Are You Guilty of Financial Infidelity?

Money and infidelity are said to be the top two reasons for divorce. If you are hiding purchases from your partner you may be guilty of both: financial infidelity. This may represent a larger problem or a lack of trust in your relationship. Here are some examples of financial infidelity and resources to help you work through it.

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The One-Minute Rule

Read Time: 1 minute

Think how often we say “I’ll do it later.”

If there’s something that can be done in one minute or less, do it right away.

  • Putting your clothes in the hamper
  • Replying to a text or email (marking it as read and archiving or deleting it)
  • Reading your mail then filing or tossing it
  • Putting your dishes in the dishwasher
  • Saying hello or asking someone about their day
  • Paying your bills
  • Making the bed
  • Meditating
  • Hugging your kids/spouse/parents before you leave

Tasks such as these might sound simple, but think how often we put them off for some unknown future.

Then we wonder why our inbox has 1,000 messages, there’s mail stacked on the counter, dishes are piled in the sink, and we feel stressed and overwhelmed and alone.

I practice to stop thinking in terms of being “too busy” for something or someone. We’re all busy. We all also have the same number of hours in the day. What separates us is how we choose to use them.

Name one thing that you can do in one minute or less. Do it now without delay.

You’re Not a Failure, You Just Need SMARTER Goals

By January 9th, most people have already given up their New Years Resolutions. While you may rank resolutions for improving your finances or health high on your list of importance, chances are they’re not quite as high on your list of motivation. To set ourselves up for success, it’s crucial that we have a plan on how we will reach our goals. You may have heard about SMART goals, but if you really want to implement change, set SMARTER goals.

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How I’ve Dealt with Depression During the Holidays

Many people experience depression during the holidays. You may be surprised to learn that I’m one of them. Each year, I become incredibly sad this time of year. I tend to spend a day in bed, feeling empty, and crying. For me, it’s not about Christmas, but my birthday. There is this overwhelming feeling of loneliness that takes over. Last year was the first time I didn’t feel this way. I made a conscious decision to do something different. Here’s how I actively managed my depression.

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Affordable Mental Health Treatment

Many Americans are living with depression, anxiety, post-traumatic symptoms, substance abuse, shopping or gambling addiction, or adjustment to illness or other life stressors. Please don’t feel you have to go through it alone. Money should never be a barrier to receiving mental health services. There are a number of free or affordable resources. Here are a few. Continue reading Affordable Mental Health Treatment

Preventing Burnout

November is National Hospice and Palliative Care month. This month, the work of psychologists, social workers, nurses, caregivers, and others who provide high quality care to patients coping with serious or life-threatening illness is recognized.

As a psychologist working with palliative care patients, I’m often asked what I do to prevent burnout at work. Here are some suggestions inspired by minimalism for preventing burnout. Most of these tips can apply to anyone, regardless of their occupation. Some of these I’ve been doing well, others I need to work on.

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ACT to Save Money from a Psychologist’s Perspective

Inspired by a form of psychotherapy called Acceptance and Commitment Therapy (ACT), I’ve changed my thinking about personal finances from “how can I save more?” to “what do I value in life?“. Here’s how you can build a better life based on your values, and save money in the process.

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Fewer than 1% Received Loan Forgiveness!

If you are relying on Public Service Loan Forgiveness (PSLF) for your federal student loans, know this. Data suggest that only 0.003% of applicants have had their loans forgiven! Here’s why many applications were denied. I also discuss my decision for paying off my loans without using a repayment program, thereby saving thousands of dollars in interest (and buying my freedom)!

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