Moving On - Page 8

Rebuilding your life after divorce is a journey of self-discovery and new beginnings. This topic offers inspiration, practical advice, and strategies for healing, personal growth, and embracing new opportunities, whether you're navigating co-parenting, re-entering the dating scene, or rediscovering your passions and purpose.

How to move on from a relationship
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Wallow no More – How to Move on From a Relationship Break-up

Adele Theron Speaker, Author and Founder of The Naked Divorce
Adele Theron
Speaker, Author and Founder of
The Naked Divorce

I want to ask you something. And I want you to answer honestly.

How many times this week have you mentally replayed a fight that you had with your ex?

Maybe not an actual fight – maybe you pictured what you would, or should, have said to them? A confrontation you never had? The killer blow you wish you’d delivered at the time?

And now: how much of your life do think you spend like this? Trawling through negative memories? Reliving the things that make you feel angry and bitter?

Dissecting. Analysing. Obsessing.

Does any of it make you feel happy? Does it put you at peace?

Of course not.

Resentment is destructive. Resentment is the thing that keeps us rooted in a broken, ugly past.

And life is too short to start each day with the broken pieces of yesterday.

Your breakup was miserable enough the first time, right? If you could somehow go back and spare yourself all of that pain, wouldn’t you?

Then why do you inflict it on yourself time after time? Why are you voluntarily repeating those experiences every day of your life?

It doesn’t matter how many times you conduct that fight with the imagined version of your ex. The outcome will never be different. It doesn’t matter how much time you devote to dwelling in the past, the present is still the present.

And if you don’t stop wallowing and start living, you won’t just have lost out on yesterday – you’ll lose today, too.

Do you really want to give that to your ex?

After all, as the saying goes, resentment is like taking poison and waiting for the other person to die.

It’s time to stop drinking the poison.

It’s time to stop letting resentment rule your life.

It’s time to let go.

Easier said than done? Of course it is. But that doesn’t mean there aren’t practical things you can do.

Here Are 6 Powerful Steps to Take Today:

Declare an amnesty. Make the decision to stop waging a mental war with this person and with yourself. You need to recognise that enough is enough before you start to tackle your feelings.

how to move on from a relationshipAdmit to yourself that you’re an addict. Resentment gives you a rush. That intoxicating sense of letting your rage run wild, if only in your head. The buzz of taking the moral high ground, feeling yourself wronged – and righteous. It’s chemical. It’s a hit. That’s why you keep coming back. And you need to stop before your addiction gets out of hand.

Accept that your resentment is futile. No matter what happens in the confines of your mind, it will not change the past. Neither will it influence other people, past or present. It can’t stop them rejecting you or force them to give you the things you crave. The only person it controls is you.

Get to the bottom of it. Time to get it all out. In one column, list all the reasons that you resent your ex. Every tiny thing they did, or that irritates you about them. Don’t censor yourself: it doesn’t matter how small or stupid or irrational, write it down.

In the next column, write down exactly why you resent this thing. How does it make you feel? Why does it upset you? Why does it make you feel threatened? Is it possible you’re confusing the way this person makes you feel with how someone else made you feel in the past?

Finally, in the last column, be brutally honest. Is there any way in which you contributed to this problem? Ways in which you misread the slight or blew it out of proportion? Ways you could have managed the problem better? Did you tell them how this was affecting you? Did you stick up for yourself?

Forgive where you can. Forgive yourself. For any ways you might have let your past self down. Ways you secretly believe you were weak.

Next, forgive the object of your resentment for the things you can bear. Things they might not, really, have done out of malice. Things they simply messed up on. The things that upset you because they dragged up old feelings and insecurities, rather than because they were intrinsically cruel. Things that, ultimately, no longer matter.

Make an action plan. Resentment doesn’t make you stronger, but decisiveness does. Plan what you are going to do to stop yourself from getting hurt like this again. How will you respond assertively to nip things in the bud? This is where you will really take control. It’s where you’ll really start healing.

Getting over resentment won’t happen overnight. It’s a process. But it’s a journey you need to begin, and soon, if you want to avoid your past swallowing up your future, too.

Know someone who needs to hear this? Please share this post with them today.

About the Author

Adele (www.nakeddivorce.com) is an author, executive coach and change management specialist who has spent the past 19 years helping people cope with change and overcome trauma.

Adele has worked within large international corporate programmes so this is why she and her team are so results driven.

She has worked with over 6,500 people to achieve rapid transformation and has published several books and articles and has been featured in nearly a hundred publications across the globe.

Adele works globally and as your Divorce Angel, you can count on her to handle anything complex. With the hundreds of people she has counselled through divorce there isn’t a situation she have not seen or encountered.

Adele specialises in family issues, multiple traumas, PTSD treatments and divorce planning. She runs all the Naked Divorce Retreats in Thailand, the Miracle programmes and runs Group sessions.  

Adult Children of Divorce

Helping Adult Children of Divorce Cope with Divorce

Women and Divorce
Wendi Schuller
Author of
The Global Guide to Divorce

Adult offspring are sometimes an overlooked group when it comes to divorce.  Support is given to youngsters with more people looking out for them, such as teachers and coaches.

Although adult offspring may have encouraged unhappy parents to split – it is not okay to utilize them as sounding boards or guidance counsellors.

Parents can fall into the trap of using their grown up kids as a confidant.

Thirty years post-divorce, my friend’s father felt the need to spill the ugly details of the reason behind their divorce. Lena vaguely remembered something about her mum had an affair. Hearing the lurid tales about it was quite upsetting, with her dad stating that he was only telling her this “To set the record straight.”

These big kids are not to be privy to divorce details even years later, when in their fifties.

Although they are adults, these individuals are still dealing with divorce issues. These sons and daughters may be losing their family home which is jarring even when living many kilometres away. This means sorting through their childhood memorabilia in the midst of angry parents divvying up personal assets.

