Posts Tagged ‘divorce recovery’
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.
All Tangled Up?
Have you ever felt all tangled up on the inside and didn’t know which direction to turn?
Or maybe you’ve felt that you’re stuck in quicksand and it’s taking all your effort to just make it through each day?
Or worse, you’ve felt that you’re wearing a choke-chain of all your responsibilities and don’t really know who you are anymore?
Don’t worry. I’ve been there. In fact, everyone I know who has been through divorce has been there before too. Overwhelm can be hard to overcome and yet it’s a common part of divorce. Knowing how to get through it or stop it all together is a critical skill to develop. What I’m going to share with you today are some of the techniques I regularly use with myself, my family and my clients when things start to feel overwhelming.
1. Change your story.
When I was finding my way through the aftermath of my divorce, I used to tell myself really scary stories. They were stories of doom and I told them over and over again – like a broken recording. I was feeling overwhelmed and the stories I told myself made things worse. I didn’t see any way that I could ever stop the chaos I was living in. I felt like I was performing and not really living. I was really miserable!
But, things slowly changed when I started changing my internal story. Instead of envisioning a life of doom and destruction, my stories became more about experiencing sadness and then more about being tired of the sadness and imagining what changes I could make. And then, I started actually making changes – some really big changes. I started living again instead of feeling like a prisoner of circumstances.
It can be the same for you. Simply by changing the story you’re telling yourself, you can dramatically (even if it takes time like it did for me) change your life for the better and stop feeling overwhelmed.
2. Take care of you first.
For those of us who have a tendency to get burned out, when we feel stressed about out divorce it can be especially easy to forget about taking care of ourselves and just focus on what needs to be done for others instead. After all, they’re depending on us, right?
It’s easy for me to identify a new client who isn’t taking care of themselves because they have a difficult time answering questions like
- Are you getting enough sleep?
- Are you exercising?
- Are you eating nutritious meals?
in the affirmative. They’ll squirm a bit before answering or try to deflect the question with a joke or some explanation as to why they can’t sleep or exercise or eat well.
If you can’t honestly say you’re getting enough sleep, adequate exercise and eating well, you would probably benefit from taking better care of yourself. Taking care of yourself isn’t an afterthought – something you do after you take care of the rest of your responsibilities. Taking care of yourself is VITAL to you being able to take care of your responsibilities. Without your physical well-being, you won’t be able to take care of anyone or anything else, so, please, make sure you’re putting you first and treating yourself well.
3. See the lighter side and laugh.
Somehow, when things are really miserable and you’re just not sure how you’re going to deal with one more pressure, there comes a moment when you realize just how ridiculous everything is – all the pressure and stress suddenly become laughable. I’ve found the best thing to do when I reach that point is to laugh. I’m not talking about a simple tee-hee-hee or chuckle, I’m talking about a really deep from the gut laugh.
Laughter is a great cure for stress and overwhelm. It causes you to loosen some muscles and tighten others. It requires you to breathe differently and it gets some different hormones flowing through your body – the kinds that help you to feel better.
In working with my clients, I often incorporate really bad jokes to get some laughter going. Laughing always lightens the mood and allows my clients to see things from a slightly different angle and break the strangle hold overwhelm had on them.
With overwhelm and stress being such common elements of our daily lives – not to mention divorce, these 3 simple ideas can be a great springboard for you to prevent yourself from succumbing to burn out.
Your Functional Divorce Coaching Assignment:
The next time you’re feeling stressed out, pick one of the 3 suggestions above and try it out. After all what have you got to lose besides your stress? I know that if you consistently take the necessary steps to help you deal with the stress of your divorce, you’ll be better able to manage it.
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.
Have A Great Online Dating Experience
Dating after divorce can be confusing. After all, it’s probably been a while since you last dated and things have CHANGED since then.
