by Renee leNobel | Oct 21, 2015 | Divorce
“People turn up in your life when you need them.”
This was said to me by someone recently and she was essentially predicting her appearance in my life.
At the time of our meeting, I was actually thinking: “I do not need
this person at all in my life.” She blew in the door and proceeded to “advise” me on how I should be living my life, and according to her beliefs, I was living my life all wrong.
Within two minutes of meeting her, she decided she had me pegged and told me I was too analytical and that I needed to think with my heart and not my head. Then she went further and told me that being analytical was why I was unhappy.
I was a little taken aback by her statements and immediately started analyzing them because yes, I am analytical. I do like to figure things out and so often take in information, analyze it and then either add it as support to my theories on life or reject it as not valid. She did read me quite well; it was actually quite impressive how she figured me out so quickly.
So I agreed with her, yes, I’m analytical, but actually, I’m pretty happy with that state of affairs so I put that argument back to her that her initial argument was flawed. Thinking with my head is not a recipe to make me unhappy, despite her strong beliefs.
This didn’t sit well with her and she spent the next hour telling me why I was wrong and why I needed to start living according to her beliefs and values system. She even stepped up the pressure by telling me I looked way older than my age and that was due to me being unhappy. Some of you may be wondering why I listened to her go on for so long. I will refer you to my blog post on
maintaining personal boundaries. Yes, in hindsight, it would have been better for me to simply stop defending my belief system to her and walk away; this is something that I will probably have to work on for the rest of my life because the people pleasing gene is strong in me (as Yoda would say).
That said, I did eventually walk away and went to my room to read
How to be a Woman by Caitlin Moran. Actually, I think this book waltzed it’s way into my life when I needed it. The irony was funny as my attacker was telling me I needed to dye my hair and Caitlin Moran was questioning why woman have to focus so much on maintaining their youthful looks when men spend their time worrying about how to get ahead.
My attacker eventually got the message and left me alone and then I got thinking about what had just happened (oh – I’m so analytical :))
What I started thinking about was Coaching compared to Advising.
I started thinking about how coaching worked for me and my life. My coach listened to me and what I have to say. She helped me elucidate what is important to me and what is going to drive me forward in life.
This is very different from someone that already has an idea about how life works and then tries to put those ideas onto someone else.
I can say that coaching worked for me. I don’t have to push myself to do things that I naturally want to do. I can also say that advising seemed to work for a while in my life. I did listen to what people advised me to do for a very long time but eventually the disparity between how I was living and my personal values led me to being stuck in life. I was not moving forward anymore when I was living someone else’s life.
After I had finished thinking about coaching and advising, I realized that this person did have one valid point that I will buy into. People do turn up in life when we need them, but sometimes it takes a little work (and analysis) to recognize this.
by Renee leNobel | Sep 30, 2015 | Divorce
When I realized my marriage was over, one of the first things I started thinking about was how my life was going to change and not only change, but change for the worse. Everything was going to be harder. I was becoming a single parent for half my waking hours and I was starting that journey with drastically reduced financial circumstances. These thoughts were part of the reason why I had tried to make my marriage work for so long – it just seemed easier to try to hold things together than to start again with an entirely different set of harder circumstances.
I was heading into my divorce when a huge amount of fear and uncertainty. I also felt like everyone else: my ex, my lawyer and the overarching rules of society that define how a divorce must happen, were now controlling my life. I had no say in how my life would be from here on in.
I began to operate on automatic pilot and tried to do everything as quickly as I could to get through the entire divorce process.
I drove myself through our divorce process without every taking a time out to figure out what I wanted. We used the Collaborative Approach to divorce and after five meetings we had a draft separation agreement and were essentially done. The reason it took five months was because we could only have one four way legal meeting per month. We could not go any faster because it is challenging to book three to four hour sessions with four people (me, my ex and our respective lawyers) and their busy schedules. Our lawyers tried to get us to talk about what was important to us but I mostly thought to myself: “let’s get on with it!, can we stop talking about needs and values now?”
Then I entered a six week back to work program designed to help women find work. Again, I thought to myself as we worked through the first part of the program where we had to do endless self-analysis: “Can we get on with it? I need to write my resume.”
And then I was done. My divorce was finalized and I had my resume in hand.
But I was no closer to knowing what I wanted. I was still operating on fear and I still thought the best part of my life was behind me.
And nothing in my life appeared to be working. I was not getting a job. I was sending resumes off into what appeared to be the void as I heard absolutely nothing back from anyone. I was stuck, I was scared and I was unhappy.
Things did not begin working in my life until I took time to figure out what was important to me. Yes, I went on that mid-life crisis soul searching bender because I got to a point where fear would not drive me forward anymore. I had gotten to the point where fear immobilized me.
Figuring out what drives you is a journey and it never stops but about six months into my quest to discover what would get me happy again, I had a list of my seven core values (I’m a type A accountant – I like my lists) that I posted up on my wall.
What I have discovered is that list is very handy in making decisions in my life. It is especially handy for making money decisions. My list of values helped me determine how I am going to earn my money and how I am going to spend it.
