What’s your perspective?
What stories are you and your partner making up about each other?
What stories are playing out each time you have an argument or disagreement?
Are those stories going around and around leaving you feeling like you’re stuck in perpetual cycle of repetition and never moving forward?
The trouble with stories is that we all believe that our perception is the correct perception and tend to forget that the same story, seen through someone else’s eyes, heard through someone else’s ears or felt with someone else’s emotions can be completely different to the story we’re telling ourselves.
I recently watched the musical “Come from Away” with my son. It tells the story of the 9/11 atrocities but from a very different perspective. It’s the story of the passengers on the 38 planes that were diverted from US Air space and had to make unexpected landings in the small town of Gander, Newfoundland and how the town suddenly doubled in size to in accommodating the 7,000 passengers who suddenly became residents until they were able to return home almost a week later.
It told the story of 9/11 but from a completely different perspective and it was riveting viewing. Many of the stories within the musical are true and whilst they all tell the story of 9/11, every single one of them is different.
The same story, so many different perspectives.
So many of the clients I work with are stuck in a story seen only from their perspective. When I suggest a different perspective, it takes them a while to acknowledge that theirs isn’t the only perspective, but I also see the penny drop; the light bulb goes on and they suddenly understand why they’ve been stuck in that perpetual cycle of repetition.
We all like to think that our perception of events is right, but often it takes someone completely objective to suggest that maybe the other party’s perception is right too. It doesn’t change our own perception but it does give us an alternative perspective.
When we break down the barrier that’s limiting understanding and start to step into someone else’s perception, then we can break the cycle of repetition and start to repair our relationship.
What do you need to see from your partner’s perspective today?
What barriers do you need to break through to rebuild your relationship?
The Strength of Trees
I had everything planned.
I knew exactly what I was going to do.
I had everything for my business planned to the ‘nth degree.
I was counting down the days until my son returned to education (he’s starting Sixth Form Drama College this year) and then it was going to be all systems go.
I was really excited, in that ‘Back to School‘, New Year, New Start way many of us feel at this time of year.
But then I was brought down to earth with a bump.
My son tested positive for Covid and missed the first two days of his new adventure.
My plans, so carefully mapped out, would have to wait at least another week.
I went into full on nurturing mum mode and dropped everything to ensure he was OK.
I was worried, we’d nearly lost my mum to Covid earlier this year, this was my boy, my baby. At 6 feet tall he suddenly seemed tiny and vulnerable, just like that long but delicate little baby I first met over 16-years ago.
Some things I’d planned got done but lots didn’t.
As my son started to improve, so I started to catch up. Then my partner suggested I took Friday off as I always do.
I was reticent at first, I had so much work to catch up on. But he insisted, having kept his Friday free to spend with me as he always does.
We compromised; I did some urgent work in the morning then we went out for the day.
We visited The National Arboretum at Westonbirt Arboretum, a day in the fresh air, surrounded by trees and absorbing their energy, their strength.
As we walked hand in hand through the acres of the Arboretum I felt the stress melting away, and we started to talk about our hopes, dreams and desires, reconnecting.
I felt calmness return.
We talked about our relationship, acknowledging that it seemed to have drifted recently because we’d both been so busy and not made each other a priority.
We talked about my son and our elderly parents.
We talked about what we each need to fulfil our own individual needs and dreams.
It was much needed time together to reconnect.
So when I got home and found that the technology hadn’t worked, my social media hadn’t scheduled and my authenticator app had lost all of the accounts stored in it, I didn’t panic, I didn’t cry.
Yes, I got annoyed but also recognised that it can all be fixed and starting putting plans into motion to fix it.
What was most important was that I stepped into selfish and spent time on my relationships;
My relationship with myself
My relationship with my partner
My relationship with my son
I spent time thinking about and planning my relationship;
With my parents
With my clients
Relationships take time. They take effort, they take commitment. Sometimes the best laid plans fall by the wayside, but if you’ve put the footwork in before and you make the effort to reconnect after, then those crises soon become little blips that can soon be overcome.
What could have been a mountain of a crisis, has been a mole hill that is being easily overcome.
What can you do today, this week to ensure future crises only become little blips?
What can you do today to Bring back the Bliss into all of your relationships?
Can you see the truth?
Bruises.
What story do they tell?
In my early days of talking about domestic abuse, people would always cite bruises as an indicator that abuse had taken place. But what if there are no visual clues?
