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That Amount Just Can't Be Right!

4/27/2012

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I owe what???? I am only getting what???? Child support in New Jersey, what a mystery it can be to the casual observer. I often have clients find some type of child support calculator on the Internet, plug in their salaries and get a number.  Boy, are they shocked when I explain all the factors for child support and tell them the number they have from the Web is way off base, either too high or too low.  Child support guidelines are based on the expenses an average family (which does not exist in reality because no one is average) incurs to raise their children in New Jersey. 

So what are the factors to consider? It includes the income of both parents, taxes, amount of time spent with the kids, add-ons (child care, health insurance) and deductions (alimony, other child support obligations).  If one parent is not working but is able to work, the court figures out how much Mom/Dad is capable of earning and uses that number in the calculations.  While the courts cannot force you to work, they still consider your potential income.  Moreover, only required tax deductions count in the total, so the figure the court uses may not match your take-home pay.  Both parents calculated income is put into the pot.  Then you consider the number of children in the family and this will equal your basic child support award (total cost of raising your children). 

So why does only one person pay for child support?  There is still more to consider. This basic child support award is split in proportion to the incomes.  Say, Dad makes 60%; Mom makes 40% of the total income.  Not done yet. Also, the amount of time spent with the kids is a factor.  You are not expected to pay for 60% of the cost of food for the kids if you are already paying for 100% of their food during the time that they are with you.  See, it is complicated.  The add-ons like child care, and cost of health insurance for the children or deductions like alimony or child support from other relationships, make a difference in the bottom-line number.  Finally, the amount can also be influenced by when support starts.  Adolescents are more expensive than younger children.  If your child is a teenager when support starts, the amount can increase by as much as 14.6%.

After all these factors are considered, you are left with a final support order.  This is the amount that one parent pays to the other parent to help equalize the monies that both parents contribute to the cost of raising their children in two homes.  Both parents pay- yet, the money from one parent is not seen, so it may look like one parent pays 100% and the other parents pays 0%.  Take my advice—use a professional when figuring child support.  There are too many variables to consider for a simple calculator you found online to get it right. 
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Happy Spring!

4/13/2012

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It’s spring and time for a fresh start! With the flowers beginning to bloom, baby birds hatching, and the first games of the baseball season, it seems like the perfect time to make the changes in your life that will make you feel new again. 

For people who have been wanting to get divorced, but were feeling stuck, this is the time to assess how you can best get to where you want to be.  Divorce mediation offers couples an alternative to litigation that saves money and time, while minimizing conflict.  Through mediation, couples can reach an agreement on parenting and financial issues, and move forward to a better place. Sort of like a spring cleaning of your life.

At Westfield Mediation, LLC, we suggest to our clients that they start making the changes in their life now that will enable them to live more comfortably later.  In other words, take the first steps toward getting your financial and emotional houses in order. For example, do a budget assessment now, and determine where your money is going.  Figure out what is not essential, and see if you can live happily within your means.  Reach out to friends and family to let them know that you are planning to get divorced and ask them for emotional support.  Prepare for your new life by looking forward, instead of focusing on any past missteps.

It’s time to celebrate spring  --  and let nature’s season of growth and change be yours as well.

For more information about divorce mediation contact Randi M. Albert, JD, or Michelle Weinberg, LMFT, at Westfield Mediation, LLC, at 908.913.0373.  View our website at www.westfieldnjmediation.com or email us at info@westfieldnjmediation.com. 

-Randi M. Albert

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    Authors

    Michelle Weinberg, M.Ed.,LMFT, is a Licensed Marriage and Family Therapist with many years of experience working with couples.

    Randi M. Albert, JD, is an attorney with experience in family law and public service.

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