Bust a Rut – How to Get Out of Your Comfort Zone and Reinvigorate Your Life

I always start out the year by telling me students that part of my job is to make them uncomfortable.

Not by turning the AC down too low.

Not by unscrewing one of the feet off of their desks.

And not even by calling them up to the board to publicly solve a difficult math problem.

But simply by pulling them just beyond their comfort zone.

I begin by putting a diagram up on the board.

comfort zoneI ask them to describe the math that is within their comfort zone and I’m inevitably rewarded with elementary-level concepts: addition, subtraction, etc.

“So if we added and subtracted all day, you’d be comfortable?”

The heads all nod in agreement.

“And if we added and subtracted all day, do think you would ever grow?”

Brows furrow and heads cease their nodding.

“And if all we ever did was what you felt comfortable doing, do you think you would start to get bored?”

“Yes!” comes the choral reply.

“Now what about if I presented you with some 12th grade calculus problems? What would happen then?”

“It would be too hard.”

“We’d get frustrated and give up.”

“I’d panic.”

“It’s too far out of your comfort zone. You don’t know how to get there yet.” I summarize.

Heads nod again in agreement.

“So, where should we be in this class?”

A hand tentatively rises, “Just outside the comfort zone.”

I smile. “Exactly. Now, when we’re just outside our comfort zone, is it always going to feel good?”

Heads turn side to side.

“Are we sometimes going to struggle?”

The nodding returns.

“And what happens when we stay with it and keep practicing?”

“We get better.”

Holding out the marker, “Can you show me what that looks like on the diagram?”

reach

The bubble enclosing the comfort zone is enlarged, absorbing the area just outside and moving closer to what once seemed impossible.

———-

One of the common complaints I hear from adults is that they feel as though they are stuck in a rut. Those daily routines have become all-encompassing and all-too-familiar.

It’s sometimes funny working as a wellness/transition coach. I help some people establish routines (usually centered around healthy behaviors) and I help others break out of routines.

Because let’s face it – making flossing a mindless habit is beneficial, but turning sex into a robotic and automatic task is not.

We fall into ruts for the same reasons my students resist learning new material. It’s comfortable to stay where you are. It requires little to no mental energy and effort. It needs no learning curve. And the results come as no surprise.

But although it is comfortable, it is also boring. Predictable.

And boredom and predictability extinguish passion and excitement within a life like a wet comforter on a campfire.

Sometimes people respond to the rut by making extreme changes – they quit their job and embark on a 6 month trail hike, they cultivate the spark felt in a new relationship while they are committed to another or they cut all ties and relocate to a new city, starting over again from scratch.

And yes, those decisions are certainly going to pull someone out of their rut. But you don’t have to be so extreme (or inevitably harm others) to break out of your routine. Small changes can have big consequences, as my students illustrated on the board.

These changes should be large enough to create excitement and curiosity yet small enough to feel feasible without prompting panic. Some may become part of your normal experience, while others may be tried on and discarded. The duration here is not important. Doing something different is.

Take a New Route

Is your commute to and from work largely completed on autopilot? Yeah, me too. It means that day is book-ended with familiarity and routine. Try taking a new route one morning. Yes, you may have to leave extra time for the new path, but you will start your day more aware and alert.

Get Lost

On your next walk or run or bike ride, intentionally get lost. Take a turn you never have and explore the area. It’s amazing what you can find in your own environment when you allow yourself off your beaten path. Once you’re ready to be found again, either trace your back or let your phone guide you back to familiarity.

Teach a Class

You’re good at something. And you are probably well within your comfort zone when you do that thing. In fact, maybe it has even become a little boring. A great way to see it with fresh eyes is to teach that knowledge or skill to someone else. You can informally pass along your knowledge or you can find a way to teach a class through a church, a school, a community organization or even online.

Turn Off Technology

Technology has become our comfort zone. It’s a little scary when I see the panic every spring when all students and teachers are required to turn off and lock up their devices during standardized testing. We’ve become acclimated to always be reachable and always being connected. So, turn it off. It’s uncomfortable. Remember, that’s the point.

Change Seats

Which side of the bed do you sleep on? Which spot on the sofa is yours? Which sink do you use? Mix it up. It’s funny, due to Brock’s continual injuries, we end up switching sides of the bed every few months. I grumble, but I actually kind of like it (once I learn which side is “off” in the morning!) because it keeps us from settling into a set routine. Apply that idea in other venues. A small shift can create a big change in perspective.

Play

One of the reasons we get into ruts is that we forget how to play. Watch children – play leads them to try new things and explore new ideas. Don’t take it all too seriously.

