Deciding to pursue a divorce is never easy. Whether the decision is mutual or not, it marks the beginning of a major life transition—legally, emotionally, and financially. If you’re contemplating or have already decided to file for divorce in Massachusetts, preparation is key to navigating the process with clarity and confidence. While no two divorces are exactly alike, there are essential steps everyone should consider to prepare for this journey. The more prepared you are at the outset, the more control you’ll have over the process.

10 Steps to Take to Prepare for a Divorce

  1. Gather financial documentation. Collect and organize your most recent bank statements, tax returns, pay stubs, mortgage documents, credit card bills, retirement account statements, and any other records showing assets and debts. This financial snapshot will be crucial during the divorce process and can save you time and stress later.
  2. Establish a budget. Your financial life is likely to change significantly. Try to estimate your current living expenses and what they might look like after the divorce. Include costs such as rent, utilities, insurance, groceries, and any child-related expenses.
  3. Open individual accounts. If all your bank accounts are joint, it may be time to open a checking and savings account in your name alone. You may also want to apply for a credit card that is not tied to your spouse, to start building your independent credit profile.
  4. Consider housing options. Think about whether you want to remain in the marital home or if moving is a better option. If children are involved, housing decisions can be more complex. Regardless, understanding your preferences and limitations will help when negotiating property division or support.
  5. Take inventory of marital and personal property. Make a list of major items like vehicles, furniture, electronics, jewelry, and collectibles. Take photos and keep records of any high-value or disputed items.
  6. Consult with a Massachusetts divorce attorney. Even if you’re not ready to file, speaking with an experienced divorce lawyer can help you understand your rights, learn about the divorce process, and avoid costly mistakes.
  7. Avoid major financial decisions. Try not to make large purchases, sell property, or change beneficiaries on insurance policies until you’ve consulted with your attorney. These actions may complicate the divorce or appear as if you are trying to hide assets.
  8. Prioritize your emotional well-being. Divorce can be draining. Consider working with a therapist or counselor to process your emotions. A strong support system—whether through friends, family, or professionals—can make a big difference.
  9. Plan for your children. If you share children with your spouse, begin thinking about custody preferences, parenting schedules, and how you will communicate these changes to your kids in an age-appropriate way. Their emotional health matters, and your actions during this time will set the tone.
  10. Protect your digital presence. Change passwords to personal email accounts, social media, and any financial platforms. If you share devices or cloud accounts, make sure your private information is secure.

While the process may feel overwhelming, taking proactive steps can ease the emotional and logistical burdens ahead. Every choice you make now lays the groundwork for your post-divorce life. By preparing thoroughly and seeking trusted legal guidance, you give yourself the best chance at a smoother, more manageable transition.

If you’re ready to take the next step, our Massachusetts divorce attorneys are here to help. Contact us today to schedule a consultation.