Courage And Freedom

For me, my life has been one big life lesson in courage and freedom. Thus it comes as no surprise that helping others find the courage to reach financial freedom has been my career path for the past fifteen years.

As a wealth advisor, I help others have the courage to pursue their dreams and create the financial freedom to live joyful and abundant lives. Does that equate to living a life full of roses—the answer can only be yes if one accepts the thorns alongside the beauty.

The key to embracing our life purpose lies in embracing the challenges along the road to freedom, facing the fears that otherwise hold us back and having the awareness that without a roadmap in hand, financial freedom is but a fleeting dream. It takes real courage to invest one’s money into a volatile market gripped with global economic uncertainty. Throwing caution to the wind is not prudent. But with careful consideration of one’s goals and objectives, flavored with a bias towards risk management, and courage to correct course along the way, financial freedom becomes reality.

We all go through transitions in life—affectionately called “stressors”—-marriage, births, job loss, career changes, major illness, loss of loved ones, divorce, moves, retirement, to name but a few. All transitions share a commonality—they take courage—courage to overcome our fears and courage to embrace the change that results from each event. Financial freedom makes the transitions less stressful. And sometimes the financial freedom comes as a result of the transitions. And yet, financial freedom takes focus, effort, work, determination, and courage.

If you are seeking courage and freedom, then “When the past calls, let it go to voicemail. It has nothing new to say.” With an open mind you can explore, create, and grow, remembering all the while that progress would be impossible if we continue to do things the way we always have. As John Wayne said, “Courage is being scared to death—and saddling up anyway.”

So “saddle up”—find the courage to create a life full of freedom, joy, happiness, and abundance and you will know you are truly living!

This article was contributed by Janet Woods, Wealth Advisor, UBS Financial Services, Inc., 214-373-5918 www.ubs.com/fa/janetlwoods

Your Functional Divorce Assignment:

What are your financial goals? Most people dealing with divorce need to visit this question. Divorce usually changes finances dramatically, yet it doesn’t have to ruin your financial future. Allow yourself the freedom to really assess what your financial goals are.

What do you need to do to achieve your financial goals? This is one of those times when it’s important to know what you need before you can ask for help. Everyone has a unique financial situation when they complete their divorce. Some people need to figure out how to invest a lump sum from a retirement account, some people need to find a job, and some people need to figure out how to rebalance their portfolio. Whatever your unique situation is, spending a bit of time figuring out what your most immediate need is will allow you to know exactly whom you need to request assistance from.

Luckily, I know you know how to ask for help (you wouldn’t have found this newsletter if you didn’t) and so you’ll be able to start on your path to reaching your financial goals by working with the correct professional for you. BUT, if you need an assist in knowing which type of professional to work with, I’m only a phone call or email away.

© 2013 Karen Finn. All rights reserved under all copyright conventions.

How To Slay Your Dragons

When’s the last time you heard someone say, “I feel stuck!”? It probably wasn’t that long ago. Heck, it might have even been you hearing yourself uttering or muttering these words.

When I went through my divorce and the process of rediscovering myself, I felt stuck. Everything in my life was changing, but I felt stuck. I had repetitive thoughts that got in my way. I had beliefs about being less than others and these beliefs often kept me from having, doing and being what I wanted. In short, my divorce derailed the life I was living and I was feeling overwhelmed by all the changes.

What I know now that I didn’t know back then is that all of my feelings of stuckness were just my personal dragons that I needed to slay before I could fully engage in my life again.

So just to be clear about what it feels like to be stuck these are some common things my clients say to describe being stuck:

  • Stressed out
  • Feeling misaligned with what’s going on
  • Experiencing strong unpleasant emotions
  • Needing to get more knowledge about something, but not sure what or how to do it
  • Repetitively trying things that just don’t work
  • Not able or willing to take the actions needed

(Of course there could also be a medical reason for experiencing these feelings of stuckness and those folks need to work with their healthcare provider too!)

