Posts Tagged ‘change’
How To Calm Your FEARs
When I got divorced, FEAR was my constant companion. I was afraid of almost everything and I spent a lot of time imagining catastrophes that could happen to me. Some of the catastrophes I vividly pictured were being trapped in my home by a tornado (that was the happy version – the worst version was just being obliterated by a tornado), being poisoned by the food I had bought at the grocery store, being killed in a car accident, and even losing my job which would cause me to never work again and having to live on the street where I would die a painful death.
Luckily, none of my catastrophes have come to pass, but I wasted a HUGE amount of energy and time living with the fear of them. And yet, being afraid is a common part of going through divorce. There are so many changes happening all at once that can seem to threaten survival if your FEARs take hold of you like mine did.
Could I have worked my way through my divorce without wasting so much energy and time on being afraid? YES! But I didn’t know how then. I know how now and that’s what I want to share with you – exactly how to calm your FEARs.
You can look at the word fear as an acronym – FEAR – which stands for False Expectations Appearing Real. Each one of the catastrophic fears that I had were actually FEARs. They were just expectations that I made come terrifyingly alive for me even though they were not real events.
The first thing to remember about FEARs are that they are based on a loss of trust. When you have False Expectations Appearing Real you’ve lost trust in something.
When I was afraid of being obliterated by a tornado, I had lost my trust in being able to take the necessary precautions in a tornado warning. When I was afraid of being poisoned by the food I bought at the grocery store, I had lost my trust in the food production, safety and distribution organizations. When I was afraid of being killed in a car accident, I had lost my trust in my ability to drive defensively and my trust in the fact that most other drivers are going to follow the rules of the road. When I was afraid of losing my job, I had lost trust in my ability to perform at work even though I was still doing so. When I was afraid that I would never work again, I had lost my trust in myself. When I was afraid of living on the street, not only had I lost trust in myself, but I had lost trust in my friends and family too.
Now, losing trust is a normal part of going through divorce. It makes sense to have a questioning about trust with respect to relationships when you’re going through divorce. However, generalizing the loss of trust about relationships to other things is where FEARs start. So as easy as it can be to question your trust of other things in your life when you go through divorce, actually losing trust can lead to creating catastrophes where there are none. And this is exactly what I did when I went through my divorce.
The second thing to remember is that what you’re FEARing is probably not happening now. In fact, that’s the best way to start calming a FEAR. Just ask yourself if what you’re FEARing is true right now. Is it happening right now? Usually, it isn’t. Usually, your mind is just going down the path of creating a wildly vivid movie of your FEAR. But, the moment you’re able to push the pause button on the movie you’ve been creating by acknowledging that it’s not happening right now, you’ve just started calming your FEAR. Your FEARs will calm because you’ve changed your focus, if only for a moment, to the fact that it’s not happening right now.
The third thing is to help your thoughts change the channel from the FEAR movie as soon as you pause it. There are millions of other thoughts you can have instead of becoming engrossed in the movies of your FEARs. The easiest way to change the channel is to become engrossed in something else. For some people exercising works great. But if it’s the middle of the night when your FEAR movie-fest starts, it’s not too practical to start exercising. What I think works even better at any time of the day or night is to write down what your FEAR is and then write down as many things as you can think of to prevent that FEAR from becoming real. Another thing that can help any time of the day or night is to ask yourself what is happening now. What are the sounds you’re hearing, the things you can see, what are you touching, etc. Just by bringing yourself as fully into the reality of your surroundings as possible can help to quell the FEARs and change that channel.
Fears are a normal part of healing from divorce. The thing is that sometimes they can get out of hand and become FEARs (False Expectations Appearing Real). By having a plan in place that can help you change the channel when your FEARs start playing in your mind, you’ll be able to calm them quickly.
Your Functional Divorce Assignment:
What are you FEARing? People FEAR all kinds of things when they get divorced. Maybe you FEAR being alone for the rest of your life. Maybe you FEAR not being able to find a job when you return to the workforce. Maybe, you’re like me and you FEAR eating the food you bought at the grocery store. Whatever it is that you FEAR, acknowledge it. By acknowledging your FEARs, you’ll have more control over them instead of being ruled by them.
Now that you know what they are, prepare for you FEARs to show up. Understanding that your FEARs might show up again even after you’ve identified them will put you well on your way to calming them. They’ll become a movie you’ve seen a hundred times where you can recite every line of the dialog by heart. You’ll just need to remember to ask yourself, “Is what I FEAR happening now?” as soon as the FEAR movie starts to play again so you can pause it for just a moment.
When the movie is paused, pick one of the three options to change the channel. If your FEAR movie starts playing at a time when you can exercise, you might want to do that. If your FEAR movie starts to play at a time when it’s not possible to exercise, you can either write down your FEAR and as many things as you can think of to prevent it from coming true or you can start becoming firmly engrossed in your surroundings.
Whatever you choose to do to change the channel when your FEAR movie starts will be a HUGE boon to you calming your FEARs and being able to move on with your life after divorce.
