Opinion
KOONTZ, C.J.
By final decree entered on September 21, 1990, the Circuit Court for the City of Charlottesville granted Constance P. Gamble a final divorce on the grounds of desertion and adultery from Harry Yandle Gamble, Jr. The decree further granted Mrs. Gamble a monetary award and spousal support, and ordered Mr. Gamble to convey his interest in the jointly owned marital home to Mrs. Gamble in partial satisfaction of the monetary award. On appeal, Mr. Gamble challenges the monetary and spousal support awards. He does not challenge the grounds for the divorce.
Mrs. Gamble filed her Bill of Complaint on March 16, 1990. On June 27, 1990, the parties presented their evidence before the chancellor ore terms. Thereafter, in letter opinions dated July 20 and August 17, 1990, the chancellor recited the findings of fact upon which the monetary and spousal support awards were granted. These findings of fact are adequately supported by the record.
A detailed recitation of the history of this twenty-six-year marriage is not warranted. At the time the couple separated, June 21, 1989, their two children were adults. Mr. Gamble, who had previously earned a doctoral degree in religious studies, held a teaching position at the University of Virginia. He received a net monthly income of $2,607. Throughout the marriage, Mr. Gamble was the primary source of income for the family. However, Mrs. Gamble, who had previously earned a master’s degree in education, held a teaching position in the Albemarle public school system from which she received a net monthly income of approximately $1,870. The chancellor, after determining the separate property of the parties, found that the parties had accumulated the following marital property:
[561]*5611. Personal Property - $ 23,194.00 - jointly owned
2. Real Property - $ 69,713.00 - jointly owned
3. Mrs. Gamble’s pension - $ 14,100.00 - owned by Mrs. Gamble
4. Mr. Gamble’s pension - $113,674.72 - owned by Mr. Gamble
Total $220,681.72
From this marital property and pursuant to Code § 20-107.3, the chancellor granted Mrs. Gamble a monetary award of $32,024.96. To this amount, the chancellor added the amount of $3,5001 which had previously been awarded to Mrs. Gamble at a pendente lite hearing; thus, Mrs. Gamble received a total monetary award of $35,524.96. In partial satisfaction of this award, the chancellor ordered Mr. Gamble to transfer all of his interest in the jointly owned marital home, which was determined to be $34,856.50, to Mrs. Gamble. Mr. Gamble’s equity in the home was determined by subtracting the outstanding balance of two mortgages from the value of $135,200 of the home set by the chancellor. Mr. Gamble was ordered to pay the balance of $668.46 within three months of the entry of the decree. Pursuant to Code § 20-107.1, the final decree fixed Mrs. Gamble’s spousal support award at $850 monthly beginning August 1, 1990.
On appeal, Mr. Gamble raises the following issues: (1) whether the chancellor erred in setting the valuation of the marital home at $135,200; (2) whether the determination of the amount of the monetary award and the order that Mr. Gamble transfer his interest in the marital home to Mrs. Gamble was an abuse of discretion; and (3) whether the determination of the amount of spousal support was an abuse of the chancellor’s discretion.
In addressing these issues, we are able to do so with the benefit of the chancellor’s reasoning which is recited in detail in the letter opinions in the record. For clarity, we will refer to this reasoning where each specific issue is addressed in this opinion.
[562]*562I. The Valuation of the Marital Home Issue
At the ore terms hearing, Mr. Gamble testified that in his opinion the marital home had an “approximate market value” of $175,000. In support of that opinion, he offered an exhibit which contained what he asserted to be valuations of other comparable properties in the neighborhood. The chancellor rejected this exhibit, but permitted Mr. Gamble to state his belief of the value of the home. In contrast, Mrs. Gamble introduced, without objection, a County of Albemarle tax appraisal reflecting a value of $135,200 for the home as of January 1, 1989. The chancellor found that the tax appraisal “is more satisfactory to establish the value of the residence.”
Because neither party filed a motion, pursuant to Code § 20-107.3(A), for the chancellor to use a different valuation date, Mr. Gamble initially asserts that the chancellor was required to determine the value of the marital home as of the date of the evidentiary hearing. We agree. That date was June 27, 1990. On this premise, Mr. Gamble then asserts that because the chancellor adopted the valuation contained in the January 1, 1989 tax appraisal, the chancellor adopted a valuation date other than June 27, 1990, as required by Code § 20-107.3(A). We disagree. It would be mere speculation to conclude that the chancellor after specifically acknowledging the requirements of this Code section would disregard its clear mandate. Moreover, the record does not support such a conclusion.