One of the biggest changes in dating over the last 10-15 years is the number of people who use online dating services. Did you know there are even websites dedicated to letting you know who the top online dating services are? These services are a BIG business and it’s OK to use them. When my clients decide to start dating, most of them use an online dating service or two. Heck I even used one to meet my 2nd (and current) husband.
Online dating, just like any other kind of dating, is terrific IF you’re aware of these three pitfalls.
The first pitfall is lack of safety. I’ve heard stories from both men and women about some positively scary situations they found themselves in when they met a date. Here are some key things you can do to be a bit safer when you date online:
When you’re using an online dating service, be careful of your identity. Don’t use your full name on your profile that’s open to the public.
Ask the other person for their number, don’t freely give yours away. It’s OK to block your number and make your first call(s) anonymously.
For heaven’s sake, DON’T give someone you’ve never met your address to come pick you up. When you’re ready to meet someone, arrange to meet them someplace public. Park someplace where there are lots of others coming and going. It’s also a good idea to let someone know someone know where you are going to be meeting your date and have them call if they haven’t heard from you in a couple of hours.
The second pitfall is looking for a spouse instead of learning to date. One of the most common things I see people do when they’re starting to date again is to focus on finding a spouse instead of focusing on dating. There’s a big difference between the two!
When you focus on finding a spouse, going out becomes a lot more serious, a lot more intense. You might even start to worry about how many dates you go on before you decide if you want to be serious with this person. Sometimes you don’t go out with more than one person at a time because you want to make sure you give the current person the benefit of the doubt.
When you’re focused on dating, the whole thing is a bit more casual. There’s less stress and pressure to impress and more emphasis on figuring out whether or not you’re enjoying yourself. Focusing on dating is a great way to learn what you do and don’t like about others and yourself when you’re around them. This knowledge will allow you to move on when it’s right for you. One important point here is that you need to be up-front with the people you’re dating to let them know where you’re coming from and so they don’t get the wrong idea about your intentions.
The third pitfall is thinking you must respond and/or date everyone who contacts you. You have no responsibility to the people who reach out to you. You don’t have to respond to everyone and you definitely don’t have to go out with all of them either. You deserve to be picky about who you spend your time on and with. Your time and how you spend it is how you create your life, so be picky about whom you spend time with!
I want you to think of dating as cultivating friends and learning about yourself. Most people aren’t ready to get into another serious relationship right after they get divorced. They need some time to rediscover themselves and figure out what they do and don’t like about other people. That means going out with other people to have fun.
Dating is supposed to be fun and using the online services can be a great way to meet some amazing people. Just be sure to avoid the pitfalls!
Your Online Dating Assignment:
Do some research. There really are a lot of sites out there to help you meet people to date. Each site has its own personality. Check out a few and decide which site or sites best fit you.
Be open to learning about yourself. The dating experience should be fun and put you and your date in new situations that will allow you both to learn about yourselves and each other. Successful dating requires that you be ready to learn stuff about yourself without the expectation that you or your date be perfect.
Are you ready to date? OK, this probably should have been the first step of the assignment, but I saved it to last so you’d be sure to see it. There’s no rule about when you’re ready to date, but generally, you want to be through the worst of the emotional part of your divorce. If you’re curious to know where you are on the continuum of being through with the emotional part of your divorce you need to check out the Fisher Divorce Adjustment Scale (FDAS) at http://drkarenfinn.com/work-with-me/how-long-does-it-take-to-recover-from-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. 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 deal with your life now, read more articles about Life After Divorce.
When Will I Stop Hurting So Much?
Loneliness is one of the first most painful emotions to appear when you get divorced. Even if you were lonely in your marriage, it’s just somehow different when you are living alone. (Yes, this is true even if your children are living with you.)
