清官难断家务事，最近上海很多夫妻都在讨论一件事。是不是离婚买个房？也免不了会出现一些以离婚买房为名义，彻彻底底跟对方做个了断的社会新闻，这样的离婚让人倍感心力交瘁、意志消沉。此外还有因各种原因决定分道扬镳的夫妻，但在签字确认离婚之前，还有财产分割等诸多现实问题需要处理。


在你与你的伴侣决定分手前，关于财务问题，宏景小编找来了专门负责离婚案件的律师Maria P. Imbalzano给出了如下几点建议：


知晓资产状况

许多夫妻都会把双方的责任和义务明确区分开来，如其中一人掌握财产大权，另一方则不会过多关注其名下的账户状况。未雨绸缪，可以把所有银行账户、投资账户和社保账户做个备份留底，无论是联名户口抑或是个人户口。如果财产是在夫妻续存期间积累的，在离婚后将会公平地分配给双方。最重要的是，清楚掌握自己的全部资产所在，包括账户号码及账户余额。


其次还有房产和汽车等有形资产需要确认，某些时候这些文件资料都是用得着的。如果无法获取这些信息，在离婚诉讼时，尝试通过代理律师来请求资料文件吧。


知晓债务状况

为了公平地判断双方各自的资产（如房屋等），你需要知道抵押贷款和房屋净值贷款与/或信用贷款的剩余数。此外，向银行申请一份信用卡账单，用以了解当前的账户收支情况与具体数字，并留意这些账户是联名户口还是个人户口。如果有哪张信用卡属于联名户口，但你却没有该信用卡账单，你可以向银行或机构签约，从而方便地在线获得。


确定收入

三年以内的缴税记录将有助于确定双方的收入，并且能够确定资产所带来的利息或者股息。


明白每月支出

如果你不是账单支付者，那么就要在信用卡账单之外，看看支票登记簿以及/或注销的支票。对自己每个月的支出有个大概的预算是十分重要的，以了解自己每月支出是否过度和需要削减。如果有额外的收入，应该将这笔收入储蓄起来。


以上这几点建议将有助于了解并管理婚内财产，万一哪天一言不合，像某明星和他妻子一样闹上法院要离婚，财产分割却让人欲哭无泪了呢？


以下为原文：


How to Prepare for Divorce Financially
Tuesday, September 6, 2016

As I always tell my clients, knowledge is power. Although getting a divorce can be devastating, frightening, and unsettling, there are ways you can take control to put yourself in a better position. Here are a few things you should keep in mind as you begin to plan for your divorce:


Know Your Assets
Many times couples divide their duties and responsibilities, and one party is left in charge of the finances, while the other doesn’t pay much attention to the status of the accounts. If you are anticipating a divorce, make copies of statements for all bank accounts, investment accounts, and retirement accounts. It doesn’t matter whether the accounts are in joint names or individual names. If they were accumulated during the marriage, they will be subject to equitable distribution, and it is important that you know where all assets are, as well as account numbers and balances.

Of less importance are deeds to real estate and car titles, although these documents will be necessary at some point. If you can’t obtain this information, your attorney will be able to obtain it through document requests or subpoenas once a Complaint for Divorce is filed.


Know Your Debts
In order to determine the equity you have in an asset such as a house, you will need to know the balance of the mortgage and home equity loan and/or lines of credit. In addition, obtain copies of credit card statements so you know current balances and account numbers, and whether those accounts are in joint names or individual names. If any credit card accounts are in joint names, but you don’t have the statements, you can easily get them online by signing up with the bank or institution and obtaining a pin number.


Know Your Incomes
A copy of the last three years of income tax returns is helpful to not only determine each party’s earned income, but the interest or dividends generated by assets as well.


Know Your Monthly Expenses.
If you are not the bill payer, take a look at the checkbook register and/or cancelled checks in addition to the credit card statements. Getting a handle on your monthly budget is not only eye-opening but important in terms of recognizing whether you over-spend and need to cut back, or if there is extra money each month that should be going into savings.


The above preparation will help you feel more in control of your finances and will give you the information you need in order to begin the divorce process.