Separation and divorce · Educational article
Two households: questions before making assumptions
First published November 2026 · Please verify official guidance before acting.
The starting point
When a household separates, everyday costs may change substantially. Prepare separate estimates for accommodation, utilities, travel, childcare and debts. Distinguish assets and liabilities owned jointly from those held individually.
Practical questions to consider
A worksheet helps organise information, but it cannot determine a fair financial settlement, pension-sharing arrangement or legal rights. Where required, obtain independent legal and appropriately regulated financial advice.
Official information
Read the relevant public guidance →
This article is for general financial education. It is intended as general education and does not offer personalised legal, tax or regulated financial advice, or recommend a particular financial product.