How to Maintain Your Independence in a Marriage

When I first married at the age of twenty-two, I was happy to trade in my independence for what I thought was a guarantee of partnership and togetherness. By exchanging “me” for “we,” I knew that I was making the promise to consider his opinions and needs when making decisions and that I was committing to putting the marriage before my own desires and dreams. A transaction that seemed completely reasonable at the time.

 

I didn’t lose my independence all at once.

 

Its integrity frayed slowly, like fabric subject to excess friction. Sometimes, it simply didn’t feel worth the energy to assert my own opinions. Other times, I found that I too easily adopted his views as my own. He became my primary confidant, my go-to social partner and we undertook most tasks and errands together simply by default.

Some of my actions were driven by consideration and respect – I would notify him if I was running late, consult him before making a major decision and seek his approval before spending a significant sum.

Other behaviors seem more concerning in retrospect. I was always careful to consider his feelings or preferences, yet I often neglected to examine my own.  I looked for his validation when I took up running at the age of thirty. I rarely went to parties or other large-group gatherings without him. And I relied on him to take over tasks that I found difficult instead of pushing myself outside of my comfort zone (the one that stands out the most here is making returns at a store – I HATED doing that to the point of mini anxiety attacks).

On one of my first shopping expeditions after he left, I impulsively grabbed a pack of strawberry-flavored gum at the register. Not because I have a particular fondness for fruit gum, but because he despised it so much that I never chewed the stuff. Not even in the hours I spent away from him each day.

That small act suggested a large step.

 

It was time to take back my independence and again find the “me” that had been lost in the “we.”

 

It was strange at first, acting without consulting anybody else. Making decisions on my own (and also facing the consequences of those choices on my own). I felt a little lost, like a kid at their first summer camp, unsure how to act when the accustomed structure was no longer apparent. Then, over time, the independence became comfortable and ultimately, essential. That autonomy that I had so willingly signed away years ago had become imperative to my well-being. Even though I wanted another partnership, I vowed to never again give away my independence.

My marriage now looks very different than my earlier marriage. We came together later in life, with established careers, friendships, bank accounts and habits that we weren’t willing to lose in order to enter into a relationship. Instead of there being an assumption that everything would become shared, we negotiated what elements we would merge and what would stay more autonomous.

I feel that I now truly have the best of both worlds – I know that my husband has my back but I also have my own mind (and vice-versa). There’s a much better balance; whereas my first marriage was dependent, this one is interdependent with a hearty sprinkling of independence.

 

The fear of losing oneself upon entering a relationship is a commonly cited reason for resisting commitment.

 

And rightfully so.

It’s easy to get so caught up in your role as wife, husband, mother or father that you no longer have the time or energy to devote to those things that used to bring you joy. You can find yourself slowly losing your desire or even ability to make decisions on your own, deflecting these to your partner and neglecting your thoughts in the process.

Maybe you came out of your previous marriage with the realization that you lost yourself somewhere along the way. Maybe, after years of hard work, you feel like you’ve found yourself again. You like your life. Love your independence and the confidence and freedom that comes with it. And still, you may find that you’re feeling pulled towards partnership. But you know that you don’t want to lose that independence that you’ve fought so hard for.

Good news. You can maintain your independence even within a marriage.

 

  How to Be Married (and Still Be Yourself)

 

Choose a Partner With Similar Requirements

There are some people who want to spend all of their time with their spouse. They share email addresses, home offices and friends. Others prefer to have more delineation between mine, yours and ours, creating and maintaining boundaries between areas. Some married couples even agree to live separately and only have the smallest regions of intersection between their lives.

No situation is better than the other and any variation within this continuum is perfectly fine as long as both partners are in agreement with the terms. And since you’re concerned about maintaining your independence, seek out people that are equally dedicated to maintaining their freedoms as well. Those that have full lives are more likely to respect your interests and passions and willing allow you the time to operate solo.

If, like me, you’ve experienced more overlapping lives in your past relationships, be aware that it may take time for you to adjust to this shift in the dynamic. You can’t have it both ways – if you’re going to maintain your independence, you also have to accept that you will receive less attention from your partner because they will also be busy with their own lives.

 

Distinguish Between Independence and Consideration

When I was single, I could go away for a weekend and not tell anyone as long as I returned in time for work on Monday morning. Now as a married woman, I can still go away by myself for a weekend, but I do have to at least inform my husband first. To leave without the respect of ample notice would be rude and inconsistent with a healthy partnership.

