Posts Tagged ‘feel calmer’
Part 2: How To Decrease Stress When You’re Going Through Divorce
When I was a little girl and let my dad know that I wasn’t feeling well, he’d ask how I was feeling. If I couldn’t give him anything more than an “I don’t know” he’d pass on some advice he got from his mom. “Go take a shower. You’ll feel better.” And you know what? I did!
Over the years, I’ve learned that a shower is a great start, but I’ve realized that it takes more than that to really feel good about myself and decrease my stress. I’ve shared my philosophy with my clients and they report that they feel more relaxed and better about themselves too.
So you’re probably wondering what exactly my philosophy is… Yes, it does start with following my grandmother’s advice to shower every day, but it goes much further than that.
How you look plays a big part in how you feel! At the risk of sounding like Stacy and Clinton on TLC’s What Not to Wear, taking care of your appearance really does impact how you feel. In addition to helping you feel more confident, you’ll feel calmer too.
You’ll feel best when you’ve got the whole package – clothes that are flattering, fit you well and that you feel great in, a haircut that is flattering and easy for you to style, flattering and current makeup, along with flattering and current facial hair for the guys.
Believe me, it’s worth spending a little time and a little money to update your look when you’re going through divorce. In fact, after my divorce was final, I actually invested in working with an image consultant. She really opened my eyes to the way I was undermining myself with my wardrobe, hairstyle and makeup. It was after I felt confident about how I looked that I was confident and calm enough to begin dating. My clients who have examined and adjusted their appearance after their divorce was final have also had a lot more confidence to date too.
I know that you might have read all of this and thought it seems pretty superficial, but you’ll never know the profound change feeling confident in your appearance can make until you try it. No one I’ve worked with who has made an effort to take care of their appearance has felt it was a waste. Everyone who’s made the effort has felt more calm and confident. I’ll bet you will too!
Your Functional Divorce Assignment:
Take all the clothes that are stained, torn or don’t fit you anymore out of your closet. Removing the things that need to be either thrown out, given away or put in a bag to be worn only when you’re painting will remove the temptation to put them on.
Take all the shoes, belts, bags, and other accessories that are worn out, don’t fit or are out of style out of your closet. If the item has more life in it, give it away. If not, throw it out or stuff it in the bag with your other painting things.
Once you’ve removed the things that aren’t working for you from your closet, you’ll be left with only the things that work for you which (along with that shower my grandma suggested) should leave you feeling calmer and more confident every morning.
In case you missed it, here’s a link to part 1. And here’s a link to part 3.
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.
© 2013 Karen Finn. All rights reserved under all copyright conventions.
Part 1: How To Decrease Stress When You’re Going Through Divorce
As anyone who’s been through divorce knows, it’s an incredibly stressful time. If the only stresses you had to worry about were due to divorce that would be one thing, but the real problem is that the rest of your life doesn’t stop just because you’re getting divorced. All of your usual day-to-day stressors (work, traffic, kids’ schedules, other family demands, and the news) somehow become even larger when you’re dealing with the big D.
In this first of three articles on minimizing stress when you’re dealing with divorce, we’ll be focusing on renewing your energy.
When’s the last time you thought about where your energy comes from? It wouldn’t surprise me if you’d never thought of it before. After all, it’s something that most of us take for granted. We assume we’ll have the energy to get through our day each and every day. We just accept that some days it’s easier to get through the day than others.
The thing is, when you’re going through divorce on top of everything else it can be more difficult than usual to get through your day. When I started consistently having trouble having enough energy to get through my day while I was going through my divorce 10 years ago, I got interested in how I could boost my energy and that led me to wondering where my energy came from.
What I learned was that our energy comes from our psychology and our physiology. Yup, it comes from a combination of how you think and how your body responds (which ultimately means how you treat your body). It’s just as simple and as hard as that.
Luckily, the concept is pretty easy to understand. The more positive and calm your thoughts and the more healthy your body is the better you’ll be able to deal with stress. Unfortunately, the concept can be pretty difficult to implement if you’ve not paid much attention to your thoughts or your general health prior to divorce becoming a reality in your life. To help you out, I’ve got five quick tips that can give you a head start to renewing your energy even in the midst of divorce.
1. Start your day with a positive thought. Lots of people get out of bed dreading the day, but if you can start your day with a positive thought it will go a long way toward lessening the stress you have all day long.
Ten years ago, I was one of those people. I felt like I was on a treadmill of needing to meet one responsibility after another with a few catastrophes thrown in for variety. Learning to wake up with a positive thought (or two) really made a difference for me. It helped me get past the plague of depressive thoughts about being divorced and on to better things.
2. Schedule at least one break for yourself every day where you have ZERO responsibilities and ZERO interruptions. The break can even be as short as 5 minutes. The important thing is that you take it.