Maybe these descriptions of stuckness seem familiar to you. Maybe you’ve seen your own fire-breathing dragons and are tired of being at their mercy. If that’s you, I’ll bet you’re wondering “How do I slay my dragons?”

And that, dear reader, is exactly the question I hoped you would ask.

It turns out that there’s been quite a bit of amazing research done over the past hundred years or so on the human body and discovering that we each have “multiple brains”. If we define a brain as a collection of a large number of ganglia along with sensory and motor neurons, neural cells with inter-neurons, support cells and components such as glial cells and astrocytes. In addition a brain has certain functional attributes such as perceiving, assimilating and processing information, memory and storage access, ability to mediate complex reflexes via an intrinsic nervous system and a storage warehouse of neurotransmitters. With this definition and capabilities, it turns out that we each have at least 3 brains (You can read more about multiple brains in Oka and Soosalu’s book mBraining: Using Your Multiple Brains to do Cool Stuff). Your 3 brains are located in your head, around your heart and in your gut. By understanding how to connect with each of your brains and in a particular order you can slay your known dragons.

Here’s how I suggest you go about slaying your dragons:

  1. Relax. The exact method here isn’t as important as that you just do it.
  2. Step into the logic of the issue to get really clear and specific about what the current situation is and what your desired situation is.
  3. Tune in with your heart. What is your heart telling you about the situation?
  4. What is your head/logic telling you about the information from your heart?
  5. Tune back in with your heart. What adjustments to the thoughts from your head need to be made?
  6. Tune into your gut. What does your gut say about this information?
  7. Ideally, at this point your gut has given you an indication of what actions need to be taken and given you the energy to take them. If not, then take the information from your gut and return to step 3.

As you can see from the steps above slaying your dragons is all about getting clear and energized about taking actions because you’ve been able to think about the situation (dragon) in a different way. I think Einstein said it best – “We cannot solve our problems with the same thinking we used when we created them.”

Solving the challenges and problems that come along with divorce requires you to think and act differently than you have been. Once you can see them from a different perspective, it usually becomes fairly clear about how you can slay your dragons. How do I know? Because I’ve done it myself.

Your Functional Divorce Assignment:

  • Identify a dragon you’re ready to slay. I recommend starting small. What’s one small thing that’s keeping you stuck?
  • Apply the process above. Allow yourself the time to experiment with this process. I think you’ll be amazed at how quickly you’ll be able to get in touch with each of your brains and get moving in the right direction for you.

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 confidential consultation with me.

© 2013 Karen Finn. All rights reserved under all copyright conventions.

How YOUR Anger Affects Your Children During Divorce

Wendy Archer is a parental alienation expert.

It’s only natural to feel some anger when a marriage breaks down to the point of no return. It is understandable to be angry when feeling betrayed by anyone, especially a spouse or ex-spouse. Anger is such a powerful emotion that sometimes it is nearly impossible to keep it to ourselves, even during moments when we know we should. This is not to say that anger should be avoided or hidden. Recognizing and dealing with anger is an important part of healing and moving on from a divorce. There are right times, right places and right ways to acknowledge, express and work through anger towards your ex-spouse…none of which are in front of your children!

Regardless of how angry you are and regardless of how justified your anger might be towards the other parent, burdening your children with your anger towards the other parent is not only unfair to your children but can cause them very serious emotional harm.

Children naturally love both of their parents, regardless of their adult mistakes and regardless of how flawed or imperfect the parents may be. When one parent disparages the other parent to or in front of a child, it is like a knife in that child’s heart. Disparaging the other parent to or in front of a child can present itself in many forms including the following…

  1. Making verbal comments that insult, ridicule, discredit or disrespect the other parent. This includes comments about the other parent’s physical appearance, financial status, employment or any other aspect of that parent’s life.
  2. Physical gestures or body language that implies the other parent is not worthy of respect. This can include gestures such as eye rolling or loud sighs or sarcastic laughs or even a certain tone of voice that implies a negative message regarding the other parent.
  3. Actions of custody interference towards the other parent out of anger or to seek revenge. This includes any behavior that crosses the appropriate boundaries established by separation or divorce. Some examples include obsessive and intrusive questioning about time spent with the other parent, frequent interruptions of time spent with the other parent and refusal to comply with the custody schedule.

