transformation

Money-smart, marriage-smart.

money-smart-Cost-of-Marriage

My husband and I left the room after two hours, spent, hungry and light-headed. Had we been arguing, engaging in “afternoon delight,” or working out? Nope. Just talking about money. We joked that we were “divorce-proofing” our marriage

I wasn’t always money-smart. My family didn’t buy lottery tickets, but somehow believed money would magically appear. Budgeting was for the bourgeoisie. My father spent as he wished, while my mother fretted, saved and arranged deck chairs as their ship slowly sank. Though they recovered financially, I was imprinted by their mixed messages.

Additionally, I was a math-phobic child. Multiplication tables caused me to white out with fear. I failed math every year of high school, barely passing it in summer school. My math illiteracy led to an avoidance of anything financial.

In my first marriage I was frugal, but like my parents, mostly ignorant or in denial about the state of our finances. My then-husband would tell me cash was low and not to spend until a check cleared. Instead, I’d hear “The apocalypse is coming. Buy cereal, toiletries and paper towels,” and overdraw our account.

I regularly engaged in financial infidelity — hiding purchases and misrepresenting my income. Yet, we rarely argued. Discussions about money were off-limits. Clearly, I had baggage I wasn’t ready to unpack. Money avoidance was only one of our issues, but a metaphor for lack of intimacy and transparency in other areas. For 25 years we arranged deck chairs on our own sinking barge. In 2006, I jumped ship to a new life.

My first act of financial transformation was preparing a budget for the divorce lawyers. I was terrified to find out my true fiscal state, and wrangled a girlfriend to walk me through this basic skill. I felt like that kid who kept failing math.

As we plugged in the numbers, I was stunned to find that a modest apartment, saving for both retirement and a down payment for a house were actually affordable. Expenses that didn’t matter anymore were gleefully slashed, like cable TV or a new car — making room for such luxuries as hair foiling, eating out and vacations. This math was fun!

As I started dating, I developed a checklist of desired attributes. At 46 years-old I got to pick. He didn’t have to be rich, but his finances couldn’t be a hot mess either — that was my old life.

My new boyfriend Dave and I had many wonderful things in common, but some not so lovely. We shared a fear of money and a checkered financial history. Aside from a small car loan, I had strangled the debt goose, but Dave still had money troubles; a good deal of debt and an upside-down mortgage. Though most of the debt was due to his late wife’s illness, his balance sheet was a yellow flag to me.

It wasn’t romantic, but some of our early discussions were about finances. Turns out, my new love was naturally frugal, but didn’t like to say no to his significant other — a recipe for money problems. I, on the other hand, was a spender, and splurged when fearing scarcity — often on useless items or impulse buys.

Instead of pre-marital counseling, we took a budgeting class together. We unearthed our inner money nerds and worked on changing bad habits — excruciating at first. The angriest we ever got with each other was in structuring our debt repayment. Having hit a wall, we hired a financial coach with Solomon-like wisdom to referee. Resolved and secure we were on the same page financially, we became one in the eyes of God, the law, and our bank account.

By tightening our belts, living in a cheap apartment and driving beater cars, we were debt-free in three years. Five years later, we are now on our way to paying off our simple home and securing a bright financial future. We still make mistakes, “forget” to mention purchases and impulse-buy on occasion, but quickly right the vessel.

Dave and I trust each other and don’t have secrets; it’s the basis of intimacy. Full-disclosure financially has also required us both to put our oars in the water and pull in the same direction — good for any couple. And that’s a ship neither of us are likely to jump.

 

5 tools to supercharge your resolutions!

2014 tools resolutions weight loss improvement

I hate New Year’s Day. It’s that time of year when I flog myself over holiday misdeeds of over-eating, not meditating and being too sedentary. My diet for the last month has mostly consisted of cookies and meat — a kind of of modified Paleo. I rarely got to the gym and didn’t eat a single fruit all Christmas, if you don’t count the raspberry jam in the thumbprint cookies I snarfed.

I scramble for a resolution that will shortcut me to greater fitness, flexibility and the loss of those extra pounds that have overstayed their welcome like a bad holiday guest. But, the good thing is, at the age of 52, I’ve had some success in personal transformation.

It’s times like these, when the inky darkness of winter and post-holiday doldrums threaten to engulf me, that I think on past victories and remember the principles and practices that have led to lasting transformation. Maybe they’ll help you too.

Acceptance
Nine years ago I had an uncomfortable moment of truth when unexpectedly viewing a photo of myself in a bathing suit. It was a brown, ruched affair and I looked exactly like an unhappy potato on legs. After a fat caliper test, I was appalled to learn of a body fat percentage of 30% — sneakily close to obese. Instead of denying reality or hating myself and drowning in a sea of Ben & Jerry’s, I calmly made peace with my body as it was — then lost twenty pounds.

Forgiveness
The best time to make a meaningful change in life is (insert number) years ago. The next best time is today. I stayed in a sad and unfulfilling marriage for 25 years. It was tempting to blame myself for the lost years and all the love not gotten, but it was pointless. I could not have left a moment sooner than I did. I looked kindly on the girl I was, embraced her anyway, and learned from her mistakes to build a new life of love and fulfillment.

Teachability
I was a stiff-necked kid who couldn’t be taught a single thing — an unfortunate result of being a naturally talented, overly adored first-born girl in a competitive family. But, talent is a bus that doesn’t go to the end of the line without a refuel — that’s where teachers and receptivity come in.