Ten years ago, I didn’t know what it was to have a real break. I spent almost every waking moment either working or worrying – neither of which was very helpful to renewing my energy. Learning to take a real break was hard for me, but by constantly trying out different things I realized that by allowing myself to have a time and space where I had zero responsibilities or interruptions that I felt tons better. I had more energy to go back to working (and worrying).
3. End your day with gratitude. Allowing yourself to appreciate the good that happened during the day goes a long way toward allowing you to have restorative sleep at night.
When I was going through my divorce, I used to have terrible nightmares. I’d dream about the worst case scenarios of all the things I had gone to sleep worrying about. As a result of the nightmares, I got very little sleep which just made life that much harder the next day. When I learned to change my thoughts at night from the worry to something more positive, the frequency of my nightmares decreased dramatically and I slept better. Of course when I got better sleep, I felt more energetic the next day.
4. Eat well and regularly. I’m sure you’ve heard the phrase “you are what you eat” before. There’s definitely some truth to that phrase, but when you’re going through divorce it’s even more powerfully truthful. Most people change the way they eat when they’re feeling stressed. They’ll over eat or eat “junk food” to soothe themselves or they’ll “forget” to eat in an attempt to gain some control. Either path leads to decreased energy. They’re either fueling their bodies with junk or not fueling their bodies at all.
I went the control route when I was dealing with the big D. I severely curtailed my eating and tried to live on next to nothing. I became anorexic and let me tell you that starving yourself is not the way to increase your energy! I felt exhausted and anxious most of the time. Luckily, I had a trainer who literally got in my face about being anorexic and got me to start eating healthfully again. It made a HUGE difference in my energy level and my mood. I actually started to feel happy again.
5. Get some exercise daily. When you’re going through divorce, it’s really easy to believe you don’t have time for exercise because there are just so many other things needing your attention. Exercise doesn’t have to mean a trip to the gym or the yoga studio, it can be as simple as taking a walk around the block, playing Frisbee with your kids and dog or even doing 5 jumping jacks. Exercise is anything that gets your body moving in a way you don’t usually do. The wonderful thing is that the novelty of the movement will energize you.
I was a glutton for punishment 10 years ago. I took everything to the extreme and would work out daily. What I learned from that was exercise doesn’t have to be work. It can be fun. The point of getting some exercise daily is just to move your body and change your thoughts. The wonderful thing I discovered about changing my thoughts was that I felt better and more energetic!
These 5 tips for renewing your energy are simple. Hopefully, they’re simple enough that you’re ready to try one or more of them out for yourself. I know you’ll start to notice improved energy levels and less stress once you implement at least one of these tips daily regardless of where you are in your divorce process.
Your Functional Divorce Assignment:
Eating well and regularly is a challenge my clients always face, so Your Functional Divorce Assignment will focus on this tip.
Take the following quiz to get an idea of how you might eat well and regularly.
Select one answer for each question.
1. On average, every day I have ________ servings of caffeine (energy drinks, coffee, sodas, tea).
A. More than 5
B. 2 – 5
C. Less than 2
2. I eat some protein with every meal or snack.
A. Rarely
B. Sometimes
C. Usually
3. I eat _____ meals each day.
A. 0
B. 1
C. 2-3
4. I drink _______ glasses of water each day.
A. 0-2
B. 3-7
C. 8 or more
Ideally, C is the better answer for each of the questions. If you’ve answered A for any of these questions you might want to consider changing things so that you can answer B instead and I’ll bet that you just might feel a bit more energetic when you do.
And here are links to part 2 and part 3.
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 about Life After Divorce.
3 Steps to Spring Clean Your Relationships
One of the tasks on nearly everyone’s to-do list this time of year is spring cleaning. After having our homes closed up for the winter, it’s nice to open up the windows and make our homes spick-and-span. I guess it goes along with spring in general since it’s when nature is new and fresh again.
As I was thinking about my own spring cleaning, I started to wonder about the possibility of spring cleaning our relationships. (Yes, technically I guess this thought process counts as procrastinating, but I’ll leave that discussion, the bucket of cleaning supplies, and the toilet for another time.)
I realized that relationships, just like our homes, need to be refreshed, cleaned up and have all the junk removed from them periodically.
There is plenty of advice on the web for what you need to do to thoroughly spring clean your home, but I’ll bet this will be your first list of what to do to spring clean your relationships!
1. Get rid of the junk – lots of people have relationships in which they can’t be themselves; they’re always acting and pretending to be what the other person wants. These types of relationships are junk because you’re not able to be authentically you and they’re very draining.
Now when I say get rid of the junk relationships, I don’t necessarily mean get rid of the relationship itself. What I mean is that the way the relationship currently exists needs to change. It needs to change in a way that allows you to be completely yourself and allows the other person to be completely themselves too.