Nonetheless, Mr. Gamble asserts that Mrs. Gamble.offered little, if any, evidence that the value of the home had not increased since the 1989 appraisal. While pictures of the home were placed into evidence, he notes that Mrs. Gamble’s only testimony on that point was that there had been little money available for “cosmetic repairs.”
In contrast, Mr. Gamble asserts that his opinion of the value of the home was worthy of more weight, in essence, because it was based upon his knowledge of the value of similar homes in the neighborhood and was formulated several days prior to the date of the evidentiary hearing. In addition, he asserts that because the chancellor assigned a “half-way” value to those items of personal property over which the parties disagreed concerning value, the same approach was required for the valuation of the marital [563]*563home. We disagree.
Upon familiar principles, “we consider the evidence in the light most favorable to the party prevailing in the trial court. Where the trial court’s decision is based upon an ore terms hearing, its determination will not be disturbed on appeal unless it is plainly wrong or without evidence in the record to support it.” Schoenwetter v. Schoenwetter, 8 Va. App. 601, 605, 383 S.E.2d 28, 30 (1989). On brief, Mr. Gamble concedes that “in essence each party in this case was entitled to serve as his or her own expert regarding the valuation of the marital home.” Viewed in that context, we cannot conclude that the chancellor was plainly wrong in giving less weight to Mr. Gamble’s opinion and more weight to Mrs. Gamble’s opinion that the value of the home had not increased since the independent tax appraisal; thus, the chancellor was not plainly wrong in determining that appraisal reflected the value of the home on the date of the evidentiary hearing. Accordingly, we hold that the chancellor did not err in setting the value of the marital home at $135,200.
II. The Monetary Award Issue
In determining the amount and method of payment of the monetary award in favor of Mrs. Gamble, the chancellor specifically relied upon our decision in Brinkley v. Brinkley, 5 Va. App. 132, 361 S.E.2d 139 (1987). This decision outlined the steps to be followed in the application of Code § 20-107.3 prior to the 1988 amendments to this Code section. Mr. Gamble does not contest the classification of the marital property or Mrs. Gamble’s entitlement to an award. With the exception of the valuation placed upon the marital home which we have previously addressed and affirmed, he does not contest the valuation of the marital property. Thus, the focus here is upon the amount of the award and the method of payment of that award as determined by the chancellor.
Mr. Gamble asserts a three-pronged argument in support of his position that the amount and method of payment of the monetary award are erroneous. First, Mr. Gamble asserts that by combining pension and non-pension marital property in the calculation of the amount of the monetary award, the chancellor “inequitably allowed [Mrs. Gamble] to enjoy the vast majority of the currently available marital assets and granted to [Mr. Gamble] future, only [564]*564potential, benefits of his pension.” Next, he asserts that the chancellor erroneously considered Mrs. Gamble’s “future psychological, emotional and financial needs for the marital home” in determining the amount of the award and in ordering Mr. Gamble to convey his interest in the home to Mrs. Gamble. Finally, Mr. Gamble asserts that the chancellor misconstrued and misapplied the Code § 20-107.3(E) factors in determining the amount of the award.
The essence of Mr. Gamble’s first assertion is that where the amount of the monetary award pursuant to Code § 20-107.3(D) is based or calculated in part on the inclusion of pension benefits but is to be satisfied from non-pension property, Code § 20-107.3(G) limits the chancellor’s authority to order satisfaction from non-pension assets until the pension benefits are received by the payor spouse. Specifically, Mr. Gamble argues that the value of his pension benefits was used to determine the amount of the monetary award in favor of Mrs. Gamble and he was required to satisfy that award by transferring his interest in the marital home to her. He argues that this amounts to Mrs. Gamble’s receipt of a portion of his pension benefits prior to his actual receipt of those benefits.
In order to focus upon the proper application of Subsection (G) to the factual situation presented by this appeal, we will assume, for now, that the chancellor correctly determined the equities and rights and interests of each party in the pension and non-pension marital property and correctly applied the factors listed in Code § 20-107.3(E) to this property. This assumption is necessary in order to address the relationship between Subsections (D) and (G), which is at the heart of Mr. Gamble’s position regarding the monetary award in this appeal.