In addition to children naturally loving both parents, children also naturally want to please and have approval from both of their parents. Burdening children with your anger towards the other parent places your children in an impossible loyalty bind by making them feel that may must choose to support and endorse your anger. While on the outside your child may seem supportive and in agreement with your hostility, it is a fact that on the inside your angry words and actions against their other parent are breaking your child’s heart. As if children of divorce don’t have enough to deal with, these inappropriate actions towards the other parent known as “alienating behaviors” causes children additional unnecessary stress. Just as a train without brakes picks up momentum, alienating behaviors pick up steam and escalate if the brakes are not put on. Sadly, alienating behaviors gone out of control ultimately lead to lifelong emotional and relationship issues for the children who are unfairly put “in the middle” of parents with unresolved and misdirected anger. Studies show that children put into this situation often suffer from anxiety, depression, substance abuse, self-harm and thoughts of suicide.

To not engage in alienating behaviors, separated or divorced parents must learn how to interact in a healthy way under the circumstances of no longer being in the same household. This is known as co-parenting. We must be realistic that this can be easier said than done at times so it’s important to utilize tools to help us navigate through the anger without making our children casualties of our adult issues.

Fortunately, there are tools and resources available to specifically help in this area. A few tools and resources that can help are as follows…

  1. Counseling or therapy with a licensed professional. Recognize that if you are unable to stop yourself from exposing your children to any alienating behaviors due to your anger, YOU need help! Again, it is understandable to feel anger when a relationship ends especially if you feel betrayed. There is no shame in needing help to deal with and get through such a painful time in your life. Take an honest look at your behaviors and do what you need to do improve your emotional health for the sake of your children.
  2. Co-parenting classes. Due to recent awareness of the damaging effects of alienating behaviors on children, co-parenting classes are readily available. Co-parenting classes can be found through community centers, counseling offices, life coaches and other resources. Classes can be taken in person or online. Obviously, it takes both parents to commit to properly co-parenting. It might be difficult or sometimes impossible to get the other parent to commit to co-parenting. If you are still going through the divorce process, ask your attorney to have co-parenting classes court ordered to be completed by both parents before the divorce is finalized. One example of co-parenting classes can be found at http://www.childreninthemiddle.com/.
  3. Co-parenting communication tools. Establishing and following proper boundaries is the key to co-parenting. To properly co-parent is to “stick to the business of parenting” and to not cross the new boundaries put into place by divorce. A co-parenting communication tool such as Our Family Wizard can be invaluable in this regard. Co-parenting communication tools such as Our Family Wizard provides parents with email accounts, calendars, file sharing and other resources tailored to facilitate proper and respectful co-parenting with appropriate boundaries. Children can also be engaged with the use of email accounts and calendars while utilizing filters that prevent the children from being burdened with the adult communications and decisions. Using co-parenting tools such as Our Family Wizard can alleviate a lot of stress and anxiety when trying to establish and honor the boundaries of proper co-parenting. If you’re still going through the divorce process, ask your attorney to have the use of a co-parenting communication tool court ordered in your final divorce decree. A resource such as Our Family Wizard simplifies co-parenting by giving parents the tools needed to “stick to the business of parenting.” For more information about Our Family Wizard, visit http://www.ourfamilywizard.com/ofw/.

Your children love and want a relationship with the other parent even if you no longer love or want a relationship with the other parent. Not only do your children want a relationship with their other parent, they NEED a relationship with their other parent. It is not about you or about your anger towards the other parent. It is about the health and well-being of your children.

The bottom line is you must put your love for your children above your anger towards their other parent. Putting your love for your children above your anger towards their other parent is the greatest gift you will ever give your children and while you might not believe it today, someday you will see it was also one of the greatest gifts you ever gave yourself.