The ways that people express loneliness are unique to each person. You might be like a hermit crab and withdraw into your shell, peering out at the rest of the world with a sad and dejected expression. Or maybe you avoid experiencing loneliness by being with someone, actually anyone either in person, by phone or even via social media, so you don’t have to be alone. Then again, you may experience loneliness by keeping busy – VERY busy – with work, or volunteer efforts, or with your kids and their activities. Or maybe you like the buffet approach and use a little hermit crab and keeping VERY busy with a touch of never allowing yourself to be alone.
What I want you to know is it’s natural to feel lonely when your relationship ends.
At some point you’ll start to realize the pain of loneliness can be an opportunity to rediscover the best of you and heal from the pain of your divorce. And once you reach this point, you’ll be able to move through the worst of the pain of divorce much more quickly and not get stuck in it.
The realization that you’re experiencing the pain of loneliness is usually accompanied with the question “When will I stop hurting so much?“ Every time you ask this question, you’ve got the chance to try some other way of moving past the pain and on to some other emotion. Even if the new emotion is discomfort, I can tell you that it’s LOTS better than being stuck in the pain and misery of loneliness. And every single time you choose to experience a less painful emotion, you’re closer and closer to being able to say “I’ve stopped hurting so much.”
For most of us who have been through divorce, our realization of the cessation of the pain isn’t immediate. It’s a gradual recognition of being able to enjoy things more, a desire to participate more in life again and a genuine willingness to be happy.
I wish I could tell you exactly when your pain of loneliness will stop, but the truth is I can’t and no one else can either. But, I can tell you some of the signs that you’re getting over your loneliness and have started becoming comfortable with alone-ness and being you. Sometimes knowing the indications that the worst is over can be incredibly comforting.
The signs you’re moving forward beyond the painful feelings of loneliness include:
- When you stop hiding out at home
- When you stop trying to find any other relationship to avoid being lonely
- When you stop being connected 24×7 with Facebook, your iPhone, and the virtual realities of computer and online games
- When you are content doing activities by yourself – going to the movies, going out to eat, etc.
- When you stop letting feelings of loneliness control your behavior
- When you start enjoying the new things you’re doing as part of your Functional Divorce
Your Functional Divorce Assignment:
The next time you’re hit with the pain of loneliness, take a moment, recognize that the pain will ease with time and know that you have some signs you can be on the lookout for to know that you’re heading past the worst of it.
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.
Life Is What’s Happening Now
Time is one of those concepts that we all get, but is difficult to define. It’s a marker that allows us to separate past, present, and future.
Why bother discussing time? Because, I agree with Alan Lakein who is credited with saying, “Time = Life, therefore, waste your time and waste your life, or master your time and master your life.”
When we go through divorce, it’s so very, very, very easy to get caught up in either the past or the future instead of being here, now.
We can get caught up in the past by thinking things like, “If only s/he would have told me they weren’t happy, I know we wouldn’t be getting divorced now.” We might even think things like, “I knew before I got married that I shouldn’t marry him/her.” This was one of the thoughts that I had when I was going through my divorce. It was the truth, but it didn’t do any good. The fact was that I had gone ahead and gotten married despite what my gut was telling me. Spending time thinking about a decision I had made YEARS ago wasn’t making the situation any better. It wasn’t helping me to deal with what was going on right then. It was just a way for me to come to terms with the end of my marriage – for a while. What it did in the longer term was it kept me from REALLY understanding what was going on in the present – what was going on with me. A large part of my struggle with divorce came down to the question, “What is it that I need to change or do to reclaim my happiness?” Focusing on the past never helped me completely answer this question. It gave me hints and clues, but never the answer.
On the other hand, we can get caught up in the future by thinking things like, “I don’t know how I’ll be able to make a living”, “I don’t know how I’ll be able to pay child support”, “I’ll never find someone to love me again”, and “I am so afraid of the future”. Focusing on the future with thoughts of fear, lack and struggle makes the process of divorce that much more difficult. Who on earth would want to move forward to a life of fear, lack and struggle?!
