Showing posts with label Learn. Show all posts
Showing posts with label Learn. Show all posts
Monday, 25 November 2019
7 Things You Need to Know to Deal With Major Life Changes
In a split second, in a freak accident, I lost much of my sight. The reaction and adaptation to the trauma and my new disability taught me some key lessons about going through a major life change. A set of life lessons that helped me to survive and thrive. And since most of us go through changes in our lives, some drastic, some minor, these lessons are applicable to you.
1. It’s okay to be emotional. It’s natural to have feelings of sadness, to grieve over the loss of something, to feel angry about your situation, or to place blame. You have permission to feel that way, but only for moments. You can have your pity party, but only for a day or two, and then you have to move on. If you spend too much time in that place of anger or pity or blame, you end up not being able to adapt to your change. It keeps you in a place of helplessness. And what you need to be is in a place of hope and of growth.
2. You can give yourself permission to be vulnerable: Some of us like to project an image of being strong and fearless, but sometimes it’s not the truth. The truth is that we’re scared, vulnerable, weak and in need of help. We need to allow ourselves to rely on others. And showing that vulnerability is OK. It may feel like you are exposed, but being completely exposed is not always a bad thing. There is always learning and growth that can come from it. You allow people to really see you and when they can see you, can know your stress or pain, they can help. Vulnerability is just part of who we are as people.
3. You are never alone: Sometimes when we go through major changes we think we are dealing with something no one else can understand or no one else is going through. But there are others that can empathize with you. You’re not alone. Even if you don’t ask people to be around you, family and close friends will come to your side. You’re also never alone because you always have yourself to rely on. And ultimately none of us are separate from the Creator or separate from the universe. So the idea of being alone is a false one.
4. You have to ask for help: Often people don’t know what to say or what to do. After I had my accident, there were people that didn’t call me for several months, and these were people close to me. Some people get stuck because they don’t know what to say or what to do. Sometimes people are natural caregivers. They jump right in to help. But these are the minority. So it is your job to tell people what to say and what to do that will be helpful. What I’ve learned is that I’ve had to ask very specifically for what I need and for even, sometimes, what I need to hear. Being able to clearly articulate what you need gives people a sense of relief. In the end, people really like to be told how they can help you in very specific terms. They need it defined for them so they can feel like they are helping and supporting you. Left on their own to guess this information, they feel helpless. And when they feel helpless they do not act. So empower them and empower yourself by letting them know specifically how they can help.
5. You can adapt to anything. Our ability to adapt is amazing. As I began to adapt to being a person with limited sight, I was continually amazed at how quickly I could figure out how to get around problems and obstacles. Necessity is the mother of invention and you will naturally find ways to solve your problems and do things in new and different ways when you’re presented with challenges. The adaptability and flexibility of our spirits and of our beings is a given. Those who cannot change and adapt have convinced themselves it is not possible. If you trust that you can adapt, then you will. And if you believe that you can change, then you will, no matter what the challenge.
6. You have to have hope for the future: I’ve been given news that there is no hope for a change in my sight and have been through two surgeries that did not improve it. Despite these setbacks, I have to believe that there is hope in the future. A belief I will get my sight back. Having that hope and having the positive perspective is what keeps me moving forward every day. If I gave up that belief it would be like letting go of a rope that pulls me forward. Believing that things can and will be different, and that you will see the light at the end of the tunnel, even if you can’t see like me, is the most important thing in getting through a change process. Knowing that there is an end in sight, knowing there are possibilities, and having hope that things are going to be better. And, ultimately, things are going to work out.
7. You will grow as a person, but you are still the same: Going through a change, especially one that is traumatic, changes you forever. It changes how you see life and deal with things. You’re never going to be the same again and that’s a good thing. Because in the midst of change is a great deal of learning, if you are willing to have vision and perspective. And if you are willing to continually ask yourself the question, “What am I supposed to be learning from this?” “How am I supposed to grow?” “How will I become a better person because of this?” In any change process, you can become stronger, and a better version of you. Just because something changes about you, even something radical, doesn’t change the core of who you are as a person. I, as now a visually impaired person, have my same mission, my same purpose, and my same values. So having something different about you doesn’t make you a different human being. If you are strong and centered and grounded, that is still who you are. Sometimes you have to remind yourself of that.