When I entered my thirties and wanted to progress in music, my father delicately suggested I take voice lessons from his choirmaster. The teacher could not have been more encouraging, and soon I quit bellowing like a moose and started really singing. A good teacher (and a willing attitude) has been the fastest way to learning new skills and making big life changes.

Moderation
When I was 18 and a freshman in college I started running with the cross-country team. I went from being relatively sedentary to running five miles a day — every day. On the advent of our big first meet, my lower legs were in excruciating pain. A doctor’s visit diagnosed shin splints — painful micro-breaks in the shinbones — a result of over-training.

As an adult, I’ve learned to pace myself and get some form of exercise every day, even if it’s just a leisurely walk with a friend. On icy, windy days I might choose the stationary bike in the basement with the latest from Netflix. At times I take it easy on myself and do almost nothing physically. After 34-some years of mostly continual fitness, I’m in it for the long haul and realize that slow and steady truly does win the race.

Courage
Two years before quitting my job, I knew I wanted to walk away. But, the idea of leaving a 30-year career filled me with anxiety. For all my blather about taking chances and being adventurous, I am, essentially, a groove creature.

After crunching the numbers with my husband and determining we could (frugally) live on his income, I hit a wall. I called it every name in the book, but it was generic, yellow-labeled fear. I drew on the wisdom of Mark Twain’s bromide, “Courage is not the lack of fear. It is acting in spite of it” and jumped into the abyss and got to work. I have not looked back. Now fear is taken as a sign that I’m onto something. Let the adventure begin!

This year, I have made some resolutions: put away my clothes after wearing them; lose five pounds; write a business plan; complete that book I’ve been talking about for years; write thank you notes; de-clutter the house. Some of them I’ll honor, others will burst like yesterday’s champagne bubbles. What I won’t do is hate, nag or be unkind to myself. That’s one resolution I’m planning on keeping.

 

Be kind. Start with you.

vulnerability kindness self love hand butterfly

The contrast between the women in the two videos could not have been more stark.

The first woman kept her head down, talking lovingly to a baby in her lap, not looking up until addressed directly by the cameraman. And then, she looked pained, as if she found showing her face excruciating — for good reason. She was heavy — lumpish, her face shiny with oil and beet red with acne. Her hair was short, manly and dishwater blonde. Her glasses were thick, large and unfashionable, as were her clothes. After awkwardly facing the camera, the woman’s head dropped back down to the baby in her lap — closed again to scrutiny, trying to hide on a front porch in the mid-day sun.

The second woman is seen from a distance, singing to a crowded, buzzing concert hall. She’s wearing a low cut, body-hugging, cherry red dress revealing a shapely, lean figure. Her arms are flung wide to the well-dressed audience, face open and happy as she moves smoothly to the music on glittery black stilettos, accentuating muscled legs. Her fashionably cut, shoulder-length blond hair swings to the music — The Way You Look Tonight.

Both women are me. The first video was shot 23 years ago, when I was a mom in my twenties, the second, from a concert I recently performed while visiting relatives in Minnesota. Not long after that event, those same relatives and I viewed that first video of our kids … and a much different version of myself at 29 years of age.

It was fun to see our now-grown children as babies and toddlers, but I had not reckoned how viewing my younger, tortured self would feel. I had all but forgotten that girl, destroyed old pictures, and expunged my mental palette of her sadness, agony and ugliness. Viewing her, I felt the old shame and revulsion, but something more — deep compassion.

I wanted to reach into the screen and pull her away from that peeling porch, that ramshackle house and take her to a place of love and gentleness. I longed to undo the ridicule she received in middle school, free her from the cage of apparent security that conservative religion had provided, enlighten her to her latent musical talent, but most of all, show her the inherent beauty her body possessed, the tenderness in her blue-green eyes, uncover the radiant smile hidden for so long.

I yearned to tell her that she deserved kindness and respect from everyone around her. I needed to let her know that as long as she hated her body and waged war on her face she would mistreat it and feed herself poorly. I wished to reveal that most women know tricks — magic tricks to play up their beauty and minimize flaws to stunning effect. I could teach those tricks to her!

I felt desperate to rewind time and save her, but realized, with a jolt, that I already had. The massive changes which began shortly after that first video, had transformed me and culminated with a powerful metamorphosis; I finally accepted myself — no exceptions. I embraced flaws and fears, then parted with an old self-image that thought unkindness was OK, that not being loved was my lot. I learned that the most important person to impart that love was me.

Secure in that love, I left a marriage that was long dead, built a new life, and created an exterior as beautiful as the interior I had always possessed. And, in a surreal reversal of fate, now publicly performed with exuberance, power, and femininity — about as far from that 29 year-old as a housefly is from a phoenix.

My reaction to the first video made me wonder if I’d accepted my shadow side: what Carl Jung described as the “aspect of the personality which the conscious ego does not identify in itself” — in this case, vulnerability, weakness, fear of abandonment and self-hatred. But, it turns out, the aversion to the video was a merely a vestige of an old self.

I am not the insecure and critical girl I once was. The gentleness and patience I now grant to myself is given to everyone in my life. I can walk into the burning buildings of people’s misery and troubles, with warmth and empathy. The alchemy is complete.

But sooner or later, age brings deterioration and illness. Looks are lost and talents may fade. Careers end, fortunes evaporate, loved ones die. What then? In making true peace with the awkward, unattractive girl I once was, I will return to that same bedrock of love and acceptance for the aged, diminished woman I will surely become.

I deserve it — we all do. Then, now and forever.