I’m Dr. Karen Finn, a divorce coach and advisor helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice. And if you’re interested in taking the first step toward working with me, you can schedule an introductory private coaching session.
© 2013 Karen Finn. All rights reserved under all copyright conventions.
8 Documents To Update After Your Divorce
If you don’t update them, you won’t like what happens.
There are just a ton of legal, financial and medical documents you’re expected to keep track of to help protect and provide for you (and your family) in all kinds of different situations. For most of us it is overwhelming to try to understand and manage it all – especially when you’re going through the divorce roller coaster of emotions.
Unfortunately, there are lots of people who don’t bother with updating or changing any document outside of the divorce decree. That’s where the problems start. For example, if you were to forget to update the beneficiary to your IRA, your ex could inherit it.
Because it is so difficult to keep track of all the documents you might have and want to update when you get divorced, here’s a list of some of the more common documents you’ll want to make sure to update when you get divorced. (You’ll also want to review them on a yearly basis too.)
- Retirement Plans (e.g., 401K, IRA, pension plan, etc.)* Retirement plans are monies set aside for an individual’s retirement. When the individual dies, their beneficiary will receive these monies.
- Life Insurance Policy* A life insurance policy can provide for your family after your death and pay for your funeral costs.
- Will & Trust* These documents can identify the persons or entities that will receive your property when you die, for you to appoint a guardian for your minor children, appoint those you wish to manage your estate, and revoke or alter a previous will. Remember to update your beneficiaries to reflect your new marital status. You’ll probably also want to review the guardians and managers of your estate.**
- W-4* This document helps your employer to withhold the correct federal income tax from your pay. With your changed marital status, you might want to adjust your number of dependents to reflect your newly single status.**
- Medical Treatment Authorization and Consent Form* This form is important when your children are not with either a parent or legal guardian. Because your children are probably in different care situations than before your divorce, you might want to make sure whomever is watching your children can help your children get appropriate medical care should they need it.**
- Medical Power of Attorney* This document designates a person whom you trust to make health care decisions on your behalf should you be unable to make those decisions. You’ll probably want to make sure you update who this person is.**
- Directive to Physicians and Family or Surrogates* A directive helps you communicate your wishes about medical treatment if you are no longer to make decisions due to illness or incapacity. Most people have their spouse listed as the person to make these decisions. If this is what you’ve done, you’ll probably want to make sure to update who this person is.**
- HIPPA Authorizations at each of your doctors* The HIPPA allows you to indicate who besides you may have access to your medical information. We usually complete these forms allowing the doctor’s office to leave your healthcare information with our spouse. If you did this, you might want to change this at each of your doctor’s offices.**
* The purposes identified in this list are just casual descriptions. For legal descriptions, you’ll want to contact the appropriate authority.
** The changes to consider are just suggestions. You’ll want to work with the appropriate authority to verify which changes are appropriate for you.
Your Functional Divorce Assignment:
Which of these documents do you have? For each of the documents listed in the table that you’ve already got, take the time to review and update them.
Which of these documents are you missing? For each of the documents you are missing, look at the purpose of the document and see if you want or need to have it. For each document that you want or need, have the appropriate professional create it for you.
Where are your documents? There are some documents that you’ll want to keep handy. You’ll want to make sure that the appropriate family members know where your documents are kept. You’ll probably also want to make copies of the documents for yourself and family members so everyone who might need them has them.
There are other documents, like the HIPPA Authorizations at each of your doctor’s offices, which someone else will keep the originals of so that you’ll just have copies. You’ll want to keep tabs on these as well so you’ll have an easy time updating them next year.
I’m Dr. Karen Finn, a divorce coach and advisor helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice. If you’re interested in taking the first step toward working with me, you can schedule an introductory private coaching session.
If you’re looking for more help on how to navigate the challenges of your life now, read more articles on Life After Divorce.
Changing Your Mood Might Be As Easy As Changing Your Shirt
One of the most curious things that happened when I was going through my divorce was that I started to wear black almost all the time. What was so curious about it was that I had always loved color, but for some reason I didn’t understand then, I was drawn to wearing all black for quite a while. It was really different for me and many of my friends commented on my new wardrobe choices.
At the time, I didn’t think too much about it. And after about 6 months, I started to wear more colorful clothing again.
A few years ago, while doing research about emotions and ways that environment affects our moods, I found there is a wealth of research on how colors affect our moods and vice versa. I was really surprised by what I learned because it explained why I had been drawn to different colors while I was going through the worst of my divorce.