The chancellor’s letter opinions reveal in detail how the amount and method of payment of the monetary award were fashioned. In summary, the chancellor determined that the total value of all of the marital property was $220,681.72. The largest asset was Mr. Gamble’s pension, which was valued at $113,674.72. Of the total amount of the marital property, Mr. Gamble owned or had joint title to property worth $160,128.22. Mrs. Gamble owned or had joint title to marital property worth $60,533.50. The chancellor found that “these figures consist of each having a one-half interest in the personalty and the marital residence and sole title to their respective pensions.” Based upon these amounts, the chancellor [565]*565concluded that, prior to any award, Mrs. Gamble owned twenty-nine percent of the marital property and Mr. Gamble owned seventy-one percent of that property. After considering the Subsection (E) factors, the chancellor determined that Mrs. Gamble would retain all her interest in her pension, her one-half interest in the personalty and the marital home and would receive a monetary award of $32,024.96 pursuant to Subsection (D). This amount was acknowledged to be approximately equal to Mr. Gamble’s interest in the marital home.2 After directing Mr. Gamble to convey his interest in the marital home to Mrs. Gamble and to pay the balance of $668.46 ($35,524.96 less $34,856.50) within three months of the final decree in satisfaction of the monetary award, the chancellor turned to Subsection (G) and addressed Mr. Gamble’s pension benefits. The chancellor specifically determined that the Subsection (E) factors would warrant a fifty percent award of Mr. Gamble’s pension benefits to Mrs. Gamble. That amount, however, was reduced to twenty percent in order “to offset” the prior consideration of the value of Mr. Gamble’s interest in these benefits in making the Subsection (D) monetary award. This twenty percent Subsection (G) award was made payable as the benefits are actually received by Mr. Gamble.
In summary, it is clear that the value of Mr. Gamble’s pension benefits was included in the chancellor’s determination of the amount of the monetary award granted pursuant to Subsection (D). It is also clear that these pension benefits were considered again under Subsection (G). We must decide whether in fashioning an equitable distribution of the marital property the chancellor caused a portion of Mr. Gamble’s pension benefits to be paid, directly or indirectly, prior to his receipt of those benefits in violation of Subsection (G).
In Keyser v. Keyser, 7 Va. App. 405, 412, 374 S.E.2d 698, 702 (1988), we noted that “pension plans, by their nature and diversity, present unique problems when making a division of marital wealth under any equitable distribution statute.” Similarly, Mr. Gamble correctly asserts that, as a general proposition, pension benefits are an unusual type of property in that, in most cases, the pension benefits are “future oriented.” In this context, we note [566]*566that while such benefits are frequently to be realized in the future, they may also represent a large portion of the accumulated marital wealth at the time an equitable distribution award is fashioned. However, while susceptible to valuation, such benefits are not as readily susceptible to valuation or distribution at the time of an evidentiary hearing as is marital wealth reflected in the form of cash, stocks and bonds, other personalty, and real property. For these reasons, pension benefits are treated separately from other marital property under Subsection (G) for purposes of equitable distribution.
The chancellor’s task of equitably applying Subsection (G) in conjunction with the other provisions of Code § 20-107.3, however, does not lend itself to a simple mathematical equation. As a result, this Court has been called upon frequently to review the distribution of pension benefits. For instance, in Mitchell v. Mitchell, a case relied upon by Mr. Gamble, the chancellor awarded the wife a monetary award based in part upon the present value of the husband’s pension benefits. 4 Va. App. 113, 355 S.E.2d 18 (1987). This award was made payable within thirty days of the order, which was prior to the date the husband would actually begin to receive the benefits. At the time Mitchell was decided, Code § 20-107.3(E)(8) provided that one factor to be considered in determining the amount of a Subsection (D) monetary award was the “present value” of pension benefits. At that time, Subsection (G) provided, however, that no part of the monetary award based upon the value of pension benefits shall become effective until the benefits are actually received by the payor spouse and the award could not exceed fifty percent of such benefits. For these reasons, in Mitchell, we reversed the monetary award and held:
In the event that any part of the monetary award is based upon pension or retirement benefits, Code § 20-107.3(G) provides a limitation upon the method of payment. It places two restrictions upon payment: (1) no part of the award shall become effective until the party against whom such award is made actually begins to receive such benefits; and (2) no such award shall exceed fifty percent of the cash benefits actually received by the party against whom such award is made. The practical effect of subsection (G) is that the trial judge must specify separately any part of the monetary [567]*567award that is based upon pension or retirement benefits and make special provisions for the payment of it in order to conform with [these] restrictions.