Source: http://www.huffingtonpost.com/lisabeth-saunders-medlock-phd/seven-things-you-need-to-_b_4129918.html
Monday, 18 November 2019
The 5 Best Ways to Build Resiliency
Why do some people bounce back from adversity and misfortune? Why do others fall apart? Find out which character strengths make all the difference — and how you can develop them yourself.
Victoria Ruvolo was driving home from a niece’s piano recital one wintery evening in 2004 when a large object smashed through her windshield, hitting with such force that it broke every bone in her face. The object turned out to be a frozen turkey. The thrower: a teenage boy named Ryan Cushing, out for a joyride with friends in a stolen car. Ruvolo’s passenger managed to grab the steering wheel, push Ruvolo’s foot off the gas pedal and steer them onto the shoulder. After being rushed to the hospital, Ruvolo remained in an induced coma for two weeks.
When it was safe to operate, the doctors began painstakingly putting Ruvolo back together. The then-44-year-old office manager from Long Island was left with three titanium plates in her left cheek, one plate in her right cheek, and a screen holding her left eye in place. Her family was told that she might have permanent brain damage and was unlikely to be capable of living on her own.
But that wasn’t a prediction Ruvolo was ready to accept. She had survived tragedies before. Two of her brothers died in separate incidents when she was a teenager. At age 35 she miscarried a much-longed-for child. Somehow, she had found the strength to come through those losses, and she was determined that she would make it through this one, too.
With a devastated face, and a questionable future ahead of her, Ruvolo had plenty of good reasons to sink into anger and depression. But she didn’t. Instead, even as she was still undergoing a series of reconstructive surgeries, she told herself, “This moping isn’t going to get me anywhere.” And she turned her focus to learning more about Ryan Cushing, the boy responsible for her ordeal. What could she learn about him that would help her understand the accident?
Ruvolo discovered that Cushing was in the midst of his own turmoil: His father had just left his mother for another woman. He had serious vision problems that left him unable to play sports or drive a car. Months later, when Ruvolo went to the troubled boy’s sentencing, she mystified many by working with the district attorney’s office to encourage a lenient sentence.
“I just couldn’t see how locking him up for 25 years was really going to help him,” says Ruvolo. The judge agreed, and Cushing was sentenced to six months in jail and five years of probation. Ruvolo’s empathy toward Cushing wasn’t the only surprising post-incident event: Contrary to her grim prognosis, she was back at work within eight months, living on her own, and speaking regularly to at-risk youths about ways to improve their lives.
Looking back, Ruvolo realizes she showed similar resiliency after her brothers’ deaths and her miscarriage. But where does this kind of resiliency come from? And why don’t more of us have it? That is a question that has kept researchers busy for decades. Why is it, they’ve wondered, that some people seem to bounce back from traumas with relative ease — even thriving after negative events — while others crack and crumble?
The answers are compelling. In his best-selling book, The Resiliency Advantage (Berrett-Koehler, 2005), the late Al Siebert, PhD, writes that “highly resilient people are flexible, adapt to new circumstances quickly, and thrive in constant change. Most important, they expect to bounce back and feel confident that they will. They have a knack for creating good luck out of circumstances that many others see as bad luck.”
Siebert also notes that resilient people are adept at seeing things from another person’s point of view — just as Ruvolo was able to do with Cushing. When we empathize with others, we feel less alone and less entrenched in pain. As a result, we recover faster.
Psychologists agree that some people seem to be born with more resilience than others. But they also assert that it’s possible for all of us to cultivate more of it. One key is adjusting how we think about adversity.
A long-term study of 99 Harvard men showed that the way people view negative life events (as fixed and unchangeable vs. temporary and subject to influence) predicted their physical health five — and even 35 — years later. But a boost to physical health isn’t this mindset’s only upside. Darcy Smith, PhD, a clinical social worker in Manhattan, explains: “Resilience refers to our capacity to deal with discomfort and adversity, but it’s not just a reactive skill set. The same characteristics that make us resilient are traits that enrich our lives.”
Want to bolster your own inherent resilience? Here, according to top researchers, are the five most powerful ways to go about it.
NO. 1: PUMP UP YOUR POSITIVITY
“In our research program, we found that the daily repertoire of emotions of people who are highly resilient is remarkably different from those who are not,” says Barbara Fredrickson, PhD, the author of Positivity (Crown Archetype, 2009).Resilient people are characterized by an ability to experience both negative and positive emotions even in difficult or painful situations, she says. They mourn losses and endure frustrations, but they also find redeeming potential or value in most challenges.
