23/09/2026
Financial Abuse in Marriage and Divorce: You Don’t Have to Stay Because You Can’t Afford to Leave.
When Money Becomes a Means of Control.
For many individuals contemplating divorce, the most frightening question is not necessarily:
“Do I want to leave?”
It is:
“How will I survive if I do?”
How will I afford a roof over my head?
How will I pay the children’s school fees?
What happens if my spouse stops paying my car?
How will I afford an attorney?
And perhaps most frighteningly: what if my spouse tells me that, because I have no money, he/she will take my children from me?
These fears can keep a person trapped in an unhappy and sometimes abusive marriage for years.
This does not have to be your reality.
South African law does not recognise abuse only when somebody is physically assaulted.
Abuse can happen through money, control, intimidation, humiliation, threats and dependency. And when financial control is deliberately used to make a spouse dependent, powerless or unable to leave, it may constitute economic abuse and domestic violence.
The Domestic Violence Amendment Act 14 of 2021, recognises a wide range of conduct as domestic violence, which includes physical and sexual abuse, but also emotional, verbal and / or psychological abuse, economic abuse, intimidation, harassment, related person abuse, coercive and controlling behaviour, damage to property, and exposing a child to domestic violence, amongst other forms of abusive conduct.
This is important because abuse in a marriage often does not exist in neat little boxes.
Financial control may operate together with emotional manipulation. Emotional abuse may be reinforced by threats concerning the children. A spouse may be isolated from family, denied access to money, monitored, intimidated or made to believe that he/she is incapable of surviving independently.
What does financial abuse look like?
The Act defines economic abuse broadly. It includes depriving a complainant of financial or economic resources to which he/she is legally entitled or which he/she requires out of necessity. The legislation specifically refers to household necessities, education expenses, bond repayments and rental relating to accommodation.
In the context of divorce, financial abuse may therefore manifest in ways such as:
•suddenly cancelling access to bank accounts or credit cards;
•withholding money for groceries and ordinary household expenses;
•refusing to pay expenses previously paid throughout the marriage;
•stopping payment of the bond, rent, vehicle instalments, school fees or medical expenses as a means of exerting pressure;
•hiding or diverting income and assets;
•taking control of a family business or finances to exclude the other spouse;
•threatening that he/she will receive “nothing” if he/she proceeds with the divorce;
•using financial superiority to prevent him/her from obtaining legal representation; or
•deliberately creating financial desperation in the hope that he/she will abandon the divorce or accept an unfair settlement.
Not every financial dispute between spouses constitutes domestic violence. But where money becomes an instrument of control, punishment, coercion or enforced dependency, the law provides mechanisms through which assistance can be sought.
One of the realities that individuals in controlling or abusive relationships should understand is that commencing divorce proceedings may fundamentally alter the dynamics in the home.
Where financial or coercive control already exists, the loss of control associated with separation can lead to other forms of abuse. In more serious cases, existing patterns of control may escalate into threats or physical violence.
This is why preparation prior to divorce is extremely important.
Prepare before the divorce starts.
If you are contemplating leaving a financially controlling or abusive marriage, obtaining legal advice before the summons is served can make an enormous difference.
The purpose is to ensure that, as far as reasonably possible, you understand your financial position and your legal options before the other spouse is alerted to the intended proceedings.
“But how will I afford the divorce?”
This is often precisely where a financially abusive spouse believes he has the advantage.
That does not necessarily mean that you have no remedy.
In High Court divorce proceedings, Rule 43 of the Uniform Rules of Court provides a mechanism through which a spouse can seek interim relief while the divorce is pending.
Depending on the circumstances, Rule 43 provides temporary relief for interim maintenance for both children and spouse, interim arrangements regarding care and contact of minor children, and a contribution towards your legal fees in the divorce action.
In this article I do not deal with Rule 43 in full — that deserves an article of its own, and you are welcome to visit my website for more information on Rule 43.
You should not assume that because you cannot presently finance years of divorce litigation, you have no way of approaching a court for interim assistance.
A protection order can exist alongside divorce proceedings
Where abuse is present, an individual does not necessarily have to choose between obtaining a protection order and instituting divorce proceedings.
Under the Domestic Violence Act, a complainant may apply to the Magistrate's Court for a protection order, including on an ex parte basis. Urgent applications may also be considered outside ordinary court hours where the statutory requirements are met.
Financial assistance under the Domestic Violence Act
The Act recognises “emergency monetary relief”.
This can include compensation for monetary losses suffered as a result of domestic violence, including:
loss of earnings; medical, optical and dental-related expenses; relocation and accommodation costs; household necessities; education expenses; transportation costs; and expenses relating to psychological therapy.
It may also include maintenance for certain persons in the complainant's care pending finalisation of maintenance proceedings and / or the divorce action itself.
Accordingly, financial abuse is not merely background information to a domestic violence case. The legislation itself recognises that domestic violence can create an immediate financial crisis and makes provision for monetary relief in qualifying circumstances.
“My spouse is threatening to take my children”
This is one of the most powerful threats used against a parent contemplating separation.
Questions relating to children's care and contact are determined according to the applicable law and, fundamentally, the best interests of the minor child. Financial superiority does not, by itself, determine which parent should exercise primary care.
Indeed, the Domestic Violence Act expressly recognises that children themselves can be affected by domestic violence. “Exposing a child to domestic violence” includes intentionally causing a child to see or hear domestic violence or experience its effects.
Threats involving children should therefore not simply be dismissed as “part of a bad divorce”. Depending on their nature and context, they may form part of a broader pattern of intimidation, emotional abuse, coercion or control.
Leaving may require a plan — but there are legal tools available.
Leaving an abusive or financially controlling marriage can be frightening, particularly where one spouse has controlled the family's finances for years.
The answer is not necessarily to walk out tomorrow without preparation.
Sometimes the safer and more effective approach is to plan carefully.
Obtain legal advice. Understand the matrimonial property regime. Establish what assets, liabilities and income exist. Preserve documents where it is lawful and safe to do so. Understand the children's financial needs. Consider whether interim maintenance and a contribution towards legal costs will be required. Identify whether a protection order may be necessary. And where there is a genuine safety risk, obtain appropriate assistance before confronting the abusive spouse.
If you currently find yourself in this position, you do not have to navigate it alone. Do not hesitate to contact us. We will listen to your circumstances, help you understand your legal options, and assist you in putting the necessary legal protections in place so that you can take the next step with greater certainty and confidence.
You may feel financially trapped — but that does not mean that you are without options. We are here to assist you. Danelle Els Nikite Pretorius
DANELLE ELS ATTORNEYS INCORPORATED
TEL: 079 497 2581
EMAIL: [email protected] / [email protected]
WEB: https://deinc.co.za/