Posts Tagged ‘stress’
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 2: How To Decrease Stress When You’re Going Through Divorce
When I was a little girl and let my dad know that I wasn’t feeling well, he’d ask how I was feeling. If I couldn’t give him anything more than an “I don’t know” he’d pass on some advice he got from his mom. “Go take a shower. You’ll feel better.” And you know what? I did!
Over the years, I’ve learned that a shower is a great start, but I’ve realized that it takes more than that to really feel good about myself and decrease my stress. I’ve shared my philosophy with my clients and they report that they feel more relaxed and better about themselves too.
So you’re probably wondering what exactly my philosophy is… Yes, it does start with following my grandmother’s advice to shower every day, but it goes much further than that.
How you look plays a big part in how you feel! At the risk of sounding like Stacy and Clinton on TLC’s What Not to Wear, taking care of your appearance really does impact how you feel. In addition to helping you feel more confident, you’ll feel calmer too.
You’ll feel best when you’ve got the whole package – clothes that are flattering, fit you well and that you feel great in, a haircut that is flattering and easy for you to style, flattering and current makeup, along with flattering and current facial hair for the guys.
Believe me, it’s worth spending a little time and a little money to update your look when you’re going through divorce. In fact, after my divorce was final, I actually invested in working with an image consultant. She really opened my eyes to the way I was undermining myself with my wardrobe, hairstyle and makeup. It was after I felt confident about how I looked that I was confident and calm enough to begin dating. My clients who have examined and adjusted their appearance after their divorce was final have also had a lot more confidence to date too.
I know that you might have read all of this and thought it seems pretty superficial, but you’ll never know the profound change feeling confident in your appearance can make until you try it. No one I’ve worked with who has made an effort to take care of their appearance has felt it was a waste. Everyone who’s made the effort has felt more calm and confident. I’ll bet you will too!
Your Functional Divorce Assignment:
Take all the clothes that are stained, torn or don’t fit you anymore out of your closet. Removing the things that need to be either thrown out, given away or put in a bag to be worn only when you’re painting will remove the temptation to put them on.
Take all the shoes, belts, bags, and other accessories that are worn out, don’t fit or are out of style out of your closet. If the item has more life in it, give it away. If not, throw it out or stuff it in the bag with your other painting things.
Once you’ve removed the things that aren’t working for you from your closet, you’ll be left with only the things that work for you which (along with that shower my grandma suggested) should leave you feeling calmer and more confident every morning.
In case you missed it, here’s a link to part 1. And here’s a link to part 3.
I’m Dr. Karen Finn, a divorce coach and advisor helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice. If you’re interested in taking the first step toward working with me, you can schedule an introductory private coaching session.
© 2013 Karen Finn. All rights reserved under all copyright conventions.
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.
8 Documents To Update After Your Divorce
If you don’t update them, you won’t like what happens.
There are just a ton of legal, financial and medical documents you’re expected to keep track of to help protect and provide for you (and your family) in all kinds of different situations. For most of us it is overwhelming to try to understand and manage it all – especially when you’re going through the divorce roller coaster of emotions.
Unfortunately, there are lots of people who don’t bother with updating or changing any document outside of the divorce decree. That’s where the problems start. For example, if you were to forget to update the beneficiary to your IRA, your ex could inherit it.
Because it is so difficult to keep track of all the documents you might have and want to update when you get divorced, here’s a list of some of the more common documents you’ll want to make sure to update when you get divorced. (You’ll also want to review them on a yearly basis too.)
- Retirement Plans (e.g., 401K, IRA, pension plan, etc.)* Retirement plans are monies set aside for an individual’s retirement. When the individual dies, their beneficiary will receive these monies.
- Life Insurance Policy* A life insurance policy can provide for your family after your death and pay for your funeral costs.
