Mortgages high levels low interest beware

Mae Sultana Look into my eyesBefore you jump into the deep end “I’ve been there, done that!” so watch out because the banks and lending bodies appear as benefactors offering huge mortgages and low interests and unless you can get FIXED RATES you will suffer their SIEGE MENTALITIES as many of us did with some facing great losses and bankruptcy. I was interviewed on the current affairs program of the day telling our stories where one minute we were given huge mortgages for 6% interest and one blink of the eye and they were up to 23% with the banks not even returning our calls! We ordinary people were not the only ones, even the millionaires went broke too! So when I see those advertisements enticing you to get the huge mortgage at low interests I think “come in suckers!” and “BE CAREFUL!” they’ve done it twice in my lifetime already and this will be the third I’m sure!

 

The image is my Tabby cat Mae who’s got the perfect look “watch out!”

Self love or codependence

My eyes, photo by Lucretious, Thessaloniki, GreeceAn important part of being in recovery from codependence is having a healthy relationship with self. In other words, the choice is self love or codependence. A comment from Maranda on my post about having a relationship with self shows how difficult it is for some to conceptualise this – “Nice theoryÖ How can you start ďloving yourselfĒ in real life, I wonder?” Some people can only feel lovable when someone else loves them and then they see themselves through someone else’s eyes. No one can make you feel in a certain way unless you allow yourself to feel that way to begin with. So the ability to feel one way or another comes from within. The same way that you can feel terrible about your self, you can feel confident about yourself and, therefore, feel lovable – that’s self love. To hand over your power about how you feel is codependence or being neurotic.

Loretta came home with her small children and
found his clothes gone!
she managed to get the toddlers bathed, fed and to sleep
then she collapsed as the reality hit her
what happened? how come she didn’t know?
how did he expect them to survive without him?
she got through the night without any sleep
then the next day she was in ‘shell shock’
but the next night, too exhausted to stay awake
she drifted off believing that without him she
would be forever alone raising their children
it never occurred to her that she was lovable
at 25 she thought she would live alone forever!
fortunately, she remembered that she is lovable
and when faced with self love or codependence
she chose to focus on the relationship with self
he came back but in time she just sent him away
because she discovered that she deserved better

Procrastination affects us differently

170958_me_myself_and_i.jpgI have written several posts on procrastination because it is such a traumatic experience and common to many of us. Procrastination affects us differently – some worse than others, as can be seen by Terry’s comment below. Regardless of how immobilised you feel when procrastination takes hold, there are different strategies that you can choose from to assist you. The most effective technique or strategy is that you learn how to relax so as to let go of the fear the task is causing you. Then give yourself permission to wait until you feel ready to begin. Plan a small step to begin your task once you have relaxed – the momentum will overcome your procrastination. You can find what works for you or you can choose to be a victim of procrastination. You may need some professional assistance to overcome the block.

What about when the procrastination paralyses you and when you are unprepared you perform badly and feel awful and embarrassed. Its as if something inside is hoping for failure. Or when you have a deadline for a task and leave it till the last minute and the stress builds up but there is a block to complete the task. Terry

me myself and i, photo by Davide Farabegoli, Milano, Italy, howto relax

Overcoming fear

570349_the_key_to_success.jpgThe worst part of fear is that we can become immobilised by it. In other words, we become frozen like a ‘stunned mullett’ when we are fearful and not able to make decisions to even save ourselves. There are several steps to take in order to cope with fear so that it does not debilitate us. First we need to breathe evenly in a rounded fashion – this will help us relax; then we need to imagine how it will feel to be a part of the solution and how rewarding that will be; finally we need to take action instead of just sitting and waiting for it to get better. There are probably other steps that may suit you personally, so note them and make sure you can recall them when you are next experiencing fear.