We find that [wife’s] argument that the trial court could include as a part of the monetary award the present value of pension or retirement benefits without applying the restrictions on payment in subsection (G) to be in error and we reverse the judgment of the trial court since it ordered payment within thirty days of the order rather than when the [husband] actually began to receive such benefits.
Id. at 121, 355 S.E.2d at 22-23 (emphasis added). See also Price v. Price, 4 Va. App. 224, 233, 355 S.E.2d 905, 910 (1987). Significantly, although Subsection (G) was amended effective July 1, 1985 to permit the trial court to award a percentage of pension benefits, this amendment was not applicable at the time the trial courts decided Mitchell and Price. Now, however, the “special provisions” for the payment of an award based in part upon pension benefits contemplated in Mitchell are an award of a percentage of those benefits pursuant to Subsection (G).
Subsequently, in Brinkley, the case relied upon by the chancellor in the present case, we reversed a Subsection (D) award to a wife of a $3,000 lump sum and a Subsection (G) award of an amount equal to thirty-six percent of the husband’s pension benefits because the trial court did not follow the statutory scheme in determining whether a monetary award was appropriate, did not determine the present value of the husband’s pension benefits in determining the amount of the award, and effectively granted two monetary awards. 5 Va. App. at 137-39, 361 S.E.2d at 141-42. At the time Brinkley was decided, unlike Mitchell, the 1985 amendment to Subsection (G) providing that the “court may direct payment of a percentage of pension . . . benefits” was applicable. In this context, we held:
Code § 20-107.3, both as it read prior and subsequent to the 1985 amendment, contemplates only one monetary award, the amount of which is determined by the careful consideration of the eleven criteria enumerated in Subsection E. Although Code § 20-107.3(G) as it read prior to its amendment required the trial court to identify that portion of the award based upon [pension] benefits, see Mitchell v. Mitchell, 4 [568]*568Va. App. 113, 121, 355 S.E.2d 18, 22 (1987), that provision cannot be construed as authorizing multiple monetary awards. Furthermore, the statute now clearly indicates that the monetary award is not composed of discrete parts each based upon one of the enumerated factors, but is rather a single entity whose total amount is determined by examination of the Code § 20-107.3(E) factors.
Brinkley, 5 Va. App. at 139, 361 S.E.2d at 142 (emphasis, in part, in original and in part added).
Subsequent to Mitchell, Price and Brinkley, in 1988, the legislature repealed Code § 20-107.3(E)(8) which required the chancellor to determine the “present value” of pension benefits. In addition, Subsection (G) was amended and now provides:
In addition to the monetary award made pursuant to Subsection D, and upon consideration of the factors set forth in Subsection E, the court may direct payment of a percentage of the marital share of any pension, profit-sharing or deferred compensation plan or retirement benefits, whether vested or nonvested, which constitutes marital property and whether payable in a lump sum or over a period of time. However, the court shall only direct that payment be made as such benefits are payable. No such payment shall exceed fifty percent of the marital share of the cash benefits actually received by the party against whom such award is made.
(emphasis added). Subsection (G), in this form, was applicable at the time the chancellor decided the present case.
In his initial brief, Mr. Gamble asserts that the phrase, “In addition to the monetary award made pursuant to Subsection D” in the 1988 amendment to Subsection (G) “allowed for the first time separate monetary awards (non-pension and pension) [and] simplified and clarified the restrictions” of this subsection. He further asserts that the 1988 amendments did not legislatively overrule Mitchell and Price, but rather “were in response to this Court’s decision in [Brinkley] which had been interpreted to mean a trial court could not make two monetary awards; one a present sum from non-pension marital property and another which adheres to the ‘when/as/if requirements of Subsection G.” In his reply brief, Mr. Gamble clarifies his position by stating that he does not con[569]*569tend that two monetary awards must be made if the marital property consists of pension and non-pension property. Rather, he contends only that if the amount of the monetary award is based on the inclusion of pension benefits, Subsection (G) limits payment to when the benefits are actually received. In reply, Mrs. Gamble asserts that the amendment permits two separate monetary awards, if one is a pension award, but two awards are not mandated.
In our view, even if we assume that Subsection (G) was amended “in response to Brinkley,” this amendment does not alter our holdings in Mitchell, Price and Brinkley. Rather, we believe this amendment and the repeal of the Subsection (E)(8) requirement of consideration of the present value of pension benefits were intended only to clarify what has always been contemplated by the Code § 20-107.3 scheme for equitable distribution of the marital wealth of the parties: a distribution which will equitably “compensate a spouse for his or her contribution to the acquisition of [all marital] property obtained during the marriage.” Sawyer v. Sawyer, 1 Va. App. 75, 78, 335 S.E.2d 277, 279 (1985).