I didn’t know I was in an abusive relationship until a policeman pointed it out to me. This was 5-years after I had left the relationship and was still getting hassle from the perpetrator. Even then, I didn’t believe it was abuse, I just thought it was a ‘normal’ acrimonious separation involving a child. Because to me it was normal, so I accepted it.
Many of my clients tell me about what is going on their relationship and I occasionally have cause to suggest to them that theirs is an abusive relationship. Usually their first response is ‘but he doesn’t hit me’.
We talk about it further and I explain that words and actions can be equally as damaging as physical violence.
Over time, I help them work out what they want to do in the future; some choose to leave the relationship, others choose to stay and develop coping strategies. It is always my clients’ decision and I support her appropriately. If however, I truly believe she is in danger, then I will intervene.
Over time we work together to fix those unseen bruises, the aches and pains that no-one else knows you carry around day after day, hiding them Behind the Mask.
Stepping Behind the Mask is scary, you never know quite what you’ll uncover. But when you know the underlying cause of any symptoms, you can start to fix them.
The bruise in the photo is of my hip. I was recently knocked off my bicycle by a car. That bruise and a bent and twisted bike are the only visible signs of the accident. It doesn’t mean that I don’t have damage and pain in other areas of my body.
Next time you ponder about your relationship, think about more than what you and everyone else can see. Download my e-book that tells my story about what it’s like living Behind the Mask: “Whatever it takes: Living with Leaving and Surviving Psychological Abuse”
Presents or Presence?
I recently celebrated my 50th birthday but I don’t have a single photo of my party to share with anyone.
Why is this?
Upon reflection I realise that it’s because all of us at the party were actually present in the moment rather than worrying about capturing it to share with the rest of the World.
Being present is something many of us forget about in our relationships.
How often are you truly present in your relationship?
Your partner arrives home from work and tells you about their day, but rather than listening properly you’re thinking about what to cook for dinner, what to tell them about your day, what time you have to pick the kids up.
You sit down to watch TV together but one of you is watching whilst the other is scrolling through social media on your phone.
You go out for dinner and rather than talk, you take selfies, photographs of your food, your surroundings and share them on social media.
When was the last time you and your partner really connected and were fully present with each other?
Try it today. Take just 20 minutes, put your phones on silent and out of sight. Spend 10 minutes each talking. Person 1 talks about their day or whatever they want for just 10 minutes without interruption, then person 2 does the same. Truly listen to what is being said. Watch your partner’s physiology. Do you notice when they become excited, angry, reflective, motivated?
Taking time out to be truly present with your partner is the best present you can give each other.
Presence is much better for your relationship, and more valuable than presents.
50 and Fabulous!
It’s a bit of a milestone in anyone’s life and I was asked how I ‘really’ feel about turning 50. Well the truth is I’m really happy about it.
The first 3 decades of my adult life weren’t great; 2 abusive marriages, a failed business, personal bankruptcy, a stint working in the sex industry, a ‘Pretty Woman’ moment then led to a third abusive relationship before I hit rock bottom just after my 40th birthday. I was depressed, suffering panic attacks, on anti-depressants and beta blockers and was too scared to leave my home. I was terrified people would discover that I’d been a sex worker and I desperately wanted my life to end. I certainly didn’t want to reach 50.
I wanted my life to be over, the sooner the better. I didn’t love myself and I believed I knew, and had absolute proof, that I was unlovable – I believed I’d discovered the evidence for why people didn’t love me!
So what changed?
I did.
I lay on my kitchen floor in the foetus position, feeling sorry for myself and and something inside me snapped. I recognised that the only way my life would change is if I took responsibility for it. No-one else was going to change my life for me.
Within 2 years I had gained my Equity card and Spotlight membership, I was fitter and healthier than I had been for a very long time and I had reconnected with the love of my life whom I’d first met 15 years before.
8 years further on from that at the ripe old age of 50 I’ve used my experiences to create a business that is built around my SIM© Methodology, embracing the lessons I learned from the sex industry, and the knowledge I’ve acquired as a result of studying for a psychology degree with the Open University, and latterly training to become a certified Neuro Linguistic Programming Coach, certified Hypnosis practitioner and certified Time LineTM Therapy practitioner. All of which are tools I employ with my clients where appropriate.
At 50 I’m fitter and healthier than I’ve ever been before, in the past couple of years I’ve run a half marathon and I’m seriously considering running another one next year. I have a healthy relationship with alcohol which used to be my drug of choice and I have a healthy relationship with food.
My relationship and sex life is fulfilling, full of unconditional love, trust, respect and fun and I have an amazing relationship with my 16-year old son.