the boss was autocratic and prided himself on
being masculine or “macho” in his approach
his staff had been full of fear and either moved on
or everyone was miserable at work!
eventually they overcame their fear and
spoke to him about how badly they felt
and to their surprise he realised that it was
risky for his business that his staff are unhappy
so he put in a plan to involve them in the decisions
and give them a voice to keep him informed
about his behaviour and how it affected productivity
in time they realised that he was indeed smart to be
willing to change his approach for the sake of his business
and that overcoming their fear and asserting themselves
made a huge difference for their wellbeing

The key to success, photo by Jocilyn Pope, London, United Kingdom, assertiveness

Setting limits with children

53523_hotel.jpgAn important part of childrearing is setting limits, especially when children are very young. The hard part is making sure that setting limits is done through education – letting the child know why we are saying “no” to something, not just refusing. Another vital part of this education process is that we keep our voices factual rather than critical or shaming, otherwise the lesson is lost and the child just feels oppressed. It is hard for us to remember this when children are young, because usually the pace of living is stressful for everybody and being relaxed and calm seems impossible. Also we are in denial at that time about our behaviour and how uptight we are. Children feel the full brunt of harsh, unexplained limit-setting and it affects their self esteem badly. This can result in serious rebellious behaviour in childhood and all the way through to adult relationships.

at four years of age she is the cutest
and she is very aware of ‘living the good life’
as I babysat my granddaughter in the hotel suite
she declared that she wanted stuff from the mini bar
I had to be very careful how I refused her
tonight we were going to eat
in the restaurant downstairs which
my nine year old grandson had been
given the honour to escort us to
I began with “no, darling”
the disappointment in her eyes showed
that there was anger bubbling deep inside
so I sat down near her and pointed out that
using the mini bar costs too much
her eyes mellowed and this showed that
the information made sense, so she seemed at peace
after the delicious meal downstairs
we enjoyed watching the movie Happy Feet, in the suite

Alone – revisited

Self portrait, photo by Marcelo Terraza, Brasilia, Brazil, me myselfI was contacted by a reporter, from Melbourne Age, who found posts on my site about living alone and I was interviewed. The interview covered my personal experience of living alone, those of clients I have seen who live alone, and what I would say as a Life Coach about this lifestyle. The most important points are that it is a rewarding lifestyle when it is by choice, it provides a unique feeling of freedom to do whatever I want when I want (within reason) and as I have been in the wife and mother role before, now my priorities are different. That doesn’t mean I will stay alone, as someone may come along who fits in with my current lifestyle and then I will be willing to share it. However, for now I am enjoying my aloneness.

Kenneth White from Palm Springs California made a comment on one of my posts on living alone and I thought it would be beneficial to show it here.

Bravo!!
Great site.
Very open and informative. Especially on
living alone and relationship checklist!
Congratulations.

Thanks, Kenneth.

Self portrait, photo by Marcelo Terraza, Brasilia, Brazil, me myself

Romantic trade-off

You&Me, photo by Valentina Jori, Roma, Italy, intimacy How many times have you been frustrated with your partner because you feel that you give and cannot get the same in return? Whether it has to do with the type of movie you want to see or what hobbies to share. This can affect your sex life too because the partner who feels less powerful in the relationship can lose their sex drive and can appear to be with-holding that pleasure. Of course, communicating your innermost concerns is a tricky task for some. An effective way to right this imbalance is to use a romantic trade-off. The couple can sit and work out what each one feels is missing in their relationship and then agree to trade-off one requirement for another. In that way there is a fairness to the process which results in greater intimacy. Sometimes this is done with the help of a therapist.

