The One Financial Step That Can Make the Biggest Difference After Divorce
A common question we hear in our community is: “What’s the one financial thing you did after divorce that set you up for success? I’m new to this and want to be financially free and responsible.”
If you’re asking this, you’re already on the right track. Thinking about your financial future now—rather than waiting until things feel urgent—is one of the most powerful steps you can take toward building stability after divorce.
The Power of One Key Step
There isn’t just one magic move that works for everyone, but in our conversations with people starting fresh, one consistent theme shows up: getting clear on the numbers.
Whether it’s creating a budget, tracking spending, or setting up separate accounts, clarity is the foundation of financial freedom. When you know what’s coming in, what’s going out, and what’s left over, you can make informed choices—without the fear of unknowns hanging over your head.
Ideas for Your First Financial Step
Make a budget that reflects your new life. Even a simple spreadsheet or budgeting app helps you see where your money goes.
Open your own accounts. If you haven’t already, set up checking and savings accounts in your name only.
Pull your credit report. Knowing your credit score and debt situation gives you a clear starting point.
Start an emergency fund. Even small amounts add up and give you a cushion of independence.
Meet with a financial expert. A Certified Divorce Financial Analyst (CDFA) or financial coach can help you make a plan that feels doable.
A Gentle Reminder
You don’t have to become an overnight financial wizard to succeed after divorce. You just need to start with one intentional step. Every dollar you understand, save, or redirect toward your future is a vote of confidence in yourself and your fresh start.
At Fresh Starts, we have financial experts, CDFAs, and coaches in our Expert Guide who specialize in helping people rebuild financially after divorce. You don’t have to navigate this alone.
If you’re just starting this journey, download our free ebook, What to Consider When You’re Considering Divorce. It includes checklists, scripts, and compassionate advice for protecting your financial well-being as you begin your new chapter.
Your fresh start begins not with a giant leap, but with one steady financial step in the right direction.