When not-so-resilient people face difficulties, Fredrickson notes, all of their emotions turn negative. If things are good, they feel good, but if things are bad, they feel horrid.
Resilient people, on the other hand, tend to find some silver lining in even the worst of circumstances. While they certainly see and acknowledge the bad, Fredrickson says, “they’ll find a way to also see the good. They’ll say, ‘Well at least I didn’t havethis other problem.’”
She notes that this is different than succumbing to Pollyanna-ish denial. “The resilient person isn’t papering over the negative emotions, but instead letting them sit side by side with other feelings. So at the same time they’re feeling ‘I’m sad about that,’ they’re also prone to thinking, ‘but I’m grateful about this.’”
But what if this sort of well-balanced emotional response doesn’t come naturally to you? You can change that, says Fredrickson. But it will mean challenging your reflexive thoughts, and your self-talk.
“Thinking patterns trigger emotional patterns,” she explains. “So to change emotional patterns, sometimes what we need to do is curtail our negative thinking and stoke our positive thinking.
“Say you find yourself ruminating on negative thoughts,” she says. “For instance:I’ll never succeed in my career. Ask yourself, ‘What’s the evidence that I’ll never succeed?’ You might say, ‘Well, there’s this history of success and this history of failure.’ How does that add up to never? It’s a matter of getting really literal about the kinds of blanket statements we have in our self-talk.”
Because of built-in survival mechanisms, our brains are naturally wired to pay more attention to negative events than positive ones. But in reality, we experience positive events with much greater frequency. One key to building resiliency, says Fredrickson, lies in noticing and appreciating those positive experiences whenever and wherever they occur.
“What matters most is your positivity ratio,” she says. That ratio is a product of how you characterize the balance of positive and negative experiences in your daily life. Fredrickson’s research suggests that, at minimum, we need a 3-to-1 ratio of positive to negative experiences not just to build resilience, but also to thrive, be optimally productive and enjoy our lives.
“This means that for every heart-wrenching negative emotional experience you endure, you have to experience at least three heartfelt positive emotional experiences that uplift you. Three to one appears to be the tipping point, predicting whether people languish or flourish.
NO 2: LIVE TO LEARN
The more you can leverage challenges as opportunities to grow and evolve, the more resilient you are likely to be. “Pain comes to all of us in life,” says David Sabine, PhD, a clinical psychologist in Wichita Falls, Texas. “What I see resilient people do is immediately look at the problem and say, ‘What’s the solution to that? What is this trying to teach me?’ Looking at pain as an opportunity to learn and problem-solve — and building the confidence and the habit of moving toward the pain instead of running from it — goes a long way in terms of building resiliency.”Nancy Gruskin is an excellent example. In the spring of 2009, her husband, Stuart, was crossing a one-way, Midtown Manhattan street when he was struck by a bicyclist riding the wrong way. Stuart sustained a serious head injury in the accident. Three days later, he died. He was just 50 years old and the father of then-12-year-old twins.
For weeks Gruskin remained in an emotional fog, and understandably so. After a newspaper story was published about her experience, she received a flood of calls, emails and letters from people who’d been in similar, though less severe, situations. Hearing their stories ignited Gruskin to learn more about the issue. Diving into it gave her a sense of purpose and helped transform her pain. Eventually, it even empowered her to affect broad positive change: She partnered with Hunter College and started a foundation bearing her husband’s name that’s dedicated to developing safety awareness for pedestrians in urban areas. As a result of their hard work, New York City Mayor Michael Bloomberg signed a law into effect last February that requires the city to collect and keep data about bicycle-pedestrian accidents.
One strategy for cultivating a learner mindset is to use “question thinking,” a method of problem solving developed by psychotherapist and executive coach Marilee Adams, PhD. Question thinking encourages people to approach challenges and situations with “Learner Questions” — neutral, nonjudgmental questions such as “What is useful here?” or “What are my available choices?” — as opposed to “Judger Questions” like “What’s wrong?” or “Who’s to blame?”
Learner questions are empowering, and they promote more expansive thinking and acceptance. They also improve how you relate to others, and creating meaningful connections with others is yet another essential component of resilience. (For more on question thinking, read “Lines of Inquiry.”)