- Will & Trust* These documents can identify the persons or entities that will receive your property when you die, for you to appoint a guardian for your minor children, appoint those you wish to manage your estate, and revoke or alter a previous will. Remember to update your beneficiaries to reflect your new marital status. You’ll probably also want to review the guardians and managers of your estate.**
- W-4* This document helps your employer to withhold the correct federal income tax from your pay. With your changed marital status, you might want to adjust your number of dependents to reflect your newly single status.**
- Medical Treatment Authorization and Consent Form* This form is important when your children are not with either a parent or legal guardian. Because your children are probably in different care situations than before your divorce, you might want to make sure whomever is watching your children can help your children get appropriate medical care should they need it.**
- Medical Power of Attorney* This document designates a person whom you trust to make health care decisions on your behalf should you be unable to make those decisions. You’ll probably want to make sure you update who this person is.**
- Directive to Physicians and Family or Surrogates* A directive helps you communicate your wishes about medical treatment if you are no longer to make decisions due to illness or incapacity. Most people have their spouse listed as the person to make these decisions. If this is what you’ve done, you’ll probably want to make sure to update who this person is.**
- HIPPA Authorizations at each of your doctors* The HIPPA allows you to indicate who besides you may have access to your medical information. We usually complete these forms allowing the doctor’s office to leave your healthcare information with our spouse. If you did this, you might want to change this at each of your doctor’s offices.**
* The purposes identified in this list are just casual descriptions. For legal descriptions, you’ll want to contact the appropriate authority.
** The changes to consider are just suggestions. You’ll want to work with the appropriate authority to verify which changes are appropriate for you.
Your Functional Divorce Assignment:
Which of these documents do you have? For each of the documents listed in the table that you’ve already got, take the time to review and update them.
Which of these documents are you missing? For each of the documents you are missing, look at the purpose of the document and see if you want or need to have it. For each document that you want or need, have the appropriate professional create it for you.
Where are your documents? There are some documents that you’ll want to keep handy. You’ll want to make sure that the appropriate family members know where your documents are kept. You’ll probably also want to make copies of the documents for yourself and family members so everyone who might need them has them.
There are other documents, like the HIPPA Authorizations at each of your doctor’s offices, which someone else will keep the originals of so that you’ll just have copies. You’ll want to keep tabs on these as well so you’ll have an easy time updating them next year.
I’m Dr. Karen Finn, a divorce coach and advisor helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice. If you’re interested in taking the first step toward working with me, you can schedule an introductory private coaching session.
If you’re looking for more help on how to navigate the challenges of your life now, read more articles on Life After Divorce.
I’m NOT In 1st Grade Any More. I’m NOT Exactly Married Any More. Why Should I Send A Valentine?
When was the last time you read Elizabeth Barrett Browning’s sonnet “How do I love thee? Let me count the ways…”? I can’t tell you the last time I read it, but when I started thinking about what to write about with Valentine’s Day just around the corner, the first line of this work came to mind. I’ve quoted the entire sonnet for you below.
How do I love thee? Let me count the ways…
By Elizabeth Barrett Browning
How do I love thee? Let me count the ways.
I love the to the depth and breadth and height
My soul can reach, when feeling out of sight
For the ends of Being and Ideal Grace.
I love thee to the level of everyday’s
Most quiet need, by sun and candle-light.
I love thee freely, as men strive for Right;
I love thee purely, as they turn from Praise.
I love thee with a passion put to use
In my old griefs, and with my childhood’s faith.
I love thee with a love I seemed to lose
With my lost saints, — I love thee with the breath,
Smiles, tears, of all my life! — and, if God choose,
I shall but love thee better after death.
It’s an amazing read, isn’t it? And for many people dealing with divorce, it’s a painful read too.
So often we marry with the belief that our love is the ideal kind that Elizabeth Barrett Browning writes about. And divorce “proves” to us that our marriage must not have been based on love at all – at least that’s the conclusion I jumped to when I got divorced. It’s also a conclusion I’ve heard many of my clients jump to as well.
What I’ve learned over the years since my divorce is that my marriage was based on love to begin with, but that my marriage didn’t continue to grow in love and that’s why it ended in divorce.
Most people do marry for love. Odds are you and your former spouse did too.
So then why is reading this sonnet so painful to so many people going through divorce? I believe it’s because we forget what love is and assume that because we’re divorced or divorcing that we must not know what it is.
