Personal Finance

How to Live On Your Own After a Breakup | 10 Tips You Need To Learn


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It’s difficult to avoid watching romantic movies, fantasizing about reuniting with your ex and hunkering down in your apartment after a breakup. Allow yourself a week just for yourself, then get back to living your life. Make a positive environment for yourself! So, if you are going through a breaking-up process, let us help you with some advice about how to live on your own after a breakup.

Decorate your new space to suit your style to create happy vibes in your new home. Remember that you were alone before you were a couple. Hang pictures of you having a good time before you met your ex. You may also use future aspirations to embellish.

How to Live On Your Own Financially After a Breakup

How to Live On Your Own After a Breakup

Here are 10 tips to live on your own after a breakup.

  • Allow yourself some time to think things well.
  • Take time to make some choices
  • Shared Financial Accounts Should Be Divided
  • Analyze Your Financial Situation
  • Prioritize your objectives.
  • There’s always time to start over!
  • Searching for New Insurance
  • Create a Budget dedicated to yourself
  • Think about planning your new financial life!
  • Be aware of your credit card records!

Allow yourself some time to think things well.

One of the healthiest things you can do for your emotional health following a breakup is to agree to a quiet, no-contact time with your former spouse. Although declaring you’ll be friends may seem like an excellent way to lessen the pain, doing so early on might be more complicated than it’s worth. Remember, we can make terrible financial decisions if we are hurt.

Take time to make some choices

Make some decisions about how you’ll distribute common goods and assets before you cut off communication with your ex. The complexity of this decision-making process is determined mainly by how intertwined your personal and financial life was.

The first step is to agree that you get to keep everything you brought into the partnership. It would be yours if you owned the couch before you met your ex.

Make a list of any objects you and your partner owned jointly, like furniture and household goods. You may also add your pets to the list if you have them.

Start with the objects that have little emotional or sentimental worth after you’ve arrived at shared objects.

Shared Financial Accounts Should Be Divided

Before you go to the bank to shut a joint checking or savings account, find out who gets what. If you both had an exceptional contribution, the simplest solution is to divide the balance in half. If you made unequal contributions, your best bet is to look at how much each of you placed into the account and try to distribute what’s left in the fairest manner possible.

Along with basic stuff, you and your ex-partner can have some subscriptions in common, such as a Hulu or Netflix membership. 

Analyze Your Financial Situation

Whether you and your ex have similar earnings or one of you makes significantly more than the other, one thing is sure: following a split, your financial situation will alter. You’ll move from two to one income if you both work. If you didn’t work during your partnership, you might need to work harder to find a source of money.

And, depending on how you and your ex-partner worked things out throughout your partnership, you may find yourself unable to handle your finances. It’s possible that your partner was in charge of budgeting or setting personal financial objectives.

Prioritize your objectives.

You may find yourself standing in the ruins of your relationship, confused about what to do next, depending on how bad your breakup was. You might have to start all over, or you might need to change a few things before you can start living your most extraordinary life.

Take some time to define your priorities to help you figure out where to begin and what to focus on first. Consider what could be your goals in the coming week or month to get things done, and then consider what can wait a few months or even longer.

There’s always time to start over!

You’ve ended your relationship, muted or unfollowed your ex, and moved into a new place. So, what’s next? There’s just one way to go after a split: up. Begin the process of rebuilding, but on your terms. If you’re not ready to date again, don’t feel obligated to do so.

Rebuilding also entails considering what caused the separation and what you can do to prevent such problems in the future. You might want to locate a therapist to talk to about any issues you have and to prepare this new version of yourself.

Searching for New Insurance

If your partner’s health insurance previously covered you, you must obtain replacement coverage as soon as possible. If you lose coverage due to a breakup with your spouse, you are eligible for a particular enrollment period. You may qualify for a subsidized plan via the marketplace, which can help make insurance more inexpensive depending on your income.

When choosing a plan, keep in consideration how much health care you use or require. You may probably get a plan with less coverage or a higher deductible and a cheaper monthly cost if you solely see your doctor for preventative care.

Create a Budget dedicated to yourself

After that, start working on a budget for yourself. This can be done with the help of a service like Tiller or by hand. Make a list of your post-divorce expenses, such as rent or mortgage payments, monthly debts, and any other regular payments you’ll have to make, such as your water or electricity bill. Include variable costs like food and entertainment, as well as your savings targets.

Compare your monthly expenses with your incomes and make any necessary cuts. For example, you might need to look for a cheaper place to live or consider getting a roommate. You can talk to friends who have gone through similar situations to see what they did and how they handled money management.

Think about planning your new financial life!

