Author: Robert Reeves

New Year Financial Checklist

Going into a new year after a divorce is often a time for personal self-reflection. However, you’ll also want to look at other areas of your life as well, such as your finances. That’s why it’s a good idea to make a new year financial checklist. Having this list will let you get a head start on planning out the new year…

New Year Financial Checklist

Set your goals

A good way to start off a new year financial checklist is with some goals. In fact, people who set definitive resolutions are much more likely to actually achieve them. Therefore, it’s helpful to set for yourself specific short- and long-term goals that you want to reach in the new year.

Now, just saying “I want to save money” isn’t specific enough. How much do you want to save, and in what kind of time frame? Or, do you want to pay off debts in a certain amount of time? Goals like these are good and specific, and will provide a good sense of accomplishment when you achieve them.

Check your credit

Credit is also a very important part of your finances. As a result, it should also be a part of your new year financial checklist. Your credit will influence a whole host of things, from car payment plans to potential apartment leases. Due to this, you want to get it or keep it in good shape.

One good way to do this is to watch your credit card usage. Try to only use it for things you normally need to buy anyways, like gas or groceries. That way, you don’t use it for expensive things you don’t need that will put you into debt. A steady stream of paying off these kinds of credit card charges can help get your credit moving in the right direction.

Track your spending habits

A problem many people run into is spending more money than they expect. Even when they’re trying to save up, they may struggle to figure out what’s running up costs. That’s why you should also include tracking your spending habits in your new year financial checklist, to avoid this issue.

Keeping an eye on your spending will help you see what’s costing you the most. That way, you can cut down on or remove some expenses. One good way to do this is through a budget. These days, there’s plenty of apps and programs which will help you set up a good budget to reach your goals.

Blended Family Holiday Plans

Blending together different families after remarrying isn’t always easy. In fact, it can seem especially difficult during the holidays. However, making your blended family holiday plans successful isn’t impossible. In fact, it’s something you can do with a little bit of proper focus…

Blended Family Holiday Plans

Watch expectations

Expectations can be a problem for blended family holiday plans. Everyone has an “ideal” holiday situation in their heads. Often times, this is based off of what we see or hear in movies or other media. Still, you can’t base your real-life plans off of those found in fiction.

The thing is, you can’t set those expectations too high. After all, this holiday season is all about helping everyone adjust. Therefore, keep your expectations and your plans simple. Figure out what’s really important to you and everyone else, and base your plans on that.

Work together

Blended family holiday plans also end up being much better when you and your partner work together. Even if you’ve been married for a few months, you still won’t know their kids as well as they do. This of course also applies on their end as well. As a result, you should work together to make your plans.

By working together, you can develop your plan to be fit each of your kids. Plus, this can also help them feel more like a family. By spending time with each other, and everyone being able to do things they enjoy, you’ll create that good, holiday spirit. This will also improve the bond between you and your new family members.

Traditions, new & old

Don’t forget about traditions while making your blended family holiday plans. Traditions are an important part of the holiday for many people. If you know your kids, or your partner’s kids, have traditions they like, then be sure to include them.

Also, this is a great time to create some new traditions too. These new traditions are something that can be unique to your new, blended family. There’s a wide variety of traditions you can try and use with your family. You can also make your own special traditions with the help of your kids!

Post-Divorce Burnout

It isn’t always easy to adjust to a new life after a divorce. As a result, sometimes people will throw themselves into things like work. However, this can easily result in post-divorce burnout. That’s why it’s best to avoid taking this route…

Post-Divorce Burnout

The problem with burnout

The problems with post-divorce burnout are very similar to those of any other type of burnout. In general, it occurs when someone decides to use their work as an escape from the grief of their divorce. By focusing themselves solely on their work, they think they can distract themselves from those negative feelings.

However, no matter how much work you do, you can only avoid those feelings for so long. In fact, the more work you do, the longer those emotions will simmer and get worse. Eventually, you’ll reach your point of burnout, and all those emotions and more will rise to the surface, usually in a not-so-pretty way.