Here are some of the things I’d like to share with you about color and how it can affect or reflect feelings:
| Black | Many of us associate the color black with mourning and that was my first guess as to why I was drawn to it during the worst of my divorce. Well, according to color therapy theory, black is also the color that gives us space for reflection and inner searching. I have to tell you that I was doing a whole lot of thinking and trying to figure things out while going through my divorce and so this makes a lot of sense to me. |
| Blue | Blue is the color of a beautiful Caribbean sea and the color of a sunny sky. Like a sunny day spent lazing on the beach, blue is the color of relaxation. Color theorists say that blue also promotes relaxation and healing. |
| Red | Red is a VERY energizing color. You probably remember from watching cartoons when you were a kid that when characters were angry their eyes became red. You’ve probably also heard the phrase “seeing red” to indicate that someone is angry. Red intensifies emotions, especially anger. |
| Yellow | Yellow is an interesting color from a color theory point of view. It is said to stimulate mental activity, promote feelings of self-confidence and increase alertness. Who wouldn’t want a healthy dose of those feelings? |
| White | White light contains all the colors. If you need clarity in your thoughts, white may just be the color you need to see more of. |
So does this color theory work? Many believe it does. I know that I enjoy being surrounded by colors and that some days I prefer one color over another. I know that when I feel confident and calm, I do tend to wear blue. When I’m feeling vibrant, I tend to choose red. And when I need things to be more organized and clean, I tend to choose white.
What color are you wearing today? Is it a reflection of your mood or thoughts? Is it just the first clean thing you grabbed to put on? Or is it your signature color? You just might be surprised about what the color of your shirt says about how you’re feeling and thinking.
Your Functional Divorce Assignment:
Determine if color therapy could be useful in your life. This week, have some fun noting the colors you wear each day and how you feel. At the end of the week, compare your color/mood combinations to the list above and see if your moods matched the colors.
If you find a correlation between the colors you wore and your moods, experiment with adding more of the colors you were wearing when you felt good. Adding pops of the colors that help you to feel good into your home and office could help you to get back to and maintain a good feeling.
If you don’t find a correlation between the colors you wore and your moods, don’t worry, it just means that you’re probably not especially sensitive to colors right now.
I’m Dr. Karen Finn, a divorce and personal life coach helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice or schedule a private consultation with me.
If you’re looking for more help to change your mood after divorce, read more articles about Healing After Divorce.
I’m NOT In 1st Grade Any More. I’m NOT Exactly Married Any More. Why Should I Send A Valentine?
When was the last time you read Elizabeth Barrett Browning’s sonnet “How do I love thee? Let me count the ways…”? I can’t tell you the last time I read it, but when I started thinking about what to write about with Valentine’s Day just around the corner, the first line of this work came to mind. I’ve quoted the entire sonnet for you below.
How do I love thee? Let me count the ways…
By Elizabeth Barrett Browning
How do I love thee? Let me count the ways.
I love the to the depth and breadth and height
My soul can reach, when feeling out of sight
For the ends of Being and Ideal Grace.
I love thee to the level of everyday’s
Most quiet need, by sun and candle-light.
I love thee freely, as men strive for Right;
I love thee purely, as they turn from Praise.
I love thee with a passion put to use
In my old griefs, and with my childhood’s faith.
I love thee with a love I seemed to lose
With my lost saints, — I love thee with the breath,
Smiles, tears, of all my life! — and, if God choose,
I shall but love thee better after death.
It’s an amazing read, isn’t it? And for many people dealing with divorce, it’s a painful read too.
So often we marry with the belief that our love is the ideal kind that Elizabeth Barrett Browning writes about. And divorce “proves” to us that our marriage must not have been based on love at all – at least that’s the conclusion I jumped to when I got divorced. It’s also a conclusion I’ve heard many of my clients jump to as well.
What I’ve learned over the years since my divorce is that my marriage was based on love to begin with, but that my marriage didn’t continue to grow in love and that’s why it ended in divorce.
Most people do marry for love. Odds are you and your former spouse did too.
So then why is reading this sonnet so painful to so many people going through divorce? I believe it’s because we forget what love is and assume that because we’re divorced or divorcing that we must not know what it is.
I believe that love is something that extends beyond the romantic type that is most often associated with Valentine’s Day. We’re surrounded by love every day. If instead of getting caught up in the chaos and confusion of divorce along with the daily grind of making a living and meeting our responsibilities we could focus for just a few minutes on the beauty all around we would experience love. Or maybe you can focus on yourself for just a few minutes, be gentle with yourself and allow yourself to breathe slowly and deeply, you’ll experience love. Or maybe seeing the joy in your child’s face when they see you will remind you of the love you’re blessed with despite divorce.
I think that the key to experiencing love (I’m not talking about the romantic kind here) is being able to freely give it. But you know, I can get so caught up in daily living that I often forget to express the love I have for my friends and family. I know I’m not the only one who forgets. I know that sometimes it can be difficult to express love when you’re struggling with the repercussions of divorce, but I also know it’s vital to making it through divorce and moving on with your life. That’s why believe you can use this Valentine’s Day as a gentle reminder that we each have the opportunity to tell the people (and animals) we love how much we truly do love them. And the best part is that you’ll usually hear how much you’re loved in return.
Who will you say “I love you” to this Valentine’s Day?