Spend Time With a Person Much Older or Younger

Most of us spend the majority of our adult time with people that fall into the same income and age bracket as ourselves. Expand your network and, in turn, expand your horizons. When you interact with others who have a different experience, it enriches your own.

Do Something You’re Not Good At

When I sit down to solve a math problem or write a blog post, I have an expectation of my performance because those are things that I see myself as pretty good at. I pretty much know ahead of time what the experience will entail. But when I first pierced the skin of a bait fish and threw it over the side of the boat last summer? I had no idea what was going to come my way.

Switch Stores

You know that grocery store you always go to? The one where could almost close your eyes and still locate the particular brand of cereal you always buy? Take it off the rotation for a few weeks. Visit different stores. Like with a new route, it will take more time, but it will also make a routine errand become something more interesting.

Shake Up the To-Do List

If you’re anything like me, you have a weekly to-do list that doesn’t vary all too much – shopping, cooking, laundry, etc. Obviously, those things need to happen, but try to find a way that they can happen differently. For example, when I was feeling bogged down by my weekly Sunday routine of cooking my lunches for the week, I decided to pretend I was getting ready for a dinner party instead, complete with nibbles, music and sips of a preferred beverage. Much better.

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Specific To Those In a Relationship:

Spend Some Time Apart

And DO something while you’re apart other than the usual. It’s easy to have the same conversations about what needs to get done. It’s easy to zone out while your partner again complains about the same boss or shares about the same hobbies. By spending time apart and doing something different with that time, it creates some mystery and excitement.

Paint Your Dreams

In the beginning of a relationship, couples often share their dreams and life goals. Often, these broad and sweeping dreams get replaced by the mundane have-tos of daily life and the short-term goals of adulthood. Take away the restraints for an evening and spend some time sharing your dreams. It helps you to see what’s possible and maybe even gives the motivation to work towards something.

Change Rooms

This is an extension of the switching seats challenge. Always watch TV in the living room? Bring the tablet onto the deck and watch it there. Sex restricted to the bedroom? Ban it from the bed and try out the other rooms (just be careful of the neighbors if you decide to take that out to the deck too!). Always eat in the kitchen? Set the dining room table, even if it’s just for two.

Switch Roles

Everybody in a relationship gravitates towards certain roles because of skill or experience. It’s easy to take your partner’s tasks for granted and get into a rut with your own. So, trade roles for period. If you normally cook the meals, leave that to your partner and tackle the lawn. It can lead to greater appreciation and even some laughs.

Do Something Scary

Maybe it’s a simple as switching out the drama for a horror movie or as involved as jumping out of a plane. The excitement that comes from novelty and uncertainty is catching.

SEE Your Partner

At some point in a relationship, it’s easier to see who we think are partner is and hear what we think they say rather than to actually look and listen. And that’s because sometimes what we may see or hear may not be comfortable.

And While You’re At It, SEE Yourself Too

And that’s what ruts and routine are all about. We do what we do because we do it. It becomes as comfortable as an old robe and as predictable as a favorite movie.

And about as exciting.

So be a little uncomfortable.

And be curious.

Invigorated.

Alive.

How Do You Respond to Stress?

My plants are stressed.

After the crazy cool of July 4, Atlanta has settled in to a solid month of above-average temperatures and below-average rainfall. And my plants don’t like it.

Some have responded by going dormant, their bodies shrinking upon themselves and all thoughts of growth or blooms shuttered for the season.

But others have a different response to the stress. Rather than giving up, they’re choosing to give it all they’ve got. Using the pressure of the less-than-ideal conditions as a motivator to try something new.

How do you respond to stress? Are you folding in and shutting down or are you trying something new?

———-

My tenacious plants seem to rely on one of three strategies: creating seeds, sending out shoots or digging in deeply. Not surprisingly, these are the same basic stances I see in people who thrive after stress.

Creating Seeds and Preparing For Tomorrow

The imaptiens seem to know that their life is coming to a premature end. They accept that there is nothing that can be done to preserve the life they’ve had and instead of wasting their energy on a futile task, they are diverting it into the seeds that will begin the next generation.

In our lives, there are times when we have to accept that one chapter has ended. And we also can benefit from putting energy into creating the next phase instead of relentlessly trying to preserve what it already gone.

Sending Out Shoots and Seeking a Better Environment

The shrubs that surround my yard are desperately sending out new shoots, small plantlets carried out from the mother plant on thick rhizomes that stubbornly bury through the soil. The shrub simply knows that the soil where its roots are situated is too dry and that the exposure to the baking sun is too intense. Its own body is anchored and so it explores via outshoots, looking for a more hospitable environment.

Unlike the stationary shrub, people are able to manipulate their environment or leave to seek out a more favorable one when the pressure grows too intense. And people that thrive after stressful events make finding and creating that nurturing environment a priority.