I have a growing business which is something I’d only previously dreamed of and I’m helping women Internationally to change their relationships for the better.
For the first time in my life I have a healthy bank balance and perhaps more importantly, now I’m 50, I have a healthy pension pot. In the past year I’ve taken more responsibility for my finances than ever before. I’ve worked out what I need to do to clear the last vestiges of debt from the 10-year legal battle to become my son’s primary carer.
We have the ability to change our life and our relationships. As soon a we start taking responsibility for ourselves and then taking tiny consistent action, things change.
My Behind the Mask Programme was created as a result of my own experiences and studies, it’s transforming my clients’ relationships and it could transform yours too. Click here for more information.
Moments of Laughter
Today is Moments of Laughter Day which leads me to ask, how many moments of laughter do you have with your partner?
My partner, Floss, and I are gigglers. We can find humour in the daftest of things and when one of us starts laughing it usually sets the other off. I’m particularly bad, I start laughing but not a loud ‘ha, ha’, I laugh and shake but without any sound at all. Most people laugh at me laughing!
Some of our best moments of laughter have been in bed.
No, not when you’re thinking, although we have been known to stop mid coitus due to laughing too much. Our usual bed-time laughter happens when we mis-hear each other just as we’re falling asleep. I’ll start giggling, he’ll ask why I’m shaking, I’ll try to tell him through my laughter, then he’ll start to laugh too, and we’ll lie there, in the dark giggling away whilst trying to fall asleep.
There is actually something rather nice about falling asleep having giggled in the moments before.
This article shares the health benefits of laughter which include releasing stress and tension, and taking the focus away from anger and guilt.
What moments of laughter can you recall with your partner?
How long ago were those moments of laughter?
Taking Responsibility
This might be a bit controversial but bear with me.
Throughout life we are told we need to take responsibility for ourselves, our choices, our actions, our behaviour and so on.
So why is it, when there are problems in our relationships we are quick to apportion blame to our partner and stop taking responsibility?
No matter what is going wrong in your relationship, some of the reason for the issues will lie with you – there are after all 2 people in a relationship.
“How can you say that Deb, if someone is in an abusive relationship?”
Well, whilst I’m in no way saying anyone is responsible for being the victim of abuse, and we cannot be held responsible for the behaviour or actions of another, we are responsible for our choices.
Having had 3 abusive relationships I know I did not deserve to be abused however, I take responsibility by acknowledging I CHOSE to enter into those relationships, I CHOSE to stay in those relationships, I CHOSE to ignore the warning signs before and during those relationships, I CHOSE to allow the behaviour to continue without being challenged.
Likewise, when I had a partner who cheated on me, I acknowledged responsibility too – at the time I was more preoccupied with other things going in my life and not giving him the attention he wanted. We often take our partners for-granted and when I looked back I could see where things had gone off track.
This in no way condones any of the behaviour of my ex partners but it recognises that there were two of us in the relationship, each reacting to the other in one way or another, each believing that their reaction/behaviour is correct and acceptable so continuing to behave in the same way. It becomes a self-perpetuating cycle.
Most of our behaviour is learned from family and those around us, we have rules we live by on a day to day basis but in our own homes there is no-one, other than our partner, to challenge our behaviour. If poor behaviour goes unchallenged it becomes normalised and accepted, regardless whether the behaviour is actually acceptable.
What behaviour are you allowing to go unchallenged in your relationship at the moment?
What behaviour are you exhibiting that you could change to make an improvement to how you perceive your relationship?
What’s in a Name?
On World Theatre Day (Saturday 27th March) I reflected upon why I named my coaching practice Not A Rehearsal. Whilst I truly believe life’s Not A Rehearsal, my coaching practice is alsonamed to acknowledge my love of the theatre.
As a teenager my dream was to become a professional actor. I was offered a deferred place at RADA but turned it down when my then boyfriend proposed. I was 19-years old and we’d been together for 6 years. The prospect of being apart for 3 years whilst I studied was just too long.
I settled.
I settled in my relationship and I settled in life.
I settled for getting cast in leading roles in amazing productions in the local Amateur Dramatics community; from Irene Molloy in Hello Dolly! and Katie Brown in Calamity Jane, to Elizabeth Bennett in Pride & Prejudice, Lady Windermere in Lady Windermere’s Fan, Alice in a semi-pro production of Vinegar Tom, and the World Premiere of an opera, The Barber of Saville Row.
