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tightropeBeing a single parent demands so much of a person’s time and energy that taking care of longer-term financial concerns often take a back seat. So many single parents face financial restrictions that make it seem they are constantly on a financial tightrope. Getting off that tightrope and onto solid financial ground should be a priority for every single parent. Finding solid financial ground starts with determining your financial goals and monthly cash flow. Determine your financial goals  The first step on the path to a more secure financial future is to determine your financial goals. Your financial goals should include short-term, medium-term and long-term goals. Short-term goals may be to reduce spending and not rely on credit cards to make it to the next paycheck. Medium-term goals could be paying off your credit card(s) and creating an emergency fund. Long-term goals may be saving for your children’s college expenses and retirement. Figure out your cash flow  All of your financial goals require one thing – saving money. To do so, you need to figure out how much you spend and then create a budget that incorporates saving. Tracking your spending can be pretty easy these days with online account aggregators like Mint.com. To better understand your spending habits when using credit cards, you may need to go old school and save the receipts to review your purchases.  This is particularly helpful if much of your shopping happens at Walmart, Target or Costco, where your shopping cart could include groceries, video games and clothes. One way or another, figure out how much of your spending is essential and how much is unnecessary spur of the moment buys. Create a budget that accurately matches your essential spending and replaces most of your unnecessary spending with savings. Be mindful of not only what you buy, but also how you buy it. Using high interest credit cards are an impediment to meeting your financial goals. Paying off high interest credit cards is a financial goal that improves the odds of meeting your other financial goals. Save the tax-free way  Tax-deferred investment accounts such as Investment Retirement Accounts (IRAs) for retirement and college-funding accounts, such as 529 accounts, are a good way to meet those long-term goals. These accounts often can be opened with a couple hundred dollars. Setting up automatic monthly contributions from your bank account to these accounts can be done for amounts as low as $25. Both types of accounts grow without being taxed until the money is withdrawn. For 529 accounts, there will be no taxes if the withdrawals are spent on qualifying college expenses. Figuring out your budget shouldn’t be a chore done after the kids are in bed. It should be a family project. Developing good financial habits that lead to meeting financial goals is an essential skill that all parents should share with their children.
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483830182-loudspeaker-gettyimagesThe Four Agreements is a best-selling book by Don Miguel Ruiz that articulates principles people can choose to follow to stay out of conflict with others.  These principles are extremely relevant and helpful for parents going through a divorce or break up.  I have written in the past about the Second and Third Agreements (The Second: I will not personalize anything the other person says, does, thinks or believes; and the Third: I will make no assumptions).  This blog focuses on the First Agreement:  I will be impeccable with my word.  The First Agreement agreement is the foundation of trustworthy and effective co-parenting communication. To be impeccable means to be truthful.  It means to speak with the intention of being respectful rather than negative, critical or hostile.  It means to avoid spreading gossip, innuendo and half-truths.   It is a commitment to not use words as weapons to attack and try to hurt another person.  It means to only promise what you fully intend to follow through on. At first glance, the First Agreement seems like the easiest, especially since most of us are wired to generally see ourselves as the “good guys”.  We are always truthful, and all our co-workers find us reliable and respectful.  When we’re not impeccable with our word, we are justified, right?  We were provoked by the truly bad behavior of the other parent.  We were just trying to defend ourselves from their endless snark.  We were “just joking, for crying out loud.”  We were finally standing up for ourselves, and isn’t that our right? I get that our amygdalas have loud voices when another person has struck a nerve.  But there are three filters to apply to non-impeccable words:  do they help if my goal is to co-parent effectively?  Do I feel like a better person for having said them?  And most importantly:  Could my giving vent, being hostile, being judgmental, smearing my co-parent or lying to my co-parent ultimately hurt my child?  Too often the answer to the last question is yes, it can and it will. Bill Eddy is a lawyer and social worker who co-founded the High Conflict Institute, LLC.  Bill has been reaching out to family law courts and divorce professionals to equip them with tools to help parents follow the First Agreement during and after a divorce or break up, though he does not use the language of the Four Agreements in his work.   One of these tools I often recommend to my clients is the BIFF (Brief, Informative, Friendly and Firm) email protocol.  BIFF emails can work wonders to shift acrimonious exchanges to those that are businesslike and productive.  For more information and more ideas about how to become an impeccable communicator go to www.newways4families.com.
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482143431-thought-bubbles-above-frustrated-couple-gettyimagesIn an election year, we are exposed to an abundance of rhetoric.  As candidates debate and advertise to convince people to vote for them, I listen for words reflecting respect, dignity, the ability to listen deeply and the capacity to work effectively with those who may hold different beliefs. High conflict resulting in governmental gridlock puts people at risk, especially those who are most vulnerable. Yet listening to potential leaders, I hear repeated versions of  “I will never compromise.” Though this may be intended to project strength and resolution, does it not also sound rigid and contentious? What human values does this type of rhetoric represent? How expensive in time, money and emotional resources does endless gridlock become for the people depending on resolution? Divorcing parents are faced with the necessity to make many decisions affecting the future of their family. Their children are the most vulnerable family members, counting on their parents to work things out. What happens to children when their parents disagree and then refuse to compromise? When parents become rigid and disrespectful of each other, how does the ensuing gridlock impact their children? How expensive in time, money and emotional resources does this process become? Collaborative Practice is a method of alternative dispute resolution incorporating the values of respect, honesty and fairness. From the beginning of the process, clients are supported by their attorneys and by neutral professionals on their team to engage in interest-based negotiation to ensure both parents’ true concerns are heard, rather than positional negotiation that can easily lead to heightened conflict and expensive gridlock. For more information about how Collaborative Practice might work for your family, please check out the website of the Collaborative Law Institute of Minnesota.
