What has been taken is not just financial, it is a feeling of taking life as it was known, friends, holidays, family set up, lifestyle - the list is endless. There are no winners, because each person feels diminished in some way.

If you are separated or divorced, then 2013 will hold all sorts of anxieties and fears about what it may bring. It can feel like a long road of conflict and hostility and it can feel like an overwhelming amount of loss or emptiness. Although it may not seem like this right now, it is a fact that divorce is an end, but it is also very much a new beginning.

Coping with divorce is not only about the immediate emotional impact of loss, it can also be coping with knowing that the ex is with someone else or there is a family or friends gathering somewhere that you used to be a part of.