I learned to sing properly and to dance, I even learned to tap dance for Stepping Out and pushed myself beyond my comfort zone time and time again to deliver performances I could only otherwise have dreamed of.
My second husband wasn’t at all supportive of my acting passion and did everything he could to belittle me, mock me and destroy my confidence. But when I left him, I returned to the only thing I knew that made me feel truly alive – the stage.
Gradually my confidence increased and one-day I dared to apply for an audition in a professional touring production of a play.
I got the part and I knew my life would change from that point onwards.
It did. It led me to my partner, to the only unconditionally loving relationship I’ve ever had.
Following my dream, pursuing my passion, achieving professional status in my early 40’s enabled me to change my life.
It’s only right that my business name should reflect my belief, my passion and my desire to help other female professionals to create the relationships they truly want rather than simply settling; after all, life’s really Not A Rehearsal.
You’re only as old as you feel
Have you ever been out with someone younger than you and said that they make you feel young?
Have you ever been the youngest in a relationship and been told you keep your partner young?
Is there a rule written somewhere that says we have to have relationships with someone within 2 years of our age?
I worked with a client recently who had met someone. She’d spent time getting to know them, established they had plenty in common and she felt that he, like her, wanted to progress to a relationship but there was a problem.
A 17-year age gap.
I established that they were both worried about what other people might say so had decided they were better off as friends. It was making them both miserable but they’d agreed it was for the best.
For whom?
Two adults, with lots in common and an already strong platonic relationship were choosing to allow the opinion of others to halt their chance of future love and happiness.
I helped them work through it and they both agreed that actually age and an age-gap is just a number because ultimately you are as young as you feel.
What’s the age gap in your relationship?
“We don’t stop playing because we grow old;
we grow old because we stop playing.”
George Bernard Shaw
Did you ever dream of being a ‘kept woman’?
I don’t know about you but as a child I often heard the phrase “Wouldn’t it be nice to be a kept woman“. Back then I really didn’t understand what it meant but I recognised that it meant you would be looked after financially as you grew into adulthood and beyond.
Today I’m delighted to bring you a guest blog from Kelly East at Luna Financial Planning about the perils of being a kept woman and how you can start your path to financial independence.
Financial Independence
Having spent over a decade in financial services, I have met countless wonderful, clever, intelligent women who still receive an ‘’allowance’’ from their husbands for housekeeping!
Some women still have no idea what it really means to be financially independent and why they should start this process NOW!
My role as a financial adviser is to help clients, (particularly women) to really come to terms with what it means to be financially independent. I help clients embrace their financial freedom and guide them step by step through all of the stages and obstacles life throws at them on a daily basis.
Depending on experience, my clients may need help understanding what their financial goals are. For some it could be a very short term goal such as saving to buy a car or maybe a long term goal such as saving for retirement. The key is to always be realistic and specific and to start as soon as possible.
If you plan to support yourself and maintain financial independence, you need a clear understanding of your personal finances. Start by looking at your bank and pension statements, tax returns (if you’re self-employed), and any other investment / savings accounts you may have. Knowing your figures is the first step to success.
The Stats
According to Netwealth, it is the woman who suffers the most in heterosexual marriages following a divorce. They found that women are often the party with fewer financial assets. Women are more likely to take time off to care for family, and this can often result in lower earnings as well as a smaller pension pot in retirement.
Tellingly, nearly two in five divorced women regret not maintaining greater financial autonomy (39%) and greater financial engagement (37%) over the course of their relationship, according to the research.
Men fare far better, with 44% stating they have already saved or expect to save enough to achieve a comfortable retirement, for example, Netwealth found. I completely agree with Emma-Lou Montgomery, associate director for Fidelity International who said women need to start planning now and not wait until the worst happens. Giving some thought to what you would need in retirement should your marriage break down admittedly isn’t the most romantic of things to do, but it is important to be realistic.
Fidelity International found more than half (56%) of married women do not have a ‘Plan B’
arrangement in place. According to the Government’s own Wealth & Assets survey, one in ten married women admitted they plan to rely on their spouse’s pension in retirement, for example, even at a time where divorce affects around one in two couples. Worryingly, the same Government research found 17% of married women surveyed had no pension of their own at all.
Even those who do have much less saved; a typical woman has a pension worth just a third of a man’s, according to research by NOW: Women have pension worth £51,100 while men have around £156,500. Over-reliance on a partner for financial stability is all the more concerning with the rise of co-habitation, where those who are unmarried would have no automatic rights at all to the other’s wealth in the event of death or break-up.
