Set up automatic payments so they are initiated on your end, so that you send out money to the bill/ company you’re paying instead of giving them access to take money out of your account.
IMPORTANT: If you borrow money from someone pay it back as soon as possible. In full. If you borrow an item, return it in excellent condition. I’d say if you borrow a car, return it with a full tank of gas but hopefully by the time you’re driving there won’t be any combustible engines. So return it fully charged!
The "work" in "relationships take work" should be like the "work" it takes to go to the beach.
“Sure, you gotta pack food, beverages, drive there, park, and set up... But you get to the beach
Take the family on periodic “spending fasts.”
As an exercise, go a day, a weekend or a week without spending any money. Make due with what you have.
Encourage participation. Tie in spending fasts with holidays, lent or in support of a cause.
Cindy Otis, former CIA analyst offers great advice for dealing with the overwhelming onslaught of scary world news:
Here are several risks to being overloaded with disturbing/negative content.
✔️ Complacency - becoming so used to the deluge that it all starts to seem normal.
✔️ Paralysis - that is, being so overwhelmed, you can't figure out what to do/how to move forward.
✔️ Crisis perspective - you get trapped in the Breaking News cycle where everything seems like a potentially world-ending crisis to you.
✔️ Depression/PTSD - you don't have to be on the frontline of a war have either/both. Disturbing content is absolutely a trigger.
There are also serious physical consequences to living a negative content overloaded life. I had a colleague who didn't know he had stage 4 brain cancer because the symptoms were the same as our very stressful careers--exhaustion, random fevers, stress, and dizziness.
So, what do you do? First, I strongly urge you not to ignore the news/current events. Ignorance is one reason we have this society. It won't make the problems go away & contributes nothing to their solving. Now that that's established, here's how to make it easier to handle:
1. TAKE ACTION. Volunteer for a food pantry, canvass for a political candidate, donate to a NGO, visit a sick friend. Seriously. Service of some kind in your community lets you be part of SOLUTIONS. You will see RESULTS when otherwise you'd feel helpless.
2. Conversely, for those who may take tip #1 to the extreme--know that you alone can't save the world. Accept your limits. You aren't a 7/11. You can't always be open. At the end of every day when I reached my limit, I silently told myself, "I've done what I can today."
(Note: Repeating that to myself did not stop me from feeling like I could have done more most days. But it was important to tell myself anyway because I am human. We are human. It's good we *feel* things.)
3. RESEARCH BEFORE PANICKING. Easier said than done, but everything will seem like crisis/earth-ending if you don’t know what has/hasn't happened before. If it has happened before, it's can be hugely comforting to know how it was resolved and/or what might happen next. (9/)
4. GET UP & MOVE. Put the phone away, turn off the TV, log out of Twitter. Go for a walk, sit outside, get some coffee, call a friend. CIA is full of ppl walking the building with a colleague/friend. There's a reason. Our brains & bodies need breaks from stressful content. (10/)
5. SET RULES. Because of my work at CIA, I had a rule--I only read fiction at home. I had enough reality at work. In the civilian world, I set blocks of time each day where I turn everything off--no news or social media. Let yourself recharge so you can keep fighting later. (11/)
6. AVOID DARK HOLES. (I'm sure there's a joke to be made about that.) It's easy to get sucked into the swirl of bad news. You watch a gruesome YouTube video and the next one is all queued up to play right after it. Focus on one issue at a time. Deal w/ it before moving on. (12/)
7. YOU NEED FUN. When there is suffering, war, despair, etc. around you, it's easy to feel guilty when you have fun, feel happy, have a good meal with friends. You NEED these things. You will be better able to do good in the world if you let yourself have these things. (13/)
8. TALK TO SOMEONE. Often, we curl inward socially when overwhelmed w/ negative content. It's a means of protection. One of the great things at CIA was that everyone else knew what you were going through. Whether it's therapy or talking to your person, talking helps.
Keep in mind the human tendency (rightly or wrongly) to think “how it ends is how it was”.
Could be a work shift, a class, a relationship, etc. try to end on a good note.
"Dollar Store Engineering Kit:" Popsicle sticks, pool noodles, pipe cleaners, straws, light sticks, cups, etc. ALSO LOOK FOR Styrofoam gliders, Styrofoam balls, science kits, candy for candy structures, seasonal or holiday themes. Pinterest has a ton of great ideas for STEM activities.
Practice real-life mental math: Calculate time / age: If someone was born in 1994 how old are they today? Make change in your head: Cost is 14.27, how much change do you have if you give the cashier 20 bucks? Calculate percentages: tips, tax brackets, sales!!
When something is upsetting you...Name it...Take a deep breath...Imagine holding it gently in your hands. (This is a reminder to use this visualization myself and to teach it to you. I want to give you as many tools as I can to help you learn to cope with negative emotions in a healthy way.)