You have been separated for a year, but unless one or other of you is going to petition the other for either adultery or unreasonable behaviour, you can't apply for a divorce on the grounds of marital breakdown until you have been separated for two years.
Once the divorce proceedings are underway, you uwill need to get things moving on the financials. The cheapest option is to go for mediation. Lots of info about it if you do a search on the posts. What you agree in mediation can be translated into an order which the courts can simply rubberstamp.
mediation works really well where the two parties are amicable and civil towards each other. It is conducted in a very non-confrontational style with a mediator (often a solicitor) and is considerably cheaper than using a solicitor. Cost is around £70 per session. If no issues, can usually wrap things up in three sessions.