NO. 3: OPEN YOUR HEART
Being of service to others is a powerful way of stoking resilience. “In studies, researchers found that serotonin [the neurotransmitter associated with feelings of happiness and well-being] is used more efficiently by people who have just engaged in an act of kindness,” says Sabine.Acts of kindness, and the serotonin boosts that accompany them, have a cumulative effect. “Once you’ve added these things to your life in a consistent way, the benefits become exponential, so that in times of difficulty you’ve got this well of resiliency to draw upon,” says Sabine.
Acts of kindness can be formally organized, like regularly volunteering in a soup kitchen. Or, Sabine says, they can be “as simple as getting out there and finding people to smile at or speak an encouraging word to.”
It’s worth noting, though, that receiving and appreciating kindness from others may be just as important as offering it up, because gratitude turns out to be an important part of resiliency, according to clinical social worker Darcy Smith.
When adversity strikes, gratitude for the things that are going right in your life helps put tragedy in perspective. “I often recommend that people start a 30-day gratitude journal,” she says. “Or get a few of your friends together and start a gratitude blog. I did that about a year ago. Every day we each blog about three things we’re grateful for.”
Another strategy for building gratitude comes from Fredrickson. Called “un-adapting,” it involves consciously drawing attention to the positive things in your life that you may have started taking for granted.
“Our emotions typically respond to dramatic changes, but a lot of good things — a roof over your head, the ability to feed your children, a career you enjoy — are stable. As a result, they fade into the background. So what you can do is deliberately draw your attention to them.”
She cites a study in which researchers asked married couples to “un-adapt” by thinking of how they might not have met (if one had decided not to go to the grocery store that day or had turned down the blind date, for example). “Then the researchers compared the couples who imagined not meeting to a group of couples who instead were asked to tell the story of how they did meet,” continues Fredrickson. “Later, when quizzed about their satisfaction in the marriage, the people who thought about how they might not have met reported more satisfaction. Without un-adapting, the couples might have thought, ‘Well of course we met, we were destined to be together,’ which is a recipe for taking each other for granted.”
According to Fredrickson, when you take stock of how things might have beenotherwise, instead of just how they are, you’re using strategic positive thinking to increase gratitude, which then builds resiliency.
NO. 4: TAKE CARE OF YOURSELF
Good health — and a regular routine of healthy habits — are foundational to both mental and emotional resilience.Just prior to the accident that crushed the bones in her face, Ruvolo had lost 60 excess pounds and substantially improved her fitness. “I was in the best physical condition I could possibly be in. I was all muscle,” she says. After she healed, doctors told Ruvolo that her excellent physical condition had certainly played a role in her almost-miraculous recuperation.
Daily habits count: When you’re caught up on sleep, eating well and keeping stress levels low, you’ll be less fragile and less likely to fall into unhealthy patterns following a serious setback or tragedy.
But our physical resilience also depends heavily on our baseline mental and emotional well-being. And one of the best ways to nurture that, says Carol Orsborn, PhD, author of The Art of Resilience: 100 Paths to Wisdom and Strength in an Uncertain World (Three Rivers Press, 1997), is to take regular mental breaks: “It could be something as formal as a regular meditation practice,” she says, “or it could simply be letting yourself daydream.”
Research shows that our brains are surprisingly active in moments when we appear to be doing little. PET and MRI images of the brain “at rest” show that, in fact, there is significant activity in the brain regions associated with decision-making, memories and the processing of emotionally significant events.
When active, this “default network,” uses up to 30 percent more caloric energy than other parts of the brain. Researchers surmise that energy is being used to process all the experiences and information we’ve taken in, and to develop new synaptic connections. In turn, those synaptic networks improve our ability to solve and respond to problems.
Mental breaks and relaxation also help keep stress chemicals at bay, reducing the likelihood of feeling, or becoming, overwhelmed and reactive.
Two other key self-care factors that help nurture resilience: Spending time outdoors and surrounding yourself with people you enjoy.
Research suggests that spending just 20 minutes outside in nice weather leads to “more expansive and open thinking,” writes Fredrickson — a pro-resiliency mindset. Other studies have shown that time in nature helps combat anxiety and depression, improves immunity, and lowers levels of inflammatory chemicals in the body.
A similarly convincing body of research shows that strong social connections increase our resilience in the face of illness. One 2006 study of nearly 3,000 nurses with breast cancer found that those with 10 or more friends were four times more likely to survive the disease than the nurses without close friends.
