Posts Tagged ‘divorce’
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.
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.
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.
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.
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.
If you’re looking for more help recovering from your divorce, read more articles about Healing After Divorce.
Watch For Tax Angles In A Divorce Agreement
This week’s post is by Wendy Knutson, CPA.
If you’re getting a divorce, you’ll have to work through a variety of financial issues governed by prevailing state law. But don’t overlook the federal income tax implications. Advance planning can be critical in the following areas:
Alimony vs. child support. Generally, payments designated as alimony in a divorce decree are deductible by the payer and taxable to the recipient. But the opposite is true for child support; the payments can’t be deducted by the payer and are tax-free to the recipient. Make sure that the decree accurately reflects your intentions.
Filing status. If you divorce before year-end, you must file your 2012 federal income tax return as an unmarried individual. Depending on your situation, you may fare better or worse as an unmarried filer. For instance, joint filers could be hurt by the “marriage penalty” if the income of the spouses are relatively equal. In that case, it may be advantageous to finalize the divorce before year-end.
Dependency exemptions. Generally, the parent who has custody of young children for most of the year is the one entitled to dependency exemptions for the children. However, a noncustodial parent may claim the exemptions if the custodial parent signs a formal waiver.
Division of property. Property transferred incident to a divorce is tax-free to the recipient. The recipient’s basis and holding period are the same as they were for the ex-spouse. If you receive property in a divorce and then sell it, you must report the realized gain or loss on your tax return.
Other special tax rules may apply to the sale of a principal residence, IRA and retirement plan benefits, and life insurance policies. In summary: Seek expert tax guidance throughout the divorce proceedings to protect your financial welfare.
Your Functional Divorce Assignment:
If you’ve got questions about taxes, give a CPA a call.
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.
21 Tips For Surviving The Holidays
The holiday season is typically a time for celebration with friends and family. Yet, when you’re divorcing, the holiday season can feel anything but merry. To help you enjoy this holiday season instead of dreading it, here are 21 tips you can use today.
1. Be patient
Even in the best of times, the holidays are usually a bit hectic. However, when you’re celebrating the holidays for the first time on your own, they can feel more than hectic. They can feel overwhelming! You’ve got so much going on emotionally with the divorce that the added tasks, events and scheduling of the holidays can all be just a bit too much. Be patient with yourself and your kids as you navigate the holidays. This is new and different for everyone and a little patience will go a long way toward making your first holidays post-separation/divorce enjoyable.
2. Be flexible
The holidays are about celebrating with family and friends and don’t HAVE to occur on only one specific day. I find that people with children who are celebrating the holidays for the first time as a single parent often get tied up in the idea that holidays can only happen on the official day marked on the calendar. For example, it’s not unusual for them to think that Thanksgiving Day can ONLY happen on the fourth Thursday of November. However, with a bit of advanced planning (See hint 16.), you may decide that Thanksgiving will actually happen the Saturday before the fourth Thursday of November so you can celebrate it with your kids. Having Thanksgiving early even has the added benefit of allowing you to avoid the crowd buying their last-minute turkey and fixings on the Saturday before the fourth Thursday of November.
3. Focus on others
Another way to enjoy the holiday season is to focus on those less fortunate than you. Consider volunteering at a soup kitchen or at a center that provides holiday “shopping” for needy families. I can guarantee that when you focus on providing joy for those less fortunate than you, an amazing thing happens; you forget about your troubles and appreciate what you do have even more.
4. It’s not about the stuff!
Gift giving is often a big part of the holiday season and with separation and divorce, the funds available for gift giving are usually less. However, gifts don’t need to be purchased to be appreciated. Sometimes the gift of time and attention means more than any store-bought gift ever could.
5. Let happiness happen
For a lot of people going through divorce, it can seem strange to experience any emotion other than some form of upset. Divorce is an upsetting event that can be almost all consuming. However, if you start to feel happy as a result of the holiday events, ENJOY the feeling! You deserve to be happy.
6. Reach out to family and friends
Almost everyone I know wishes someone could read their mind and offer help when it’s needed. On the other hand, I don’t know anyone who can read minds with any real reliability. The message here is if you need a little extra help to get your holidays merrier, be sure and ask for it. Don’t wait for someone to guess what you need.
7. Make new family traditions
With divorce so many things change. Some of these changes are not so comfortable, but some of these changes are good and might even be fun. What new family tradition can you introduce this holiday season to keep things fun?
8. Nix the guilt
So many divorced parents feel guilty about how the kids’ holidays will be different. The thing is different doesn’t mean bad or wrong. Different is just different. If you nix the guilt and embrace the new way your holidays will be, then your kids will enjoy the holidays too.