Accepting your emotions

In order to avoid this post-divorce burnout, you can’t avoid those sad feelings from your divorce. Rather, you need to take the time to confront and accept them. By acknowledging these feelings, you will get yourself through the grieving process, and can start to move forwards.

Usually, many people will actually take time away from work to do this. Still, there’s plenty of other ways you can give yourself some time to process these emotions. Maybe you meet with a therapist, or write your thoughts down in a journal. Whatever you chose, the important thing is getting those emotions out there.

Watch your workload

Another part of avoiding post-divorce burnout is watching your workload. There’s going to be a lot of things you’ll need to take care of after your divorce. Maybe you’re moving, or you have to adjust to being a single parent. When this happens, you need to be careful you aren’t pushing yourself too hard.

Taking on too much work can lead to burnout, even if you’re processing those emotions. Therefore, try to watch how much work you take on. Try to talk to your boss about what’s going on, and how you might need a bit of a limited workload for a short period of time. Many times, they’re understanding and willing to help you out.

Support Groups: What To Consider

The pain and loss that comes with divorce can be difficult to go through alone. Therefore, you’ll want to lean on your support system for help. One key part of this system are support groups. However, finding a group that works for you depends on a few factors…

Support Groups: What To Consider

What’s the focus?

Divorce support groups tend to have two main types of focus areas: informational and processing. Informational groups tend to spend time on learning tools and recovery. At these meetings, you’ll learn about different methods to help you adjust to your divorce, and make changes in your life.

However, processing groups are more focused on personal experiences. These are places where people can come and share their experiences with others who know how they feel. Furthermore, you can hear from others what helped them with recovery. You’ll want to figure out what kind of focus fits you the best.

How is the schedule?

You’ll also need to consider what kind of schedule these support groups have. Different groups will tend to have different kinds of schedules. Some might meet once a week, while others might meet on a more consistent basis. Plus, you’ll have to consider what days of the week a group might meet on.

Look at what your schedule looks like now, and see what kind of groups work with that. Don’t forget to consider the time duration as well. For instance maybe you’re only free at certain times each day. You won’t want to sign up for a group which could make you late for other things like work!

Is there an attendance policy?

Support groups are all dependent on those who show up to them. As a result, some groups might have stricter attendance policies than others. This usually is done to ensure that each meeting can be productive and worthwhile. After all, it isn’t fair to those who do come if not enough other people show up.

Still, you might need some flexibility. Maybe you have kids or other things which can impact your schedule. In these cases, most groups are understanding if you give them a heads-up in advance. However, it might be worth it to find one that is less strict if you know things might constantly come up. You can even look for groups which are online too.

Financial Changes: How To Cope

Seeing your financial situation change after divorce can be quite difficult. These financial changes can really impact your plans for your post-divorce life. However, there are some ways you can cope with these changes…

Financial Changes: How To Cope

Save ahead of time

A good way to handle potential financial changes is to save up ahead of time. Depending on how your divorce goes, the cost can quickly add up. Plus, it’s hard to tell how long a divorce will take until you really start it. Therefore, you’ll want to have some extra money saved up in advance.

Saving up these extra funds can help in a few ways. For starters, it’ll help you cover any unexpected costs or fees which pop up during the process. Also, it’ll let you get a head-start on preparing your post-divorce finances. Even just saving a few extra dollars here and there can really add up and help you out.

Set up a budget

Budgets are also handy for handling financial changes. Suddenly going from a two-income home to a single-income home can really be a shock. Still, it’s helpful to try and anticipate these changes ahead of time. A good budget can really be of use when it comes to coping with these potential changes.

A good way to try and split your budget is into needs, wants, and savings. Your needs are things you have to spend money on, such as food or bills. Your wants are more optional things, like shopping urges or other similar activities. Lastly, your savings are exactly that: money you put away and save up. Looking over these three categories can help you structure your budget accordingly.

Use some outside help

Sometimes, these financial changes can be very overwhelming. When this happens, you might struggle to figure out what to do. However, the thing is you don’t need to go it alone. In fact, you can make use of some outside help.

Talking to a financial advisor can help you better understand your finances. They can help break things down for you, and show you where things can be changed, saved, or worked on. These advisors are especially handy if you have a lot of debt which you’re unsure about how to approach.

