Your financial situation often changes significantly after divorce. New expenses, new living arrangements, and changes to income can make it difficult to feel in control. A clear, realistic budget and cashflow plan can help you regain confidence and build a secure financial foundation for your future.
At Every Step Financial Solutions, we provide practical, independent budgeting and cashflow advice to help you understand your new financial position and plan for the months and years ahead. If you’re also making decisions about pensions, property or savings, our full divorce financial advice guide can help you see how all areas of your finances work together after separation.
At Every Step Financial Solutions, we provide practical, independent budgeting and cashflow advice to help you understand your new financial position and plan for the months and years ahead. If you’re also making decisions about pensions, property or savings, our full divorce financial advice guide can help you see how all areas of your finances work together after separation.
Preparing For Your Future
Why Budgeting Matters After Divorce
Divorce not only affects your emotional wellbeing — it also impacts almost every part of your financial life. Understanding what your money looks like now, and what it will look like in the future, is essential.
We help you gain clarity around:
Changes in income
New or increased household expenses
Child-related costs
Mortgage or rent commitments
Savings goals and emergency funds
Short-term stability and long-term planning
We work with you to create a plan that’s sustainable, realistic, and tailored to your lifestyle.
For many people, budgeting is closely linked to decisions about assets and pensions, which is why our dedicated property, assets and savings guidance can help you compare your financial options with confidence.
Key Areas We Assess in Your Cashflow Plan
Income & Earning Capacity
We review all sources of income, including salary, self-employment, benefits, child maintenance, and any future income changes. If maintenance or income changes are part of your settlement discussions, our working with your solicitor guide explains how we support legal negotiations with clear financial analysis.
Essential Living Costs
We help you calculate day-to-day expenses such as housing, utilities, food, transport, childcare and insurance — giving you a realistic baseline.
Lifestyle & Discretionary Spending
We identify areas where adjustments may be needed and help you prioritise what matters most.
Savings, Emergency Funds & Future Goals
We help you rebuild savings, create an emergency buffer, and plan for important future costs. If your long-term plans also involve pensions, our pension advice during divorce page explains how future retirement income fits into your budgeting strategy.
Debts, Loans & Financial Commitments
We analyse loan repayments, credit cards, and financial obligations to ensure they are manageable.
Long-Term Financial Security
We show how your decisions today affect future wealth, retirement prospects, and financial independence.
How Cashflow Modelling Helps You Plan Ahead
Cashflow modelling allows you to see your financial future clearly.
We use this tool to show how your finances could look in:
6 months
1 year
5 years
10 years and beyond
This helps you understand:
If your current lifestyle is sustainable
Whether you can afford the home you want
How your choices today affect future savings
When you might achieve long-term goals
The impact of childcare costs or major life events
Seeing everything in one place helps you make decisions with confidence. Cashflow modelling is also extremely useful when comparing settlement options, which we explain further in our guide to property, assets and savings during divorce.
Common Budgeting Challenges After Divorce
We help you avoid common difficulties, including:
Underestimating new household costs. A clear overview of property affordability during divorce can also help you decide whether keeping or selling the family home is realistic.
Not accounting for changing income.
Forgetting annual or irregular expenses.
Relying too heavily on credit.
Feeling overwhelmed by where to start.
Trying to maintain the same lifestyle without the same income. Our dedicated page on pension planning during divorce can also help you understand how your future income may change.
Neglecting retirement or long-term financial planning.
With expert support, these challenges become manageable.
Our Process
Our Six-Step Budgeting & Cashflow Advice Process
01
Initial Discovery Consultation
Understanding your new financial circumstances, responsibilities, and goals.
02
Income & Expense Information Collection
Gathering statements, bills, income details, and financial documents.
03
Cashflow Assessment & Budget Review
Analysing your current financial position and identifying key areas for improvement.
04
Scenario Planning & Option Modelling
Showing how different choices could impact your finances in both the short and long term.
05
Personalised Budget & Action Plan
Providing a clear, tailored budget designed to fit your lifestyle and long-term goals.
06
Ongoing Guidance & Financial Check-Ins
Supporting you as your circumstances evolve and helping you stay on track.