I believe that love is something that extends beyond the romantic type that is most often associated with Valentine’s Day. We’re surrounded by love every day. If instead of getting caught up in the chaos and confusion of divorce along with the daily grind of making a living and meeting our responsibilities we could focus for just a few minutes on the beauty all around we would experience love. Or maybe you can focus on yourself for just a few minutes, be gentle with yourself and allow yourself to breathe slowly and deeply, you’ll experience love. Or maybe seeing the joy in your child’s face when they see you will remind you of the love you’re blessed with despite divorce.
I think that the key to experiencing love (I’m not talking about the romantic kind here) is being able to freely give it. But you know, I can get so caught up in daily living that I often forget to express the love I have for my friends and family. I know I’m not the only one who forgets. I know that sometimes it can be difficult to express love when you’re struggling with the repercussions of divorce, but I also know it’s vital to making it through divorce and moving on with your life. That’s why believe you can use this Valentine’s Day as a gentle reminder that we each have the opportunity to tell the people (and animals) we love how much we truly do love them. And the best part is that you’ll usually hear how much you’re loved in return.
Who will you say “I love you” to this Valentine’s Day?
Your Friendly Coaching Assignment:
Seriously, who is on your list of needing to get a Valentine from you? Yeah, it’s different than when we were in first grade and gave one to everyone in our class. It’s also different from when you were married and knew who you had to get a Valentine for. These days, you get to make your own list of those folks you love.
A Valentine isn’t necessarily a card. A Valentine can be a quick email saying “hi, I’m thinking about you”, a call, a text, a bouquet of roses, a conversation, a hug, a special event or, yes, even a card. It’s not so important how you tell someone you love them as it is that you simply tell them.
Have fun. I sure hope you have fun letting your friends and family know you love them. To me, that’s the beauty of Valentine’s Day – a whole day set aside to let others know you enjoy your relationship with them.
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.
© 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.
Have A Great Online Dating Experience
Dating after divorce can be confusing. After all, it’s probably been a while since you last dated and things have CHANGED since then.
One of the biggest changes in dating over the last 10-15 years is the number of people who use online dating services. Did you know there are even websites dedicated to letting you know who the top online dating services are? These services are a BIG business and it’s OK to use them. When my clients decide to start dating, most of them use an online dating service or two. Heck I even used one to meet my 2nd (and current) husband.
Online dating, just like any other kind of dating, is terrific IF you’re aware of these three pitfalls.
The first pitfall is lack of safety. I’ve heard stories from both men and women about some positively scary situations they found themselves in when they met a date. Here are some key things you can do to be a bit safer when you date online:
When you’re using an online dating service, be careful of your identity. Don’t use your full name on your profile that’s open to the public.
Ask the other person for their number, don’t freely give yours away. It’s OK to block your number and make your first call(s) anonymously.
For heaven’s sake, DON’T give someone you’ve never met your address to come pick you up. When you’re ready to meet someone, arrange to meet them someplace public. Park someplace where there are lots of others coming and going. It’s also a good idea to let someone know someone know where you are going to be meeting your date and have them call if they haven’t heard from you in a couple of hours.
The second pitfall is looking for a spouse instead of learning to date. One of the most common things I see people do when they’re starting to date again is to focus on finding a spouse instead of focusing on dating. There’s a big difference between the two!
When you focus on finding a spouse, going out becomes a lot more serious, a lot more intense. You might even start to worry about how many dates you go on before you decide if you want to be serious with this person. Sometimes you don’t go out with more than one person at a time because you want to make sure you give the current person the benefit of the doubt.
When you’re focused on dating, the whole thing is a bit more casual. There’s less stress and pressure to impress and more emphasis on figuring out whether or not you’re enjoying yourself. Focusing on dating is a great way to learn what you do and don’t like about others and yourself when you’re around them. This knowledge will allow you to move on when it’s right for you. One important point here is that you need to be up-front with the people you’re dating to let them know where you’re coming from and so they don’t get the wrong idea about your intentions.
The third pitfall is thinking you must respond and/or date everyone who contacts you. You have no responsibility to the people who reach out to you. You don’t have to respond to everyone and you definitely don’t have to go out with all of them either. You deserve to be picky about who you spend your time on and with. Your time and how you spend it is how you create your life, so be picky about whom you spend time with!
I want you to think of dating as cultivating friends and learning about yourself. Most people aren’t ready to get into another serious relationship right after they get divorced. They need some time to rediscover themselves and figure out what they do and don’t like about other people. That means going out with other people to have fun.
