After years of arguments and tension, Steve and Diana finally decided to separate. Their mortgage situation, however, meant they were stuck with each other until the stale property market revived. So they came up with a peculiar solution – one week Steve would live in their house while Diana slept on a friend's sofa. The next week, they would swap. The plan unravelled when Steve fell out with his friend and ended up sleeping in his car. Angela Lake-Carroll, an independent family law consultant who advised the couple (their names have been changed), says such situations are far from unusual. She has also dealt with couples who divide a house into upstairs and downstairs with a rigid timetable for kitchen and bathroom use.

Money problems brought on by the economic downturn and a volatile housing market have forced increasing numbers of couples to live separate lives under the same roof. Jonathan Moore, UK and Ireland country manager at Easyroommate.co.uk, a website for individuals wanting to find a flatmate or houseshare, says: “Relationships don't always work out but the recession is preventing even more couples from making a clean break when they split up. Difficulties in selling houses, negative equity and not being able to afford to move out are forcing more people to carry on living with their exes. Unfortunately, those same financial stresses that make the break-up process so difficult are often a key reason for the break-up.”

Jonathan Alpert, a New York-based psychotherapist, has seen many more couples living together “due to financial worries, who ordinarily would have been in a divorce court. They are in a bind of sorts. They can't make mortgage and rent payments solo, yet can't stay married happily. They feel it's easier to deal with the psychological cost than the financial cost.”