Posts Tagged ‘overwhelm’
3 Tips for Dealing with Divorce
Overwhelm is common in divorce. Use these 3 ideas to beat it as you’re dealing with divorce.
Do you ever feel all tangled up on the inside and didn’t know which direction to turn?
Or maybe you feel that you’re stuck in quicksand and it’s taking all your effort to just make it through each day?
Or worse, you feel 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 too. It’s easy to become overwhelmed when you’re dealing with divorce. 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 as you’re dealing with divorce. 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 much less get on to dealing with my divorce in any real way. 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, stop feeling overwhelmed and really begin dealing with divorce in a way that allows you to move on.
2. Take care of you first.
For those of us who have a tendency to get burned out, when we feel stressed about 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. It’s only when you have the energy that you can begin dealing with divorce in a productive way.
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 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 and begin dealing with your divorce in the most productive manner possible.
Your Dealing With Divorce 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 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.
If you’re looking for more help recovering from your divorce, read more articles about Healing After Divorce.
Love, Patience, And Always Hope
More than 350,000 family abductions occur in the U.S. each year, nearly 1,000 per day. 1,000 children abducted by a parent, a relative every day! On November 2, 1987, I lost my two children to such an abduction by their father. Monica was almost six years old; David was one and half. I had never known or heard of anyone who had had a child abducted either by a family member or non-family individual(s). I did not know where to turn or what to do. What I fervently did know was I would find and be with my children no matter the obstacles. Above all, I vowed I would never give up hope.
During the almost thirteen years it took for me to locate and reunite with Monica and David, my journey had many twists, turns, and often heartbreaking dead-ends. For a long time, I was unable to look at or touch my children’s toys and clothes that had been left behind. I would drive by the school where Monica had attended kindergarten and I would start to cry. A child in a stroller would remind me of David.
There were numerous calls to and conversations with local, state, and Federal law enforcement, and attorneys both in the U.S. and Mexico. There were repeated futile attempts to find organizations that would help. There were disreputable private investigators who claimed they would find and bring Monica and David home if I just paid inordinate amounts of money. Ultimately, I connected with The National Center for Missing and Exploited Children (NCMEC). This organization understood and I knew they would undertake the steps needed to find my children.
As the years went by searching for my children, I made important professional and personal decisions. I knew that I had to take care of myself both physically and emotionally in order to be a strong person and parent when I reunited with Monica and David. I sought and obtained my accreditation in public relations and started a firm, which continues today. In conjunction, I found immense value in therapy, which allowed me to grow and obtain a sense of self. Along the way, I met a man, Earl, who is now my husband. He has been my rock and support through all the “ups and downs” in the journey.
Through the relentless efforts of several at NCMEC, Monica and David were found in Toluca, northwest of Mexico City. I will never forget April 4, 1999, when I received the incredible news!
Except it was not a fairy-tale reunion. Monica and David were strangers. My children had been told I was dead, and as I was still alive, why had I waited all these years to come for them? Both stated that we would never be friends and, definitely not family. My journey in searching for my children was not over. It had actually just begun. And, I was determined, more than ever, to remain hopeful and patient that one day I would have a relationship with my children.
Nine years after we reunited, on February 4, 2008, my birthday, David called me. “Happy Birthday, Mom, I love you!” I was speechless.
The following year, Mother’s Day 2009, Monica sent me a card.
“Happy Mother’s Day, Mom! Love, Your Favorite Daughter!”
Today, Monica calls me Favorite Mom and she is Favorite Daughter.
And David calls Earl “Dad” and signs all of his cards, emails, and texts to each and both of us, Love, Son.
My journey continues.
P.S. – Susan Morrow’s book chronicling her search, reunion, and rebuilding the relationships with her children is due to launch fall 2013.
Susan Morrow MissingKidsLogois a crisis management specialist and helps organizations in the areas of internal planning, communications with media, community, and industry audiences, and counseling during actual crisis situations. She uses her immense talents as a consultant at the National Center for Missing and Exploited Children. In this role, Ms. Morrow’s nationwide team of 20 volunteers supports families whose children have been abducted by one parent or a family member to locations here and abroad. She and her team have helped over 2,000 families in the last seven years. Ms. Morrow also counsels families experiencing long-term abductions and provides post-reunification support.
Your Functional Divorce Assignment:
As you’re progressing through your divorce, how have you been able to use love, patience and hope to get through your toughest spots? I hope that you’re not in Susan’s situation of having your children abducted, but I know that you have had some tough times. These are the times I’m asking you to think about how you’ve had a chance to use love, patience and always hope to make it through them.
How might you rely more on love, patience and hope to support yourself as you use your divorce as the starting point for you to live the BEST of your life? Although it might not seem like your divorce could actually be the beginning of the BEST of your life, with a bit of determination and creativity it can be. If you’d like some support in figuring it out, just let me know. I’ll be happy to help.
If you’re looking for more help on how to navigate the challenges of your life now, read more articles on Life After Divorce.
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.
- 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”.
- 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.
- 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.
- 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.
- 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 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.
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.
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.