They need some space away from both parents. Having distance is helpful in processing their mixed emotions, especially if the divorce news was a jolt out of the blue.

Adult Children of Divorce
Helping adult children of divorce cope with divorce

An adult son or daughter may appear to have it altogether, but can be hurt little kids inside. Do not assume they are alright – ask if they are okay.

They may be afraid to burden you with their unresolved issues, so encourage them to express their feelings to friends. Having a talk with their godparent or older family friend can be therapeutic. If they are floundering, a divorce coach can help them deal with the divorce situation.

Just as with young ones, do not criticize their other parent, or make it seem as if they have to choose sides. Do not ask them to deliver messages or put them on the spot with questions about the other parent.

If you are divorcing their step-parent do not put them down. Your child has their own separate relationship with a step-parent and may desire continuing it after the divorce. They do not want to shut the door to it, by becoming your cheering squad during your divorce.

I know of a few biological parents who tried to coerce their adult offspring to end step-parent relationships by insinuating it was a matter of loyalty. That does not work.

Your adult offspring may have their own youngsters who are trying to come to terms with the divorce. Reassure your grandchildren that they are not losing grandparents, but will see you separately. You will still have fun times. Think about continuing the rituals that they enjoy doing with you.

It may be baking holiday goodies or puttering around in the garden. Some newly divorced grandparents encouraged the parents to take some holidays away together while they stayed and babysat. Their single status gave them more flexibility in taking care of grandchildren. Others take a grandchild on a short jaunt (with written parental permission).

It will take a load off your son or daughter’s mind if they realize their parents are coping well after a late in life divorce.

Let them know about the fun times you are having and the fascinating people you are meeting. Then they do not feel that they have to be your source of entertainment.

Moving on and showing others that you are enjoying your new life is a gift to your children. They have enough on their plate without constantly worrying about how you are doing post-divorce.

Reassure your adult offspring that you are fine. Think about having an adventure such as ticking a destination off your Bucket List.

Wendi Schuller - Global Guide to Divorce

About Wendi Schuller

Wendi Schuller is a nurse, hypnotherapist and is certied in Neuro-linguistic Programing (NLP).

Her most recent book is The Global Guide to Divorce and she has over 100 published articles.

How to Cope with a Break-up

How to Cope with a Break-up and Divorce

Women and Divorce
Wendi Schuller
Author of
The Global Guide to Divorce

Divorce is a life transition to move through as quickly as possible.

Yet some folks relive it over and over again. Their proceedings are their go-to- topic of conversation, which gets old. There are traps that keep one stuck in divorce instead of moving forward with life.

It is hard to forget about your ex when plotting revenge.

This may be repeatedly taking a former spouse to court for perceived infractions, or starting rumours which border on slander. Revenge is a way to keep attached to your former partner by wishing evil things to happen to them.

These revenge fantasies drain energy and time which could be used for something more productive.

People sometimes project their own emotional states onto someone else, like an ex-spouse.

If they are vindictive, they see their former spouse as that way also. Our views are projected onto others as if they are a screen or mirror.  A happy individual interprets interactions as positive and a bitter, angry person encounters a hostile world. A person stating on social media that their ex cannot move on is probably the one who is not letting go.

Could your complaints about your ex really be about your own issues?

Following the same routines as when married, may be a way of hanging on to that relationship. One’s former partner may have jumped ship for someone else, yet they are haunting the places that they went together as a couple.

Dining in your favourite restaurant as you did when married or replaying a song from your wedding keeps you attached. This is like lyrics from the 1980’s band Naked Eyes’ song: “I walk along the city streets you used to walk along with me. And every step I take reminds me of just how we used to be. Well, how can I forget you, girl? When there is always something there to remind me.”

How to Cope with a Break-up
How to Cope with a Break-up – Get out there!

Instead of going to the same Greek island or walking the streets of Paris that you roamed as a duo, discover new destinations.

Grab buddies and go away for a long weekend to somewhere enticing. Shake up your routines by finding new cafes and a favourite pub. It is time to exorcize your ex’s ghost by having new adventures.

Open the door and allow joy to enter your life.

Divorce evokes negative feelings such as tension and hurt. It is easy to fall into the habit of staying in the place of anger instead of climbing out of that dark pit. At first it takes effort and practice to notice the sweet things in one’s life – the bakery around the corner, the friendly barista at the coffee shop or indulging in a facial.

When letting go of rage, that clears a space for better things to appear. One cannot add more water to a glass that is already filled to the brim.  That applies to people too.

Get help if needed, to empty out the negativity that is not leaving any room for happiness. The point is to replace something that is not working (dwelling in negativity) with something that is beneficial. Look ahead instead of focusing on what is behind in the past.

Get out of your comfort zone and discover new strengths. One’s passions and wishes may have been buried during a tumultuous marriage. Contemplate what was enjoyable when you were younger and see how you can bring that back in your life. Some joined a drama class, others started Tai Chi, and post-divorced folks began running marathons.

The idea is to do something fun or stimulating which adds new purpose to your life. Connect with others, such as seeing friends more frequently and becoming acquainted with neighbours. Bringing more people into your life fills a void that surfaced with divorce.

When one’s ex is a mere dot on the horizon instead of a constant thought, one has moved on.  After a few people I know moved on after break ups, they began a different type of relationship with former partners, as good friends.

About Wendi

Wendi Schuller - Global Guide to Divorce

Wendi Schuller is a nurse, hypnotherapist and is certied in Neuro-linguistic Programing (NLP).

Her most recent book is The Global Guide to Divorce and she has over 100 published articles.

Her other book is The Woman’s Holistic Guide to Divorce. Web site is globalguidetodivorce.com.

