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It is said that all is fair in love and war.  When it comes to matters of the heart I may tend to agree, but when it comes to our money the rules aren’t so clear.  We always hear horror stories about women who are left with nothing after a divorce, or even worse women who are left with nothing but debt after their marriage ends.

There are two ways to look at this if you find yourself in one of these two situations: you can wallow in  your sorrow and feel bad for yourself or you can take it as a learning opportunity and overcome your defeat.  This is the story of how one women overcame her financial struggles after a divorce and ended up on top of her game.

The best breakup revenge is success

In 2011 Carrie Smith found herself newly divorced and over $14,000 in debt from credit cards and car loans.  All of a sudden she was in unfamiliar territory and had to find a new path in life, a path that would make her happy.  So what did she do?  She started a blog.

Careful Cents started out as a personal finance blog and as a way for Smith to work through her financial issues.  She told the story of how she got into debt from overspending and how she planned to get out of it by cutting daily living expenses and making more income.

As Smith continued to write about personal issues her readership grew and freelance writing job offers started coming in.  She currently writes for major media outlets such as The Huffington Post and All Business Experts.  With her personal finance tips and her background as an accountant Smith quickly became known as an expert in the personal finance community.  So much that in 2013 Smith quit her full time job and became self employed.

She turned Careful Cents into a resource for anyone who is starting a business.  Entrepreneurs, solopreneurs and freelancers turn to Smith for advice on how to follow their dreams.  What a great accomplishment for someone who was admittedly broke just three years earlier.

The importance of a prenuptial agreement

One way that women can protect themselves both during and after their marriage is with a prenuptial agreement.  Sometimes prenups get a bad rep; but let me tell you they aren’t only for gold diggers and old men.

A  prenup protects both men and women from any financial loss during a divorce and ensure that all assets and debts accumulated during the civil union are divided equally when it ends.  Very often people don’t think about a prenup before they get married because they are experiencing wedding bliss.  However the one thing that all ladies need to remember is that your happily ever after is coming to an end during a divorce…things can get ugly when it comes to money.

According to Suze Orman everyone should have a prenup.  ” Drawing up a prenuptial agreement together is a sign of incredible trust and financial openness—you’re fooling yourself if you think you can achieve complete intimacy without it.”

Tahnya Kristina is a certified financial planner and personal finance blogger. With over a decade of experience in the financial services industry she enjoys helping people manage their money wisely, become debt free and find financial happiness.  You can follow her on Twitter @TahnyaKristina.