I know I sure wouldn’t, and yet, when I was going through my divorce, I had many of these types of thoughts. My thoughts and fears of the future played havoc with me. I would make a decision about how many to move ahead in a positive direction and I would break out in hives. I’d make another decision about how to move forward and I’d have a panic attack. Living in fear of the future was miserable!
Luckily for me, over time, I learned how to live in the present. I learned how to take the past and extract the hints and clues it provided about how I might be happy again. With the hints and clues, I started experimenting with my thoughts and actions to discover what made me happy in the present. I learned how to look with the anticipation toward the future and use the happiness of the present to project what would bring me even more happiness and fulfillment in the future.
I’ll be honest with you, this wasn’t an easy transformation for me, but I did it. Because I did it, I’ve been able to teach my clients how to do it. Because I’ve been able to do it and teach others how to do it, I know YOU can learn to live in the present too. YOU can appreciate and learn from your past. YOU can anticipate your future with happiness all while you are enjoying the present.
The most important thing to remember is that life is what’s happening NOW. Appreciate now. Enjoy now. Live now.
Your Functional Divorce Assignment:
What are you holding on to from your past that is keeping you from completely experiencing the present? You might find this question tricky to answer. It takes a willingness to get really honest with yourself and it might even require you letting go of some blame (either of yourself or someone else). On the other hand, you might be very well aware of what you’re holding on to.
What hints and clues does your past give you about how to experience more happiness now? When were you happy in the past? What were you thinking? What were you doing? How does what you were holding on to point you in the direction of what you might need in the future to be happy?
How are you using fear to keep you from anticipating the future with pleasure? What is it that is keeping you from moving forward with pursuing your future?
What does your ideal future look like? You don’t have to have every detail here or even know exactly how you’ll achieve it. The important thing is to know that your future can be ideal.
How might you use the hints and clues from your past along with an anticipation of the future to make your ‘now’ more enjoyable and fulfilling? If you’ve spent the time to answer the questions above, you’ve got the beginnings of how to make your ‘now’ happier. Remember, there’s no time like the present to start making things even better for yourself!
Appreciate now. Enjoy now. Live now.
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.
Your Thoughts Matter!
We all have hundreds of thousands of thoughts every day. Time to get up. I’m hungry. Who’s calling? Why haven’t they sent that email yet? I have so much to do. Do I look fat? How am I going to solve this problem? Why isn’t my attorney returning my call? If s/he would just reconsider, I know we could work it out. How could I be so stupid? Could this be cancer?
Some of our thoughts are helpful, some are fanciful, some are neutral, and some are just plain hurtful or scary. Every thought we have contributes to how we perceive ourselves, our situation and those around us. They can spur us into action or keep us from taking action. Our thoughts are what make our lives uniquely ours. That’s why two people can experience the same event and come away from it telling two entirely different stories about the event.
Perhaps you’ve heard the story of the bricklayers.
There were three bricklayers working side-by-side. A passerby stops to ask the first bricklayer, “What are you doing?” The first bricklayer rolls his eyes and responds, “Obviously, I’m laying bricks.” Not satisfied with the answer, the passerby stops by the second bricklayer and asks, “What are you doing?” The second bricklayer, without looking up from his work, replies, “I’m working so I can feed my family.” Still not quite satisfied with the answer from the second bricklayer, the passerby stops by the third bricklayer and asks the same question. “What are you doing?” This bricklayer carefully put down his tools, smiled at the passerby and proudly stated, “I’m building a cathedral.”
Each of these bricklayers was occupied by the same task, but how they thought about the task was entirely different. The first bricklayer was just there to do his job. The second bricklayer was there out of sense of obligation. The third bricklayer was there to be part of something bigger than himself. Who do you think is going to have a better day? Who do you think is going to have the longest day?
This simple story illustrates the power our thoughts have over our experiences.
Most people find divorce to be an unpleasant, stressful experience. I know I certainly did. Maybe you do too. The thing is, I find that most of us add to the unpleasantness and stressfulness of divorce without even realizing it! Wouldn’t you like to know if you’re doing this?