9. Work with your ex in a cooperative manner for kids sake
One of the things I always tell my clients is that their divorce is between them and their former spouse. The holidays can be a wonderful experience for the kids provided that’s the shared goal you and your former spouse have for them.
10. Continue your traditions, but simplify them
You may have holiday traditions that are important to you, but they just are not possible now that you’re divorced. What can you do to tweak these traditions so that you can still have them?
For example, maybe you had a holiday tradition of going skiing. If that kind of a trip isn’t possible this year, you may choose to do something else that captures the essence of the traditional ski trip. You may decide to play ski jumping on the Wii, have a marshmallow fight instead of a snowball fight and drink hot chocolate afterwards. Let your creativity flow and I know you’ll be able to create a modified tradition this year that you’ll still enjoy.
11. Don’t spend the holidays alone
It can be tempting to crawl into a cave and hibernate during our first holidays alone – especially if your ex has the kids. However, I urge you to resist the temptation. There’s no reason to punish yourself, for that’s what hiding in a cave during the holidays is. I’m not saying that you don’t need time alone. You absolutely do. I’m just suggesting that instead of spending all of the holiday season alone, make an effort to go out and spend some time with others. I promise that you’ll get a different perspective of your first holidays alone if you open yourself up to even a little fun celebrating the holidays with others.
12. Take care of your health
The funny thing about the holiday season is that it coincides with the cold and flu season. This, along with the stress that usually accompanies divorce, makes you a bit more susceptible to catching a bug. So, take good care of yourself by getting plenty of rest, exercise and good nutrition.
13. Give yourself a gift
This being the first holiday season post separation/divorce, you probably won’t be receiving a gift from your ex. The thing is, you probably won’t be buying them a gift either. Since your gift giving list has decreased by at least one, why not add yourself to your list? Go ahead and buy yourself something that you’ll truly enjoy this holiday season. (You may also want to make sure it’s not something that you’ll regret purchasing in the New Year when the payments for it start.)
14. Count your blessings
It’s easy to get caught up in what’s different this holiday season – in the negative sense. Flip that upside down and count what’s different AND positive this holiday season.
15. Lean on your faith
Whatever your beliefs are, you just might be able to find solace in your faith when you’re not feeling the “Ho Ho Ho!” in the holidays.
16. Plan ahead
The most important thing to have when you want something to happen at a certain time is a plan. Wanting to have happy holidays requires a plan too. Plan ahead to make it more likely you’ll have a happy holiday season.
17. Cultivate gratitude
Developing an attitude of gratitude does wonders for the way you view the world. This was one of the most important skills I developed when I got divorced. It helped me to be more positive and proactive about changing the things that needed to be changed not just at the holidays, but year-round.
What are you thankful for this holiday season?
18. What do you love most about holiday season?
People like the cooler weather, giving and receiving gifts, decorations. Whatever it is that you love most about the holiday season, figure out a way to get more of it. Once you do that, you’ll definitely have happier holidays.
19. What activities put you in a holiday mood?
When I ask clients this question I hear answers like shopping, parties, decorating, watching football, Christmas lights, and caroling. The next question I ask them is “How can you do more of these and get even more enjoyment out of the holiday season?” What are you answers to these two questions?
20. Be realistic
Your life is in the midst of a major change. For most people, separation and divorce brings increased responsibilities along with decreased financial means and free-time. Be sure and factor these facts in this holiday season. If you do, I’ll bet you’ll find it easier to be realistic with the expectations you have of yourself, your family and the holidays this year.
21. One holiday at a time
The holiday season can easily be a blur of activities that pretty much start as soon as the jack-o-lantern is off the front porch on the morning of November 1st. Prevent the blur by focusing on just one holiday at a time. Avoid multi-tasking and the potential for overwhelm by taking the holidays just as they come, one… at… a… time.
Your Functional Divorce Assignment:
Choose one of the tips to implement immediately. Sometimes seeing a long list of tips can cause us to start to gloss over them. I know these tips work, so take a moment now and choose one of them that you can implement right now and then do it!
Choose a tip that addresses your biggest concern about the holidays and put it to use. It’s pretty normal for the tip that can be most helpful to not necessarily be the easiest to implement. If that’s the case for you, take a moment now and select the tip that would address your biggest concern. And, when you’re ready, take a deep breath and figure out how you can implement that tip to help you enjoy your holidays just a bit more.
Come back to the tips frequently throughout the holiday season. Just because you’ve tried a tip out once doesn’t mean that you’re done with it. Keep these tips handy and visit them throughout the holidays anytime you could use a little bit of help. And, of course, if you’d like to schedule a Complimentary Consultation with me to discuss your particular situation, just send me an email or give me a call.
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.
© 2012 Karen Finn. All rights reserved under all copyright conventions.