control over this, even the season when you consider your move will have an effect on the cost of moving. For instance, you may have to pay more to rent a truck or hire movers during the warm summer months because it is a peak season for moving.


The Distance You are Moving To. The farther you move, the more expenses there are. On top of the moving costs, you need to consider moving logistics -- this includes gas, lodging and meals enroute to your new location.


Possessions You Have. More specifically, how much you have. The amount you pay is proportional to the number of things you need to move. Professional movers charge by weight and size. And even if you choose to move your possessions yourself, you would need a bigger and hence, more expensive truck.


If you are downsizing and moving to an apartment or a smaller home, you might also need to pay for storage. It’s a good idea to take this opportunity to pare down so you may not need to pay for a storage facility at all.

Moving into an Apartment. If you are moving into an apartment, there are specific costs associated with it, including:

  • Apartment application fees

  • Security deposit

  • Pet deposit (when applicable)

  • First month’s rent

  • Utility deposit (if necessary)

Shared Custody. In the event that you have a shared custody situation, you would need to take into consideration where your children will stay when they are with you. You may need to pay for extra room that will not be in use for half of the time.

Change of Address. This is an oftentimes overlooked detail when moving. Companies that you should include in the “to contact” list are: your bank, Insurance company for car, life and health, your investment advisor, credit card companies, DMV, state tax board, the IRS and other companies or persons you get statements from or have corresponded with over the past year.  


Kimberly Surber Helps You Plan For Your Financial Future During and After Divorce

Whether relocating after a divorce is by choice or not, Kimberly Surber will help you plan for your move while keeping your financial well being in mind.  As a Certified Divorce Financial Analyst, she can guide you in your financial decisions that will help transition you to your new life in your new location successfully.

Call me today for a free consult: 907-347-3860


Tags: divorce and moving, divorce help, divorce financial help, divorce planning, alimony, spousal support, child support, divorce financial tips, CDFA, divorce advisor

This information is not intended to be a substitute for seeking legal advice from an attorney. For legal or tax advice please seek the services of a qualified attorney and/or qualified tax professional.

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Kimberly Surber

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Kimberly Surber is a Certified Financial Planner®  and a Certified Divorce Financial Analyst®; however such registration does not imply a certain level of skill or training and no inference to the contrary should be made. Information presented is for informational purposes only, does not intend to make an offer or solicitation for the sale or purchase of any securities, and should not be considered investment advice.  Kimberly Surber has not taken into account the investment objectives, financial situation or particular needs of any individual investor. There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investor's financial situation or risk tolerance. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed here. Past performance is not indicative of future results. Investments involve risk, including loss of principal and unless otherwise stated, are not guaranteed. Information provided reflects Kimberly Surber's views as of certain time periods, such views are subject to change at any point without notice. For a copy of our Privacy Policy, see below.

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