Holiday Loneliness: What To Avoid

If you’re dealing with a divorce around the holidays, it can be pretty rough. You might find yourself feeling quite lonely or isolated. However, when you feel this holiday loneliness, it’s important to avoid some common mistakes. Doing so will help you fight those feelings off in a healthy, productive manner…

Holiday Loneliness: What To Avoid

Watch Your pride

Pride is a major cause of holiday loneliness. For instance, many people don’t like for others to see them as vulnerable. As a result, they won’t reach out to others and ask them if they can possibly spend some holiday season time together. All this does is ensure that they remain lonely, and leaves them feeling even worse than before.

Therefore, don’t be afraid put that pride aside. After all, the holidays are a time of giving and being with others. Reaching out to friends or family, even if you feel awkward about it, can be a good idea. Often enough, they’ll be happy to include you in their holiday plans.

Don’t wallow

Another thing you want to avoid doing when feeling holiday loneliness is wallowing. It can be very easy to get all caught up in your sadness. Adjusting from what you’re used to during the holidays to the new reality can leave you stuck in a cycle of sadness. However, it’s a cycle you don’t need to deal with.

Try to consider the fact that everyone goes through points where they feel down. However, you don’t have to make that sadness the focal point of who you are. Instead, look at the positive things you still have, and can start doing, and you can find yourself being a bit more thankful and happy than you were before.

Avoid unhealthy coping

Holiday loneliness can cause people to slip into some pretty bad habits. Commonly, people like to turn to alcohol in an effort to cope. Or, they might also develop some unhealthy eating habits, or isolate themselves from the rest of the world. All of these things combined aren’t going to be good for you now, or in the future.

Instead, you’ll want to use some more healthy coping mechanisms. Find some better, healthier things you like to do, and focus on them instead. Slipping into unhealthier habits will just make things harder than they already were.

Holiday Season Divorce: A Good Idea?

While the holidays are around the corner, you may have something more pressing on your mind: divorce. Even if you’ve been thinking it over for a while, is a holiday season divorce is a good idea? There’s a few things to consider which can help you make a decision…

Holiday Season Divorce: A Good Idea?

Consider the state of your marriage

When considering a holiday season divorce, you have to look at what your marriage is like now. If your marriage is so toxic that it makes you constantly miserable or unhappy, then it’s best to get things moving towards divorce now. This is especially true if things are abusive, and your well-being is at risk.

However, if things aren’t at those points, then you might want to wait until after the holidays. After all, the holidays tend to be a time where people spend a lot of money and do a lot of travel. That can make it hard to really get your divorce started properly, so it may be better to wait.

Will you regret the timing?

You also have to consider if you’ll regret the timing that comes with a holiday season divorce. After all, choosing to divorce will mean a total change to your holiday plans. Often times, you might end up finding yourself spending this time alone rather than with others like you’re used to.

This kind of change can make the holiday season especially hard. Throw in the demands of divorce, and it can really be difficult to handle. In fact, it could get to the point where the loneliness prompts you to try and go back to a relationship that isn’t good for you. Therefore, you need to make sure you’re ready for this kind of change.

Consider how it will impact others

Divorce is, of course, a very personal matter. However, a holiday season divorce does mean you have to consider the holiday plans of your family and friends. A divorce will put a damper on those plans, especially if you have kids. Divorcing during this time could seriously have a negative impact on them.

Post-Divorce Info: Key Updates

When your divorce is finally over, you might be hoping to finally relax a bit. However, there’s still some post-divorce info you’ll want to get updated. Taking the time now to get everything good to go will save you from headaches down the line…

Post-Divorce Info: Key Updates

Address info

One piece of post-divorce info you want to update pretty quickly is your address. A lot of people will  find themselves getting ready to move to a new home or apartment once their divorce is over. If you find yourself in this kind of position, it’s important that you update your address information properly.

For instance, you’ll want to keep people you trust like your friends and family in the loop about your new address. Depending on your job, it might also be helpful to let your boss know as well. Don’t forget that you might need to update your address for things such as taxes and voter registration.