Digging In Deeply and Feeding the Soul

In the spring, when the weather was wet and mild, the new daylilies kept their fibrous roots near the surface. Under those ideal conditions, they were able to obtain everything they needed from just those few inches of soil. But as the conditions intensified, the plants sent their roots deep into the soil in search of water and nutrients.

Thriving people also understand that when the going gets tough, the tough dig in. They accept that what was enough to feed the soul in the good times may no longer be sufficient. And so they root down into their core beliefs. They search to find and tap into their purpose. And they don’t stop until they have reconnected with their life force.

Because when the going gets tough, the tough get growing.

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.

The “F It” Point

f it

I’m not sure the exact moment I reached the “F it” point with my car, but I can easily identify the factors that contributed to the mindset.

I think it started with the broken trunk that refused to open without a complicated and tedious routine that involved simultaneously twisting a key, wiggling a latch and saying a prayer. I would only engage in the routine on those rare occasions when I needed to carry some large object that couldn’t be fed through the doors (okay, or when I “needed” to carry an insanely large amount of plants). It simply became too difficult to open the trunk to clean out errant receipts and other detritus that seems to accumulate in a car.

And then the leather seats (that elicited a disappointed “Oh, Lisa” from my mother upon hearing about my new purchase) started to crack at the point where the seat belt cuts into their previously-oiled hides. And once the orange foam guts started to spill, it seemed superfluous to condition the remaining leather.

The “F it” attitude intensified as my life disintegrated. The car and I were both jettisoned from our safe and secure life, leaving its metal frame exposed to the elements instead of protected in a garage. As the silver skin gained dimples from the repeated assaults launched by storms and the paint faded under the glaring intensity of the sun, I grew to care less about cleaning the exterior.

I realized recently how complete this attitude has become when my neighbor backed into my car, displacing and cracking the bumper, and I honestly replied “Don’t worry about it” when he came to my door to confess.

I knew it was time to break down and buy a new car once the “F it” attitude extended to the mechanical systems. When the needle indicated an overheating engine a few weeks ago, I found it difficult to summon even the small amount of energy and money needed to replace the malfunctioning thermostat.

Today, I’m working on cleaning out and cleaning up my car in preparation to sell it. It’s strange. The motions bring back memories of carefully maintaining the car for the first ten years of its life. Even though I no longer care, I remember when I cared very much. I just can’t summon that feeling any more.

Because that’s the thing with “F it” points. Once they’ve been reached, there is no turning back.

And the only thing you can do is walk away.

The Role of the Environment

They were everywhere.

Their tawny heads bobbing in the breeze atop three-foot high slender stalks anchored in grassy skirts. The common daylily is certainly common in Madison, Wisconsin, found in almost every landscape. And I was shocked to see them in such numbers. Because, in Atlanta, they are much more of a rarity.

Not because they struggle with the conditions.

But because they grow too well.

The common daylily (often called “ditchlily” in the south) thrives in the heat and humidity. Spreading on its own volition, it can be found in great swaths across neglected fields and breathing through the exhaust along the highways. It’s rarely found in cultivated landscapes because it does not play well with others. It seeks to dominate, becoming a monoculture if not held in check by sturdy borders or isolated by an elevated bed.

START NOW

In the short summers of Madison, the lily is much more polite. I saw endless evidence of common daylilies coexisting pleasantly with less vigorous companions. The conditions of the cooler climate hold the plants in check and fail to nurture the bullying behavior that is so evident in the south.

Same plant. Two completely different presentations in two different environments.

And, in many ways, we are just like the daylily. Some environments nurture our negative qualities whereas others cultivate our beauty and suppress our harmful drives.

But unlike the daylily, we are not anchored into the ground. We have the ability to choose our environment.

We have two friends that were in a relationship together for a few years. They loved each other deeply, yet together they created a toxic brew of negativity and drama. Eventually, the roots were pulled up and each found a new companion. And the same people, now immersed in a different environment, have none of the previous damaging behaviors.

It’s not always easy for them – they see the way their ex is now and wonder why he/she couldn’t be that way for them. They are different because their surroundings are different. That’s it. No nefarious plot or devious withholdings. It’s not something to take personally.

We all hold the potential to be noxious weeds or beautiful flowers. And it’s up to us to ensure that our environment nurtures the qualities we wish to multiply. And to understand that sometimes people in our lives require a different environment themselves in order to thrive.

I guess our parents were right – it really is important to choose your friends wisely.

I neglected to capture any photos of the ubiquitous daylilies, but here's an amazing view of downtown Madison from Lake Menona:)
I neglected to capture any photos of the ubiquitous daylilies, but here’s an amazing view of downtown Madison from Lake Menona:)