NO. 5: HANG ON TO HUMOR
There’s a reason that the late Norman Cousins relied on Marx Brothers comedies as a primary treatment for his debilitating illness. It’s the same reason that some version of “gallows humor” and “comic relief” have probably been with us since the beginning of time: Laughing in the face of adversity can be profoundly pain relieving, for both the body and mind.“Playful humor enhances survival for many reasons,” writes resiliency authority Al Siebert in The Survivor Personality (Perigee Books, 2010). For one thing, he notes, “Laughing reduces tension to more moderate levels.” And psychologically, choosing levity can be incredibly empowering. “Playing with a situation makes a person more powerful than sheer determination [does],” Siebert explains. “The person who toys with the situation creates an inner feeling of ‘This is my plaything; I am bigger than it . . . I won’t let it scare me.’”
Ruvolo credits a sense of humor with helping her rebound as well. And she thanks her mother for that: “My mom was big on laughter,” Ruvolo says. “She always said that you have to keep laughing. My mother lost two sons, and yes, she had a few problems, but she always laughed and she always told jokes. I truly believe that helps you to understand and to get through.”
Case in point: Ruvolo speaks once a month to troubled teens in a conflict resolution program. Toward the end of each session, she makes a joke about the frozen turkey that came through her windshield on a winter’s night and nearly killed her. “I tell the kids that now for the rest of my life I have to be known as the Turkey Lady. Thank God it was a turkey, and not a ham, because I would have been known as Miss Piggy.”
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Saturday, 20 April 2019
7 Ways to Rebuild Your Financial Life Post-Divorce
For most people, nothing in their life will be as expensive as their divorce.
Divorce is one of the most life-altering experiences to go through. It not only changes our relationship dynamics, but in most cases, it completely alters our lifestyle.
No matter how hard we've worked to live the life we've dreamed of, more often than not, divorces are financially devastating. Many people lose half or more of everything they've saved over the course of their life. This includes their home, their savings, their retirement, business and other investments.
If that isn't painful enough, divorcing people often see their income wither and their expenses explode. We cannot forget to factor in the outrageous expenses for attorney fees on both sides, with the higher earning partner often having to pay for half or more of the lower earning partner's fees. No doubt about it, divorce is usually bad news financially. Having said this, all is not lost. There is much we can to do improve our financial situation significantly post-divorce.
1. Try not to waste energy panicking.
Obviously, this is much easier said than done. Nonetheless, we must be diligent in making sure every ounce of our available energy is focused toward saving and rebuilding our finances wherever we can.
Worry wastes the valuable time and energy we need, and it keeps our minds too jumbled to find reasonable solutions. As powerless as we may feel, we are never powerless. Where there is the will, and a little creativity, there is a way. After a divorce, we have a multitude of choices to explore, so as bad as things may seem, we will certainly not end up on the streets. We must do all we can to shift our focus onto solutions and away from problems. This mental shift puts us into a proactive mindset, which has the immediate impact of changing our mood to hopeful.
2. Take inventory.
Because divorces are so twisting and confusing, it may be difficult to understand how or what is going to happen with our finances and investments. Remember that knowledge is power. We must do our research and gather the information necessary to know how to rebuild.
It is helpful to create spreadsheets, making a separate sheet for our varying incomes, another for our expenses and another for assets and liabilities. On each sheet enter the type of account, who owns it, what the rate is and the contact information for each institution. As we gain more information through the divorce process, we become clear on where and how things are going to land. This gives us a better idea on the areas where we need to stay conservative, and the areas where we can afford to take some calculated risks to start rebuilding. It's astonishing how empowering it is to have one place to go when we feel stressed and need an overview of our finances. Our spreadsheets provide us exactly that.
3. Balance your budget.
After a divorce it will undoubtedly take some time to adjust to the income/expense story of our new life. This isn't fun, but feeling resentful doesn't bring any less stress and nor does it bring us more freedom.
We must accept what is and work with what we have. If we feel unclear on the average amount we can spend, we should be more conservative and start keeping track until things become clear. This is the most important piece of financial information we have. With it, we'll know if we need to cut back and take on a heavier load at work to increase our income, or if our situation is stable enough where we can live within the means of what we currently have and still rebuild.
If we figure out that our spending exceeds our income, this situation is dire and must change immediately. We are better off knowing this information than pretending it doesn't exist and driving ourselves into an even deeper level of financial ruin.