If you are finding it challenging to make decisions around money, the way out is to do some good old navel gazing. Because if you know yourself, it’s not hard to know when making a spending choice does not work for you and it becomes a no-brainer when it does.
by Renee leNobel | Sep 23, 2015 | Finances
I hate spending money. My Scottish-Dutch genetic makeup combined with my upbringing in a Depression impacted family has turned me into a person that gets anxious any time I head to the cash register. You know how some people call shopping “retail therapy”? Well, shopping has never been that for me. The act of spending money starts an internal debate going in my head about if I need to spend that money or not. A few things I’ve noted about internal chatter: it slows down my decision making, it tends (under-exaggeration) towards the negative and it keeps me up at night.
Then I changed because I got tired of feeling guilty and anxious all the time. Spending money happens on an almost daily basis. I was beating myself up everyday! It was mentally exhausting and I couldn’t keep doing it.
How did I stop the guilt and anxiety I had around money? I didn’t do much; all I did was make a decision. What I decided to do was to start believing in my spending plan.
I’ve always been a bit of a spending plan fanatic. Each month, I add up everything I spent during the month and I add it to my money tracking spreadsheet which I have had going for the past five years. Then a couple of times a year, I look over what I’ve spent and I update my spending plan for the upcoming year. My monthly tracking is not as onerous as it sounds, it takes me about two hours a month.
Even though I’ve always tracked my spending and I’ve created spending plans for years, I never really bought into the process. For one thing, I never went back to a prior year spending plan to to see if it bore any relation to my actual spending. Plus, I never critically looked at my plan to see if I was spending in areas that I wanted to spend in. I think I also never came close to spending what was in my plan. My spending plan was just a process I was doing that I thought I should do as an financially responsible person. I still agonized over every dime I spent and spending still made me feel horrible and guilty. All my spending plan was doing for me was consuming my time in creating it. I had this spending plan – but I was ignoring it and choosing to continue to feel bad when I spent money.
So I recognized that I no longer wanted to feel guilty and I also wanted my spending plan to be of use to me so I decided to start believing in it. How did I do this? I decided to analyze my spending plan and this is what I discovered.
My spending plan was based on my life and choices that I have been making for years. It was a financial reflection of my beliefs and values. After all, I do not spend money easily, so if it was spent and ended up in my tracking spreadsheet, I must have believed in it at least a little. My spending plan is therefore based on what I think is important to spend money on. I noticed that my spending stays fairly consistent year over year and also that I had built a cushion into my spending plan for unexpected expenses. Oh and another important part of my spending plan? I had enough money coming in to cover my spending going out.
So then I realized that if an expense is in my spending plan, it is ok to spend money on that expense. I’m even allowed to spend on the unexpected because there is a cushion in my spending plan. All this spending is allowed without the guilt!
This change to believing in my spending plan is taking time and I’m not completely cured of my money guilt. I still don’t like spending money but that doesn’t hold me back in my decision making anymore or lead to days of anxiety (well mostly). For example, September is a fairly brutal month for expenses for me. It is when all my large business expenses come due and when children related expenses like after-school activities, hot lunches and school fees kick in. Before believing in my spending plan, I would have been in paroxysms over this spending. I would have felt horrible for days on end and would have questioned my decision to go into business for myself. I might even have decided to pull the plug on my business. I would have been more focussed on stopping the money bleeding than on driving my business and life forward.
This year when things came due, I felt a little icky and I know I still complained about the high cost of doing business as a sole proprietor, but then I told myself, this is in my spending plan and therefore it is ok to spend. I am not going to make myself feel bad for buying professional liability insurance!
Do you have money anxiety and fears? The best cure is to start tracking your spending and to build a spending plan. If you don’t have a plan, then every time you spend money you might be questioning it and causing yourself anxiety. With a plan, you too can move forward with your life with clarity and decisiveness.
by Renee leNobel | Sep 15, 2015 | Divorce, Finances, Parenting
When I was growing up, I was always told that I was responsible for paying for my own university education. My parents wanted me to go to university, but they also wanted me to start learning how to be financially independent. Actually, I’m not sure if it was a conscious decision on their part to make me financially independent or just how they did things. Both my parents had to pay for their own postsecondary education (and my dad had to sell his beloved 57 Chevrolet Belair to finance his education). There could have been a touch of martyrdom – “I had to sacrifice certain things – i.e. my beloved car, so so do you.”
I lived at home with my parents when I went to the local university and I paid my tuition out of the summer jobs I held. My parents did help me out. They paid for half a car and the related car insurance every year I went to school and of course I saved considerably by living at home.
So when I tend to think about my kids going to university, I don’t feel like it is my obligation to pay for them. That said, things are considerably more expensive these days. My tuition was $2,000 per year at the local university and these days it is $10,000 per year. I know that the minimum wage that my 17 year old self earned during the summer has not kept pace with this increase in tuition. Also, I always felt like I missed out on some valuable life experience by living at home. So I’m wavering on the idea of making my kids fund their own education and have started to think I would try to support my kids if I could. However, I did think it was my choice to support them at the postsecondary level.