We recognize that where pension benefits are a portion of the pool of marital assets to which all of the provisions of Code § 20-107.3 must be applied, the continuing struggle has been to determine the value of these benefits and to equitably distribute that value without requiring payment before the benefits are received by the payor spouse. Mitchell, Price, Brinkley and the present case are examples of that struggle. The factual situations in each case illustrate what is required to conform an equitable distribution to the mandates of all the provisions of Code § 20-107.3, and specifically to a Subsection (D) monetary award and the limitations of Subsection (G) following the 1988 amendments.
Mitchell, for example, represents the clear factual situation in which a Subsection (D) monetary award was defective because the amount of the award was determined in part on the value of pension benefits but was ordered to be paid in violation of Subsection (G) prior to the time the party against whom the award was made actually received the pension benefits. In this context, Subsection (G), prior to and following the 1988 amendment, is a legislative recognition of the obvious: one cannot pay an award with funds he or she does not currently possess. Thus, an order to pay a portion of pension benefits prior to the actual receipt of such bene[570]*570fits continues to be prohibited by this subsection. Price represents another factual situation which involved “general pooling of all the marital assets, including the pension [of the husband].” 4 Va. App. at 233, 355 S.E.2d at 910. There we followed Mitchell in applying the Subsection (G) limitations to any part of the Subsection (D) monetary award based upon the pension benefits of the husband. In Mitchell and Price, the spouse against whom the monetary award was made was not currently receiving the pensión benefits, and the chancellor did not have the benefit of the 1988 amendment to Subsection (G) specifically permitting the award of a percentage of those benefits to the other spouse.
In Brinkley, which like Mitchell and Price, also involved pension and non-pension marital property, the primary error was that the chancellor failed to consider the Subsection (E) factors in fashioning an equitable distribution of all the marital property. Unlike Mitchell and Price, in Brinkley, the husband was presently receiving his pension benefits and Subsection (G) permitted an award of a percentage of those benefits to the wife. Without considering the Subsection (E) factors, the chancellor made a Subsection (D) monetary award of $3,000 and in addition a Subsection (G) award of thirty-six percent of the husband’s pension benefits, which we found effectively amounted to two monetary awards. In this context, we held that Subsection (G) does not authorize multiple awards, but rather “the statute [that is, Code § 20-107.3 in its entirety] now clearly indicates that the monetary award is not composed of discrete parts each based upon one of the enumerated factors, but is rather a single entity whose total amount is determined by examination of the Code § 20-107.3(E) factors.” Brinkley, 5 Va. App. at 139, 361 S.E.2d at 142 (emphasis added). We continue to believe that an equitable distribution of the marital wealth is the mandate of Code § 20-107.3.
Thus, when properly viewed, Mitchell, Price and Brinkley are entirely consistent and stand for the general proposition that where a monetary award is appropriate, the Subsection (E) factors must be considered in determining the total amount of a Subsection (D) monetary award which will equitably compensate a spouse for his or her contributions to the acquisition of all the marital property; and where pension benefits are a portion of that marital property, Subsection (G) permits the chancellor to award a percentage of those benefits conditioned upon the specific limita[571]*571tions of this subsection. The 1988 repeal of Subsection (E)(8) and amendment to Subsection (G) do not alter the holdings of these cases. Instead, the 1988 legislative action clarified the relationship between Subsections (D) and (G), where both are applicable to a particular factual situation. Moreover, these amendments provide a practical guide for the chancellor where pension benefits are a portion of the marital wealth to be equitably distributed. Based upon a consideration of the Subsection (E) factors to all the marital property, the chancellor may make an equitable distribution of the marital wealth by making a Subsection (D) monetary award or a combination of a Subsection (D) monetary award and a Subsection (G) percentage of pension benefits award. Whether the latter is viewed as one or multiple awards, the critical requirement of Code § 20-107.3 is that there be an equitable distribution of the total marital wealth as determined specifically by the Subsection (E) factors. In short, Subsections (D) and (G), where applicable to a particular factual situation, compliment each other and provide the chancellor the practical means to equitably distribute the marital wealth without requiring payment of any portion of that wealth prior to its actual receipt.