Your Friendly Coaching Assignment:
Seriously, who is on your list of needing to get a Valentine from you? Yeah, it’s different than when we were in first grade and gave one to everyone in our class. It’s also different from when you were married and knew who you had to get a Valentine for. These days, you get to make your own list of those folks you love.
A Valentine isn’t necessarily a card. A Valentine can be a quick email saying “hi, I’m thinking about you”, a call, a text, a bouquet of roses, a conversation, a hug, a special event or, yes, even a card. It’s not so important how you tell someone you love them as it is that you simply tell them.
Have fun. I sure hope you have fun letting your friends and family know you love them. To me, that’s the beauty of Valentine’s Day – a whole day set aside to let others know you enjoy your relationship with them.
I’m Dr. Karen Finn, a divorce and personal life coach helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice or schedule a private consultation with me.
© 2013 Karen Finn. All rights reserved under all copyright conventions.
Divorce Is Tough. The Mortgage Doesn’t Have To Be.
By Mark Watson, Loan Officer, Guardian Mortgage Company, Inc.
www.guardianmortgageonline.com
This is a terrific article. It’s jam-packed with information that I am so happy to be able to share! I’ve added just a few comments in square brackets [].
If you are going through a divorce, you are probably exhausted by all the details and decisions that have to be made as the two of you separate. Even in the most amicable situations it can be very emotional. [Remember there are the 5 facets of divorce – social, emotional, legal, financial and functional – that all overlap. So it makes sense that in the midst of making the decisions required to divorce that you would experience a lot of emotions.]
There is usually a lot of discussion about the house as it usually represents the family’s largest asset. [Dealing with an asset would be an example of the financial facet of divorce. When dealing with the financial facet of divorce it’s best to remain primarily in a business mindset instead of an emotional one because you’ll be better able to make decisions you can live with for the long haul.]
While divorce is a tough process, resolving the mortgage doesn’t have to be. According to Mark Watson, Vice President of Guardian Mortgage Company in Plano, Texas, there are three things homeowners can do to make it easier on themselves:
- Make realistic decisions.
- Understand your loan options.
- Seek help.
Make Realistic Decisions.
In many divorces, the home is refinanced in the name of one of the spouses and any profit or losses are negotiated between the couple. Sometimes the home is sold, and sometimes there is a long-term agreement in place about the home. Occasionally, a house with no mortgage is given to one spouse as part of the divorce settlement.
“It makes no difference to the mortgage company whether or not the name changes on the mortgage,” notes Watson. “However, the spouse no longer living in the home usually does not want to be responsible for it. Plus, they may want some cash out of it.”
If your house is paid off, a quit claim deed can be an easy solution to home ownership in a divorce settlement and make your life after divorce easier.
If there is no mortgage on the home, and one spouse plans to keep it as part of the settlement, the process is simple. “The attorney prepares a quit-claim deed and records it as part of the divorce,” says Watson. “The home belongs to just one spouse from that point forward.”
Most homes have a mortgage, though. There are a number of questions that must be answered in order to pick the right process for your situation, but the most important is “which spouse can afford to keep the home after the divorce?” It is often the most difficult as there is often a lot of emotional attachment towards the house that may not have anything to do with the financial realities of the situation. [The best way to answer these questions is from a business-minded perspective. The “businesses” to be considered are the financial business of each spouse post-divorce as well as the business of raising happy, healthy children. In other words, you need to keep in mind what your life after divorce will really be like if you choose to keep the house.]
The spouse with primary custody of the children will often want to keep the home to provide a stable environment and to stay near school and friends.
“I often see couples where the wife isn’t working and hasn’t worked in years,” says Bruce Rayburn of The Rayburn Group of Ebby Halliday Realtors based in Plano, Texas. “This makes it very hard to qualify for a refinance. Even if both spouses were working at the time of the divorce, it doesn’t mean either spouse can afford the mortgage with only one salary.”
“Even getting child support is often not enough,” Rayburn adds.
Besides the amount of income required to qualify for a refinance, the source of the income makes a difference. “For conforming loans ($417,000 or less in most areas of Texas), alimony and child support cannot count towards qualifying income until there have been at least three months of steady payments. In addition, the paying spouse must be required by law to pay for at least three years after the closing date of the sale,” notes Watson.
“For FHA Loans, the requirement is six months of payment. Furthermore, if the amount of alimony or child support is greater than 30% of the borrower’s income, then a full year’s worth of reliable payments is required.”
[Regardless of where you live you need to know a lot about what the legalities and implications of keeping the house are as you make decisions that will impact your post-divorce lifestyle and residence.]
Understand Your Loan Options.
Many couples believe that they have to sell or refinance the home in order to finalize the divorce, which is not always the case. Sometimes sale or refinance of the home is delayed for months to years.
According to attorney Penny Phillips of Plano, Texas, many families with children want to keep the family home for them until they are older and/or in college. “In this case, one spouse will sometimes agree to wait to get the equity out of the house until after the children have left,” says Phillips.