Budget
A divorce can completely unravel both spouses’ finances for various reasons, which is why it is important you take control of your money after a marriage ends so that you can secure your own financial independence as soon as possible.
Budgeting is something each of us should be actively doing on a monthly basis no matter what our circumstances are. Why? because if you don’t know how much money you have coming in every month, how can you realistically expect to understand if you can afford to pay for the items you are spending on each month. Everyday expenses such as mortgage or rental payments, food, utility bills, children’s clothing, insurances, fuel, birthdays, Christmas, holidays etc etc . These are just a few of the expenses we may need to budget for …. the list goes on.
As a financial adviser I really do understand that the very start of a financial relationship with yourself is budgeting. I have created a FREE comprehensive budget calculator available for you to download and use at https://lunafinancial.co.uk/which covers items that perhaps you don’t ordinarily budget for, but nevertheless definitely need to be accounted for.
Our budget calculator will help you clearly identify if your current income is suitable to cover your current expenditure. It’s very easy to use and it’s there for you whenever you need it.
Budget for 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.
There are thousands of free yoga and exercise videos on YouTube instead of expensive gym memberships. Our local library offers lots of free classes including meditation and mindfulness as well as offering lots of free to rent books and movies.
Pensions on Divorce
Pension sharing isn’t always the first thing divorcing couples think of. Typically, most people focus on what will happen to the family home. But pensions are a huge asset and important when planning your future – so deciding what to do with them is extremely important.
There are three options for dividing up pensions as part of a divorce:
- Pension Sharing. Pension sharing is a formal agreement to divide your pension assets at the time of divorce. The courts work out exact percentages and the receiving party can become a member of the pension scheme or transfer the value to a new personal pension in their own name. This gives complete separation and is the most common option.
- Offsetting. The value of the pension is offset against other assets. For example, one spouse keeps their entire pension, and the other is given alternative assets (e.g., property or cash) of the same value.
- Earmarking. All, or part, of the pension is earmarked to be paid to one party when the other starts to draw pension benefits. There is no legal transfer of ownership.
LUNA Financial Planning’s approach is one of complete and genuine care for their client’s wellbeing. In our experience the financial and emotional challenges of a divorce require specialised planning. By planning before, during, and after the divorce you can achieve an objective, thoughtful and equitable settlement. We are happy to form a relationship with your solicitor and between us we can work together.
Credit Scores
Your credit score reflects your ability to get credit. The lower it is, the more you may struggle to get approved by certain companies. If you have little or no credit history, this could negatively affect your credit score. You’re probably thinking that’s a bit odd. If you’ve never needed to borrow money before and you have no debt, surely, you’re the perfect person to lend to? The thing is most companies like to see a good track record of sensible borrowing – it helps them decide if you’re likely to pay them back on time.
Unfortunately, you’re unlikely to get a high score without having used credit – even if you’ve taken other steps to improve your rating, like registering on the electoral roll.
It’s worth noting that some people may have a low score because of negative influences on their credit report, such as late payments. If this is the case for you, there are ways you can improve your score.
Ways to help build your credit rating:
Opening an account or getting a credit card can lower your credit score initially, before helping it improve. Experian Credit Reference agency suggest:
Get on the electoral roll. It’s quick and easy to register on the electoral roll. Companies use this information to confirm your name and address are correct and up to date, so it’s crucial to building your credit history. If you’re not eligible to register on the electoral roll (e.g., you aren’t a UK national), you can add a short notice of correction to your Experian Credit Report explaining why.
Open a bank account. Having a bank account and managing it well shows companies you’re financially responsible and starts to build your credit history positively. If you have an overdraft, stay well below the limit (using no more than 25% of it is a good rule of thumb) and try to pay it off as quickly as possible.
Get a credit card. If you’ve opened a bank account and are managing it well, the bank may also be willing to give you a credit card to build credit. Paying it off on time and in full each month will help build a positive credit history and improve your score.
Take out a small form of credit. This might be a mobile phone contract. They’re usually easier to get accepted for than credit cards but can still demonstrate your ability to pay your bills on time and be financially responsible.
Manage your household bills well. Looking after your utility accounts (e.g., water, gas and electricity) can help build your credit history and show companies you’re responsible. Even rental payments can improve your score, provided you make them on time and in full.
Thank you to Kelly East for this informative and practical advice. I also come from the school of thought that it’s important to have more than one stream of income. If you’d like to learn more about one of my income streams, enter your details here to watch a short video.