For more information about co-parenting, alienating behaviors and parental alienation please contact Wendy Archer of Parental Alienation Awareness Organization USA at wendyarcher@rocketmail.com. The North Texas Chapter of Parental Alienation Awareness Organization USA holds monthly meetings on the 2nd Wednesday of every month in Southlake Texas. More information can be found by joining the PAAO USA North Texas Chapter facebook group at https://www.facebook.com/groups/paaonorthtexas/.

Your Functional Divorce Coaching Assignment:

How have you inadvertently let your anger about your divorce affect your children? This is a tough question. No one is a perfect parent regardless of whether or not they’re dealing with divorce. The purpose of this question is to allow you to examine where you might be able to improve your parenting. After all, it’s awareness that is the first part of changing for the better.

 

You might also enjoy reading…

The 8 Keys To Trust In A Post-Divorce Relationship

 

If you’re looking for more help on how to navigate the challenges of your life now, read more articles about Life After Divorce.

A Designer’s Perspective

This week Hugh Scarbrough, ASID, RID, owner and founder of Hugh Scarbrough Interior Design, LLC, is our guest blogger. Hugh realizes design dreams for his clients that reflect their lifestyles, building client relationships for a lifetime. Touting more than ten years in the industry, he seamlessly blends his exprertise, education as a registered interior designer, and retail/worldwide travel experiences that serve his clients well.

To learn more about Hugh and his work, visit www.hughinteriors.com.

Summertime. June has arrived and so have the “lazy, sunny, and hot days” of summer! It is time for picnics, water sports and relaxing vacations. It is also a perfect time to create a new look in your home or summer retreat.

This year colors abound in design for summer. As I walked through the new fabric showrooms recently, I noticed the bright and colorful prints and paint colors: Chartreuse green; magenta pink; sunny yellow; striking blue; powerful red. Truly colors of the season! Seeing these beautiful colors sparked my excitement about the fun it is to incorporate summer colors into a home.

With the beginning of summer and a transition in your life, perhaps this is an excellent time to create a new look for your home, make a fresh start, and build lasting memories. Whether your style is contemporary or traditional, the bright summer colors may be integrated into the design you choose.

You may have a reluctance to create a new look in your home due to painful memories, including items of certain colors. If one or more of the bright summer colors ignite uncomfortable and/or angry feelings, for example, you may want to look at the colors from a different perspective. As it is important to have the “right” balance of color in a room, using those colors differently may create a fun and uplifting environment.

If you seek guidance from a professional interior designer, express the style you would like to create and the challenges you may be having with certain feelings, such as anger or anxiety. Colors have enormous impact on our moods. Red, for example, increases physical energy and vitality; at the same, it may provoke anger. If red is negative for you, focusing on greens, blues, and even yellows may be the wise direction for re-doing the design in your home. The color green supports balance and harmony. Blue denotes calmness and peace. And yellow increases lightness and personal power. A true balance for our homes and our lives.

As you are making plans for the summer, it is the perfect time to take a look at your home or “escape” retreat. Perhaps a new and nurturing design look may just be the answer!

Your Functional Divorce Assignment:

How can you add a bit of summer to your home? I love glass sculpture and I’ve recently added some beautiful aqua vases to my office to make it more summery. You might want to add a throw pillow or a throw to your home to bring the sunshine inside.

© 2013 Karen Finn. All rights reserved under all copyright conventions.

Part 3: How To Decrease Stress When You’re Going Through Divorce

I enjoy watching Project Runway because of the amazing outfits the contestants make. This season there was one designer, Patricia, who was the stereotypical creative genius. Her creativity was AMAZING and her workspace was a total disaster. In fact, the state of her space made others on the show concerned!