Imagine my surprise when I found out that a friend was still paying child support for a stepdaughter who was 28 years old. I was amazed to learn that parents are financially responsible for children that are pursuing their first university degree and are unmarried – regardless of how old they are!
This information got reinforced when I was going through my own divorce and my lawyer explained that the obligation to pay child support ceases in respect of a child who:
(a) marries,
(b) becomes self-supporting, or
(c) becomes 19 years old, unless the child remains a “child of the marriage” within the meaning of the Divorce Act because of inability to become self-supporting due to illness, disability, the pursuit of education, or other cause.
I find this interesting. By divorcing your partner, you in fact have a greater financial obligation to your children than if you stayed married. If your child decides he or she is going to university, then both parents are obliged to pay under the Child Support Provisions of the Divorce Act.
If parents stay together, they can simply band together to tell their child: “sorry – you’re an adult, fend for yourself.” This is no longer a choice if parents are divorced.
I can see why this law is in place. I have a friend who has two university aged children. Her ex-spouse encouraged her children to go to a university far from their home town and then he refused to pay for it. She has financed her daughter’s (who is in her final year at university) entire education and the only financial help my friend received is help from her daughter. She has been working with the justice system that is in place since her daughter first embarked on her university degree three years ago and so far despite getting decisions in her favour (the judge has repeatedly stated that her children’s father must help fund the children’s education), my friend has not received any money. She is hopeful that by the time her son is ready to graduate university (in three more years), she will get some money from their father.
So despite the fact that the law states both parents are on the hook to support their children during their postsecondary years, it is often a battle to implement this and it has taken considerable work and time on my friend’s part. She is extremely frustrated with the entire process.
To prevent getting into this type of situation, I recommend communication. Communication with your spouse, with your children and with yourself. Discuss what you envision with your spouse regarding your children’s future education. If you are getting divorced, then ensure that there are clear guidelines about financing your children’s postsecondary education in your separation agreement. Ensure the wording is clear and the arrangement for determining amounts to be financed are clear. Much of the time and energy my friend has spent has been in determining what amounts are to be split by the parents and how to track and account for those amounts. If there is nothing regarding postsecondary education in your separation agreement, start thinking about how you can bring this topic up with your ex before your children have their hearts set on going to a university far from home.
If it seems like your co-parent is not on board with sharing costs of a postsecondary education then you need to have a good long talk with yourself about whether you can fund it on your own or whether you need to start helping your children adjust their expectations about what postsecondary education is going to look like for them.
If you decide you are going to fund your children’s education because it is important to you, then you need to look at your financial situation to see if this is a possibility and if it is not, how you can make it one.
by Renee leNobel | Sep 10, 2015 | Divorce, Parenting
I keep a file with half started blog posts and today I was searching around for a post to finalize and I opened this one: “Working From Home with Kids” and surprise surprise, it was blank.
I think that says it all.
It is challenging to work from home when your kids are home with you. I keep thinking I should be able to be more productive as my kids generally have nothing to do with me anymore, they go for long stretches doing their own thing, so why do I not have long productive work stretches?
I realize that I’m on constant alert when the kids are with me and I’m the sole caregiver. When I became a mother, biology kicked in and it suddenly seemed as if danger was everywhere. As my kids got older, some dangers disappeared but others surfaced to take their place. The danger these days is that my kids will kill each other when they get into a fight. Logically, I don’t think this will really happen, but my mom biology will just not let me get immersed in my work.
So even though the kids are up in their room, my mind is focussed half on my immediate circumstances and half on being “on guard.” My eyes in the back of my head are in the switched on position. In fact, there is also a touch of anxiety in my stomach that makes me even less productive than normal.
What I have discovered is that I can do low level mental acuity work. I can do things that I’ve done before and could do with my eyes closed. Bookkeeping, bank reconciliations, data entry, yup – can do that.
Talking to a new client about what I do and what they need? I tried that, it was like texting while driving.
Writing a new blog post from scratch? My brain needs more time and space to be creative.
But hey wait a minute. I seem to have just done it.
Where are the kids? It’s awfully quiet in here.
Time to go check on them.
—
The kids were fine – and I’m finally finishing this post two weeks later when I have time on my own (the kids are back in school). It’s true that I have to have uninterrupted time to do anything new and challenging. Unfortunately, this was driven home to me this past few weeks while the kids were on summer holidays.
So how do I get that uninterrupted time? I could stick them in front of the TV and I could lock them in their respective rooms, but those solutions are less than ideal and seem to lead to increased anxiety in the pit of my stomach. They got a lot of screen time this past week and I still got low level work done.
What I need to do is plan better and adjust my expectations. At the beginning of the summer, I was concerned that I would only have the kids for half a summer because they were spending the other half with their dad. I thought I would have so much time without them to get work done and I wanted to hoard the time I did have with them by not committing to day camps for the kids that would take them away from me. What I do need to realise is that I cannot truly work effectively while the kids are at home with me and if I try do so, it just leads to anxiety for me (and my kids).
The added bonus of my new understanding is that it will now be much easier for me to be grateful when the kids are with their dad. I never thought it would happen, I thought I would be sad forever, but I am slowly adjusting to having the kids with me for half their lives.