Dating is supposed to be fun and using the online services can be a great way to meet some amazing people. Just be sure to avoid the pitfalls!
Your Online Dating Assignment:
Do some research. There really are a lot of sites out there to help you meet people to date. Each site has its own personality. Check out a few and decide which site or sites best fit you.
Be open to learning about yourself. The dating experience should be fun and put you and your date in new situations that will allow you both to learn about yourselves and each other. Successful dating requires that you be ready to learn stuff about yourself without the expectation that you or your date be perfect.
Are you ready to date? OK, this probably should have been the first step of the assignment, but I saved it to last so you’d be sure to see it. There’s no rule about when you’re ready to date, but generally, you want to be through the worst of the emotional part of your divorce. If you’re curious to know where you are on the continuum of being through with the emotional part of your divorce you need to check out the Fisher Divorce Adjustment Scale (FDAS) at http://drkarenfinn.com/work-with-me/how-long-does-it-take-to-recover-from-divorce
I’m Dr. Karen Finn, a divorce coach and advisor helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice. If you’re interested in taking the first step toward working with me, you can schedule an introductory private coaching session.
If you’re looking for more help on how to deal with your life now, read more articles about Life After Divorce.
21 Tips For Surviving The Holidays
The holiday season is typically a time for celebration with friends and family. Yet, when you’re divorcing, the holiday season can feel anything but merry. To help you enjoy this holiday season instead of dreading it, here are 21 tips you can use today.
1. Be patient
Even in the best of times, the holidays are usually a bit hectic. However, when you’re celebrating the holidays for the first time on your own, they can feel more than hectic. They can feel overwhelming! You’ve got so much going on emotionally with the divorce that the added tasks, events and scheduling of the holidays can all be just a bit too much. Be patient with yourself and your kids as you navigate the holidays. This is new and different for everyone and a little patience will go a long way toward making your first holidays post-separation/divorce enjoyable.
2. Be flexible
The holidays are about celebrating with family and friends and don’t HAVE to occur on only one specific day. I find that people with children who are celebrating the holidays for the first time as a single parent often get tied up in the idea that holidays can only happen on the official day marked on the calendar. For example, it’s not unusual for them to think that Thanksgiving Day can ONLY happen on the fourth Thursday of November. However, with a bit of advanced planning (See hint 16.), you may decide that Thanksgiving will actually happen the Saturday before the fourth Thursday of November so you can celebrate it with your kids. Having Thanksgiving early even has the added benefit of allowing you to avoid the crowd buying their last-minute turkey and fixings on the Saturday before the fourth Thursday of November.
3. Focus on others
Another way to enjoy the holiday season is to focus on those less fortunate than you. Consider volunteering at a soup kitchen or at a center that provides holiday “shopping” for needy families. I can guarantee that when you focus on providing joy for those less fortunate than you, an amazing thing happens; you forget about your troubles and appreciate what you do have even more.
4. It’s not about the stuff!
Gift giving is often a big part of the holiday season and with separation and divorce, the funds available for gift giving are usually less. However, gifts don’t need to be purchased to be appreciated. Sometimes the gift of time and attention means more than any store-bought gift ever could.
5. Let happiness happen
For a lot of people going through divorce, it can seem strange to experience any emotion other than some form of upset. Divorce is an upsetting event that can be almost all consuming. However, if you start to feel happy as a result of the holiday events, ENJOY the feeling! You deserve to be happy.
6. Reach out to family and friends
Almost everyone I know wishes someone could read their mind and offer help when it’s needed. On the other hand, I don’t know anyone who can read minds with any real reliability. The message here is if you need a little extra help to get your holidays merrier, be sure and ask for it. Don’t wait for someone to guess what you need.
7. Make new family traditions
With divorce so many things change. Some of these changes are not so comfortable, but some of these changes are good and might even be fun. What new family tradition can you introduce this holiday season to keep things fun?
8. Nix the guilt
So many divorced parents feel guilty about how the kids’ holidays will be different. The thing is different doesn’t mean bad or wrong. Different is just different. If you nix the guilt and embrace the new way your holidays will be, then your kids will enjoy the holidays too.