Sometimes, when people say they want to maintain their independence, they really mean that they do not want any responsibility to anybody else. Which is ultimately incompatible in a relationship (How many of you have been married to people like this who think that everything is always and only about them?).

When you enter into a relationship, you have a responsibility to the other person. And one of those duties is to be considerate of their rights and needs. And that consideration may sometimes step on the toes of your desire for independence. But when you enter into a marriage, that’s the choice you’ve made.

 

Determine What is Important to You

When I lived alone, I played heavy metal in the living room during 4:00 am workouts. I came home every day to clean kitchen and relaxed every evening on my white slipcovered sofa. When I moved in with my now-husband, I knew that all of those things would be history. And I also decided that those things weren’t important to me.

Of course, there were other considerations that I deemed vital. I needed to have my own space in the home, I needed to be able to schedule my evenings and weekends the way I wanted and I had to maintain control over my own paychecks and accounts. I actually made a list of the specific types of independence that were important to me; I wanted to make sure that I didn’t inadvertently lose my autonomy again.

Take the time to decide what independence looks like for you. What makes you feel controlled or trapped? What conditions allow you the freedom you want?

Is this compatible with a relationship? With parenthood (or parenthood of younger children)? Be honest with yourself here. If you try to pigeonhole yourself into too small a hole, you will inevitably feel constricted. It’s better to start with less commitment and responsibility and see if you want to grow towards more.

 

Communicate Your Needs Clearly and Early

All you need to do to understand the struggles inherent in a bid for more independence is look at teenagers and their parents. The teens want more freedom; the parents fear losing their kids. The kids push their parents away and the parents often take these words and behaviors personally.

It’s not that different in a partnership. When one person suddenly makes a stand for more independence, it can be seen as a threat to the relationship and can be taken personally. This is a great place for those famous “I statements,” to communicate that this is about what you’re needing, not about the other person.

Whenever possible, communicate your needs for independence at the beginning of the relationship. If your needs have changed over time, be aware that the information may be difficult for your partner to receive and that it may take a series of conversations (and time) to fully negotiate the changes.

 

Listen to Your Partner and Ignore the Peanut Gallery

When I was on my recent trip and mentioned my husband (who was home in Atlanta) to someone, I often received a raised eyebrow, “Why aren’t you doing this trip together?” I gave them a pat non-answer because the real one would be a bit longer.

Travel is important to me. I only recently have the means to enjoy it again after recovering from my ex’s financial shenanigans. In my former life, I waited too much to live, always promising myself that I would do all of the things once some benchmark occurred. And after? I promised myself that I would never again wait to live. Or to travel.

It’s different for my husband. He has to travel for work and being away means that he can’t train martial arts (his passion). His preferred funnel for the “I’ve made it tough to exhale” funds is his Corvette. And he much prefers waking up in the same bed each day to days full of the unknowns and inevitably discomforts of travel.

So I travel and often he does not. And it doesn’t matter what anyone thinks of that other than the two of us (and Kazh too!).

Do what works for you and your partner and feel free to turn a deaf ear to those that want to criticize from afar. After all, the ultimate independence is the freedom to build your life in the way that works for you. Whatever that may look like.

18 Steps to Financial Independence During and After Divorce

financial independence

It is not uncommon for divorce to initiate a financial crisis. The process itself is expensive. There are real and often high costs associated with splitting a life and creating two households. Health expenses may increase along with your (and possibly your children’s) stress levels. And that’s all assuming that your ex didn’t play dirty with money (as mine most certainly did).

Now that I’m on the other side of my own financial crisis initiated by financial infidelity and exacerbated by the legal process, I thought I’d share with you the specific steps and strategies that worked for me. Some may be pretty common sense, but others may be new to you. Please keep in mind that I am not a legal or financial expert and that the laws vary from state to state. Use these as a starting point as you take the steps back to your own financial independence.

Play By the Rules

This is not always easy to do, especially if your ex is determined to ignore or break every law out there. But it’s important. If you get caught violating the financial guidelines that are set by your state during separation and legal proceedings, you will only serve to compound your problems.

That being said, take the time to learn what is not allowed so that you can manipulate what is permissible. For example, I was not allowed to close any accounts or remove his name from accounts (Including as beneficiary; I was so afraid I would die during the process and he would end up with my retirement and life insurance. Ugh.) However, I was allowed to open up new accounts as long as I did not attempt to hide them (the funds were still considered “marital property,” he just didn’t have direct access). So I immediately opened up new checking and savings accounts and made sure my directly deposited paycheck went directly to me.