Travel for the Introvert

Travel for the Introvert Post-Divorce

Women and Divorce
Wendi Schuller
Author of
The Global Guide to Divorce

Wanderlust may kick in after a divorce, when one is alone. Places that were not on your spouse’s Bucket List may be enticing to visit.

My introvert friend is finding travel more challenging than her gregarious acquaintances do. She has ruled out group travel, but this is a bit hasty.

Group tours vary vastly from those that march travellers around en masse eight hours a day to those that offer one quick orientation look around the city.

The American travel guru Rick Steves, suggests taking a fully escorted tour, however go on the excursions that would be more difficult to do on your own, like Machu Picchu.

Take advantage of the hotels and transportation, but opt out of some sightseeing and look around on your own if desired.  There are hybrid ones that get you to one or more places which include a short get acquainted with your destination tour in each new locale. They may start the journey by Eurostar or a flight to a city or island.

You’re picked up at the airport and taken to the hotel. There is an hour or so tour with the rest of the time on your own. The beauty of these is that the travel arrangements are left to the pros – you just show up. You get great rates since the tour companies are buying these trips from travel venders in bulk. There is a safety net to doing travel this way which is not there when you make all of your own arrangements.

The company representative (or contact person) is on hand to make recommendations, answer questions or be of assistance in emergencies. This is especially good for a first time visit to a region. I have seen some of these tempting trips listed as ads in British Women’s magazines.

There is another option to sailing, but without the crowds, casinos and shows. The Norwegian Hurtigruten cruises are great for the solitary traveller. Some sail along the Norwegian coast, coming or returning to Bergan to drop the post off at small villages. They make up to seven stops a day, some for less than an hour.  This is a wonderful way to explore on your own and snap a few pictures.

Travel for the Introvert
Group Travel maybe? Travel for the Introvert.

Some ports offer an optional sightseeing tour. The coastal cruises have breakfast and lunch buffets with open seating.  The focus is on the spectacular scenery and not on shipboard activities.

They run year long, and people enjoy spotting the Northern Lights in the winter. Their sea sailings are laid back with no formal nights. A naturalist gives lectures plus may have tables outside on deck showing the local flora and fauna. There is a ceremony when crossing the Arctic Circle.

River cruises may be more in line for introverts with a hundred or so other passengers instead of thousands. They dock near the city centre with plenty of free time for individual explorations. The ships are small and one bumps into less people when finding a private corner to read.

Ocean going vessels can be docked away from the action and may spend less time in port. On some mega ships, there is an emphasis on the ship board amusements. Tables may be assigned, however one is free to eat in other dining areas by oneself. On ships, one can have the connection of being around others, without being forced to interact, especially at concerts or show. I enjoy both types of cruises.

Some singles have taken long train journeys and raved about them. They could be sociable or enjoy spectacular scenery from their cabin. The Ghan train in Australia was recommended by a solo traveller. I took a train from Bangkok through Malaysia terminating in Singapore.

Other people have embarked on train trips throughout Europe and Africa plus the Trans-Siberian Express. Another option is taking a bus trip such as on megabus. I thought megabus was more for the young backpacker set, but found out otherwise.

Middle age solo travellers book their ticket for multiple European destinations on the easy to use website. One can pre-book hotels and some city tours or decide what to do upon arrival.

An introvert can get away from it all and book a cottage by the seaside, lake or lovely village.  There are plenty of web sites and guide books listing private residences for short-term holiday rentals. Some singles go on long hikes such as Spain’s Camino De Santiago. There is the thrill of accomplishment when reaching the end.

Be creative with your travel arrangements in avoiding being part of the herd. Some divorced people have gone on trips with a particular focus, such as cooking photography or birding. One is around like-minded people who are concentrating on the activity instead of on small talk. Bon Voyage!

 

Wendi Schuller - Global Guide to Divorce

 

Wendi Schuller is a nurse, hypnotherapist and is certied in Neuro-linguistic Programing (NLP).

Her most recent book is The Global Guide to Divorce and she has over 100 published articles.

Her other book is The Woman’s Holistic Guide to Divorce. Web site is globalguidetodivorce.com.

How to Beat the Post-Divorce Blues

Women and Divorce
Wendi Schuller
Author of
The Global Guide to Divorce

It is easy to feel overwhelmed when stress and loss mounts up in divorce.

Going through monumental changes and downgrading one’s lifestyle can result in feeling blue. There may be financial worries and the realization hits that one will see the children only part-time.

If a person is prone to depression all of this turmoil can be a trigger that pushes one down that slippery slope.

One way to stop melancholy moods is with distraction. When sadness is like a DVD playing over and over in your head, substituted it with happier ones. The blues may hit unexpectedly like a huge wave, and that is when I mentally insert a DVD of fun times on holiday.

Sometimes I can banish morose feelings when looking at our holiday photos and reminiscing about our adventures.

Many people have expressed being in nature rejuvenates them. This is as simple as eating lunch outside or taking a stroll in a leafy area to lift one’s mood. There are hundreds of studies that back up the physical and mental health benefits of being out in nature.

A study out of The Netherlands analysed records of 195 doctors with the focus of seeing if living near a green space was beneficial to well-being. They found that there were less “disease clusters” for those who lived within 1 kilometre of a green space.

This particularly held true for those with depression and mental illness.

University of Washington has on their web site a result from a study where some participants took a walk inside and the others did out in nature. 71% of the ones taking a walk outside had a decrease in their depression as opposed to 45% who were inside.

Breakfast_at_TiffanysProfessor Jules Pretty from University of Essex and other researchers analysed data from ten studies.  The common denominator was being out in nature improves “mental and physical health”. Even five minutes in the green is shown to improve health.

Do something special for yourself. One friend has a glass of her favourite pinot grigio wine and watches a classic movie. This week she laughed her way through “How to Marry a Millionaire” with Marilyn Monroe, Betty Grable and Lauren Bacall. Last week her treat was watching “Breakfast at Tiffany’s.”

