At its core, divorce is a legal process through which a marriage contract is dissolved. In reality, however, the process is often wrought with emotion. While it’s completely normal and even healthy that an individual who is going through a divorce experiences strong feelings, the vast majority of which are unfortunately negative, during a divorce it’s important not to allow such emotions and feelings to take over.

This is especially important advice for women who, if not prepared, tend to experience more financial hardships than their male counter parts post-divorce. In fact data from the U.S. Census Bureau suggests that within 12 months of a divorce, women are more likely to experience financial setbacks and hardships. It’s crucial, therefore, that women who plan to or who are going through a divorce understand ways to protect or boost their credit score and broker a divorce settlement that provides for both their current and future financial needs and security.

Along with all of the other emotional and logistical changes that accompany the divorce process, come numerous financial changes. From a rent or mortgage to utilities and groceries; necessities that were previously afforded and shared by two people must now be afforded on one’s own. In cases where an individual wasn’t previously in charge of household finances, learning how to manage and budget money can be challenging. Additionally, in cases where a woman never worked, worked part-time or dropped out of the workforce to raise children; divorce often necessitates that an individual secure full-time employment.

In addition to the hefty and often surprising expenses associated with living on one’s own, a recent divorcee may also be unprepared when it comes to funding retirement. While it’s crucial to work out a divorce agreement that provides the financial resources an individual needs to live comfortably today, it’s also important to work to secure a portion of a soon-to-be ex-spouse’s retirement assets.

When it comes to figuring out financial matters during a divorce, a divorce attorney is a valuable resource. Based on a number of factors, including an individual’s current and future financial needs, an attorney will work to negotiate a divorce settlement that alleviates many of the financial pains and worries that are commonly experienced in the wake of a divorce.

Source: Nerd Wallet, “Women: How to Keep Divorce From Ruining Your Financial Future,” Mary Ballin, March 21, 2016