Common Mistakes People Make During Divorce
This service is ideal for:
Property, Assets & Savings
Decisions about the family home and joint assets can be stressful. We guide you through:
Whether to keep, sell, or transfer the property
How to divide savings and investment accounts
Understanding equity, affordability, and borrowing
Options for buying a new home post-divorce
We help you understand both short-term and long-term consequences so you can make grounded decisions.
Customer Testiomonials
Joanne is very thorough and efficient and takes the time to explain all the details of the work she undertakes. I won't be going anywhere else for my financial advice
Spoke with Jo for ten mins, and was told more about withdrawing my pension pot in them minutes than the Provider has told me in the last 7 weeks. Very professional and very helpful, would certainly recommend
Jo was so helpful. After having concerns on some financial queries, Jo was very knowledgeable and reassuring. She helped put my mind at ease and has given me confidence in moving forward.
First time using Every Step Financial Services and they have been brilliant, professional while making you feel comfortable as sometimes talking about things what they deal with are confusing and sometimes hard to understand for me anyway , this company can walk the walk as well as talk the talk thank God!!
Joanne was brilliant. listened to what I needed and then went through my pensions and explained what was going on with them. Would seriously recommend Joanne to all my friends & colleagues.
I am delighted to speak on behalf of JOANNE FLANAGAN of Every Step Financial Services. Joanne has provided financial advice to my wife and I for some time now and she has always offered this advice in a most professional manner. She listens carefully to our views and reflects them in her judgements. For many years Joanne ably monitored our investments and offered us advice on the way forward. Recently however Joanne has gone beyond what we could have expected as she has supported us with help, compassion, and understanding during our daughter's difficult divorce. We have had to loan our daughter much of our savings to fund her legal bills which have come in at irregular and sometimes unexpected moments. Joanne has always been there to with advice and help organising the arrangements and managing our withdrawls. She has proved herself a true friend as well as a financial adviser. When the divorce is settled and the loan repaid I look forward to reinvesting our savings with Joanne and Every Step. Thank you Joanne Frank Jeffs 14/12/24
First class service, with Joanne going above and beyond the call of duty. She is always available for a chat about plans, keeps me informed and quickly actions changes when needed. Can not recommend highly enough
Jo is a an actual lifesaver. I was on the hook for a >£100k inheritance tax bill after an 18 month probate process. My lawyer had tried everything, and we were in dire straits - the bill exceeded what was available in cash to pay it. I got second and third opinions from lawyer friends… No one had any better news for us. In desperation I turned to Jo who immediately spotted that I was entitled to transfer some of my deceased father’s allowance since my parents never divorced. SOMETHING MY LAWYER COMPLETELY MISSED! Unlike Jo, he’d just assumed that because they weren’t together, they were divorced. Jo takes the time to know her customers, assumes nothing, listens to EVERYTHING and that, along with her razor sharp mind and fairly recent training means she is on top of all the most recent legislation and can get the very best outcomes for her clients. My bill dropped to £8.5k thanks to Jo’s knowledge and intelligence and I am forever in her debt. Thank you, Jo. I cannot sing your praises highly enough, and my mum would be so, so grateful to you 🙏🏼
I've worked with Jo for a few years now & she is extremely approachable & friendly. Her advice has helped so much in understanding about my future finances. She actually talks in a language that I understand & makes it easy to get to grasps with financial stuff which is not my forte. I have recommended Jo to friends & family & they have benefitted from her advice too.
Absolutely incredible service! Joanne took the time to sit with us, talk to us (not at us!) and understand our very complex, individual circumstances. Her advice was unbiased, considered and perfectly suited to our needs. Highly recommend!!
Jo has helped my wife and me with our pension planning and given us general financial advice. She is extremely knowledgable and helpful and we can highly recommend her services.
contact us
Build a Clear, Confident Financial Future
A strong budget and cashflow plan can make all the difference after divorce.
We help you understand your financial position clearly, take control of your spending, and build a secure future for you and your family.
Call us at 01422 652300 or fill out our form, and we’ll contact you within one business day.