A divorced acquaintance watches snooker when thoughts of his ex-wife occur. When I am feeling blue, I enjoy a hands on treatment, such as facial (Neal’s Yard) or a pedicure.

Get out of your flat. Moping inside only compounds the blues, so go to a coffee or tea shop. If you are feeling lonely, chatting with other at the community table may be just the ticket.

If not in a sociable mood, take your book or laptop and be surrounded by people, but not interacting with them. One elderly divorced woman made it to daily Mass with a treat afterwards. She was not auditioning for sainthood, but having somewhere to go every day was important to her emotional well-being.

Go to the cinema or theatre. Being engrossed in a thriller or comedy is a great temporary escape from the stress of divorce. Crying through a heart-breaking film releases pent up sadness and despondency and one can feel so much better afterwards. West End has so many choices for whatever mood you are in, and I feel comfortable going alone.

Be with animals. There is something about their unconditional love and acceptance that lifts one’s mood. Having someone whose existence is dependent upon you helps give meaning to your life. Volunteering takes the focus off you and puts it on to someone else.

I enjoy my morning each week helping out at a cat rescue charity, cuddling the kittens. Being appreciated by these homeless cats helps to banish the blues.

Take up a new hobby or get back to an old one. One acquaintance got back into riding again and opened up a small sanctuary for horses. This twice divorced women barely has time to be sad with operating an equine charity. Others started dabbling with painting or enrolled in dance classes and other fun pursuits. Some have used interests or hobbies as a springboard for new careers.

Take a fitness class. Exercise increases endorphins which helps one to feel better. Endorphins also act as analgesics which dampens perception of pain in the body.

Exercise is a release for anxiety and studies have indicated that it decreases depression. Regular exercise aids is getting better sleep and diminishes insomnia. Get your body moving whether in the gym or outdoors.

If you are feeling depressed and cannot snap out of this, consider going to a divorce or life coach. They will help you gain insight into your situations and strategies with how to deal with it.

Short-term therapy can be beneficial in helping you gain clarity and move on with your life.

Wendi Schuller - Global Guide to Divorce

 

Wendi Schuller is a nurse, hypnotherapist and is certified in Neuro-linguistic Programing (NLP).

Her most recent book is The Global Guide to Divorce and she has over 100 published articles.

Her other book is The Woman’s Holistic Guide to Divorce. Web site is globalguidetodivorce.com.

Follow Wendi on Twitter,  Facebook, google+

 

Divorce for Men

Finding Happiness after Divorce

Women and Divorce
Wendi Schuller
Author of
The Global Guide to Divorce

Happiness may have alluded one during marriage and finding it after divorce is high on the list.

What exactly is happiness?

It is a transient feeling which requires frequent boosters. Planning an exotic getaway, buying designer shoes on sale, or a day at the spa bring on happiness temporarily.

Once the boost is over then one looks for another fix. We are born with a set point for happiness and various studies put it between 33% to 50%. This means that how happy we are is partly due to genetics and we can control the rest.

Some people seem to be born cheerful and others more morose, as I have witnessed in the school setting.

Andrew Carnegie, the American philanthropist born in Scotland, said “If you want to be happy – set a goal that commands your thoughts, liberates your energy and inspires your hopes.”

During divorce, just surviving and getting through it may be the goal. After divorce come up with long-term ones such as exploring the world, a better financial situation or balancing family and work.  Cultivating a positive outlook helps one to view the world as a friendlier, safer place. If one expects to be treated badly, then they perceive normal interactions with others as negative.

In one study on happiness, people were asked to think about a memory. The happier folks thought of happy ones. The test subjects who were depressed gravitated towards sad or unhappy remanences.

finding happiness after divorceWhat is the secret to happiness?

Harvard psychologist Dan Gilbert states “The quality of connections with people is the biggest predictor of happiness.” This message is echoed in a 75 year study by Harvard of 268 men in regards to life satisfaction and happiness. Psychiatrist George Valliant was one of the researchers who found that “The only thing that really matters in life are your relationships to other people.”

Post-divorce focus on the quality of the connection with other people. Having several close friends brings more happiness than 500 ones on social media. What is important is engaging with others. Strengthen your ties to friends post-divorce. American psychologist Jaime Kurtz has done much research on happiness in the field of positive psychology.

To sustain happiness is to have meaning and purpose in life.

Ask yourself these questions. What inspires you? What is your passion? What drives you? If you are drifting along and not sure what you want to do after divorce, map out a life plan.

Where do you see yourself next year, in five years, in ten? Giving back to others, whether volunteering, doing pro bono work, or mentoring helps give meaning to life.

It is easy to be self-absorbed and reaching out to others creates healthy connections. Some people post-divorce started practicing gratitude, where they learned on a regular basis to appreciate the good happenings in their lives. Stop and notice the little things.

If you were on your deathbed now looking back over your life – did you accomplish all that you set out to do? What would any regrets be? What would you have left unfinished and do you have a legacy to pass on to family and friends? This is a good starting place to examine what you want to still accomplish.

People that I talked to on their deathbeds, wished they had spent more time with others or had travelled to specific destinations. Let this guide you into have a more fulfilling life which brings happiness. Schedule fun activities with friends and family. Since these only affect happiness on a short-term basis, fill your calendar with these events.

This may be the time to adopt a pet who showers you with unconditional affection. It takes time to heal after divorce, however if feeling like you cannot climb out of a black pit, then seek some help.

Wendi Schuller - Global Guide to Divorce

 

Wendi Schuller is a nurse, hypnotherapist and is certied in Neuro-linguistic Programing (NLP).

Her most recent book is The Global Guide to Divorce and she has over 100 published articles.

Her other book is The Woman’s Holistic Guide to Divorce. Web site is globalguidetodivorce.com.

