Divorcesmart Process2018-09-20T19:15:17+00:00

Divorcesmart Process

There are a few legal and financial matters that you would have to become familiar with before you divorce. Once you have decided on divorce no matter what the reason, it would be smart to get through the process as soon as possible. This will give you the opportunity to re-settle and find some stability sooner rather than later and it also leaves anger out of the equation.

“Divorce is a financial transaction with one key differentiating emotion – MONEY!”

Don’t let your emotions or your desire to finalize your divorce stop you from thoroughly analysing both the short- and long-term financial and tax implications of any proposed divorce settlement.

The only way to know that is to work with an experienced divorce financial planner who can analyse your various divorce settlement options to make sure that your financial future will be secure.  Make sure you get sound financial advice!


Understand your marriage regime; make sure you have a copy of your contract. Read it and understand what your rights are.

In Community of Property

  • If you did not sign an ANC (ante nuptial contract), you are automatically married in community of property. Under this contract, each partner immediately owns half of the joint estate. However, they are also each responsible for one half of their joint debt.

Out of Community of Property

  • Marriage out of community of property involves a couple signing an (ANC) ante nuptial contract before getting married. It ensures you remain sole owner of your property i.e. what you brought in, you take out. It’s a good system for partners who both have an income and property, and for subsequent marriages with children from previous unions involved.

The Accrual System

  • Under this arrangement, what you brought into the marriage is stipulated and it remains yours. If you get divorced, the increased value of both partners’ assets is added and divided by two with each partner due half the value.


Rule 43

  • Once your spouse has left the communal property, he/she still has a financial obligation towards you and your children. If you find yourself under financial strain you can apply for interim financial relief, this is called a Rule 43. The cost will possibly be between R8000 to R10 000, depending on your lawyer and advocate. Get a quotation from a lawyer.
  • This is a High Court rule that provides for interim financial relief in divorce matters and it will also give rules with regards to custody and access of children.  Rule 43 is enforceable until the divorce has gone through.
  • When you get to a point where you need this application you would have to consult with your lawyer.(c)


Child Maintenance

Do the maths, the decisions you make now will have a significant impact on the rest of your life. Try to set your emotions aside – if you don’t know where to start ask for financial advice! In a divorce where minor children are involved the one area of the divorce settlement is a child maintenance agreement. You need to know how much you spend on your children per month.

  • Draw up a child expenses budget to calculate your monthly expenditure.
  • Remember that your kids grow from toddlers to teenagers. This means that the plastic cricket bat becomes a R1500 GM cricket bat. Specify who pays for what.
  • If your divorce order states that your ex-spouse is liable for R3000 pm per child, medical expenses and 50% school fees, this becomes a court order. If your ex-spouse refuses to pay his 50% of school fees for whatever reason, it is a criminal offence.
  • A formula is used to calculate child maintenance.
  • Secure the monthly maintenance with a cession of an insurance policy on your ex-spouses life in case he/she is disabled or dies.
  • Maintenance should increase annually with CPI or at an agreed percentage.

Child maintenance budget

Disclaimer: All the information supplied by this website are intended as guidelines only, it is advisable to contact Divorcesmart® directly for appropriate advice for your unique circumstances