{"id":230,"date":"2023-05-01T11:33:57","date_gmt":"2023-05-01T01:33:57","guid":{"rendered":"https:\/\/studiokettle.com.au\/wip\/living-costs\/?page_id=230"},"modified":"2023-06-05T16:33:22","modified_gmt":"2023-06-05T06:33:22","slug":"end-of-a-relationship","status":"publish","type":"page","link":"https:\/\/studiokettle.com.au\/wip\/living-costs\/end-of-a-relationship\/","title":{"rendered":"The end of a relationship"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Support is available if a relationship ends for whatever reason and you need help to move on financially.&nbsp;<\/p>\n\n\n\n<div class=\"LC_jump\">\n    <p class=\"LC_actions\">\n        <a class=\"LC_btn LC_fav\"><\/a><a class=\"LC_btn LC_read\"><\/a>\n    <\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The end of a relationship can be tough, and having to worry about finances can make it even worse. In fact, some people can feel pressure to stay in a bad relationship if they think that they will struggle financially on their own. Some support may be available to help you with the financial impacts of ending a relationship.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve compiled information below on what to consider, managing your finances, and the support services available to you that could help make the process easier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Things to think about&nbsp;<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It can feel overwhelming when you\u2019re trying to re-establish life on your own terms. The following things to think about are useful starting points.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>living situation<\/strong> \u2013 if you own or rent a house, who stays and where the other person will live<\/li>\n\n\n\n<li><strong>assets <\/strong>\u2013&nbsp;dividing up any property and assets that you jointly own&nbsp;<\/li>\n\n\n\n<li><strong>bills <\/strong>\u2013&nbsp;how bills, rent, rates, or debts that you currently share will be paid&nbsp;<\/li>\n\n\n\n<li><strong>bank accounts<\/strong> \u2013 what to do with any money you have in joint bank accounts&nbsp;<\/li>\n\n\n\n<li><strong>centrelink<\/strong> \u2013&nbsp;if you receive payments, be sure to tell them you\u2019re no longer a couple&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>kids <\/strong>\u2013 if you have children, where they\u2019ll stay and how they\u2019ll be financially supported&nbsp;<\/li>\n\n\n\n<li><strong>last wishes<\/strong> \u2013&nbsp;if you want to update your will&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You may find Moneysmart\u2019s <a href=\"https:\/\/moneysmart.gov.au\/getting-divorced-or-separating\/divorce-and-separation-financial-checklist\">divorce and separation financial checklist<\/a> useful too.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Centrelink payments&nbsp;<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Australian Government provides income<strong> <\/strong>support payments through Centrelink. You can use this <a href=\"https:\/\/www.centrelink.gov.au\/custsite_pfe\/pymtfinderest\/paymentFinderEstimatorPage.jsf?wec-appid=pymtfinderest&amp;wec-locale=en_US#stay\">tool<\/a> to learn about your eligibility for payments, including assistance for people ending relationships.<strong> <\/strong>or go to<a href=\"https:\/\/www.servicesaustralia.gov.au\/centrelink?context=1\"> Services Australia<\/a> to learn more about the services and support they offer.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dealing with Centrelink<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many people find dealing with Centrelink difficult. Applying for payments can be confusing. Most payments are set too low and have overly strict requirements.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#x1f4cc; See our <a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/centrelink\/\">dealing with Centrelink<\/a> page<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Dividing assets<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s usually considered fair that assets are shared between partners after a separation. That said, dividing things can be a source of conflict, even when the people involved are on good terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Would you like to know what rights you might have? It\u2019s a complicated area. Even if you earn little or no money, or the assets aren\u2019t in your name, you may still have rights to them in a separation.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Learn more about dividing assets at <a href=\"https:\/\/www.familyrelationships.gov.au\/separation\/money-property\">Family Relationships Online<\/a>.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>If your partner is in debt<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You are not usually responsible for another person\u2019s debt, but if you have any joint contracts of businesses that have debt, you are usually jointly responsible.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019d like to find out more, have a read of the Financial Rights Legal Centre<a href=\"https:\/\/financialrights.org.au\/factsheet\/family-breakdown-debt\/\"> factsheet on separations and debt<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#x1f4cc; See our<a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/loans-and-debts\/\"> loans and debt<\/a> page<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Child support&nbsp;<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Child support payments mean that someone who is not living with their child still financially supports them. These payments can be an agreement between parents or set up and managed through Services Australia.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Visit <a href=\"https:\/\/www.servicesaustralia.gov.au\/learning-about-child-support?context=60015\">Services Australia<\/a> to learn more about child support payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Dispute resolution&nbsp;<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As breakups are often a time of conflict, you might want to seek support to resolve disputes, especially over finances. The Australian Government\u2019s <a href=\"https:\/\/fdrr.ag.gov.au\/\">Family Dispute Resolution Register<\/a> can help you find an accredited family dispute resolution practitioner that provides services in your area.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How much does it cost?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Services on this register are with either a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>government-funded service with no or low costs to clients<\/li>\n\n\n\n<li>private practitioner that sets fees for services based on their own business needs.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Helplines<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Remember to take care of yourself first and foremost. If things become overwhelming, you might want to talk to someone.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Organisation<\/strong><\/td><td><strong>How to get help<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.familyrelationships.gov.au\/find-local-help\"><strong>Family Relationship Advice Line<\/strong><\/a><br>Find local support<\/td><td>1800 050 321&nbsp;<\/td><\/tr><tr><td><a href=\"https:\/\/www.1800respect.org.au\/\"><strong>1800RESPECT<\/strong><br><\/a>The national domestic, family and sexual violence counselling, information and support service<\/td><td>1800 737 732<br><a href=\"https:\/\/www.1800respect.org.au\/\">Online chat<\/a> (navigate to the bottom of the page)<\/td><\/tr><tr><td><a href=\"https:\/\/www.lifeline.org.au\"><strong>Lifeline<\/strong><\/a><br>Crisis support services<\/td><td>13 11 14<br><a href=\"https:\/\/www.lifeline.org.au\/crisis-chat\/\">Online chat<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.beyondblue.org.au\"><strong>Beyond Blue<\/strong><br><\/a>Mental health support services<\/td><td>1300 224 636<br><a href=\"https:\/\/www.beyondblue.org.au\/support-service\/chat\">Online chat<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">More resources on handling a breakup<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Visit the <a href=\"https:\/\/www.familyrelationships.gov.au\/separation\/looking-after-yourself\">Family Relationships website<\/a> for practical tips on what to do and helpful pointers on the things to avoid. And first and foremost, be sure to look after yourself.&nbsp;<\/p>\n\n\n\n<p class=\"LC_asterisks\">\n<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>This information was last updated on 5 June 2023<\/em>.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>The links and resources in this article have been compiled and reviewed by the Brotherhood of St. Laurence. We aren\u2019t responsible for what you\u2019ll find at the links, though we do hope you find the information useful. See our <a href=\"http:\/\/link_disclosures\">disclaimer<\/a> if you\u2019d like to know more.\u00a0\u00a0<\/em><\/p>\n\n\n\n<p class=\"LC_asterisks\">\n<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Want to save this article as a PDF? <\/strong><a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/how-to-save-a-pdf-of-a-web-page\/\" target=\"_blank\" rel=\"noreferrer noopener\">See how to here<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#x1f4cc; See more:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/free-legal-services\/\"><strong>Free legal services<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/financial-abuse\/\"><strong>Financial abuse<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/child-in-childcare-or-education\/\"><strong>Childcare and education costs<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Support is available if a relationship ends for whatever reason and you need help to move on financially. <\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-230","page","type-page","status-publish","hentry","category-article"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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