 

 

photo credit: ‘Happy’, United States, New York, New York City, Noho via photopin (license)

looking for finance
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Let’s Talk about Money – 6 Dos and Don’ts when Looking for Finance for your New Business.

Griselda Kumordzie Togobo
Griselda Kumordzie Togobo Owner of Forward Ladies

Are you looking for cash to fund a new business, purchase an existing business or franchise?

Finding extra cash features very highly on every entrepreneur’s wish list. Although a lot of people find investors to support their business ventures, there are also lots of people struggling to get their businesses off the ground due to lack of funding.

In this article I will be sharing with you the main reasons why some entrepreneurs struggle to find funding and how you can go about your funding process to increase your chances of success.

The Dos when Looking for Finance

  1. Get your business plan in shape

Your ability to produce a clear, succinct, well thought out and well-researched business plan places you a few steps ahead of the competition.

A lot of businesses don’t get funded because their plans are poorly written, over optimistic in their financial projections and poorly presented.

Don’t let this initial hurdle stop you. If you don’t have a business plan at this point, then go write one or get someone to help you put it together. If you already have a business plan, then refine it and have it reviewed by a professional.

What investors look out for:

  • Is the product or service commercially viable?
  • Does the company have potential for sustained growth?
  • Do you and your team have the ability to deliver this plan and grow the business?
  • Is it too risky to invest in?
  • Does the potential financial return on the investment meet their investment criteria?
  1. Stand out from the crowd with a mind blowing pitch

 The banks and investors receive scores of business proposals. Why should they spend their precious 5-10mins looking at yours? Make yours jump out from the rest any way you can.

If you are lucky enough to be given a platform to pitch your business, then this is your chance to grab their attention. Tell them who you are, what your business is, what’s unique about it, the amount you are looking for, what you will use it for and what they get in return. Cut out all the fluff and gimmicks and get to the point. Basically aim to blow their minds in under 3 minutes.

  1. Stick to what you know

Investors are looking for competent and experienced partners to work with. You have a better chance of finding finance if your business venture is in an area you have knowledge and experience about. As much as possible try to stick to what you know and avoid industries that you have no knowledge about. A team with the relevant experience is a MUST if you have no personal experience in the industry.

 

looking for financeThe Don’ts when Looking for Finanance

  1. Don’t forget the financial bit

The financial statements i.e. balance sheet, income statement and cash-flow statement shouldn’t be your weakest link. The quality of your projection will demonstrate to investors that you pay attention to detail and have properly thought out the financial implications of your plans. An accountant can help you with this area if you struggle with numbers.

  1. Six degrees of separation – don’t underestimate your existing contacts

Every article on funding starts with asking your friends and family, but few people take the trouble to exploit this avenue properly.

Our friends and families are our greatest supporters and are quite willing to support us provided we present them with a viable business proposition.

Don’t cut corners when pitching to friends or family. Be professional and show them how you can make them money. At the end of the day that is what most people are interested in. I had a friend who did a full on presentation of his business idea to my family.

Although we didn’t invest in his business, we were so impressed with him that we opened up our contacts to him. If there is only six degrees of separation between everybody on earth, you never know where this seemingly small step may take you.

  1. Don’t Limit your search

It may be that a cocktail of funding options is your only chance of securing adequate funding for your business. Do your research to identify the options available to you. Few businesses have only one source of funding.

There are age and gender specific grants and other funding options available to specific demographics of the population. Research the grants, banks and angel networks available, tailoring your approach to each source. Your geographic location doesn’t matter so much anymore, as investors are quite happy to invest anywhere provided it fits their investment criteria.

The quest for funding takes time. You’ll be better off starting now! Reach out to people, ask for help and let them share their experiences with you.

For those looking to buy existing businesses or franchises – why not ask for introductions to the seller or franchisor’s bankers? Their bankers already know their business, all you have to do is prove that you are capable of replicating their success.

Good luck and wishing you every success in your search.

Griselda Kumordzie Togobo is a business consultant, speaker and coach dedicated to helping business owners increase their profits and productivity. She is a chartered accountant and holds an MPhil in Industrial Systems, Manufacture and Management from Wolfson College, Cambridge University.

I’m also an Enterprise Ambassador at Leeds University and guest lecture on entrepreneurship.

I founded AWOVI Consulting after a career with an international professional services firm where I provided business advisory services to small and medium sized Enterprises, Charities, The NHS and blue-chip companies.

I also own and run Forward Ladies where I am on a mission to make a difference in the lives of entrepreneurs as well as career women. Check it out.

 

 

 

photo credit: Women In Tech – 73 via photopin (license)

What is a Freelancer
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Back to Work – What is a Freelancer?

Griselda Kumordzie Togobo
Griselda Kumordzie Togobo Owner of Forward Ladies

Being self-employed is a decision that isn’t taken lightly by most people.

The legal structure you choose to operate your business with should be taken just as seriously as the initial decision to go self-employed. This is because the legal structure impacts the potential risks, compliance issues, financial and tax implications that you will face as a self employed business owner.

Lets assume that as a first step into self-employment, you decide to trade your skills as a professional freelancer.

Freelancing and contracting tend to be used interchangeably however the main difference is with the number of clients you work with at any given time.

Whilst freelancers tend to work with several clients at a given time, contractors tend to be contracted to work with just one client over a fixed period of time. Whether you call yourself a freelancer or contractor is irrelevant to Her Majesty Revenue and Customs (HMRC), you still need to make sure that you pay the right tax on time.

HMRC are very keen on investigating “employees” disguised as limited companies in order to pay a lower corporation tax rate. This is called the IR35 status which every freelancer or contractor needs to be aware of. This can potentially create fines and huge tax charges accumulated as a result of being taxed at a lower limited company rate.