Patricia’s workspace and the response others had to it made me laugh with a touch of embarrassment because, like Patricia, when I start working on a project, I’m not neat. I have things strewn all over the place which really wouldn’t be bad except for the fact that I’m on to the next project before I’ve cleaned up the debris from the first one. After a few projects, my office looks like the Tasmanian devil from the Bugs Bunny cartoons has paid a visit. I tell myself that what matters is getting the next project done, but what I’ve FINALLY realized is that the general disaster area that I let my workspace become really impacts not only my ability to work, but how comfortable people (including me) feel coming into my office!

So 3 weeks ago, I had the help of an amazing professional organizer, Ashley Easley of MasterPeace Solutions. She helped me fine-tune what I was doing into a really workable process that easily allows me to be creative with my projects and keep things nicely organized. Now I feel good and energized being in my office. I’ve also noticed that everyone else is less reluctant to enter now too.

And here’s how this all matters to you. Even in the best of times, your environment plays a big part in how you feel. When you’re going through divorce, you’re even more sensitive to your environment.

A lot of the stress of divorce comes from a sense of not being in control of the situations you find yourself in. Having your surroundings unorganized adds to the general sense of chaos and loss of control. So, one way many people find to decrease the stress they feel during divorce is to organize and clean. Then there are others (and, yes, I fell into this category) who just look at the disorganization as being too much to deal with and then don’t do anything.

Just in case you’re like me, I’m going to share with you Ashley’s 5 C’s of Organizing. I know that if I had had these 5 C’s back then, the plan would have given me hope that I could indeed help my stress by organizing my surroundings OR that there were professionals available to help me.

  1. Categorize – Sort like items together. When Ashley was helping me with my office we had a bunch of papers on my desk that needed to be dealt with. She helped me divide everything into piles on the floor of “to be filed”, “recycle”, “shred”, “needs more work”, and “goes in another place”.
  2. Consolidate – Once we had the piles created (or really anytime the piles got too big for me to look at) I shredded what needed to be shredded and deposited the things from the recycle pile into the recycle bin in the garage.
  3. Create – Once we had a handle on what needed to stay in my office and what needed to leave, we were able to figure out where everything needed to go and create space for it.
  4. Contain – What I needed to help me get my office under control was file folders and letter boxes. By creating specific spots to put all the papers that I deal with as part of my work, it’s been TONS easier to find what I need when I need it and to put things away when I’m done with them.
  5. Continue – This is where I was really concerned, would I be able to continue keeping things in their proper places and getting rid of the things I didn’t need any more? Well, I’m not batting 1000 yet, but I’m doing pretty great! You can judge for yourself by taking a look at the before and after photos of my office. (Yes, I took the after photo today.)

You can use this same technique to tackle one area of your home or office that is adding to the chaos of your divorce. It might be a drawer, closet, desk, room or even your attic! Today’s Your Functional Divorce Assignment will help you de-stress your environment.

Your Functional Divorce Assignment:

Pick the one area you want to take control of. I suggest starting small at first. You’ve got a lot going on and being easy on yourself as you go through this process will make it more likely you’ll successfully finish it.

Schedule a block of time where you can focus on gaining control of the area. If you have kids, you might want to choose a weekend when the kids are with their other parent.

Put Ashley’s 5C’s of Organization to work. Having used the 5 C’s with Ashley, I can tell you, it’s pretty easy to follow when you have the discipline to do it and not get caught up in “rediscovering” what you’ve unearthed. I was thankful to have Ashley around to help me focus on completing the job. And, with the focus she provided, we made amazing progress in our time together!

Ask for help if you need it. It’s truly OK to ask for help to keep you focused on gaining control of the area you’ve picked. You might want to call a friend to support you, call your coach to keep you accountable, or hire a professional organizer like Ashley!

Enjoy. Yes, the last step is to enjoy the fruits of your labor and the greater sense of peace from having a little less chaos in your life.

And in case you missed them, here are links to part 1 and part 2.

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 adviceIf 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 adviceIf 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 adviceAnd, 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.

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:

  1. The End/Beginning – Winter
  2. The Chaotic Redefinition of Life – Spring
  3. The Settling In – Summer
  4. 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

Man working on updating documents after his 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.