Really feel for you NMH, I am going through it at the moment. I found out in May that DH had been cheating, and it's only recently that things are starting to move.
As soon as I found out, I knew that I didn't want to kick him out. I wanted to find out why, and to make a plan to work through it together and mend it. How naive I was! He said he wanted to try and make it work but didn't actually do anything. He is now looking for a flat in which to carry out his mid-life crisis and forget he ever had a wife and family, the arse.
I have been grieving all summer, for the man he was and the love we had, and very slowly accepting the end of our marriage. This process takes ages, but now I am nearly ready. It took me until two weeks ago to see a solicitor, and only then did I properly come to terms with the reality of it all.
I know everyone's case is different, but my solicitor said these are my entitlements:
- £25% of his net monthly income for our 3 DCs (it's 20% for 2, and 15% for 1). These are set by the CSA, but you can set your own if you can agree amicably without involving them.
- Some proportion (agreed between us) of the rest of his monthly income as an allowance for me (a SAHM). This increases as his salary increases.
- Half his pension
- Half of his share of the company he part-owns
- Once separated, I would be able to get a small part-time job (shop, office, whatever), and be entitled to Working Families Tax Credit. This would not be affected by any payments he makes to me at all.
You don't have to go to court if you can settle it using your solicitors.
She suggested we go to mediation, which will enable us to put together a financial agreement. This would be sanctioned by our solicitors before going into a legal separation agreement. She said a common thing to do is for the husband to put the house into the wife's name and pay enough allowance to cover the mortgage. When the youngest child is 18, the husband then is entitled to a lump sum payment of a proportion of the value of the house.
The cost of the appointment was £200, incl VAT. Mediation is also around £200 an hour.
I am keeping it all very amicable, even though I sometimes hate him. She said this is the best thing to do. "Ride the guilt!" she said, get as much out of him as you can. Sounds awful but really when it comes down to it, I am left with three children to bring up on my own, plus the dog to walk and a job to get. As well as finding people who actually want to go out clubbing with me and have some fun - all my friends are happily married!
So the best advice I can give is - don't rush into anything, don't panic, take time to cry, grieve, rant, fall apart, get strong, eat, exercise, and let time do the work. You will one day be strong and able to come to a decision. But the main thing is - act with dignity wherever possible! I know my H respects me a whole lot more since I've been doing that, which gives me a bit of control for once.
Wishing you all the best. Ideally, it will all work out between you and you will have a better marriage than ever, but if not it helps to be armed with the facts! xx