2. Air things out – at some time or another, we’ve all chosen to keep quiet and stew over something that’s happened in a relationship. I know it was probably the best answer at the time we made it, but it’s not the best answer in the long term. The reason is that these things can cause resentment and undermine a relationship.
Taking great care of relationships means that it’s important we take the time to clear the air by addressing what needs to be addressed and/or forgiving what needs to be forgiven so we can breathe easier within each of our relationships.
3. Clean all the surfaces – our best relationships are multi-faceted. They support us in all kinds of ways. We share our lives with each other – the joys, sadnesses, fears and triumphs. We give each other room to dream about how we want our lives to be and we help each other accomplish our dreams. We also have fun together – lots of fun!
It’s worth the time to think about each relationship and figure out how each facet within it is working. Are both people feeling supported and sharing the important stuff along with the superficial? When’s the last time you just had some fun together?
Although this list only has 3 items on it, completing these tasks will definitely require some work. But let me assure you that the work is DEFINITELY worth it because, as my husband likes to regularly remind me, no one is an island and we all do better when our relationships are working.
Now that I’ve completed my thoughts on spring cleaning relationships, I guess it’s time to give my attention back to the bucket of cleaning supplies and the toilet.
Your Friendly Coaching Assignment:
Pick out a relationship you’d like to spruce up for spring. Each of our relationships can use a periodic renewal. Pick the one you’d like to focus on improving.
Start with the junk. What are the ways you’re not being 100% you in the relationship you want to spruce up? Are you suspicious that the other person isn’t being 100% themselves? If there is any lack of authenticity within the relationship, you’ll probably want to help each other to be 100% authentic or else decide the relationship is not going to be a deep one.
Open the windows of communication. Once you know the relationship is worth keeping and nurturing, you’ll want to be sure and air out what needs to be aired. Letting go of past grievances either by talking about them and/or by forgiving them will definitely breathe new life into any relationship.
Get out your white glove and check all the surfaces. Since every relationship is multi-faceted, taking some time to make sure every surface of your relationship is working for both of you is vital to growing and improving it.
Repeat as necessary and enjoy the rest of the year with your renewed relationships.
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. And, if you’re ready, you can take the first step toward working with me as your personal coach by scheduling a private consultation.
© 2013 Karen Finn. All rights reserved under all copyright conventions.
Divorce and the Art of Motorcycle Maintenance
As I’ve mentioned before, I do a lot of reading and I’ll often be reading several books at the same time. I’ll pick up whichever one fits my mood when I have a few moments to read.
One of the books I’ve got open these days is The Seven Wonders That Will Change Your Life by Glenn Beck and Keith Ablow, M.D. I found one particular passage interesting because it reminded me about perspective and how my life has changed since I got divorced. The passage is actually a quote from Robert Pirsig’s book Zen and the Art of Motorcycle Maintenance which I read about a year after my divorce was final. Here’s the passage:
The trap consists of a hollowed-out coconut chained to a stake. The coconut has some rice inside which can be grabbed through a small hole. The hole is big enough so that the monkey’s hand can go in, but too small for his fist with rice in it to come out. The monkey reaches in and is suddenly trapped – by nothing more than his own value rigidity. He can’t revalue the rice. He cannot see that freedom without rice is more valuable than capture with it. The villagers are coming to get him and take him away. They’re coming closer…closer!…now!…
There is a fact this monkey should know: if he opens his hand he’s free. But how is he going to discover this fact? Be removing the value rigidity that rates rice above freedom. How is he going to do that? Well, he should somehow try to slow down deliberately and go over ground that he has been over before and see if things he thought were important really were important and, well, stop yanking and just stare at the coconut for a while. Before long he should get a nibble from a little fact wondering if he is interested in it. He should try to understand this fact not so much in terms of his big problem as for its own sake. That problem may not be as big as he thinks it is. That fact may not be as small as he thinks it is either.
When I got divorced, I felt like that trapped monkey – terrified and held captive by my fears about what I thought was important at the time. What I thought was important back then was that my life after divorce needed to work pretty much exactly the same as it had before my divorce – except that I now had an ex-husband. This was the fact whose nibbling I ignored. I ignored the reality that one person cannot be as productive as two people working together. I ignored that it would take me longer to do all of the household chores on my own instead of sharing them with someone else. I ignored the fact that caring for 3 attention-loving pets on my own would be more of a challenge than it was when I was married. I ignored these realities and expected that I could do it all with at least as high a quality as had been done pre-separation and divorce.
I kept ignoring all of these facts about my home life and kept expecting that I could and should do it all as had been done before. I also kept expecting the same high-level of performance from myself at work, at the gym and at play. I expected so much of myself that I virtually eliminated any time for myself – any down time to just relax. I had built a very elaborate trap for myself – one that kept me frazzled and eventually led to burnout.