In the present appeal, Mr. Gamble’s assertion that the award of twenty percent of his pension benefits was in violation of the restrictions of Subsection (G) does not describe to what the chancellor actually ordered. Although Subsection (E)(8) had been repealed, the chancellor had the benefit of the evidence which established the present value of all the pension benefits of the parties, in addition to the value of the non-pension property. Thus, the chancellor was able to and did apply the Subsection (E) factors to all of the marital property and fashioned an equitable distribution of the marital wealth of the parties so that Mrs. Gamble would receive the accumulated wealth represented by the equity in the non-pension property (the marital home) and Mr. Gamble would retain a larger portion of the pension property (eighty percent of his pension benefits).
Contrary to his assertion, Mr. Gamble was not required, directly or indirectly, to pay a portion of his pension benefits to Mrs. Gamble prior to his receipt of those benefits. He was required to satisfy the Subsection (D) award by the transfer of non-pension property — his interest in the marital home and the balance in cash. In return, as an offset, he was required to pay only twenty [572]*572percent of his pension benefits to Mrs. Gamble when he actually received those benefits, as required by Subsection (G). An offset in the value of solely owned property of one spouse against the value of other solely owned property of the other spouse or jointly owned property is distinctly different from an order to transfer solely owned property, which is prohibited by Subsection (C). Here, the chancellor did not order the transfer of pension property solely owned by Mr. Gamble to satisfy the Subsection (D) award. Rather, the chancellor reduced the share of property that Mrs. Gamble would otherwise have been entitled to receive as an offset to the jointly owned non-pension property which Mr. Gamble was required to transfer to her. For these reasons, we find no merit to Mr. Gamble’s assertion that the chancellor erred in the application of Subsection (G) in this case.
We turn now to Mr. Gamble’s assertion that the chancellor erroneously considered Mrs. Gamble’s “future psychological, emotional and financial needs for the marital home” in determining the amount of the award and in ordering Mr. Gamble to convey his interest in the home to her. He relies upon our decision in Reid v. Reid, 7 Va. App. 553, 375 S.E.2d 533 (1989), to support his assertion. This reliance upon Reid is misplaced. In Reid, we held that “Code § 20-107.3(E)(11) does not contemplate consideration of earning capacity of one spouse and support needs of the other spouse, which are expressly embodied in Code § 20-107.1 and are more appropriately determined under the latter statute.” 7 Va. App. at 565, 375 S.E.2d at 540. Reid involved the erroneous mixing of spousal support and equitable distribution considerations. Here, the only “need” of Mrs. Gamble which the chancellor expressly considered under Subsection (E)(ll) was her desire to retain the marital home. While the record contains evidence of Mrs. Gamble’s “psychological and emotional needs,” it also contains evidence that Mr. Gamble planned to leave the country for a year and that he had previously indicated a desire for Mrs. Gamble to retain the marital home. In this context, it was not error for the chancellor to fashion the equitable distribution of the parties’ marital wealth in such a way that Mrs. Gamble would retain the marital home and Mr. Gamble would retain a large portion of his pension. Pursuant to Subsection (C), the chancellor had the authority to order the transfer of Mr. Gamble’s interest in the jointly owned marital home to Mrs. Gamble.
[573]*573Finally, we turn to Mr. Gamble’s third assertion concerning the monetary award. The chancellor concluded that as a result of the equitable distribution ordered, “Mrs. Gamble’s overall percentage of marital property is approximately 54% and Mr. Gamble’s is 46 %.” Mr. Gamble asserts that this division of the marital property is not supported by the evidence and is a result of the chancellor misconstruing and misapplying many of the Code § 20-107.3(E) factors. He asserts error involving all of these factors except factors five, six, nine and eleven. We see no useful purpose in reciting the details of Mr. Gamble’s specific assertions with regard to each factor or Mrs. Gamble’s assertions in reply. The essence of Mr. Gamble’s position is that he made a greater share of the monetary contributions to the well being of the family and the acquisition and maintenance of the marital property over the duration of the marriage than Mrs. Gamble, and his non-monetary contributions were at least equal to those of Mrs. Gamble. The chancellor agreed, but in consideration of several other factors, made an award which resulted in slightly less than an equal division of the marital property.
Our standard of review of this particular issue is well settled. “Code § 20-107.3 contains no presumption favoring equal division of marital property. Moreover, in reviewing an equitable distribution award, we rely heavily on the trial judge’s discretion in weighing the particular circumstances of each case. Only under exceptional circumstances will we interfere with the exercise of the trial judge’s discretion.” Aster v. Gross, 7 Va. App. 1, 8, 371 S.E.2d 833, 837 (1988) (citation omitted). Here, the chancellor carefully considered all of the Subsection (E) factors with regard to the particular circumstances of this case and we find no abuse of his discretion in fashioning the award which granted Mrs. Gamble slightly more of the marital property than Mr. Gamble.