In Texas, a lien can be placed on the house – called an Owelty Lien Agreement – such that one spouse will own the house, but the other will still retain rights to equity that was present in the house at the time of the divorce. This gives the first spouse the right to make improvements and to own the home, but the second spouse will get his or her share of the equity later when the kids are grown or the market improves or whatever reason the couple has chosen to wait.
“It is a win-win because the owner-spouse gets the benefit of all improvements and equity growth in the meantime, but the other spouse still gets the benefit of all the years of contributing to the equity when they were married,” adds Phillips.
“Since the home is not sold or refinanced, there is no need for the remaining spouse to get qualified for a new mortgage until the cash-out time. They just need to keep making timely payments. This is a good solution for situations where the divorce is fairly amicable and the spouses can work together for this common goal. I always advise that they tell the mortgage company about the divorce, however, as both partners need to continue to get notices about the loan,” says Phillips.
[Keep in mind that just because a divorce starts out amicably doesn’t mean it will stay that way. So making sure that both spouses continue to get notices about the loan is a smart decision. After all, keeping life after divorce amicable between exes requires regular, respectful communication, but tempers can still flare despite the best efforts.]
“We generally see Owelty Liens when a couple is in the process of refinancing the home,” notes Watson. “You don’t need to wait a specific amount of time to use it, and it has the added benefit of letting you do a “special purpose” refinance and go up to 95% of the appraised value of the home. This provides more equity at the end of the process.
“Current “cash-out” guidelines for refinancing in Texas allow for financing up to 80% of the loan value. A special purpose refinance allows you to get an extra 15% out of the home, which is then shared between the couple as per the terms of their divorce. I always talk to my clients about Owelty Liens because it can make a big difference if one partner is trying to buy another home, for example. Also, if the other partner finds out after the fact that they could have gotten more cash out of the refinance and didn’t, it can cause more unhappiness all around.”
Seek Help.
Dividing up the marriage assets is emotional and financially risky if you are not sure what you are doing. Early in the divorce, both spouses should consult their mortgage provider, realtor and CPA as well as an attorney in order to review their options and the financial and tax consequences of certain decisions. These objective outsiders will help you navigate your particular situation and direct you to other resources. In addition, they can act as a go-between if the divorce is contentious.
[One other divorce professional you may want to contact when dealing with the financial questions of divorce is a Certified Divorce Financial Analyst. These professionals are trained in how to help couples develop different scenarios for an equitable division of their assets and debts so they’ll each have a better picture of what their financial life after divorce will be like.]
“It is a false economy to do a divorce yourself. I’ve seen couples ruin their credit by doing it wrong. In one case, so many mistakes were made; one partner almost went to jail. It’s not worth it,” said Phillips. “Plus the experts can tell you about Owelty Liens and other ways to get the best out of a bad situation.”
“Lack of communication makes the divorce harder,” says Rayburn. “I often will work with both spouses in a divorce to help sell the old home, refinance and/or find a new, less expensive home if that is their post-divorce reality. I’ve even helped people through multiple relationships over the years because I was able to facilitate communications between the parties.”
“I often give my clients a list of good appraisers to call on,” says Watson. “Even if they don’t plan to sell or refinance right away, they need an appraisal in order to fairly determine the value of the home for the divorce settlement. I can then take that appraisal and show them how much equity is in the house so they can have more meaningful discussions.”
As with most issues related to divorce, there is no single best way to handle your mortgage. Divorcing couples must take a long look at their finances, and make realistic decisions based on a thorough understanding of their options.
Have more questions about how to handle your mortgage through divorce? Contact an experienced loan officer like Mark Watson at Guardian Mortgage Company today about your specific situation. Guardian Mortgage Company has been serving North Texas since 1965. Mark Watson (214) 473-7954.
Your Life After Divorce Assignment:
If you’re at the point of trying to decide what to do with the marital home, focus on the business decision you need to make. Despite how much you are attached to your home, the fact is it’s just a thing, a place. Spending your energy deciding how to best deal with this marital asset instead of what it represents will help you come to the best decision for you – the decision that you’ll be most comfortable with financially and emotionally in the long haul.
If it’s difficult for you to separate the business aspect of this decision from the emotional one, give me a call at 817-993-0561 so we can schedule a Complimentary Consultation and together we’ll figure out a way for you to have an easier time making the decisions you need to make as part of your divorce and make your life after divorce as good as it can be.
You don’t have to go through this alone. I’m Dr. Karen Finn, a divorce coach and advisor. I understand what you’re going through because I’ve been through it too. I’ve been helping people just like you who are dealing with all the stress and pain of divorce since 2007. You can join my anonymous newsletter list for free weekly advice or email me directly for a free consultation at Karen@functionaldivorce.com.
Are you looking for more tips about setting yourself up for your best possible post-divorce life? You can find more great information at Life After Divorce.
Just finished a great book – Raising the Kid You Love with the Ex You Hate
Edward Farber, PhD is releasing his new book Raising the Kid You Love with the Ex You Hate next week. I was lucky enough to receive an Advance Reviewer’s Copy and I do mean lucky.
