From We to Me: Your First 90 Days of Money After Separation

Money after separation doesn’t have to be a guessing game. From We to Me is a calm, 40-page workbook that turns a two-income life into a one-income plan you trust, in 90 days, one step at a time.

When a relationship ends, money stops being “ours” overnight, but the paperwork, the bills and the habits take months to catch up. Maybe your partner handled the money. Maybe you handled all of it and now you’re doing it alone. Either way, you’re making big decisions while you’re tired.

This money after separation workbook is the practical, plain-English version. It stays on the part you control: your day-to-day money, now that it’s “me” instead of “we”. It is general education, so it doesn’t try to tell you how to divide property or negotiate a settlement. That’s a job for your lawyer, and the book gives you the questions to ask.

What’s inside the money after separation workbook

• Chapter 1, Find, Freeze, Photograph: the first-week checklist for what to find, protect and copy, before anything else
• Chapter 2, The Floor Budget: a one-income budget that works even if a payment from your ex is late
• Chapter 3, The Name Audit: move every account, bill and login into your own name, plus a credit and digital security check
• Chapter 4, Kids and money: a shared costs tracker that ends the “who paid for what” arguments
• Chapter 5, Safety net and retirement: a safety-net ladder that starts from $0, plus a simple retirement check
• Chapter 6, Money confidence: a 3-question decision filter, a 48-hour rule and a 20-minute weekly Money Date for when you second-guess yourself

You also get 6 fill-in worksheets, a 90-day plan, a page of questions to ask your lawyer or adviser, three quick-reference cards and a support and safety page.

Money after separation, with real numbers

Every chapter follows Kate, a worked example with two kids and one income. Her household goes from $9,300 a month to $4,700, about half, but rent, power and groceries don’t halve with it. You’ll see exactly how she builds a Floor Budget that fits her own pay, treats child support as growth rather than oxygen, and settles shared kids’ costs with one message a month. Then you swap in your own numbers.

Who this money after separation workbook is for

• You’ve separated, or you’re about to, and you’re running money on one income.
• You want practical steps and worksheets you can fill in at the kitchen table, not legal theory.
• You’re starting from zero savings and want a plan that begins small and steady.

Every chapter works without children, so if that doesn’t apply to you, skip Chapter 4.

Product details

• $27, instant PDF download
• A4 money after separation workbook, 40 pages, six worksheets
• Region-neutral: plain $ examples, no country-specific laws
• Print the worksheets as often as you like for personal use

Income changes every month as well? See The Up-and-Down Paycheck.

Frequently asked questions

Is this legal advice? No. It covers everyday money after separation, from budgets to bills, and points you to a lawyer for settlement, property and child-support questions.

Does it work in my country? Yes. It uses plain $ examples and no country-specific laws.

I’m not divorced yet, just separated. Is it for me? Yes, it’s built for the first 90 days, whatever stage the paperwork is at.

I have no savings at all. That’s who Chapter 5 is written for. It starts at $0.

Can I print it? Yes. Print the worksheets as often as you like for personal use.

Is it only for mums? No. The worked example has two kids, but every chapter works without children; skip Chapter 4.

Want a tracker to go with it? See the interactive budget planners at LifePlanned.

General education only. Not legal, financial or tax advice.

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Not ready yet? Try the free sample pack

Two calm money worksheets from our ebooks, the Floor Budget and the Baseline Month, plus weekly tips.