For all of these reasons, we affirm the chancellor’s decision to grant Mrs. Gamble a monetary award and the amount and method of payment of that award.
III. The Spousal Support Award Issue
Well-established principles guide our resolution of the spousal support issue in this appeal. Where a claim for support is made by a party who has been held blameless for the marital breach, the law imposes upon the other party a duty, within the [574]*574limits of his or her financial ability, to maintain the blameless party according to the station in life to which that party was accustomed during the marriage. In fixing the amount of the spousal support award, a review of all of the factors contained in Code § 20-107.1 is mandatory, and the amount awarded must be fair and just under all of the circumstances of a particular case. See Ray v. Ray, 4 Va. App. 509, 513-14, 358 S.E.2d 754, 756-57 (1987). When the record discloses that the trial court considered all of the statutory factors, the court’s ruling will not be disturbed on appeal unless there has been a clear abuse of discretion. Calamos v. Calamos, 4 Va. App. 96, 100, 354 S.E.2d 102, 105 (1987). We will reverse the trial court only when its decision is plainly wrong or without evidence to support it. Code § 8.01-680.
Mr. Gamble’s adultery and desertion and Mrs. Gamble’s blamelessness, as determined by the chancellor, readily and adequately support the chancellor’s threshold determination pursuant to Code § 20-107.1 that Mrs. Gamble is entitled to a spousal support award. Thus, our focus here is upon the amount of that award, which the chancellor fixed at $850 per month.
While the parties disagree over the appropriate weight to be given to each of the nine statutory factors contained in Code § 20-107.1 based upon the circumstances of this particular case, it is clear that the chancellor considered each factor in determining the amount of the award. Because of the view that we adopt in this appeal, we need not recite the parties’ disagreement with regard to each specific factor. Rather, we limit our discussion to those specific factors and the evidence related to them that control our decision concerning the manner in which the chancellor fashioned the final award, and, thus, the amount of that award. In doing so, we again rely upon the chancellor’s letter opinions that reveal in detail the manner in which the award was fashioned.
Pursuant to factor one (obligations, needs and financial resources of the parties) the chancellor adjusted the monthly expenses claimed by each party and determined the reasonable anticipated monetary expenses of each party. For purposes of this opinion, except as we note below, we assume that the chancellor correctly made these determinations. The chancellor then determined that Mr. Gamble earned a net monthly income of $2,607 and Mrs. Gamble earned a net monthly income of $1,869.46. Mr. Gamble correctly asserts, however, that in determining Mrs. [575]*575Gamble’s income, the chancellor did not include the $250 monthly rental income she was currently receiving by renting a portion of the marital home. Mrs. Gamble argues that she was renting a portion of the marital home “in a desperate attempt to maintain the house while awaiting trial” and that “there was no testimony that she would continue to rent part of the home in the event she was awarded adequate support by the trial court.”
Clearly, the current income of Mrs. Gamble is one factor that the chancellor is required to consider in fashioning the final spousal support award to her. See Blank v. Blank, 10 Va. App. 1, 4, 389 S.E.2d 723, 724 (1990). In setting the spousal support award at $850, the chancellor noted that “such award permits both parties to come close to meeting their anticipated monthly expenses.” (emphasis added). We interpret this comment to mean that the chancellor was aware that the determination of the net monthly income of both parties was not a precise mathematical calculation. Moreover, we are unwilling to conclude that the chancellor’s failure to include Mrs. Gamble’s current rental income into the calculation of her net monthly income, standing alone, is necessarily a fatal defect in the manner in which the chancellor fashioned the final award. While no evidence supports Mrs. Gamble’s suggestion that this income was temporary, for the reasons that follow, we will treat the failure to consider this income as one of several considerations in our review of the final award.
Another consideration is Mr. Gamble’s correct assertion that the $850 award results in Mrs. Gamble having a greater net monthly income than he. Factually, this is the case even without the inclusion of the rental income figure. The chancellor also recognized this result, but found that this “is not determinative of what is or what is not an appropriate award of support.” Mr. Gamble suggests “that there are no cases which result in the payee spouse” having a higher net disposable income level than the payor spouse and invites our review of several decisions of the Virginia appellate courts that factually support his position. We need not, and do not, decide whether such a result is necessarily a fatal defect in the calculation of a spousal support award. Rather, we will treat the fact that Mrs. Gamble has more net disposable income as a result of the award in her favor as an additional consideration in our review of the final award in this particular case.
