John (42) and Emma (40) have been married for 14 years and they have two children together; Ruby who is 10 years old and Lucas who is 7 years old. They live in a 3 bedroom house in Kent. John works full time as an IT Consultant and Emma works part-time as a senior sales assistant, which fits around the children’s school hours.
Over the last few years, John and Emma have grown apart. John recently moved out of the family home and has told Emma that he now wants a divorce. Emma has reluctantly agreed to divorce, but she is very concerned about how she and the children will manage financially. What does Emma need to consider?