Accept Help (If It’s Available)

This is not a time for pride. If you are lucky enough to have friends or family that are able and offer to help, accept it. If you qualify for reduced fee attorney support, take it. If you can locate a counselor that operates on a sliding scale, be honest about your ability to pay. And when a friend offers to take you to lunch or out for drinks, just say “thank you” and worry about evening the score later.

Consider bartering for expenses such as babysitting or car repair. Reach out to your network and explore the opportunities. Be open, honest and creative. You may be surprised at where you’ll find help.

Create An Evolving Budget

Obviously, your budget is now different from when you were living as a married couple. And it will continue to change as the divorce process proceeds. Start your new budget by identifying your more permanent requirements: housing, food, childcare, etc. Then, add in your temporary necessities: attorney and court fees, mediation expenses, counseling, etc. Next, consider areas that may not be a requirement, but that carry great value for you, such as monies set aside to redecorate your space to make it feel safe and inviting.

7 Areas to Downsize During Divorce

Revisit the budget frequently in the beginning (at least every couple months). As some of the temporary expenses come and go, it’s important to keep an eye on the big picture and a handle on where the money is going.

Prioritize Free and Cheap Self-Care

It’s easy for anyone, but especially parents, to neglect their health and well-being during divorce. Self-care, particularly during a stressful transition, is critical. You can’t take care of your children if you don’t take care of yourself.

Look up yoga and exercise videos on YouTube. Explore your local parks. Get to know the vendors at the farmer’s market and learn about specials. Find a free meditation class in your city. Check out music and movies for free through your library and cancel the Netflix subscription. Check out Meetup.com for free and inexpensive outings and activities.

Plan For Indulgences

Too much of a sacrificial mindset often backfires (learn how). To counteract that, carefully plan for meaningful indulgences. When money is limited, make sure you invest in the ones that provide the most value for you in that moment. And be aware that these may change over time.

In the first few months, I treated myself to a massage every two months. The non-sexual touch was healing and calming for my frazzled body and mind. Later, I invested in an annual pass for the local botanical gardens, a temporary replacement for my own plants that were left behind in my old life. I always made sure to have a small, regular smile on the horizon to remind me that the situation was temporary.

Adjust Accounts As Needed

Once the divorce is final, you will probably receive the green light to make changes to any accounts that remain in your possession. Revisit beneficiary designations on insurance and retirement accounts. And then verify that requested changes are made (It took the company that holds my smaller retirement account 2 years to finally process the removal of my ex!). Take your decree to the tag office to have your car title transferred into your name. Divorce is a qualifying event for health insurance and decide if you need to remove your ex from your policy. Look at your auto insurance policy and make any needed adjustments.

If your name is changing, make sure to update it on critical documents – driver’s license, passport, etc. Be aware that a discrepancy in name can be a hassle (I’m looking at you, PayPal) and it’s helpful to change it all at once.

10 Struggles Anyone Who Has Been Divorced Will Understand

Create Income

Whether you have always maintained a career or you were a stay-at-home parent, after the legal process is finished is a great time to explore added sources of income. Start by looking to see if there are items from your married life that you wish to sell. There’s nothing like the satisfaction of unloading a cheating ex’s jewelry and walking away with cash:)

Consider if you have any skills or knowledge that can create a passive income stream for you. Don’t worry if it’s just a trickle at first. Every little bit helps you get back on your feet.

Strive For Independence

Perhaps you were awarded alimony or child support from your ex. Or, he or she is expected to pay a certain amount towards attorney fees or to help you get started on your own. And maybe you’ll see all of those payments.

But maybe you won’t.

Child support is the one area where the law is really on your side. But even then, you cannot depend upon the money. Especially when the courts end up locking up a parent for non-payment, thus giving them no way to earn the money in arrears. And outside of child support (and in some states, alimony), you are often on your own dime to try to force payments.

So strive to find financial footing that is separate from your ex. It may not always be possible, but it’s a good goal to have.

Counteract Anger and Fear

Money is never just about money. You may find your anger flare as you face bills and hardships that feel unfair and unplanned for. You may face sleepless nights as you worry about dwindling checking accounts and ever-growing debts.

Temper your anger with gratitude. I kept a gratitude list by my computer and I added one element to it every time I had to pay a bill resulting from his debt. It was a good reminder that the financial infidelity may have been awful, but that my present life was not.