[576]*576Pursuant to factor eight (provisions made with regard to marital property under Code § 20-107.3), the chancellor considered the monetary award and the required conveyance of the marital home to Mrs. Gamble and “the fact that she will be responsible for both the first and second mortgage payments” on that property in the total monthly amount of $881. The record reflects that the first mortgage payment of $372 monthly was an obligation listed on Mrs. Gamble’s expense sheet that the chancellor considered in determining her obligations and net monthly income under factor one. Thus, the second mortgage payment of $509 monthly, rather than $881, would have been the maximum amount properly considered by the chancellor under factor eight. Moreover, because Mr. Gamble had previously been making this second mortgage payment, the chancellor necessarily had to have considered that fact when making the adjustment to Mrs. Gamble’s monthly expenses under factor one. In short, either Mr. Gamble has less disposable net income than determined by the chancellor because he has not been credited with making the second mortgage payment or Mrs. Gamble has more disposable income than determined by the chancellor because she has been credited with an obligation that she does not have. We need not resolve this apparent conflict, however. Rather, we treat it as another consideration in our review of the final award.
The chancellor’s failure to consider Mrs. Gamble’s current rental income and to either properly credit Mr. Gamble or to debit Mrs. Gamble with the amount of the second mortgage payment seriously lessens the reliability of the chancellor’s determinations of the parties’ respective obligations and net incomes. The chancellor’s conclusion that the fact that Mrs. Gamble’s net income exceeds that of Mr. Gamble was of little significance does not strengthen the reliability of those determinations. When these defects are viewed in their totality, the spousal support award in this case effectively provided the financial means by which Mrs. Gamble could satisfy the monthly mortgage obligations on the marital property she sought and received under the provisions of Code § 20-107.3. Moreover, the chancellor’s reasoning leads us to the conclusion that the award was fashioned primarily for that purpose.
In Williams v. Williams, 4 Va. App. 19, 24, 354 S.E.2d 64, 66 (1987), and in Reid, 7 Va. App. at 564, 375 S.E.2d at 539, we [577]*577noted the clear legislative intent embodied in Code §§ 20-107.1 and 20-107.3 to maintain an appropriate separation between considerations of spousal support and considerations of an equitable distribution of marital wealth. In that context, while Code § 20-107.1 requires a chancellor to consider the provisions made with regard to the marital property under Code § 20-107.3, we view that requirement as a practical means by which the chancellor may fix a proper spousal support award in light of the financial result of the monetary award. Thus, for example, income producing property conveyed pursuant to Code § 20-107.3 would alter the needs of one party and the ability of the other party to pay spousal support. This requirement, however, is not an authorization to fix a spousal support award to compensate a spouse further for marital property received pursuant to Code § 20-107.3. In addition, we take this opportunity to note that the requirement that the chancellor consider “the standard of living established during the marriage” pursuant to Code § 20-107.1 is also not an authorization to fix a spousal support award so that the receiving spouse can satisfy outstanding debts on the marital property conveyed to that spouse pursuant to Code § 20-107.3. The outstanding obligations on marital property are properly considered when Code § 20-107.3 determinations are made and the marital wealth is equitably distributed. The same obligations are not to be factored again into the Code § 20-107.1 determination. In short, the appropriate separation between considerations of spousal support and considerations of an equitable distribution of marital wealth prevents a “double dip” by a spouse who seeks and receives encumbered marital property under Code § 20-107.3 and also seeks and receives spousal support under Code § 20-107.1.
In the present case, we hold that there was a clear abuse of discretion when the chancellor fashioned the spousal support award that effectively required Mr. Gamble to satisfy the mortgage obligations on the marital home he was required to convey to Mrs. Gamble. Because we are unable to determine that the amount of the award would be the same had the chancellor properly considered the rental income and the payment of the second mortgage, we reverse the spousal support award and remand the issue of the amount of spousal support for reconsideration in light of the views expressed herein.
[578]*578In summary, we hold that the chancellor properly determined the value of the marital home and properly determined the amount and method of payment of the monetary award. The chancellor erred, however, in applying the provisions of Code § 20-107.1 in the determination of the amount of the spousal support award.
Affirmed in part, reversed in part, and remanded.
Duff, J., concurred.