How to Start Over after Divorce with No Money: 12 Ways

Divorce is a costly legal process. Starting over after this process can be daunting if your financial condition worsens. How will you support yourself and your children? How will you find a new place to live? Overall, how to start over after divorce with no money?

These are valid concerns, but don’t let them stop you from starting over. Look no further if you’re looking for ways to start over after a divorce! This article discusses 12 of the best ways to get started, even if you have little or no money.

how to start over after divorce with no money

How to Start Over after Divorce with No Money: 12 Ways

#1. Get a job even if it is not good:

During this difficult time, getting any kind of job is better than having no income. It may not be your dream job, but it can help you support yourself and start saving for the future. Be open to all options, including temporary or part-time positions.

Your experience in any job will provide you with skills and connections that can be useful for your long-term career goals. Remember, as you go through different jobs, you can make the most out of each opportunity.

#2. Find a cheap or charity place to live: 

After a divorce, you may have to downsize your living situation. This can be difficult, but remember that it is only temporary. Look for affordable housing options or charities that offer temporary housing.

To find different kinds of charitable organizations, do a quick internet search for “charities near me” and see what comes up. You can check with Catholic Charities, Salvation Army, and Habitat for Humanity in the USA for potential housing options. Never be afraid to ask for help during this time.

#3. Abandon the luxurious habits:

It can be tempting to continue living the same luxurious lifestyle as before your divorce, but this is not sustainable if you have little or no money. Cut down on unnecessary expenses, like expensive meals and clothes, and focus on only buying what you truly need.

Instead of a private car, opt for public transportation or bike riding to save on gas money. Or if you can carpool with friends or coworkers. Now is the time to reevaluate your spending habits and make a budget for yourself. This can help you stay on track with your finances and save money in the long run.

#4. Get child support from ex: 

If you have children with your ex-spouse, ensure they correctly pay for child support. This can provide a steady source of income for you and ensure that your children receive the financial support they deserve.

Consult a lawyer or financial advisor about how to go about getting child support from your ex-spouse. It may be an uncomfortable conversation, but it is necessary for your and your children’s well-being. You even get free help from your local legal aid office.

#5. Claim spousal support:

As your financial condition is weaker, don’t hesitate to ask for spousal support from your ex-spouse. This can provide temporary financial assistance as you start over after the divorce. Again, consulting a lawyer or financial advisor can help you navigate this process.

Keep in mind that spousal support or alimony differs from child support and may not always be granted by the court. But it is worth trying to claim, as it can provide some financial relief during this difficult time.

#6. Get food assistance:

One of the basic needs to survive is food; luckily, some organizations can assist with groceries. Look into local food pantries or apply for food stamps through your state’s social services department.

Some of the food assistance-providing organisations in the USA are- Feeding America, Meals on Wheels, and AmeriCorps.

You can also search for free community meals in your area, as many churches and charities offer these options. Don’t be ashamed to ask for help with food during this time, as it is a necessary resource for you to have.

#7. Reach out to debt charities:

Though you can divorce without going to court but, naturally divorce can often lead to amassing a lot of debt, whether it be from legal fees or splitting assets with your ex-spouse. Consider contacting charities offering debt counselling and advice on managing and eliminating your debt. These organisations can also help negotiate lower interest rates with creditors.

In the USA, some options for debt charities are National Foundation for Credit Counseling and Debtors Anonymous.

#8. Sell things you don’t need:

Take a look at your belongings and see if there are any items that you no longer need or use. Then, try selling these things either through online marketplaces or local yard sales. This can bring in some extra cash and also help declutter your home.

Also, consider selling any valuable things you may have gotten in the divorce settlement, like jewellery or electronics.

#9. Ask for help from family and friends:

It can be challenging to ask for help, especially during a time of vulnerability, like after a divorce. But remember that your family and friends care about you and want to support you in any way they can.

Consider reaching out and asking if they would be willing to lend some financial assistance during this transitional period. This could be in the form of a loan or just letting you stay with them temporarily until you get back on your feet.

You can also ask for help in the form of job connections or career advice from your loved ones. They may know of job opportunities or have tips to help you in your job search.

#10. Find government assistance programs.

Government assistance programs in your area may provide financial aid for those going through a difficult time, such as after a divorce. Look into programs like temporary cash assistance, housing assistance, and healthcare coverage.

In the USA, you can apply for these types of programs through your state’s Department of Social Services or Department of Health and Human Services. Some examples of government assistance programs are Temporary Assistance for Needy Families (TANF) and Supplemental Nutrition Assistance Program (SNAP).

You can also look up “government assistance programs” for your specific state online. For example, if you type in “governmental assistance programs in Florida,” a bunch of different links will come up.

#11. Start your own business:

Starting your own business can be a daunting task, but it can also be an empowering and rewarding endeavour. Consider turning a hobby or skill into a small business, such as selling handmade crafts or offering freelance services.

You may need to invest some initial funds for supplies or equipment, but once your business starts gaining traction, you can bring in a steady income.

Starting your own business can also allow you to work on your own schedule and may even lead to long-term success and financial stability.

#12. Invest in yourself:

Taking care of your well-being is crucial during divorce—both physically and mentally. You may find it helpful to invest in therapy or counselling services to manage any challenging emotions or situations.

Additionally, look into personal development courses or workshops that can help improve your confidence and skills for the workplace. This can open up new job opportunities and potentially lead to higher income.