Well, the easiest way to tell is by becoming away of your thoughts. Are you expecting things to be miserable? That expectation can set you up to interpret things as miserable even when they just might not be completely terrible. Are you thinking about how hard things are going to be? That thought will keep you focused on how hard things are instead of being flexible enough to see easier ways of doing things.
Once you become aware of your thoughts, you can then decide if and how you want to change them. I’ll be honest with you, this probably won’t be the easiest thing you’ve ever done, but the payoff is worth it! Imagine being free of those nagging thoughts of not being good enough or those thoughts of everything being so hard or those thoughts of being scared of what the future holds. Pretty powerful stuff, huh?
One of the best ways I know of to keep my thoughts focused on the positive is to have a compelling place or future I am working toward. When I was going through my divorce that positive future included being able to make my own decisions about where I wanted to live. By focusing on that, I was able to buy my own home. By focusing on that, I was able to move out of state three different times because it was what I decided to do. Instead of thinking by habit that someone else would make the decisions about where I would live, I chose to focus on my thoughts so they could help me build my cathedral instead of just laying bricks.
Focusing on a positive future is a goal I set with every single one of my clients. You’ll benefit from doing so too. All you have to do to convince yourself of this is ask, “Are my thoughts helping me build my cathedral or are they just habits that are keeping me stuck?”
Your Functional Divorce Assignment:
Pick one area of your life that you’d like to improve. What areas of your life would you really like to be different? Your finances? How your divorce is progressing? How your kids are dealing with the divorce? How you think of yourself? Look at all of them and then choose the one area that would have the greatest impact on your life.
Decide exactly what you’d like to be different and create your compelling place or future with as much detail as possible. Now that you know which one area of your life you’d like to change for the better, imagine exactly what you’d like to be different. Be as detailed as you can. You might want to write a description of what you want to be different or even create a collage or draw a picture. This is your “cathedral”.
Become aware of your thoughts in this area. We all have tons of thoughts every day. We’re so used to them that we hardly notice when we’re thinking them. Amp up the volume on your thoughts about your “cathedral” so you can become more and more aware of all the thoughts you have on a daily basis about it. I bet you’ll be surprised at how often you really do think about it.
Choose to change your thoughts that aren’t helping you to build your “cathedral”. Once you’re aware of your thoughts about your “cathedral”, notice how many are not helping you and choose to change them to something that is helpful. This is one of those things that can be easier said (or written) than done, but with practice, you can definitely do it.
Happy “cathedral” building!
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.
Three Steps To Making Your Divorce Easier
“All the world’s a stage, And all the men and women merely players; They have their exits and their entrances,
And one man in his time plays many parts,
His acts being seven ages.”
-Shakespeare
As You Like It Act 2, scene 7, 139-143
Divorce is one of those times when we notice that people exit from our lives and the roles and responsibilities we shared with them no longer make sense. Many of these roles and responsibilities are ones we probably took for granted when these people were regularly in our lives. But now that they aren’t we just might find ourselves at a loss for how to get these unfilled roles filled.
Unlike a production of one of Shakespeare’s plays, we don’t usually have an understudy that will step up in if the person currently fulfilling a role suddenly isn’t there any more. This is where we need to roll up our sleeves and get to work on the functional divorce.
1. The first step is to identify which roles and responsibilities have been dropped.
To help you get started here are some roles and responsibilities people struggle with when they divorce. Well, they range widely – from the simple to the complex. Here is a partial list of what you might be struggling with:
-Chef/cook -Budgeter/Bill payer -Mom/Dad -Home maintainer -Lover/loved -Primary wage earner -Maid/butler -Laundry/Dry cleaning expert -Grocery Shopper -Investor
We struggle with roles and responsibilities when we get divorced because in a sense we’ve allowed ourselves and our spouses to become type-cast. We get used to how we’ve been living and how we’ve been living with our spouse. When we get separated/divorced, all the roles we’ve become so adept at are suddenly changed. We can feel overwhelmed about how much we’ve now got to do. We might feel a sense of freedom about how much less we have to do or we might have a sense of fear about how much less we have to do. Most likely, we feel a combination of it all.