Financial info

Another piece of post-divorce info to take care of is your financial info. Many married couples will like to either share a bank account together, or have access to each other’s personal accounts. After your divorce, that’s not something you’ll want to have for security reasons. Therefore, you’ll want to update this information too.

If you and you ex had a shared account, then it’s a good idea to go ahead and get your own account. You might also be able to revoke the access your ex had to your own personal account, but it’s safer to open up a brand-new account just in case. Also, remember to let your employer know about any relevant changes, such as if you use direct deposit, to ensure your pay ends up in the right place!

Contact info

Contact information is also some important post-divorce info to update. Some spouses like to share things such as email accounts or phone plans. After your divorce, you might need to make some alterations in these areas.

Many divorced people tend to get new email accounts set up as well as new phone numbers. That way, they don’t have to worry about their ex having any access or control over their accounts. Plus, if you had a particularly nasty divorce, you might want to make changes to these things to improve your privacy, especially away from your ex.

Court Behavior: What To Avoid

How you dress in court is very important. Still, just as important is how you act when you’re there. Your court behavior will have a lot of influence on how smoothly things go for you. Therefore, there’s a few things in particular you want to avoid doing…

Court Behavior: What To Avoid

Being late

Being on time is an important part of your court behavior. Basically, it shows that this is something you’re taking seriously. Being late, even by a little bit, can leave you starting off on the wrong foot. In court, that’s something you want to avoid as best you can.

Therefore, don’t just try to show up on time. Try to make it a little bit earlier instead. That way, you give yourself a buffer in case there’s bad traffic on the drive to the courthouse. Plus, that also gives you time to double-check everything and make sure you have what you need before you leave.

Distractions

One of the worst things you can do in the courtroom is appear to be distracted. If the judge feels like you’re not paying attention, they might think this doesn’t matter to you. That can really shape their impression of you for the rest of the proceedings. As a result, you need to be attentive as part of good court behavior.

Keep your focus on the judge and what they ask of you. It’s also especially important to keep your phone off and away. Being caught on your phone, or even having it go off, can be pretty disrespectful. Don’t take the risk, and keep it out of sight and silent.

Being rude

Rude behavior is a sure-fire way to hurt your chances in court. For starters, it serves to make you look bad to the judge. Also, it can cause the judge to question either your motives, or if you deserve something like child custody. Rudeness just hurts nobody but yourself in the courtroom.

Therefore, always be sure to be polite and respectful. Don’t call names or make backtalk to either the judge, or your spouse. Be sure to watch your emotions as well. You want to come off as someone who is cool, confident, and collected to the judge.

Home Buying Post-Divorce

Deciding to move after your divorce can be a hard decision to make. However, before you can do any moving, you’ll have to prepare for home buying post-divorce. Taking the time to prepare will help you get a house which will fit you best…

Home Buying Post-Divorce

Organize your finances

Before you can do any home buying post-divorce, you need to organize your finances. Divorce can take a bit of a toll on your financial situation. Not only will you have to worry about costs related to the divorce, but you might also have to adjust to a single-income household.

All of these changes mean that you need to be extra-organized before looking at any homes. Determine what your new budget is going to look like, and how a home might factor into that. Depending on your finances, it might be better to wait a bit to buy a new home.

Pick a good location

It’s also important to remember that home buying post-divorce shouldn’t be done on a whim. Buying a home is not just a big purchase, but it’s also an investment for your future. You need to make sure that your new home is in an area which will benefit you and your family going forward.

For instance, it’s good to see if you can get a home that is close to a new job. Also, if you have kids, you want to make sure the new home is close to some good schools. It’s always helpful to do some extra research and look at what the area around the potential new home is like.

Consider you needs

You’ll need to consider what exactly you need from a home when doing home buying post-divorce. If you have a lot of kids, then maybe you want a home that has enough rooms and space in the yard. However, if it’s just going to be you, you might want something a bit smaller, and in turn, a bit cheaper.

The key thing is you don’t want to get stuck with an expensive new home right after your divorce. Your finances are going to be at their most shaky during this time. Therefore, stick to what you need out of a home versus splurging on something expensive.