Susie was a sexy, sensual woman when
they first got together
that’s one of the characteristics that
attracted Bob to her
then after awhile that changed drastically
Bob had wondered what had caused that
was she no longer attracted to him?
when they came to see me we looked at
what worked and what didn’t and
some of their needs and wants were negotiated
for a romantic trade-off which satisfied both
not all requirements were resolved but at least
they agreed to disagree, for now

Valentine’s Day

Happy Valentine's Day, photo by Michal Koralewski, Gniezno, Poland, day of loveToday is the day of love. Some people criticise the practise because they believe it is too commercialised. Other people enjoy the romantic and sensual mood of the day. It was once the role of the male to send flowers, chocolates and poetry to the female, often it was an anonymous gesture, creating intrigue. Nowadays it is something both men and women do for each other. It is a ritual that enhances relationships. Unless both partners dislike celebrating the day of love, then it is worthwhile to participate in the celebration.

Bruce felt that it was ridiculous to
celebrate Valentine’s Day
Vicki was looking forward to
receiving some show of affection
on the day of love from her new partner
somehow he had managed to avoid it
on previous occasions but she had
made it clear that it was important to her
Bruce ordered the works
flowers, perfume, choice words in the card
and dinner for two at a romantic restaurant
why? because he is a smart bloke and
values the relationship enough to
do the right thing when he is made aware
just as Vicki has done with his wishes
such as fishing with the mates on the
first Sunday of the month and the
regular card night at their place
with her playing the hostess
this exchange of favours to satisfy
each others desires is what makes
their relationship special

Happy Valentineís Day, photo by Michal Koralewski, Gniezno, Poland, day of love

Love and sex addict

Candles in love, photo by Nevit Dilmen, Istanbul, Tukey,  loving relationshipsIf you need to ask “am I a love and sex addict?” then you are, because if you are not then you know it clearly. A love addict, like anyone afflicted with any other addiction, is searching for the “high” from a relationship with another. They are obsessed with the thought of how good they feel in their company and having sex, to the extent that when they are apart they cannot think of anything else. This usually leads to clingy and jealous behaviour quite often accompanied by feelings of rejection. Then their feelings swing back up to unhealthy heights and not always together. A functional loving relationship has ups and downs but not extremes.

Veronica seemed contented as she told me
about her marriage of 4 years
as a person with unpleasant past relationships
she had been terribly hurt and because of
her love addiction had previously attracted
such painful relationships
so as we ticked off the positives about
her marriage and 3 children
she couldn’t believe she had found happiness
and was always expecting something to go wrong
then she realised that this was the same
when she first gave up drinking
with doubts about her sobriety, if it would last?
this helped her to realise it was the
cunning process of addiction which
plays tricks on your mind to tempt
you back to the old ways
so she went off to enjoy her success
which she had earned

Relationship checklist

from:New York Times

Heart, photo by Michael Bretherton, Brisbane, Australia, customised relationshipsQuestions Couples Should Ask (Or Wish They Had) Before Marrying
Published: December 17, 2006
Relationship experts report that too many couples fail to ask each other critical questions before marrying. Here are a few key ones that couples should consider asking:

1) Have we discussed whether or not to have children, and if the answer is yes, who is going to be the primary care giver?

2) Do we have a clear idea of each otherís financial obligations and goals, and do our ideas about spending and saving mesh?

3) Have we discussed our expectations for how the household will be maintained, and are we in agreement on who will manage the chores?

4) Have we fully disclosed our health histories, both physical and mental?

5) Is my partner affectionate to the degree that I expect?

6) Can we comfortably and openly discuss our sexual needs, preferences and fears?

7) Will there be a television in the bedroom?

8) Do we truly listen to each other and fairly consider one anotherís ideas and complaints?

9) Have we reached a clear understanding of each otherís spiritual beliefs and needs, and have we discussed when and how our children will be exposed to religious/moral education?

10) Do we like and respect each otherís friends?

11) Do we value and respect each otherís parents, and is either of us concerned about whether the parents will interfere with the relationship?

12) What does my family do that annoys you?

13) Are there some things that you and I are NOT prepared to give up in the marriage?

14) If one of us were to be offered a career opportunity in a location far from the otherís family, are we prepared to move?

15) Does each of us feel fully confident in the otherís commitment to the marriage and believe that the bond can survive whatever challenges we may face?