Perhaps you’ve always wanted to buy a home, but your ex-partner was opposed to the idea. Maybe you spent the last few years of your relationship focusing on paying off your partner’s debts, and now that you’ve broken up, you can focus on paying off your student debt or spending your money on something you enjoy.

Be aware of your credit card records!

What you do with shared credit cards after a breakup is determined by how you shared the card. Authorized users can use credit cards, but they are not responsible for any debt incurred due to their use. 

If you have a joint credit card, you are both liable for any charges made on the card. These days, joint credit card accounts are uncommon. The majority of credit card companies use the authorized user method. If you’re confident you and your ex have a joint account, the best thing to do is close it after you’ve paid off the entire balance.

How to Live On Your Own After a Breakup

How to Live On Your Own After a Breakup

Create a positive environment for yourself.

The finest thing you could do for yourself is to have a good outlook. Staying active is the greatest way to go. Don’t sit around waiting for your ex to call; odds are they won’t (even if they do, you’ll go back eventually wherever you began).

Rather, go buying, take a yoga session, start a pool league, exercise, or take a cooking class with a friend. You could also devote your evenings in a community café or do something productive, such as writing or reading. Consider taking care of your physical wellbeing and consider reading some consciousness or personal improvement books.

Learn About Yourself

Take advantage of the fact that you are single. You’ll have more time now to arrange plans with your buddies. Come on, let your hair down, and go out in the city. However, in the long term, these pursuits will just serve as a diversion from your underlying emotions of loneliness.

You won’t be entirely happy in your life except you tackle the concerns that are weighing on your heart—right now, those unhappy feelings are most likely tied to your divorce and the circumstances that preceded it. By the way, don’t approach common friends!

Gain confidence

In your ability to ask for what you require and to contribute what you have.

You put too much effort into meeting your fundamental social demands when you live with a spouse or roommate. By default, there’s another person nearby. You must, however, work for it if you live alone. 

You must reach out to another human if you want to share your ups and downs with them. It’s a two-edged sword, to be sure. Learning to handle the daily rollercoaster of emotions on one’s own might be difficult for many people.

Immerse yourself in your creation.

Writing is my true passion, and it is the relationship in which I invest the most time and effort. I felt under continual pressure to work less and play more while I lived with my boyfriend. 

Take a bit of time to consider why your connection has deteriorated, as difficult as it may be. Maybe you and your ex just weren’t truly compatible, to begin with. Perhaps you had unrealistic expectations when you started your marriage or relationship. Perhaps you feel compelled to “rescue” those you care about.

One of the benefits of staying alone is that you’ll have to face your own nightmares. Learn how to spot and describe these faults. Take a walk every now and again.

A new day has come, my friend! Get over it!

After a breakup, being lonely may help you feel better about yourself, and bitter thoughts about your previous relationship might fade with time.

While on the path to recovery, newly single people might embrace their alone time and use it as medication or healing time. Let’s face it, why the hell would you want to get into a new relationship and start thinking about new partners right after a breakup?

You are getting into a new relationship, so soon after; a split can be pretty tricky! There will be another time of adjustment to go through, during which you may uncover new relationship issues that need to be addressed – irritating habits that get under your skin and new routines.

Phases of separation

Our minds, like those who have lost a loved one, require time to adjust to the fact that things are changing. It’s time to accept and face the fact that the other individual is no more in our lives and to feel and think any one of the feelings that each phase will introduce: worry, fear, wrath, fury, grief, and despair.

When the breakup occurs, the usual and customary thing is to go through the different stages of grief (denial, anger, bargaining, depression, and acceptance) but watch out because if you get stuck in any of them or mourning does not occur.

Get out correctly, or things get complicated. This can result in a significant blockage, and we can live pathological grief in which it would be necessary to seek the help of a professional.

Undoubtedly, knowing these phases one by one will help you understand the process you are going through.

Some phases


“This can’t happen to me,” “It’s like a nightmare,” “Tell me it’s not true, it’s not possible.” This is the first stage and the beginning of everything. At this stage, you will refuse to accept that the relationship is over. You will find it hard to believe that the breakup happened. He or she will be sad and probably cry.


How can you do this to me? I hate it with all my might! A tough time right? “Once the situation has adjusted, we move from pain to hate. Anger arises from the idea that you have been mistreated and betrayed. During this phase, there is usually deep sadness, and there may be aggression and fear.


A third phase is in which we try to find solutions and force agreements to change the situation. The usual practice is to act much more impulsively, send messages, and make calls, causing surprising meetings that usually do not reach the desired goal.


At this stage, you will finally begin to understand everything that happened. You will appreciate that the relationship is really over and that you will not get back together. At this point, you may feel unfortunate, apathetic, and hopeless. Here it is entirely normal to stop eating, sleep poorly and no longer feel like going out.