Ed’s book is full of fabulous advice about how to make the business of co-parenting work after the business of marriage has failed. The basis of his advice about successful co-parenting hinges on these three principles:
- Your child needs both parents
- Reduce parental conflict after the separation
- Both parents make decisions
Parents who can agree to abide by these three principles will have a headstart in helping their children be happy, healthy adults. To be implemented well, each parent needs to be consistently focused on them and communicate regularly with their ex to make sure they’re on the same page. Continuing to interact with your ex after divorce may not be something you look forward to, but, as Dr Farber points out, it’s necessary to being able to raise the kid you love.
I really appreciated reading this no non-sense approach to making co-parenting work along with the real-life stories from Ed’s practice, but probably the best part of this book is the fact that he shares ideas for non-ideal co-parenting situations. He offers suggestions for dealing with an ex who is more interested in revenge than in successfully co-parenting, for how the co-parenting arrangement will naturally need to change as your kid grows older, for dealing with an ex who has emotional, psychological or addictive disorders, and even for dealing with kids who may be embellishing the truth to get into your good graces.
This book is an ideal resource for parents who are divorced or divorcing and committed to continuing to be great parents.
You can check out the book at Raising the Kid You Love with the Ex You Hate.
I’m Dr. Karen Finn, a divorce coach and advisor helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice. If you’re interested in taking the first step toward working with me, you can schedule an introductory private coaching session.
If you’re looking for more help on how to navigate the challenges of your life now, read more articles on Life After Divorce.
The Rust Of Life And Divorce
Last week, one of my dear friends sent me a message. He sends messages just about every day to his friends to inspire and comfort. Jon’s one of those guys with a really big heart who knows how to make sure his friends really feel how much he cares for them.
This one message he sent to me last week really got me to thinking. It read, “…doubt is the rust of life. Doubt holds you landlocked in paralysis unable to move either way. The time you spent doubting is the time you are not alive. So, rid yourself of the doubt, take that step one way or another, your heart knows what is best, but take it right now.”
What an incredible message! It was like Jon had looked right at me and told me exactly what I needed to hear and what I knew I needed to share with you.
Doubt is one of the major immobilizing emotions of divorce. Uncertainty comes in all kinds of different shapes and sizes during divorce. There’s doubt about whether or not the decision to divorce is the right one, there’s doubt about how to best help the kids understand the divorce, there’s doubt about what life will be like during and after the legal proceedings and fees along with all kinds of other self-doubts.
The doubts that come with divorce are usually an indication of fear and a need to reconcile your previous way of life or doing things with the way things are or even could be in the future. It’s normal to have doubts and fears when your life changes dramatically. However, they can also become debilitating and that’s definitely something to avoid.
Instead, doubts are best used as a way to become aware that there’s something deeper to be explored and brought out to the light. One of the quickest ways I know to allow yourself to bring that something deeper up to the surface is through a thoughtful relaxation exercise. I’ll share the exercise with you in Your Functional Divorce Assignment.
Your Functional Divorce Assignment:
Sit in a comfortable chair with your feet flat on the ground. Take a deep breath in. As you exhale, start to imagine all the stress and strain from your body draining out. Draining from the top of your head, down through you neck, your torso, your legs and out through the bottom of your feet deep, deep into the ground.
Continue breathing deeply. Every time you exhale imagine more of the stress and strain in your body draining out through the bottoms of your feet deep, deep into the ground.
Enjoy the sensation of your body beginning to relax. Your neck and shoulders are loosening up. You’re sitting deeper into the chair and your entire body is relaxed as the stress and strain continue to drain out of your body.
When you’re feeling calm and relaxed, gently ask yourself about your doubt and what decision you need to make. As you remain relaxed, an answer to your question will emerge. It may or may not be the answer you were expecting, but you will have an answer that you can move forward with to dispel your doubt.
I know doing this technique on your own can be a bit challenging. So, if you’re serious about wanting to dispel your doubt and would like some help, let me know. You can reach me by email at karen@drkarenfinn.com and by phone at 817-993-0561.
I’m Dr. Karen Finn, a divorce and personal life coach helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice or schedule a private consultation with me.
Wrapping Up 2012
Most of us tend to be forward thinkers. We’re always looking at what’s next. As soon as we finish one thing, we rarely take the time to savor our success before we’re off to the next task or adventure.
This time of year, most Americans are gung-ho about their New Year’s resolutions before the struggling of achieving them sets in over the next few days.
One of the best ways to build the strength and determination to achieve your New Year’s resolutions is to build your belief in yourself by spending a little time reviewing all the good things that happened in 2012 – especially those things that help you know you can achieve your resolutions.
When you’re going through divorce, it’s especially important that you take time out to savor the good things. For most people, divorce has a way of coloring things with a more negative cast. The thing is there are usually good things that happened during the past year too. It’s worth the time to find and appreciate them so your world view can be a bit rosier and happier.