4. Set up accounts correctly.
Resetting our lives in an organized and simple way can be confusing while we're traversing a divorce. It is important to count on our legal representatives to advise us on how to take over the title of our accounts, and also who the beneficiaries on our accounts should be.
This topic is especially important when it comes to dealing with retirement accounts. We must learn and familiarize ourselves with the rules on this, but we must also be mindful not to act as our own attorney. Good legal advice is key when it comes to the proper vesting and naming our beneficiaries. All these steps are what help to bring us back to a sense of normalcy, security and balance in our life.
5. Organize priorities.
The realities that come with divorce include huge doses of emotional shock and disbelief. When we're divorcing it can feel as if everything is coming at us all at once, which causes us tremendous anxiety. When we are full of anxiety we start thinking in terms of dooms day. This type of thinking is highly dangerous because it leads us into emotional shutdown.
If we determine that we don't have enough money to survive month to month, then first priority will need to be our budget. If need be, we must seek a financial advisor who will help us to save and grow our income. If money isn't our issue, we must turn our focus on increasing our finances, moving and creating our new life.
6. Pick your supports.
Divorce separates our friends and family just as it divides the marriage. It is vital to pick the people who support us unconditionally, and who we know will have our back no matter what.
Part of the pain of divorce is that we not only lose a marriage, but we also lose many of the friends that were made during the course of the marriage. If our ex is talking poorly about us to everyone we love and care for, we must do all we can to stay quiet and not fuel that fire. Those who are true to us will not believe everything they hear, and nor will they put us in a position to have to defend ourselves or our decision- making.
It can also be important to get into some form of therapy, or a divorce support group, especially if we have children who have been placed in the middle. Our community of support is what keeps us resilient.
7. Learn
By taking inventory, balancing our finances, organizing our priorities and establishing our supports, it helps to keep us moving forward even when we feel as if we don't have the energy.
It is hard not to let the stress of a divorce kill our motivation and faith in people. However, the more proactive we are, the more we learn, reflect and take care of ourselves the healthier we are when going through the divorce and the more easily we move on after the divorce. We must put all of our energy into not letting our divorce cause us to lose direction. We must force ourselves to focus on staying on task and moving in a new and positive direction. Our happiness and continued success, at the end of the day, becomes our greatest retribution.
Source: https://www.entrepreneur.com/article/307592
Thursday, 3 January 2019
7 Ways to Rebuild Your Financial Life Post-Divorce
For most people, nothing in their life will be as expensive as their divorce.
Divorce is one of the most life-altering experiences to go through. It not only changes our relationship dynamics, but in most cases, it completely alters our lifestyle.
No matter how hard we've worked to live the life we've dreamed of, more often than not, divorces are financially devastating. Many people lose half or more of everything they've saved over the course of their life. This includes their home, their savings, their retirement, business and other investments.
If that isn't painful enough, divorcing people often see their income wither and their expenses explode. We cannot forget to factor in the outrageous expenses for attorney fees on both sides, with the higher earning partner often having to pay for half or more of the lower earning partner's fees. No doubt about it, divorce is usually bad news financially. Having said this, all is not lost. There is much we can to do improve our financial situation significantly post-divorce.
1. Try not to waste energy panicking.
Obviously, this is much easier said than done. Nonetheless, we must be diligent in making sure every ounce of our available energy is focused toward saving and rebuilding our finances wherever we can.
Worry wastes the valuable time and energy we need, and it keeps our minds too jumbled to find reasonable solutions. As powerless as we may feel, we are never powerless. Where there is the will, and a little creativity, there is a way. After a divorce, we have a multitude of choices to explore, so as bad as things may seem, we will certainly not end up on the streets. We must do all we can to shift our focus onto solutions and away from problems. This mental shift puts us into a proactive mindset, which has the immediate impact of changing our mood to hopeful.
2. Take inventory.
Because divorces are so twisting and confusing, it may be difficult to understand how or what is going to happen with our finances and investments. Remember that knowledge is power. We must do our research and gather the information necessary to know how to rebuild.