Step 1 For Finding Me-Time In Your Busy Day: Set Timer For 5 Minutes
Isn’t it easy to get caught up in everything that’s going on and demanding our attention? There’s work, our family and friends, our community activities, our health, chores, TV and the internet. PLUS the divorce! It’s all clamoring for attention RIGHT NOW! Wouldn’t it be great to be able to stop the world for a moment and regroup?
Well, stopping the world for just a moment is EXACTLY what I believe you should get in the habit of doing every day. Sounds like a dream, right? OK, so no one can truly stop the world, but you can certainly stop participating in everything for just a few minutes every day. My recommendation is that you take at least 5 minutes every day for “me time”.
The benefits of regular me-time are amazing! They include a reduction in stress, the ability to think more clearly, seeing the “big picture”, and increased energy.
Here’s what you’ll need to be able to stop the world and get your own “me time”: a timer, a comfortable place to sit, and an agreement with everyone else that you are not to be disturbed for 5 minutes.
Step 1: set timer for 5 minutes. Yes, seriously! Set the timer so you can relax knowing you won’t lose track of time.
Step 2: Get comfortable where you’re sitting and close your eyes. Grab a pillow. Curl your legs up underneath you. Pull a blanket over you so you feel cozy. Do whatever you need to do to feel comfortable.
Step 3: Take a deep breath in, hold it for a second and then s-l-o-w-l-y exhale. Notice that while you are exhaling, your shoulders loosen up a bit. Keeping your eyes closed; continue your deep breathing until the timer sounds.
Step 4: Slowly open your eyes, when the timer sounds. Wiggle your fingers and toes. Let yourself re-orient to your surroundings and enjoy how relaxed you’re feeling. Now, go ahead and turn off the timer and let the world start up again.
Your Friendly Coaching Assignment:
Schedule 5 minutes of me-time in the next 24 hours. I find that most people are so used to doing what they believe has to be done for everyone else, that it can be hard to find even 5 minutes to take care of themselves. That’s why this step is so important. Decide when you have 5 minutes that you can dedicate to taking care of you and schedule it into your day.
Keep your appointment with yourself. In order for you to get the benefits of your me-time, you’ve actually got to do it. So, once you get the time scheduled, take the 5 minutes to recharge. I bet you’ll be happy you did!
Do it! The more consistently you give yourself the gift of me-time the easier you’ll find it is to handle all the twists and turns and demands for attention that pop up in your life.
If you’d like more do-able ideas for creating more me-time in your life, 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 more me-time.
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.
The Rust Of Life And Divorce
Last week, one of my dear friends sent me a message. He sends messages just about every day to his friends to inspire and comfort. Jon’s one of those guys with a really big heart who knows how to make sure his friends really feel how much he cares for them.
This one message he sent to me last week really got me to thinking. It read, “…doubt is the rust of life. Doubt holds you landlocked in paralysis unable to move either way. The time you spent doubting is the time you are not alive. So, rid yourself of the doubt, take that step one way or another, your heart knows what is best, but take it right now.”
What an incredible message! It was like Jon had looked right at me and told me exactly what I needed to hear and what I knew I needed to share with you.
Doubt is one of the major immobilizing emotions of divorce. Uncertainty comes in all kinds of different shapes and sizes during divorce. There’s doubt about whether or not the decision to divorce is the right one, there’s doubt about how to best help the kids understand the divorce, there’s doubt about what life will be like during and after the legal proceedings and fees along with all kinds of other self-doubts.
The doubts that come with divorce are usually an indication of fear and a need to reconcile your previous way of life or doing things with the way things are or even could be in the future. It’s normal to have doubts and fears when your life changes dramatically. However, they can also become debilitating and that’s definitely something to avoid.
Instead, doubts are best used as a way to become aware that there’s something deeper to be explored and brought out to the light. One of the quickest ways I know to allow yourself to bring that something deeper up to the surface is through a thoughtful relaxation exercise. I’ll share the exercise with you in Your Functional Divorce Assignment.
Your Functional Divorce Assignment:
Sit in a comfortable chair with your feet flat on the ground. Take a deep breath in. As you exhale, start to imagine all the stress and strain from your body draining out. Draining from the top of your head, down through you neck, your torso, your legs and out through the bottom of your feet deep, deep into the ground.
Continue breathing deeply. Every time you exhale imagine more of the stress and strain in your body draining out through the bottoms of your feet deep, deep into the ground.
Enjoy the sensation of your body beginning to relax. Your neck and shoulders are loosening up. You’re sitting deeper into the chair and your entire body is relaxed as the stress and strain continue to drain out of your body.
When you’re feeling calm and relaxed, gently ask yourself about your doubt and what decision you need to make. As you remain relaxed, an answer to your question will emerge. It may or may not be the answer you were expecting, but you will have an answer that you can move forward with to dispel your doubt.
I know doing this technique on your own can be a bit challenging. So, if you’re serious about wanting to dispel your doubt and would like some help, let me know. You can reach me by email at karen@drkarenfinn.com and by phone at 817-993-0561.
I’m Dr. Karen Finn, a divorce and personal life coach helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice or schedule a private consultation with me.