Final stage; in this stage, you accept that you have broken up with your live-in partner, regained your strength, and do not have many negative thoughts and negative emotions. Memories of your partner (photos, gifts) no longer cause as much suffering as before, and you begin to talk generally about your ex and your previous relationship.

If you do not have a good self-esteem base, you can fall into self-destructive behaviors or long-term toxic relationships. You are getting too involved with another person when it may not be the most appropriate thing to do at the time. Don’t compromise your health.

Habits to Overcome a Breakup

Habits to Overcome a Breakup

After having seen the different stages of grief, here are the essential steps and tips for coping, accepting, and dealing with an emotional breakdown from a psychological point of view:

Work on your self-esteem

Again, self-esteem flourishes, and it is essential to work on it to feel loved, valued, and appreciated as you should be. Find out how to improve your self-esteem. Learn to enjoy your own company, be good to yourself and love yourself because if you love yourself, you will also love yourself.

Accept yourself as you are, with the good and the bad that you have. That is your true identity and what makes you unique.

Accept the situation, accept the change.

The first and most important thing is to accept the new situation. Refusing to believe and accept what has happened is useless. It will only lengthen the process, and it will be even more complicated if you have an extreme emotional dependence on this person.

Of course, it is not about denying or avoiding the pain. No, it is about accepting it and embracing it but not stopping there.

Don’t be shy if you want to cry, cry.

It is crucial that if you feel like crying, do it. Don’t be embarrassed. Repressing emotions is never good. Just let them flow. If you are sad, you should feel it and vent even if you are in public. Crying and feeling are human. Talk about this with your long-term, live-in partner if you have one.

Goodbye victimization

One of the fundamental and inadvisable mistakes that arise at the time of separation is to adopt the role of the victim. And although you’ve probably heard it many times before, we remind you once again that feeling sorry for yourself is digging your own grave. Refuse to be a victim.

Try to understand that you are not the only person who has gone through what you are going through. Nor are you very different from the rest of the people who have gone through separation as a couple. If they could, so can you.

Frequently Asked Questions

How long should you be alone after a breakup?

If they were in a meaningful relationship, most individuals require a month or two to process the breakup, mourn, and assimilate lessons before getting back in.

Is it reasonable to be alone after a breakup?

After a breakup, being alone may help you feel better about yourself, and bitter thoughts about your previous relationship might fade with time. While on the path to recovery, newly single people might embrace their alone time and use it as medication or healing time.

How do I rebuild my life after a breakup?

  • Recognize that there will be a period of rebuilding. Recognize that you require time to refocus and recuperate.
  • Make a haven for exploration.
  • Decide to rely on yourself.
  • Obtain the assistance you require to recover and move forward.
  • Determine who you can rely on for help.
  • Make it a habit to practice every day.
  • Have faith in yourself and the process.

How do I know if my breakup is final?

  • It’s nice to get it over.
  • It was a lengthy journey.
  • You can’t picture them having a future with you.
  • One of you is already in a brand-new relationship.
  • When you’re separated, you feel better.
  • You’re less likely to get back together if your ideals differ.
  • Various life objectives.
  • The romance was short-lived.

How long after a breakup should I contact my ex?

If you’re going through a breakup, you should always try to start with the 30-day no-contact rule. This is the average duration of time that most people suggest. You often have no clue how successful no-contact management will be on your ex when you start one.

Bottom Line

If a reasonable amount of time has passed since the end of the relationship and even with everything, you still feel punished. 

Yet, you have not turned the page, you feel too sad, you do not want to leave, and you do not find any meaning in everything. It is necessary to be accompanied by a professional psychologist to overcome depression and improve your emotional well-being.

The therapist will help you redirect frustration, anger, or mismanaged anger and relieve your emotional distress. And it’s normal for there to be times when we can’t get over things that happen to us on our own.

When something happens, whether it is expected or not, we have to try to see the positive side. It will help us improve as people and not repeat the same mistakes.

Why not take a break and give yourself some time to rediscover what is important to you? Take the time to take care of just yourself and mend your broken heart by filling it with the things you love (like reading some books) instead of the things someone else loves.

Wait a few years later when you are completely over this relationship and the person who broke your heart. You will feel very proud that you have allowed yourself to be alone, with no one taking up your space.

Don’t sit for a single moment in time as you deal with your breakup. You must have confidence in your ability to recover and have the strength to move on to better things.

Remember, you don’t need anyone else to mend your broken heart. You have the option to repair it yourself. You need to give yourself some time and space to breathe and let it happen. Your perseverance will pay off; give yourself credit, mate!

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