When I review all the things I’ve done, accomplished, and experienced in the previous year, I’m always amazed at how much good stuff I packed into the year! It takes me a couple hours to review my calendar, my business results, photos, my facebook wall posts, and my tweets for the previous year. Besides allowing me the time to appreciate my family, friends, business associates and clients, my year-end review helps me to prepare for the coming year and set more realistic resolutions for the New Year.
Your Functional Divorce Assignment:
Make your year-end review a priority and schedule a couple of hours for it. Once a year, it’s totally worth taking this time for yourself to review where you’ve been and see where you’d like to go.
Gather together your calendar, pictures and anything else that will help you remember all the good stuff from 2012. You may be like me and want to check out your facebook wall too!
Keep your appointment with yourself. Enjoy reviewing all the wonderful things that you got to do, see, and accomplish in 2012. Use the oomph you get from this to help you set and accomplish the resolutions you’ve made for yourself.
Schedule more time if you need it. I find that sometimes people need a bit more time to get through their year-end review when they’re going through divorce. Sometimes the review can trigger some other emotions that need to be worked through. If that happens to you, don’t worry, you’re not alone. Allow yourself the time you need to process your thoughts and feelings and then get back to enjoying the good things.
If you’re ready for an outside perspective and ready to get the help you deserve to make 2013 your best yet, reach out to me by email at karen@functionaldivorce.com or by phone at 817-993-0561. We can schedule a Complimentary Consultation to help you put your plans in place for making 2013 your best year yet!
I’m Dr. Karen Finn, a divorce coach and advisor helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice. If you’re interested in taking the first step toward working with me, you can schedule an introductory private coaching session.
Flexibility: It’s About More Than Just Muscles
Life changes a lot when you separate and divorce. Things that used to be a regular part of life just aren’t anymore. And when things change in unexpected ways, we can get scared, frustrated and angry.
When clients begin working with me, they’re usually experiencing some combination of fear, frustration and anger. One of the first things we do is dive into what’s behind or at the root of these emotions. What we usually discover on our deep dive are limits that have been disregarded in some way. The limits could be behaviors, expectations, thoughts, beliefs or even habits.
The identification of your personal limits is a critical part of restructuring your life during and after divorce.
Some people are quite adept at identifying their limits – what they can and can’t do, what they think and why they think it, what they expect and why they expect it and what their habits of thought, belief, response and action are.
Others aren’t as aware of their limits. They aren’t quite sure of what their limits are or even if they want to know because they do and think what others tell them to.
And then there are people everywhere in between these two extremes.
Regardless of your starting point, I think knowing and understanding your limits is one of the key pieces to successfully navigating divorce. Your limits can help you understand what’s truly important to you as you negotiate your settlement. And knowing your limits will even allow you to ask for help and support when you need it.
Your limits will be tested, pushed, prodded, and beat against before, during, and after your separation and divorce. Who’s doing all this “exploring”? EVERYONE. Or at least it will probably feel that way. However, the chief “explorers” are usually your soon-to-be-ex and you. I’ll bet you already get how your soon-to-be-ex figures in here, but did you expect to also be one the chief “explorers”? The thing is that by virtue of going through the divorce process you’re asking yourself to completely redefine what your life is like. And anytime you or anyone else changes it’s a matter of testing and exploring previous limits.
I know all the testing, pushing, prodding, and beating against limits is at a minimum uncomfortable and at worst excruciating. However, the payoff is either an adjustment or a reaffirming of your limits along with, ideally, improved ways of communicating them to yourself and others. With your new limits you’re most often better off than you were with your old limits. Kinda like that old adage – what doesn’t kill me makes me stronger.
Great, right? There’s going to be some struggle and then things will be better. UGH! There’s nothing there about how to make the transition from married to divorce easier! And here’s where I’m going to tell you that the way to make things easier is to be flexible and loving while you’re exploring your limits so you can adjust and evaluate them by choice instead of by force.
By allowing yourself to be flexible as you explore your limits you’ll be much more able to understand and choose what to do with your limits and your life as you move forward through your divorce process. The flexibility will also allow you to negotiate from a more confident spot because you’ll be able to more easily see the options available to you. Developing the ability to be flexible will help you now as you’re navigating your divorce, but throughout your life.
Your Functional Divorce Assignment:
Know your limits. As you’re proceeding through your separation and divorce process take note of your limits. You’ll probably become aware of them most easily when you’re experiencing a strong emotion.
Explore your limits. Once you’ve identified a limit, ask yourself questions like “How did I develop this limit?”, “What’s the benefit of this limit?”, and “What might adjusting this limit be like?” Take note of what you discover about yourself.
Adjust your limits. Exploring limits almost always gives you new ideas of how to be, act, and think. Take advantage of your discoveries and adjust your limits in ways that make you feel wonderful!
As always, I’m here if you need some help in increasing your flexibility. You can reach my by email at karen@functionaldivorce.com and by phone at 817-993-0561.
I’m Dr. Karen Finn, a divorce coach and advisor helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice. And if you’re interested in taking the first step toward working with me, you can schedule an introductory private coaching session.