Freelancers enjoy flexibility, independence and freedom as a result of being their own boss. As a freelancer, you have the option of operating your freelance business as a sole trader, limited company, partnerships or limited liability partnerships or through a PAYE umbrella company.

What is a freelancer?  Each will be described briefly but it is always worth speaking to an accountant to decide the best structure for you.

Sole trader

A sole trader is simply someone who runs a business without registering it separately as a different entity.

This is the simplest and least cumbersome way of starting and running a business. All you need to do is inform the Inland Revenue within 3 months of starting to trade that you are now a sole trader.

The downside of being a sole trader is that you are personally liable and responsible for any debts run up by your business. This effectively means that your personal assets may be recovered to pay off any debts that your business racks up! A sole trader pays income tax and national insurance contributions on their earnings.

what is a freelancerLimited company

When you operate your freelance business through a limited company, you become a director who is responsible for managing the affairs of the business (which is considered to be separate from you).

Having a limited company offers some protection when things go wrong.

Your personal assets are protected in case the company has to be liquidated or dissolved which usually happens when the company is unable to meet its financial commitments.

You are personally protected from bankruptcy arising from business losses. This makes it easier to recover from any business failures and to try again. There are also tax advantages in the form of lower tax rates and deductible expenses for limited companies. Directors of limited companies pay both Income Tax and NICs on their director’s earnings.

 

Partnerships (ordinary or limited)

Partnerships are business where two or more persons, the partners set up a business and share the risks, costs and responsibilities of being in business.

Partners can be individuals, businesses or other partnerships. Ordinary partnerships are unincorporated businesses (the business has no separate identity from the partners). An ordinary partnership is the simplest form of partnership much like a sole trader.

With limited partnerships or limited liability partnerships the business is registered as a separate entity therefore the personal assets of the partners are protected when things go wrong, similar to a private limited company.

Each partner in any partnership needs to pay tax on their share of the profits and gains, and make National Insurance contributions on their earnings.

The main issues with incorporation (for both partnerships and limited companies) are the burden and cost of compliance. If you are however serious about running a freelance business then you shouldn’t be discouraged by the extra administration. In most cases, the benefits of incorporation far outweigh the disadvantages.

PAYE Umbrella companies

Freelancing through an umbrella company is a hustle free way of freelancing because you effectively outsource the invoicing and administrative aspect of being in business to the umbrella company who act as your employers.

The umbrella company acts as an agency and contracts you to various organisations.

The umbrella company pays you a salary through PAYE so you don’t need to worry about tax and NIC contributions but you potentially earn less than the other structures because you directly or indirectly pay for the service.

As a final word, starting any business venture is exciting but you must be certain there is a market and demand for your expertise.

Without demand, it can be stressful and an uphill struggle getting clients, which defeats the whole purpose of freelancing in the first place.

 

Griselda Kumordzie Togobo is a business consultant, speaker and coach dedicated to helping business owners increase their profits and productivity. She is a chartered accountant and holds an MPhil in Industrial Systems, Manufacture and Management from Wolfson College, Cambridge University.

I’m also an Enterprise Ambassador at Leeds University and guest lecture on entrepreneurship.

I founded AWOVI Consulting after a career with an international professional services firm where I provided business advisory services to small and medium sized Enterprises, Charities, The NHS and blue-chip companies.

I also own and run Forward Ladies where I am on a mission to make a difference in the lives of entrepreneurs as well as career women. Check it out.

 

 

starve your fears
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Life After Divorce – Starve Your Fears: Feed Your Confidence

Susie Johns
Susie Johns
Intuitive Counsellor and Life Strategist

Language is potent. Think about it; Starve – Feed.

Most women have had or continue to have, an uneasy relationship with being healthily fed; physically and emotionally.

We diet, even starve ourselves, we lose weight and we put it back on. In order to maintain a healthy weight we have to feed our healthy emotions and starve our negative fears relating to our body image. Otherwise all we are doing is transferring the obsession from eating to not eating.

Similarly, in feeding a confidence that sustains, we have to analyse the emotional source and patterns behind our fears in order to release them.

We know that going on a starvation diet just does not work, so that is why, to build up your confidence we need to think less about starving our fears but about feeding our confidence.

We are human and therefore, flawed and it’s normal to feel irrational fears; it’s completely unrealistic to eliminate fear … it’s an important part of our flight or fight mechanism, an integral part of our psyche.

Sometimes we can starve our fears to death but mostly, we need to think more about harnessing them and working with them; understanding their source; why they come to the surface at this particular time and how to safely work it through to arrive at a more confident, experienced you. It’s a little like managing a child, in fact, your inner child.

On a wider scale, fear is used in society to control the masses.  Fear cripples us and keeps us in our place; but what place? A place chosen by society.

By that I mean your birth, your talents, your limitations that allow you to have so much ‘success’ but we will cripple you if you try to go beyond your given ‘box’.

After years of patterning, we then take up the mantle of control and limitation and do it to ourselves. We become experts at feeding our fears and giving reasons not excuses for being stuck. We no longer need an outside voice to restrict our aspirations and our achievements. We give our fears a banquet!

Do not despair. You can change – we all can.

starve your fears
starve your fears and moving on after divorce. Coping with divorce and life after divorce

Firstly, identify your main fear. With many of my clients, for example, it boils down to a constant struggle between fear of success/fear of failure.

Attaining your goal and sustaining your success can be as daunting as failure. Failure can be a familiar, oddly ‘comforting’ emotion. UNDERSTAND your fear; know its origins; look at all the situations since that time which have reinforced and fed that fear. Now you can recognise the fear each time it enters your head.

Secondly, BELIEVE that you can change and transform the fear by feeding it a powerful rather than a fearful response.

Stella, was back in the workplace after being a mum for 7 years. She had acquired a great job based on her past credentials but she was so afraid that she would blow it in her first week.

