Divorce is wrought with fears, and one of the greatest dreads is "How will I deal with finances?" No doubt, the dollar and cent scenario should be high on your list of worries. You and your spouse probably feel comfortable financially as a couple. But on your own? With children? Can you really make it?

Now is the time to lean on your experience, summon your talents and not let the financial stress get the best of you. You’ll have greater crosses to bear; more important ones than money, so save your strength and learn to accept it!

The following pages in no way offer a cure for every separated or divorced person’s financial dilemma. They will help you assess your current condition and see what you can do about it. So take a deep and cleansing breath: it’s time to send you on your way to better banking days.

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If you’re far behind the financial eight ball, don’t panic. Seek help. Financial planners and credit counselors are available to help you. They’ll work with you, with good results, provided you stick to the following prerequisites:

Be careful to choose a qualified professional; one who clearly states up front, if any costs are involved. It is not essential, that you spend any money for help. Consumer Credit Counseling is free and available everywhere. Many localities also offer free credit counseling as well.

There are voluntary agencies and professionals who do pro bono or low-cost work. Don’t be embarrassed to seek their counsel. And don’t think that low or no cost necessarily means inferior service. There are good people out there who want to help. Banks and lending institutions also often provide such services.