Tame your fears with mindfulness. We often worry ourselves into a rut, one “worst thing possible” following the next. If your money fears are taking over, check out my coaching course on how to thrive after divorce; I give many strategies for working with fear and anxiety. And remember, self-care is critical!

Know Your Taxes

Even if you’re used to doing your own taxes, you may want to call in the professionals for a couple years until everything is straightened out. The rules about who gets what deductions and who claims what income can get muddled. And that’s on top of a system that is already confusing.

If you were the victim of financial infidelity (AKA marital fraud) or otherwise were unaware of what had been filed and monies are owed, you may qualify for Innocent Spouse Relief. You can read more about the program and its requirements here.

Understand Your Student Loan Options

If you currently have student loan debt and you are having trouble paying your bills, look into your options. I was pleasantly surprised when I contacted my provider. They didn’t make me feel ashamed for my situation (unlike all of the other accounts I had to deal with) and they gave me several options to choose from.

Student loan debt isn’t something to mess with; the consequences for non-payment can be severe. For example, in Georgia, teachers face losing their certification if they are in default on their student loans. So know your options and make sure you stay current with your choice.

Face Your Credit Score

Divorce can do a number on your credit. As in, make the number much, much smaller seemingly overnight.

I have to admit, this is one I didn’t do so well on myself for a few years. In the very beginning, I simply couldn’t stomach it at all. I had my dad scan the reports and, keeping the actual numbers from me, verify what accounts were reported. And then I swiftly inserted my head in the sand for the next few years as I worked to improve the score. Here’s what happened when I finally looked at it.

I strongly suggest using the app Credit Karma to keep up with your credit score. It’s free and easy. And, in those days when simply peeking at the number could cause my blood pressure to rise, I found its friendly layout and welcoming colors calming.

Actively Build Your Credit

So now you know where you stand. That’s a good start.

Now, work to improve your standing. The basic credit-building advice follows here – Pay your bills on time. When you can, open a new credit card if (and this is the critical part!) you can make sure you pay it off every month. Also watch the balance even if you do pay it off. If it’s too high at the time it’s reported, it will lower your rating. Make sure that accounts are reported correctly and marked closed as you fulfill your obligations. And watch with bated breath for the magic 7-year mark when old negative marks are wiped away.

Consider Bankruptcy

I hated even letting that word into my vocabulary, but once I met with the bankruptcy attorney and discussed the options and consequences, I felt better. I ended up electing not to go this route after deciding that it was not best for me. But I was glad that I had at least considered it and explored the options.

If your debts are overwhelming you, take the time to learn the bankruptcy laws in your state. Gather the knowledge, consider your choices and then do what’s best for you.

Reevaluate Your Retirement

Many couples piece together their retirement in a yin and yang fashion, some accounts bringing more stability and others more risky, but with a higher potential yield. In divorce, you are definitely left with less retirement monies and you may also be left with an unbalanced plan.

Once the initial emotional and financial dust settles, examine your current retirement and make changes as needed. Obviously, the closer you are to retirement, the more important this is. Especially if it extends your plans for full-time employment (If you’re in this position, I am so sorry. It’s one of the hardest parts of “grey divorce.”).

Keep Your Divorce Decree Handy

No, really. You’re going to need it. Whether it’s for changing your name on the account, eliminating your ex’s name from a title or providing some ammunition when you try to secure a loan, that expensive packet of paper is indispensable. Also, be forewarned that many organizations require the original document with the court clerk’s seal. I suggest purchasing an extra copy while you’re at the courthouse just in case your original doesn’t make it back in the mail as promised (I had to send my original in to have my passport changed).

Make (and Celebrate Reaching) Small Goals

Rebuilding your credit and securing your financial independence takes time. It’s a big (and daunting) goal. So break it into smaller goals. Even as small as paying your phone bill on time each month.

And then celebrate those small successes. It’s amazing how much ground baby steps can cover as long as you keep moving!

10 Ways Divorce Makes You Better Than Before

Be Patient

It is going to take time. Don’t let it take over your life or your happiness in the meantime.

After all, in the end, it’s just money.

And your life (and the lives of your children), is priceless.

Accept Help. Don’t Expect Help.

I’ve never been very good when it comes to accepting help.

I used to see it as a weakness to allow others to come to my aid. My “I can do it myself” attitude shone through even as a toddler when I would use some random object as a tool to allow me to turn on a light switch rather than wait for someone to do it for me. I had a strong need to independent. Sovereign over my own domain.

