relationships. This arrangement can be structured through a written agreement between the spouses. Clearly defining the division of home expenses and mortgage payments—either by percentage or mutual agreement—helps ensure financial responsibilities are met while allowing the family to focus on what matters most: the children. A well-drafted, signed agreement—preferably facilitated by a mediator—can prevent future disputes over home maintenance, expenses, and the eventual sale of the property, whether to the residing spouse or an outside buyer. This is why it’s essential to understand your financial position and what each spouse can realistically contribute. If one party fails to make their share of payments, it can negatively impact both spouses' credit scores and complicate the home's future sale. If both spouses can demonstrate they have the financial means to sustain this arrangement, it may be a viable option. Some couples even choose to remain in the home as roommates. This could be due to financial constraints or a desire to ease the children's transition. However, once one spouse moves out, they will face additional financial obligations when securing new housing, so careful consideration is necessary before committing to this option. That said, emotional attachment can cloud financial judgment. Some spouses are not just tied to the home for the children's sake but because it represents a sense of stability and a connection to a happier time. They may believe that keeping the home equates to "winning" the divorce, even if doing so leads to financial hardship. The reality is that unforeseen or unbudgeted expenses can strain an already tight budget. Being realistic about long- term affordability is critical.
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