9. Work with your ex in a cooperative manner for kids sake
One of the things I always tell my clients is that their divorce is between them and their former spouse. The holidays can be a wonderful experience for the kids provided that’s the shared goal you and your former spouse have for them.
10. Continue your traditions, but simplify them
You may have holiday traditions that are important to you, but they just are not possible now that you’re divorced. What can you do to tweak these traditions so that you can still have them?
For example, maybe you had a holiday tradition of going skiing. If that kind of a trip isn’t possible this year, you may choose to do something else that captures the essence of the traditional ski trip. You may decide to play ski jumping on the Wii, have a marshmallow fight instead of a snowball fight and drink hot chocolate afterwards. Let your creativity flow and I know you’ll be able to create a modified tradition this year that you’ll still enjoy.
11. Don’t spend the holidays alone
It can be tempting to crawl into a cave and hibernate during our first holidays alone – especially if your ex has the kids. However, I urge you to resist the temptation. There’s no reason to punish yourself, for that’s what hiding in a cave during the holidays is. I’m not saying that you don’t need time alone. You absolutely do. I’m just suggesting that instead of spending all of the holiday season alone, make an effort to go out and spend some time with others. I promise that you’ll get a different perspective of your first holidays alone if you open yourself up to even a little fun celebrating the holidays with others.
12. Take care of your health
The funny thing about the holiday season is that it coincides with the cold and flu season. This, along with the stress that usually accompanies divorce, makes you a bit more susceptible to catching a bug. So, take good care of yourself by getting plenty of rest, exercise and good nutrition.
13. Give yourself a gift
This being the first holiday season post separation/divorce, you probably won’t be receiving a gift from your ex. The thing is, you probably won’t be buying them a gift either. Since your gift giving list has decreased by at least one, why not add yourself to your list? Go ahead and buy yourself something that you’ll truly enjoy this holiday season. (You may also want to make sure it’s not something that you’ll regret purchasing in the New Year when the payments for it start.)
14. Count your blessings
It’s easy to get caught up in what’s different this holiday season – in the negative sense. Flip that upside down and count what’s different AND positive this holiday season.
15. Lean on your faith
Whatever your beliefs are, you just might be able to find solace in your faith when you’re not feeling the “Ho Ho Ho!” in the holidays.
16. Plan ahead
The most important thing to have when you want something to happen at a certain time is a plan. Wanting to have happy holidays requires a plan too. Plan ahead to make it more likely you’ll have a happy holiday season.
17. Cultivate gratitude
Developing an attitude of gratitude does wonders for the way you view the world. This was one of the most important skills I developed when I got divorced. It helped me to be more positive and proactive about changing the things that needed to be changed not just at the holidays, but year-round.
What are you thankful for this holiday season?
18. What do you love most about holiday season?
People like the cooler weather, giving and receiving gifts, decorations. Whatever it is that you love most about the holiday season, figure out a way to get more of it. Once you do that, you’ll definitely have happier holidays.
19. What activities put you in a holiday mood?
When I ask clients this question I hear answers like shopping, parties, decorating, watching football, Christmas lights, and caroling. The next question I ask them is “How can you do more of these and get even more enjoyment out of the holiday season?” What are you answers to these two questions?
20. Be realistic
Your life is in the midst of a major change. For most people, separation and divorce brings increased responsibilities along with decreased financial means and free-time. Be sure and factor these facts in this holiday season. If you do, I’ll bet you’ll find it easier to be realistic with the expectations you have of yourself, your family and the holidays this year.
21. One holiday at a time
The holiday season can easily be a blur of activities that pretty much start as soon as the jack-o-lantern is off the front porch on the morning of November 1st. Prevent the blur by focusing on just one holiday at a time. Avoid multi-tasking and the potential for overwhelm by taking the holidays just as they come, one… at… a… time.
Your Functional Divorce Assignment:
Choose one of the tips to implement immediately. Sometimes seeing a long list of tips can cause us to start to gloss over them. I know these tips work, so take a moment now and choose one of them that you can implement right now and then do it!
Choose a tip that addresses your biggest concern about the holidays and put it to use. It’s pretty normal for the tip that can be most helpful to not necessarily be the easiest to implement. If that’s the case for you, take a moment now and select the tip that would address your biggest concern. And, when you’re ready, take a deep breath and figure out how you can implement that tip to help you enjoy your holidays just a bit more.