Which made my fourteenth year very challenging. I had surgery on my hand after which complications limited sensation and function in my right arm for several months. The girl who used to turn on her own lights even when she couldn’t reach was now dependent upon someone else to help her dress each day. Not an easy lesson in learning to accept help. In fact, as soon as I was physically able, I returned to my stubborn self-reliance.

Until I started dating my ex, that is. He slowly worked to soften me. Teaching me that it was okay to accept help. I still bucked him at every turn, except when I sick and too weakened to protest. But after turning away offers of assistance, I would usually kowtow to his headstrong ways.

And he was always willing to help. From rescuing me from a misbehaving car (I swear that seems to be a recent theme in my life!) to cleaning the house to taking me out to distract from an awful day at work, he was always there to lend a hand.

And I grew to expect it. He always had my back and so I assumed he always would.

Of course, what I thought was support, was really just a distraction from the knife he plunged into my back.

What’s that saying? Whatever doesn’t kill me makes me stronger? Well, Dear Whatever Doesn’t Kill Me, I’m strong enough already. Of course, maybe that wasn’t the lesson I needed to learn. Maybe I needed to learn to accept weakness.

 

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I got better at accepting help during the divorce. Much like the-year-with-no-arm, I didn’t have much of a choice. Although I could dress myself this time around, I still needed assistance with many of the day-to-day necessities. But, unlike my experience at fourteen, I didn’t immediately revert to my intensely independent ways.

It was easy to learn to ask and accept help from friends and family.

But in my new relationship, it was a more difficult process. It’s hard for me to trust my husband to have my back, even though he always has. It’s hard for me to relax and depend on him for something. It feels risky. Scary. Vulnerable.

But those are necessary emotions in a healthy marriage. There is always risk.

I don’t think I’ll ever again have the blind faith that someone will always be there for me. But I think that’s okay. It means I can take care of myself if I have to and that I can accept a hand if it’s offered. It means I’m always grateful for any support that comes and not stranded if it doesn’t. It means I feel comfortable asking for assistance and that I can find a work-around if no help is available.

I think I’ve finally found a good balance now between independence and reliance.

I don’t expect help. But I accept it.

 

Damsel In Distress

I met my dear friend and her three year old daughter at the Children’s Museum this morning.  Her daughter, we’ll call her Kayla, is an absolute delight, even for those like me who are prone to hives when surrounded by too many of the younger set.  She is in exactly the 50th percentile in height and weight, has the most adorable curly blond tendrils and little pink glasses that she is always pushing back up with a furrow to her brow. She has a stubborn streak born from her early months as a survivor after a premature delivery complicated with additional health issues.  Like all three year olds, she like to state, “I am a big girl,” and ,”I can do it,” whenever someone steps in uninvited to render aide.

three phases in timed shutter release

But this survivor has another side.

My friend and I were sitting on a nearby bench while Kayla played in and on a hybrid treehouse/ playground within the museum.  Kayla scrambled halfway up a climbing net, looked back at her mom and said in a pitiful voice, “Help me, help me.  I’m stuck.” Now, my friend, being an awesome mom, immediately read the situation and realized her child was fine.  We stayed on the bench, watching, but not moving to offer assistance.  Moments later, two other children approached her and helped her climb the rest of the way to the platform.  She began to repeat a circular route: up the net, across the bridge, through the house, and down the stairs.  Each time she arrived back at the net, she would look around to see if there was anyone, child or adult, that looked like they might lend a hand.  If she spied a willing soul, she would ask for help in a soft voice.  If no hands appeared particularly helpful, she would easily scamper up the net on her own, a satisfied grin wide on her face.

How many times do we do that in our own lives?  You do not need to be three or even female to act like a damsel in distress, calling out for someone to rescue us when we are perfectly capable of helping ourselves?  It is an easy trap to fall in to that is reinforced by other’s good intentions.

I saw a lot of myself in Kayla today.  I am also a survivor with a strong stubborn streak. And apparently an inner three year old.  I will bristle all too easily at unwanted advice, my inner child stomping and shouting, “I can do it.” While, at other times, I can act like a damsel in distress, helpless, so that I do not have take on the responsibility myself. Because Kayla’s mom does not reinforce her distressed damsel, Kayla will learn what she is capable of and will develop independence and confidence. Sometimes we all need that lesson.

As I have written before, there is no shame in asking for help, but there should be a timer set on assistance.  Take that hand, but know when it is time to let go.