It is helpful to create spreadsheets, making a separate sheet for our varying incomes, another for our expenses and another for assets and liabilities. On each sheet enter the type of account, who owns it, what the rate is and the contact information for each institution. As we gain more information through the divorce process, we become clear on where and how things are going to land. This gives us a better idea on the areas where we need to stay conservative, and the areas where we can afford to take some calculated risks to start rebuilding. It's astonishing how empowering it is to have one place to go when we feel stressed and need an overview of our finances. Our spreadsheets provide us exactly that.
3. Balance your budget.
After a divorce it will undoubtedly take some time to adjust to the income/expense story of our new life. This isn't fun, but feeling resentful doesn't bring any less stress and nor does it bring us more freedom.
We must accept what is and work with what we have. If we feel unclear on the average amount we can spend, we should be more conservative and start keeping track until things become clear. This is the most important piece of financial information we have. With it, we'll know if we need to cut back and take on a heavier load at work to increase our income, or if our situation is stable enough where we can live within the means of what we currently have and still rebuild.
If we figure out that our spending exceeds our income, this situation is dire and must change immediately. We are better off knowing this information than pretending it doesn't exist and driving ourselves into an even deeper level of financial ruin.
4. Set up accounts correctly.
Resetting our lives in an organized and simple way can be confusing while we're traversing a divorce. It is important to count on our legal representatives to advise us on how to take over the title of our accounts, and also who the beneficiaries on our accounts should be.
This topic is especially important when it comes to dealing with retirement accounts. We must learn and familiarize ourselves with the rules on this, but we must also be mindful not to act as our own attorney. Good legal advice is key when it comes to the proper vesting and naming our beneficiaries. All these steps are what help to bring us back to a sense of normalcy, security and balance in our life.
5. Organize priorities.
The realities that come with divorce include huge doses of emotional shock and disbelief. When we're divorcing it can feel as if everything is coming at us all at once, which causes us tremendous anxiety. When we are full of anxiety we start thinking in terms of dooms day. This type of thinking is highly dangerous because it leads us into emotional shutdown.
If we determine that we don't have enough money to survive month to month, then first priority will need to be our budget. If need be, we must seek a financial advisor who will help us to save and grow our income. If money isn't our issue, we must turn our focus on increasing our finances, moving and creating our new life.
6. Pick your supports.
Divorce separates our friends and family just as it divides the marriage. It is vital to pick the people who support us unconditionally, and who we know will have our back no matter what.
Part of the pain of divorce is that we not only lose a marriage, but we also lose many of the friends that were made during the course of the marriage. If our ex is talking poorly about us to everyone we love and care for, we must do all we can to stay quiet and not fuel that fire. Those who are true to us will not believe everything they hear, and nor will they put us in a position to have to defend ourselves or our decision- making.
It can also be important to get into some form of therapy, or a divorce support group, especially if we have children who have been placed in the middle. Our community of support is what keeps us resilient.
7. Learn
By taking inventory, balancing our finances, organizing our priorities and establishing our supports, it helps to keep us moving forward even when we feel as if we don't have the energy.
It is hard not to let the stress of a divorce kill our motivation and faith in people. However, the more proactive we are, the more we learn, reflect and take care of ourselves the healthier we are when going through the divorce and the more easily we move on after the divorce. We must put all of our energy into not letting our divorce cause us to lose direction. We must force ourselves to focus on staying on task and moving in a new and positive direction. Our happiness and continued success, at the end of the day, becomes our greatest retribution.
Source: https://www.entrepreneur.com/article/307592
Labels:
Budget,
Divorce,
Finance,
Growth,
Learn,
Money,
Opportunity,
Positivity
Friday, 9 June 2017
Divorcing With Dignity Summit - June 2017 - Have you Registered?
Get registered for FREE on the Divorcing With Dignity Summit, starting June 10th 2017 and hear me and 20 other speakers being interviewed on how to build your ideal life after divorce.
Register at http://bit.ly/DWDthazlewood to claim your free place!
I'll see you in there!
Labels:
Debate,
Dignity,
Discussion,
Divorce,
Divorced,
Education,
Experience,
Expert,
Learn,
Learning,
Summit
Saturday, 18 March 2017
The Divorced Lifestyle Design Philosophy
A little more on the Divorced Lifestyle Design philosophy, why we believe we can help you, and why we want to as well!
How can we help you?
Find more videos like this one over at the Divorced Lifestyle Design YouTube Channel!
Labels:
Assist,
Choice,
Divorce,
Help,
Learn,
Mindset,
Opportunity,
Separation,
Teach,
Thrive
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