Today, more than 10 years later, I’m amazed by what an elaborate trap I had created for myself.
The thing is, I’m not the only person who got divorced and created a trap. I regularly meet and work with divorced people who create their own elaborate captivities.
Back then, just like the people I meet and work with today, I simply wasn’t capable of identifying my captivity when I got divorced. I thought it was just how my life was and that somehow I was defective because I couldn’t keep up with everything I thought I had to keep up with. Today I know that wasn’t the case. Today, I know that back then I wanted my rice (all my expectations of myself) and didn’t realize I was selling my freedom to have it.
Like most people dealing with divorce, I’ll bet that you are holding yourself captive unnecessarily too. Check out Your Functional Divorce Assignment to help you identify and loosen the bonds of your trap.
Your Functional Divorce Assignment:
What trap are you in? There are all kinds of traps people create for themselves when they get divorced. Maybe your trap is similar to mine in that you expect your life to be pretty much the same. Maybe your trap is a belief that you’re too old to ever find another significant other. Maybe your trap is a belief that you have no employable skills and no way of getting any. Or maybe your trap is something else all together. It could be big or small, the size doesn’t matter. What does matter is identifying how you are feeling captive.
What are the reasons you believe your trap exists? Come up with every single reason your trap is real no matter how small or how big. You might want to write them down so you can get them out of your head and make sure you’ve got them all covered. Besides, having them all listed in one place will help you with the next step.
For each of the reasons, ask yourself “Is this reason 100% true?” and “What makes this reason true?” I wish I had known how to ask myself these questions when I was recovering from my divorce. What often happens when I compassionately ask my clients both questions is that they’ll start to get a nibble of a fact they had been ignoring. That nibble will often lead to a new idea or a new perspective that allows their trap to be loosened – at least a little bit – which will often entirely change their trap if not eliminate it completely.
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 recovering from your divorce, read more articles about Healing After Divorce.
The 4 Phases Of Divorce Recovery
Divorce is one of the most stressful life changes you can experience. When I went through my divorce, I felt as if I had been tied up, blindfolded and strapped into the front car of a run-away roller coaster. It was terrifying! What made it so bad was that I didn’t know what to expect next and I was always anticipating the worst.
What I’ve learned through my own divorce recovery and helping all my clients over the years is that when you have some knowledge about what to expect, things are less scary. This is like the idea of taking the blindfold off so although you might still feel like you’re tied up and on the roller-coaster ride at least you’ll be able to see what’s coming up next.
So let’s take that blindfold off you once and for all! There are four phases of divorce change that you’ll experience – just like there are four seasons:
- The End/Beginning – Winter
- The Chaotic Redefinition of Life – Spring
- The Settling In – Summer
- Moving On – Fall
The first phase, the end/beginning, is tough – just like winter is. This phase is a progression from the first thought of divorce, to the struggle to make the decision and then finally to making the decision. In this phase it’s common to feel frozen by fear and/or indecision. Once the decision is made, unless both spouses made the decision together, it’s common for the spouse not making the decision to feel frozen by denial and rejection.
In the spring-like phase of divorce, the chaotic redefinition of life, everything seems to change at once. Life can feel tumultuous and like there’s too much happening. It’s hard to keep your bearings and it’s easy to get overwhelmed by everything. This is just like spring when there is a tremendous flurry of activity with the plants emerging and coming back to life along with the scurrying of wildlife to build nests and welcome their young.
In the next phase of divorce, settling in, things slow down and pick up a new rhythm just like we all do in summer. You’ve learned what you needed to learn to get your life on the new track and you’re able to slow down the frenzy of activity of the last phase. There are still a few things that need your attention, but overall you’re feeling pretty good about your life.
The fall-like phase of divorce is when you’re able to move on with your life. You’ve completed all the transition and preparation and now you’re really living your life again. Just like fall was traditionally the time to relax and appreciate all of the hard work that went into the spring and summer.
And just like our weather, there are no firm and fast divisions of the four phases of divorce. There are freak storms in divorce recovery that can make spring and fall feel like winter, but that’s all they are, just storms that you can weather and move on from.
Now with this knowledge of the phases of divorce and how they echo the seasons of the year, I’m hopeful that you’ll feel like you’ve been able to remove the blindfold and know more of what to expect on your divorce roller-coaster ride.
Your Divorce Recovery Assignment:
Which phase of divorce are you in? By recognizing which of the phases of divorce you’re in, you can be better prepared to weather it and know what to expect next.
Feel like you’re in more than one phase? Don’t worry. It’s common to feel like you’re in a couple of phases at the same time. Just like the seasons don’t abruptly change, your divorce recovery won’t abruptly shift from one phase to another.
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.
If you’re looking for more divorce recovery help, read more articles in Dealing With Grief.
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.
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.