© 2012 Karen Finn. All rights reserved under all copyright conventions.
Small, Simple Things Can Make A BIG Difference
On Wednesday last week, I had a busy day planned. I had a breakfast meeting in one part of town immediately followed by a one-on-one meeting and a luncheon in a completely different part of town. Then I needed to head back to my office for a call with my coach and to get some other tasks done before heading out for my dinner plans.
My day got even busier than expected because I didn’t do the simple things I know I need to do to be at my best.
I’ve learned that I need to eat a substantial breakfast in the morning. If I don’t, I have a hard time thinking and moving. My body just doesn’t have the energy it needs to keep all systems working – at least that’s how I think of it – unless I feed myself well in the morning.
Well, my breakfast meeting was VERY light on the breakfast part. You might expect that I would take something with me just in case I needed something more for breakfast. And you’d be right! I did take something with me – a Clif bar.
Unfortunately, that Clif bar was the small, simple thing that wound up making a BIG difference in my day.
When my breakfast meeting ended I hopped in my car and gobbled up my Clif bar and headed to my next meeting. I wasn’t feeling my best because I didn’t have anywhere near as heavy a breakfast as I usually do, but I knew I could make it through until lunch without too much stomach rumbling.
The location of my one-on-one meeting and luncheon was in downtown Fort Worth and so I drove to a parking garage and starting making the slow left-hand turns to work my way up the levels of the garage until I could find a parking spot. I passed a few up because they were next to HUGE pick-up trucks and I just didn’t think I’d be able to fit my car into them.
Then, I found a GREAT spot! It was on an end with one of those yellow cement posts on one side and a small car on the other.
So I turned on my signal and started to pull in. CRUNCH! My stomach sank. I had hit the yellow cement post.
OK, I thought, if I pull out the same way I pulled in then it wouldn’t be too bad. I put my car in reverse and slowly pressed on the gas pedal. SCREECH!
Well, that didn’t work too well, so I thought maybe if I turn my wheels slightly and pull forward again, I’ll get off of the post. GRRRRRRRRRRRR THUMP! Yeah, that didn’t work too well either.
Luckily, with that GRRRRRRRRRRRR THUMP! I was FINALLY able to reposition my car so I could pull out of the space without any more damage.
I then started making my slow left turns again until I found a GREAT BIG spot to park in.
After getting safely situated in this new spot I turned off the ignition and sat for a moment trying to understand exactly what had happened. It took a moment and then it hit me. I hadn’t taken care of myself by doing the simple things I needed to do. I skipped my regular breakfast and wasn’t at my best. Because I wasn’t at my best, I was having difficulty thinking and moving (driving in this case) and I smashed up my car. As you can probably guess, it wasn’t one of my proudest moments, but it was another reminder that sometimes small, simple things can make a BIG difference.
One of the things I hear about regularly from my clients is that it can be hard to do the things they know they need to do to take care of themselves when they’re going through divorce. The divorce is just such a monumental change in their lives that it can seemingly be easier to skimp on or simply skip the things they need to do to be at their best. As I’m sure you’ve guessed, I challenge them to rethink that just a bit and make the time they need to take care of themselves.
However, they don’t tell me all the subtle and simple ways they stop taking care of themselves because sometimes they’re not aware of it themselves. So, I often probe a bit deeper to help them figure out other ways they might make small, simple changes to take better care of themselves. In this week’s Your Functional Divorce Assignment I’m going to help you do the same.
Your Little Things Make A Big Difference Assignment:
Take a moment and think about which of the following you need to be at your best: adequate sleep, exercise, proper nutrition, fun, meaningful work, relaxation, great relationships with your kids, friends and family. For most people they need all of them. We all need to take care of our bodies by getting enough sleep, enough exercise and good food to eat. We all need to let our hair down to have some fun and relax. We all need to know that what we do matters. We all need to have meaningful relationships with others. This stuff is just part of being human.
Ideally, if I were to ask you to rate each of these on a scale of 1 to 10 (with 10 being perfect and 1 being needs a bunch of work) you’d rate each of these as a 10. But, life isn’t like that – especially when you’re working through divorce. Go ahead and rate your sleep, your exercise, your nutrition, your fun, your work, your ability to relax and your relationships on a scale of 1-10.
For the one you rated the highest, celebrate it! It can be especially difficult to take care of yourself when you’re dealing with divorce and the fact that you’re doing great in at least one of these categories is wonderful!
For the one that rated the lowest, what one small, simple thing might you do to make a BIG difference? I know it can be difficult to come up with something sometimes, but it might be something as simple as it was for me – eat a big enough breakfast to be at my best. If after a few minutes you’re still having a difficult time and you really are committed to making the small, simple changes you know you need to make to more easily navigate through your divorce, reach out to me. Schedule a Complimentary Consultation. Together I’m confident we can identify what small, simple things you might do differently to make a BIG difference in your transition from married to single.
I’m Dr. Karen Finn, a divorce and personal life coach. I help people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice or schedule a private consultation with me.