Come back to the tips frequently throughout the holiday season. Just because you’ve tried a tip out once doesn’t mean that you’re done with it. Keep these tips handy and visit them throughout the holidays anytime you could use a little bit of help. And, of course, if you’d like to schedule a Complimentary Consultation with me to discuss your particular situation, just send me an email or give me a call.
I’m Dr. Karen Finn, a divorce coach and advisor helping people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice. If you’re interested in taking the first step toward working with me, you can schedule an introductory private coaching session.
© 2012 Karen Finn. All rights reserved under all copyright conventions.
Three Steps To Making Your Divorce Easier
“All the world’s a stage, And all the men and women merely players; They have their exits and their entrances,
And one man in his time plays many parts,
His acts being seven ages.”
-Shakespeare
As You Like It Act 2, scene 7, 139-143
Divorce is one of those times when we notice that people exit from our lives and the roles and responsibilities we shared with them no longer make sense. Many of these roles and responsibilities are ones we probably took for granted when these people were regularly in our lives. But now that they aren’t we just might find ourselves at a loss for how to get these unfilled roles filled.
Unlike a production of one of Shakespeare’s plays, we don’t usually have an understudy that will step up in if the person currently fulfilling a role suddenly isn’t there any more. This is where we need to roll up our sleeves and get to work on the functional divorce.
1. The first step is to identify which roles and responsibilities have been dropped.
To help you get started here are some roles and responsibilities people struggle with when they divorce. Well, they range widely – from the simple to the complex. Here is a partial list of what you might be struggling with:
-Chef/cook -Budgeter/Bill payer -Mom/Dad -Home maintainer -Lover/loved -Primary wage earner -Maid/butler -Laundry/Dry cleaning expert -Grocery Shopper -Investor
We struggle with roles and responsibilities when we get divorced because in a sense we’ve allowed ourselves and our spouses to become type-cast. We get used to how we’ve been living and how we’ve been living with our spouse. When we get separated/divorced, all the roles we’ve become so adept at are suddenly changed. We can feel overwhelmed about how much we’ve now got to do. We might feel a sense of freedom about how much less we have to do or we might have a sense of fear about how much less we have to do. Most likely, we feel a combination of it all.
2. The second step is to prioritize the order in which the unfilled roles need to be filled.
Not everything needs to be done at once. Which is the most critical role that needs to get covered? And after that is taken care of which is next most critical. Go through your entire list and prioritize each and every roll you’ve identified.
3. The third step is to develop your game plan for getting the most urgent roles filled.
Yes, you’ll probably have to work on multiple roles at once. I wish it was easier, but divorce is difficult at times. What I can tell you is that by taking a systematic approach to your functional divorce you will establish your new normal much more quickly. The benefit of that is a decrease in the stress and strain you (and your kids) are experiencing as a result of your divorce.
Taking a good look at the roles and responsibilities you had in your marriage and how they are changing as a result of your separation/divorce is critical to decreasing the stress and strain you experience. By having a good feel for how things are changing and what you can do to make it easier on yourself and your kids will go a long way toward getting you and your kids settled in your new roles. You can think of this experience as a script change and you are the chief writer who is determined to end the story happily.
You Functional Divorce Assignment:
Make your own list of roles and responsibilities that are impacted by your divorce. Use the list above to give you inspiration and come up with all the roles and responsibilities that you are now faced with covering.
Prioritize your list. Yes, there are a lot of things that in flux when you get divorced, but not all of them are top priority. Which are the most immediately important and which can wait for a bit.
Develop a game plan. How will you incorporate your new roles and responsibilities into your life? The important thing here is to make sure your game plan is realistic and achievable.
It’s OK to ask someone for help. Sometimes the parts you realize you now need to or want to play in your life are way different from anything you’ve ever done before. If that’s the case for you, I want to encourage you to ask for help. The right help at the right time can make all the difference in how quickly you can reach the happy ending to your divorce experience.
I’m Dr. Karen Finn, a divorce and personal life coach. I help people just like you who are dealing with the stress and pain of divorce. You can join my newsletter list for free weekly advice.