2. The second step is to prioritize the order in which the unfilled roles need to be filled.
Not everything needs to be done at once. Which is the most critical role that needs to get covered? And after that is taken care of which is next most critical. Go through your entire list and prioritize each and every roll you’ve identified.
3. The third step is to develop your game plan for getting the most urgent roles filled.
Yes, you’ll probably have to work on multiple roles at once. I wish it was easier, but divorce is difficult at times. What I can tell you is that by taking a systematic approach to your functional divorce you will establish your new normal much more quickly. The benefit of that is a decrease in the stress and strain you (and your kids) are experiencing as a result of your divorce.
Taking a good look at the roles and responsibilities you had in your marriage and how they are changing as a result of your separation/divorce is critical to decreasing the stress and strain you experience. By having a good feel for how things are changing and what you can do to make it easier on yourself and your kids will go a long way toward getting you and your kids settled in your new roles. You can think of this experience as a script change and you are the chief writer who is determined to end the story happily.
You Functional Divorce Assignment:
Make your own list of roles and responsibilities that are impacted by your divorce. Use the list above to give you inspiration and come up with all the roles and responsibilities that you are now faced with covering.
Prioritize your list. Yes, there are a lot of things that in flux when you get divorced, but not all of them are top priority. Which are the most immediately important and which can wait for a bit.
Develop a game plan. How will you incorporate your new roles and responsibilities into your life? The important thing here is to make sure your game plan is realistic and achievable.
It’s OK to ask someone for help. Sometimes the parts you realize you now need to or want to play in your life are way different from anything you’ve ever done before. If that’s the case for you, I want to encourage you to ask for help. The right help at the right time can make all the difference in how quickly you can reach the happy ending to your divorce experience.
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.
From Endings To Beginnings
For most people, spring brings to mind sprouting plants, rain showers and new beginnings. And yet, despite the season, most people going through divorce find it hard at times to think of beginning anything new when what was -their marriage- is ending.
It’s so easy to get caught up in all the things that just won’t be any more -growing old together, taking that dreamed of second (or maybe first) honeymoon. It is sad that those things won’t be. And yet, your life will go on. You will be joyful and happy again -even if it doesn’t quite seem like it right now.
What do you say to the idea of starting to think and dream of things to say “hello” to? I hope I heard you say “YES!”
One of the things I know about any relationship and especially marriage is that you make compromises along the way. Maybe your former spouse snores like a freight train and in order to get any kind of sleep at night you’ve worn ear plugs to bed for the last 20 years! Or maybe your former spouse had food allergies and was allergic to garlic. So you haven’t eaten garlic bread or ordered pizza for the last 5 years. (Yes. I do know someone who was in a relationship with someone allergic to garlic. No, it wasn’t me.)
I’m guessing there are certain compromises you’ve made during your marriage -things that you simply won’t have to do anymore. Am I right? Well, these are exactly the things that you can now say “hello” to now.
You Functional Divorce Assignment:
Make a list of compromises you made during your marriage. Put it all down. Did you give up a favorite hobby? Did you change what you ate? Did you change how you spoke?
Decide what you want to invite back into your life. Take a good look at your list. What on the list do you want to start doing again? What on your list do you want to start having again?
Write a “hello” letter. Using that list of things you want to invite back into your life, write a letter to yourself about all the things you’re going to invite back into your life. This is your “hello” or new beginnings letter.
Pick one. Which thing that you’re saying “hello” to are you ready to do or have right now? Make sure it’s something that you’ll enjoy now and feel good about in the long term. Then, just go after it!
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.