I told her to remember a moment in her life when she felt on top of her career; to visualise the scene, to feel that emotion in her body and almost be there again; that every time she felt panic, she had to starve those feelings and feed herself with the positive visualisation. She had to find other moments of success and feed them to her brain before she went to sleep and before she got up.

So we come to ‘feeling’ those moments of success in every cell of our bodies. These FEELINGS of success begin to join up and there comes a critical mass that feeds itself and thus the fear is starved.

By continuously feeding our cells with ‘success’, there is no room for sensations of ‘failure’ and this is how it will wither away.

Remember, you have been feeding yourself incorrectly for years so don’t give up if things don’t change in a week. We have to keep doing it to succeed. Your confidence will grow and grow.

The key is to work on feeding your confidence, otherwise the doing centre keeps getting fed the old messages and will, at best, do a watered down version of it. If you find yourself feeling an old fear rising, replace it with a positive feeling. Then just breathe all this in and DO it. Think of this reprogramming as a continuous part of life. Practice really does make perfect.

Breathing is a simple and powerful technique that can feed your confidence. They say everything from the blood is fed into the cells on the Out breath. So, learn to breathe in for a count of 4 and out for a count of 8 – smooth even breaths. You’ll find your heart rate calming and your body relaxing and rebalancing quickly if you focus solely on your breath.

In my line of work, the Solar Plexus Chakra (energy centre) – is seen as our seat of self-confidence. It is here that we can feel our doubts and fears when under duress.

We slouch or fold our arms across it to instinctively protect this area. So, visualise a beautiful halo of yellow light around your midriff. See if you can feel the heat radiating from within. Feel this heat melting the fear.

So, to recap, identify and UNDERSTAND your main fear; be vigilant; watch when it shows itself.  BELIEVE you can transform it into positive energy that feeds your confidence and sense of self.  Put energy into FEELING differently about yourself and your situation.  Use practical methods to create new patterns of BEHAVIOUR based on your healthy feelings. It’s in this way that you starve your fears and feed your confidence.

Finally, remember, self-confidence is not about being perfect and always getting life right. Self-confidence is about feeling comfortable with who you are, flaws and all. It’s about trusting your integrity and experience to work things out and get to where you need to be.

We can all be a better realised person but our flaws give us compassion, humility, intuition and creativity. Make sure you feed this message to yourself as well as to others.

Susie Johns is an internationally acclaimed Psychic, Intuitive Counsellor, and Life Strategist; Her classes, workshops, articles, books, and private sessions empower people everywhere through self-awareness. Her goal is to help you gain insight into the bigger picture of your life so that you can face your demons, develop a plan of action, and overcome negative patterns to achieve true fulfilment.

 

 

 

photo credit: TEDTalksLive_20151102_RL15491_1920 via photopin (license)

being friends with your ex

Being Friends with your Ex – Is it Possible?

Susan Leigh
Susan Leigh

Often after a breakup there’s considerable hurt and disappointment to process as well as the many practical considerations that require attention.

Some people say they feel a failure; they never envisaged that their relationship would end in divorce. They may feel partly to blame or that they are letting down family, friends.

In addition it may be a massive struggle to come to terms with the various upsetting things that have been said and done.

Time often eases the hurt, enables the rawness to subside, and eventually some people do succeed in having an amiable enough relationship with their ex. This is especially important if children are part of the equation.

 

With that in mind let’s look at some ways you could start being friends with your ex again:

It may have been that a couple initially got together when they were young and didn’t know what they wanted or fully appreciate what was expected from a long-term relationship. Then there may have been massive readjustment at leaving work to become a stay-at-home parent or juggling the responsibilities of becoming the major breadwinner. This can be overwhelming and introduce unexpected, ongoing stress and pressure into a relationship.

  • Relationship counselling can be helpful in managing the negative emotions, conflict and potential breakup of a relationship. Two people are often in very different places emotionally, especially when a relationship is falling apart. It may be that one person perceives the other as being unreasonable or over-reactive. Relationship counselling can help both parties listen, appreciate and understand each other’s point of view.

Counselling can help improve communications by providing a neutral, safe, supportive environment. Some people have even been known to reconcile as a direct consequence of their improved understanding of each other through relationship counselling.

  • If that’s not going to happen then successfully managing a breakup and staying friends with your ex can include addressing your own ‘demons’. Learning from what went wrong is an important part of the healing process. If one part of a couple comes from a difficult background where they, for example, witnessed an acrimonious divorce or experienced harsh treatment like bullying, abuse or betrayal, they may be especially sensitive to any hint of rejection or feeling disrespected. Their partner may not understand why they are so sensitive or defensive.

Personal counselling can be an important part of your individual recovery and help you avoid repeating negative patterns in any future relationships.

  • Collaborative law is often regarded as the humane way to divorce, but both parties have to be committed to the process. Sitting around a table with various experts, financial advisers, counsellors and lawyers can enable proceedings to work smoothly and avoid the need for expensive or contentious court hearings. Both parties have to agree to each stage of the process and it works by treating them both with a ‘we don’t want to be together but let’s separate with mutual respect and dignity’ approach. Collaborative divorce supports future communication and co-operation, especially when children are involved.
  • It’s important not to forget that your ex probably knows you better than anyone else. They know, or certainly knew about your day-to-day fears, issues, concerns and have shared and hopefully supported you throughout those times. You used to love each other, laugh together, share your hopes and dreams, were made to feel special; you planned on being together forever. When a split occurs it means the end of that intimate day-to-day relationship, but reflecting on elements of your shared history and connectivity may be possible and enable you to remain friends, if not lovers.
  • It’s not uncommon to find some couples who actually get on better after their divorce. The day-to-day arguments, niggles and irritations have been removed as they resume being two separate, independent individuals. Some people even find that they rediscover their original attraction once the pressure of living together has been relieved. Their familiar shared history and connection can be a powerful magnet. After understanding and talking through the underlying reasons for the split it may be possible to start again and build a stronger relationship than before. It’s important though to take time to reflect, discuss and address what went wrong.