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133791230-tin-can-communication-gettyimagesListening to the voice of the child is increasingly becoming a mainstream concept in family law.  This is a welcome development, as careful attunement to children’s perspectives and needs can guide resolutions and parenting plans that are truly in the best interests of children. Having worked with children of all ages for many years,  I am aware that the language of children has its own rhythm and cadence.  Children do not always use words to express their inmost feelings and concerns.  Very young children express themselves through play and behaviors rather than spoken language.  When distressed, young children may temporarily regress to earlier behaviors.  This is a normal process, but may need professional guidance to resolve if it becomes persistent, especially when accompanied by patterns of anxiety or angry outbursts. At the opposite end of the developmental spectrum, one of my favorite essays about teenagers is entitled “Please Hear What I am Not Saying.”  Children, especially adolescents, often have difficulty expressing their feelings directly. To fully understand their child’s experience, parents need to be observant of patterns of behavior that may indicate feelings the child is unable or unwilling to express directly.  Asking a child, “What’s wrong?” or “Why are you acting that way?” may not yield much information.  Another approach is to express empathy and the offer of support, “It looks like something is bothering you.  I’m here if you want to talk about it.”  If a problematic behavior pattern persists for more than a few weeks, it might be the right time to consult with a child or adolescent therapist to get neutral, professional help in decoding the problem and helping your child find healthy ways to cope. Consulting with a neutral child specialist during the divorce process can enhance your understanding of your child’s perspective and feelings.  Collaborative Team Practice is designed to provide a sounding board for all family members during a difficult time of transition.
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Most couples have rather specific roles in their marriage. After all, a marriage/family is like a team and everyone needs to do their part for the household to run smoothly. It’s not uncommon for Dad to fill a more traditional role as breadwinner, snow remover, and yard maintainer, and for Mom (even if she works outside the home as the secondary or even primary breadwinner) to fill the traditional role as cook, grocery shopper, and child nurturer.  Sometimes roles overlap and sometimes a complete role reversal occurs. When a couple divorces, however, the roles the pair had as Husband/Dad and Wife/Mom often become magnified, and each spouse feels like the other is tromping on his or her territory. Not only that, but often neither partner feels appreciated for the work they did do in the family. Unfortunately, not feeling appreciated often manifests itself as a position in the divorce. For example: Mom feels unappreciated for all the nights she stayed up with sick kids and feels like she should have sole physical custody; Dad feels unappreciated for all the nights he put in working long hours and feels he should get all the retirement. The point is, both parents worked hard in different ways to make the family run as smoothly as possible. With an impending divorce, each spouse will have to give up some of the control of their original role, and take on additional tasks in a new role. It’s not so bad, though. Shoveling snow burns calories, and who doesn’t want that? As for cleaning baby bottles – who knew swirling bubbles around can be a great stress reliever?
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486417833-hope-they-work-it-out-gettyimagesHere are five suggestions for how divorcing parents can provide support to their children in the new year: 1.  Keep expectations realistic.  Children go through a grieving process just as their parents do when the marriage ends.  Their energy and focus may be impacted, and this can affect their performance in school, sports or the arts.  If this happens, be gentle with your child, who will be even more unhappy if s/he feels like a failure in a parent’s eyes. 2.  Remind your child regularly that s/he is cherished.  Children do best when they experience unconditional love and support from parents.  This includes being curious and interested in your child’s ideas, stories and day-to-day experiences. 3.  Find time to do something enjoyable with your child.  If you are fortunate enough to have the time and energy to go on a date with your child to do something mutually enjoyable this can be a great bonding experience.  However, kids my love the opportunity to play a board or video game with a parent, or make popcorn or brownies together before watching a movie at home. 4.  Maintain routines.  Most children, just like most adults, depend on routines to keep a sense of stability in their lives.  Keep routines for mealtimes, bedtimes, homework time, doing chores, etc. as predictable as possible. 5.  Be authentic.  Children rely on parents to be trustworthy.  There may be days when it is difficult to not be sad, or when patience is in short supply because of the stress of the divorce.  It’s okay to be real with your children about your feelings as long as you keep them out of the middle of any conflict with your co-parent, and as long as you are very careful to not imply that a child is responsible for making a parent feel better.  “I’m pretty sad today, so I don’t have a lot of energy.  But I know feelings don’t last forever, and I’ll feel better soon.”