Investing in yourself can be a difficult yet rewarding decision as it can bring long-term growth and success in various aspects of your life. Remember to prioritise self-care during this time and seek out resources that can support you in starting over after divorce with no money.

Starting over after divorce with no money. I think you should watch this video to learn more about the life of a man or woman after a divorce:

FAQs on How to Start Over after Divorce with No Money

How do I survive financially after a divorce?

After a divorce, many people find themselves struggling to make ends meet. It can be difficult to suddenly have to support yourself, especially if you were previously a stay-at-home parent or if your ex was the primary breadwinner.

However, there are some steps you can take to ease the financial burden.

First, look closely at your budget and see where you can cut back. If you’re used to living on two incomes, you may need to adjust your lifestyle to match your new budget. Additionally, seeking financial assistance from friends or family members may be helpful.

Finally, don’t be afraid to ask for help from professionals such as financial advisors or therapists. Many people find that they need support in all areas of their life after a divorce, and there is no shame in admitting that you need help.

With some careful planning and a strong support network, you can thrive financially after a divorce.

How to start over after divorce at 50?

Fifty is a difficult age to start over. Not only are you dealing with the emotional fallout of divorce, but you’re also contending with the daunting prospect of starting anew in the middle of your life. However, it is possible to rebuild your life after divorce, and many resources are available to help you.

First, consider your finances. If you previously relied on your spouse’s income, you might need to find a new job or make some lifestyle changes to make ends meet. Next, take some time for yourself. This is likely a stressful time, and giving yourself space to grieve and heal is essential. 

Finally, reach out to your support system. Whether it’s family and friends or a professional therapist, leaning on those who care about you can make starting over after divorce isn’t easy. Still, it is possible with the right mindset and support system. With a little effort, you can create a new life that is happy and fulfilling. Who knows- this may even be the best thing ever to you.

How do you separate when you have no money?

When you have no money, separating can be very difficult. Without financial resources, finding a place to live, pay for childcare, and support yourself and your family can be tricky. If you are facing these challenges, you can do a few things to make the process easier.

First, try to find a friend or family member who can help you with housing or childcare. Second, look for community resources to assist with food, transportation, or other basic needs. Finally, stay positive and remember that there are people who care about you and want to help. With a little effort, you can get through this tough time.

Can I make it on my own after the divorce?

The answer is yes if you’re wondering whether you can make it on your own after a divorce. It might not be easy, but with hard work and help from friends and family, you can get through this tough time.

One of the biggest challenges you’ll face is learning how to budget and manage your finances. This is especially true if you’re used to living in a two-income household. Start by sitting down and creating a budget.

Figure out your monthly expenses and see where you can cut back. You may also need to find a new place to live if you can’t afford the mortgage or rent on your own.

Another big challenge is learning to cope with loneliness. Getting used to being alone can be tough if you’ve been married for a long time.

But there are plenty of ways to combat loneliness, such as joining social clubs or taking up new hobbies. With some effort, you can make it through this challenging time and come out stronger than ever before.

Is life after divorce lonely?

For many people, divorce also means starting over in their social life. While some couples remain friends after divorce, others find that their shared circle of friends disappears along with their marriage.

As a result, life after divorce can be pretty lonely. Even if you have a strong network of family and friends, it can be difficult to rebuild the same level of intimacy you had with your ex-spouse. However, there are many ways to overcome loneliness after divorce.

Joining a club or taking up a new hobby can help you meet new people and create lasting friendships. There are also support groups specifically for individuals going through a divorce. Time and effort make it possible to create a fulfilling and meaningful life after divorce.

Is there life after divorce at 40?

Divorce is often thought of as a young person’s problem. But the fact is that divorce rates among Americans over the age of 40 are on the rise.

For many people, getting divorced later in life can be a shock. After years of marriage, it can be challenging to find yourself single again suddenly. And while there may be some challenges to starting over, it’s important to remember that life after divorce can be very rewarding.

You may have more time to pursue your own interests and find that you’re better able to relate to your friends and family. So if you’re facing divorce at 40, don’t despair. There is life after divorce, and it can be good.

How to move on after divorce as a woman?

Moving on after divorce can be difficult for anyone, but it can be incredibly challenging for women. Women often define themselves in terms of their relationships and may invest much time and energy into their marriages. As a result, ending a marriage can be disruptive on many levels.

It can be difficult to suddenly have to re-enter the workforce or take on all the responsibilities of running a household. In addition, there may be feelings of grief, loss, and betrayal.

However, it is essential to remember that divorce does not have to define who you are as a person. You can choose to view it as an opportunity for growth and change.

There are many resources available to help women through the divorce process. Therapists, support groups, and online forums can all help divorced people deal with their feelings.

What do men go through after divorce?

After a divorce, men often feel lost and confused. They may no longer have a place in their former home and feel like they are no longer part of their family.

In addition, they may have to deal with financial problems and custody issues. Men may also find it difficult to date again after a divorce. They may feel like they are not ready to start another relationship, or they may worry that they will not be able to find someone who accepts them for who they are.

However, with time and support from family and friends, men can learn to cope with their divorce and move on with their lives.


Starting over after a divorce with no money can be challenging, but there are steps you can take to improve your financial situation. These include decluttering and selling belongings, asking for help from loved ones, finding government assistance programs, starting your own business, and investing in yourself.

Although it may not be easy, remember to prioritize self-care and seek out support during this time of transition. Good luck on your journey to financial stability.

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