Time apart can enable both of you to become independent and clearer about what’s right for you, what you need and don’t need from a relationship. These insights may support you becoming friends again, perhaps on a different, more relevant footing for the future.

 

Susan Leigh is a Counsellor and Hypnotherapist who works with stressed individuals to promote confidence and self belief, with couples experiencing relationship difficulties to improve communications and understanding and with business clients to support the health and motivation levels of individuals and teams.

For more articles, information or to make contact please visit www.lifestyletherapy.net

 

go back to work

Divorce and Having to go back to Work

Women and Divorce
Wendi Schuller
Author of
The Global Guide to Divorce

The days of getting maintenance for life are over.

High wealth spouses may get a large settlement, but it is rare to receive spousal support for decades. If you have been a stay-at-home parent – your solicitor may insist upon you finding a job during divorce proceedings for these reasons:

  •  You have a source of income.
  •  To get a sense of empowerment. One feels more in control of their life when being employed and not being financially dependent upon someone else. When both spouses are making some money (no matter how little) the balance of power shifts away from the sole earner. One does not appear desperate during divorce, even if earning much less than their former partner.
  •  The new job’s salary can factor into the maintenance equation. In some countries the amount of income for both spouses is taken into consideration. Instead looking at a potential salary which can be unrealistic, what one is presently earning in the new job may be used when determining maintenance. For example, a nurse who worked with her husband in an office got a divorce and lost her job. Her solicitor mandated that she get another one immediately. She did, but in retail. She had not worked in a hospital in over two decades, yet her husband and his solicitor were trying to say her salary would be X amount if she got a job in the operating room. This was an unreasonable expectation, especially when other candidates would be more qualified for that position. Her solicitor said no, what she is currently earning would be the guide for the amount of spousal support. Had she not gotten that lower paying job quickly, she would have received less in support.

go back to workHow do you go about getting a job in a hurry? Update your curriculum vitae (CV), getting professional help if needed. Check the classified sections to get an idea of what jobs are available and their requirements.

The way many of us in the midst of divorce got jobs, was to ask businesses that we patronize if there was an opening. Yes that takes guts, but I did this and worked five years at that company post-divorce. An acquaintance going broke paying legal fees, unloaded her wardrobe at a consignment shop.

They gave her a job which she really enjoyed until she moved out of the city. A fellow with no experience in a restaurant got a job as a waiter, because the staff like his positive attitude as a customer.

A woman in my parenting class got a receptionist job at her cat’s veterinarian clinic. She then used some of this money after divorce to train as a masseuse. Even if a business that knows you does not have any job availability, they may know someone that does.

Let your friends and family know that you have to get a job right away and ask if they have any leads. Go to an employment centre for assistance.

There are some charities that help people find work. Ask other parents at your children’s school if they have any ideas. A few parents got part-time jobs at the schools, doing after school activities and other duties. The nice thing about this is that they see their children when they have shared care time with the other parent. Be creative, but not too picky. This is not something you have to do for the rest of your life.

If the other solicitor and your spouse insist that you can jump right back on the career ladder where you left off a decade or two ago, then do some research to see how much it would cost to upgrade your skills with training or to get a needed certificate.

Some fields now require a Master’s degree when they did not before, so check on current job requirements. A career coach can give an estimate on the cost of training to get you back into your career. This amount can be included in the divorce settlement. A career coach can guide you with how to get back into work or to take a new path.

 

Wendi Schuller - Global Guide to Divorce

 

Wendi Schuller is a nurse, hypnotherapist and is certied in Neuro-linguistic Programing (NLP).

Her most recent book is The Global Guide to Divorce and she has over 100 published articles.

 

 

 

photo credit: Woman and young girl in kitchen with laptop and paperwork smiling via photopin (license)

attraction and dating
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How to Get a Date in 28 Days (Part 4) – Practical Magic: A Guide to Attraction and Dating

Moving on after divorce or separation
Shelley Whitehead
Relationship Coach

This is the 4th part in our series on How to Get a Date in 28 Days.

In this interview Shelley Whitehead, certified life and relationship coach, talks about – Practical Magic: A guide to attraction and dating

You can listen to the previous interviews here:

Here’s some of what Shelley had to say in this interview on attraction and dating.

The dating world is a training ground for learning more about yourself.

If you’re coming out of a long term relationship, dating is foreign to you and there’s nothing better to get you on your way than getting out there and dating!

I encourage multi-dating.  This provides you with options and means that you are actively involved in the dating world.  This is one of the finest ways to increase your confidence, to learn about yourself and to learn how to handle men in a very authentic and vulnerable way.  Where you love your life.

When you are out there dating and multi-dating, remain honest and genuine that, that is what you are doing.

Let them know that you are out there having fun, looking to identify your ideal partner and you’re enjoying doing it!  This attitude to dating and life makes you even more attractive.

Here’s a great tip ladies on attraction and dating:

When you are out there, meeting someone new, when you ask questions be interested in the answers, be interested in his life.  Be complimentary about what is great about what he does.

Show interest and avoid talking about yourself all the time.  It can be quite off putting.  This is something you would like for yourself so do it for them too.

A woman who is working with high values, has boundaries.  She respects herself, she respects her time and she needs to put this across.

Listen, learn and enjoy the rest of this illuminating and helpful interview where Shelley talks about how and where to meet single men

Shelley is a Relationship Coach to Women ready to embrace a Second Chance at Finding Love. She works with individuals and groups of Divorced & Bereaved women, and those who have been disappointed in love – shelleyjwhitehead.com

photo credit: romantic evening via photopin (license)

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