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492577072-christmas-gettyimagesThanksgiving, Christmas, and all of the holiday season seen through the eyes of a child is a magical time. After all, we hear that “it’s the most wonderful time of the year,” from a very young age. It’s as we age that we begin to realize just how hard the holidays are for so many people. The losses people have suffered, both throughout that year and during their lifetime, divorce, cancer and other major illness diagnoses in their family and friends lives, job losses, miscarriages, and so many defining moments that seem to come to a head during the six week winter holiday season. Holidays are centering moments in our lives, full of memories – the Thanksgiving where the turkey was inedible, the year the kids opened all of the Christmas presents before you and your ex woke up, Grandma Irene’s prized pumpkin pie – all memories that for better or for worse make the holidays an especially easy time to feel an absence. The absence of a loved one, a marriage, the family you once had, or maybe the family you imagined, you get the idea. Additionally, the stress of the holiday season is only made worse when you are grieving these losses. Something small may trigger your heartache like a Christmas card addressed to both you and your ex-spouse, or perhaps being the only singleton at the Thanksgiving dinner table. It’s all too easy to feel like we are all alone in holiday sadness, after all, look at all those smiling faces on the Christmas cards and on social media posts. It’s important to remember that those are just that – snapshots, and not reality. Behind many of those smiling faces also lie someone that is grieving in one way or another. It’s not easy to navigate the holiday season, but use gatherings of friends and family to serve as reminders that you are not alone. Allow for these occasions to provide an opportunity to take a break from the grief you are feeling from your divorce. It may offer you hope that holidays after divorce are bearable, and, maybe not today, but will one day even be enjoyable.
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Late night browsing on HBO recently brought me to a refreshing and wonderfully honest documentary on kids of divorce. The 30-minute film focuses on children who have recently gone through divorce – it asks them questions and captures their honest and candid responses.  So much wonderful information can be gleaned form children. They offer unique perspectives on the realities they face. Even more refreshingly, they offer unique insights and rules for their parents. As always, children can guide parents through these tough transitions and help them move forward in ways that really matter to kids. Indeed, these little minds are often more grounded and reflective in their views than their parents. Some of the many words of wisdom from this documentary, are:
  • Keep reminding me this isn’t my fault – I need to hear it over and over again.
  • Be honest with me – talk to me honestly. I can handle it or I will le tyou know if I can’t.
  • Don’t put me in the middle, but remember I am important.
  • Don’t have me spy – get your own information.
  • There is not a big bright side of things – but try to look on the bright side. Point out to me the things that are good out of this and why I will be okay.
  • I miss my other parent in my heart. Know this and keep it in mind.
  • Give us more love than we need.
Don’t Divorce Me! Trailer
If you have children and are contemplating divorce, check out Don’t Divorce Me! Kids’ Rules for their Parent’s Divorce on HBO ON DEMAND or www.hbogo.com
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An amicable separation and divorce can sometimes become strained when new relationships start.  New significant others often cause new emotional reactions that can subsequently impact parenting. In order to preemptively address the problems that can arise when new relationships start, in collaborative divorce, we often come up with parameters to address significant others. Here are some potential options to consider when thinking about agreements on significant others.  Any or all may be included in a parenting plan.
  • One option is to not allow the children to be introduced to any significant others without agreement of the other parent.
  • Sometimes parents like to have a period of time (such as six months or one year) after the divorce is final when no significant other shall be introduced to the children.
  • An introduction to a significant other may only occur when a neutral parenting expert (such as a child specialist in the collaborative divorce process) recommends that it is appropriate to do so.
  • Parents often keep some aspirational language in the decree such as: “Both parents understand that it is in the best interest of the children to support the children’s relationship with any long-term significant other of the other parent and shall make all reasonable efforts to do so.”
There are a number of ways to address significant others in the parenting plan. Indeed, some work on the front end, can help prevent significant stress and strain later.  Talk to a collaborative professional to learn more.
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520749655-man-in-mid-air-jumping-into-pool-during-gettyimagesVacations are a common part of family life.  Some families like to camp or take close-to-home trips to a local hotel or amusement location.  Other families have vacation traditions, such as family reunions or a favorite locales that they visit year after year.  And others may like to spend freely and take extravagant vacations. It is common to be concerned about vacations in divorce.  When one, nuclear family becomes a bi-nuclear family with two home bases, it may seem like a foregone conclusion that vacations will need to end.  While things certainly need to change, in a collaborative divorce, parents can work to develop a parenting plan that incorporates vacations and time away with the kids. It is common in parenting plans to provide each parent a certain number of days to take the children on vacation.  This time typically supersedes regular parenting plan – it is not a trade-off of days.  The parenting plan can outline further parameters on vacations, such as:
  • How much notice should be given for an upcoming trip.
  • Whether or not vacations can incorporate missing school.
  • Number of consecutive days allowed.
  • Communication parameters between the off-duty parent and the children while on vacation.
  • How far the children may be taken and what activities are permissible.
Parents often also work out the finances of a vacation in the divorce.  Sometimes vacation expenses are built into budgets and spousal maintenance obligations and other times each parent covers their own vacation expenses with the children. When parents work together on a parenting plan, they can come up with good resolutions about vacations and travel. A good collaborative professional can help start this process.