Insecurity Busters

Let’s continue our Lenten quest and think about people in our lives who exemplify joy. What do they do differently from us?

I’m pondering this, thinking of basically happy people I know. What characteristics do they share? Most of them are children, unencumbered still by the worries of the world. But a few are adults and they seem to have as many or more problems than I do. Perhaps the difference is all in attitude. They focus on what they are grateful for. They make the most of a situation. They laugh at themselves and don’t seem to worry about what others think. Not that they don’t think of others, in fact, I think they are more “other focused” than self focused. They are certainly not insecure.
Let’s go back to my statement that most of the people I know who are joyful are children. Yes, little ones cry and pout and stomp their feet, but those particular children that make people comment, “She’s sure a happy baby,” seem very secure and trusting. They aren’t prone to fear. They see the world as a delightful place to explore, and people as friends eager to join their fan club. They expect the world and its people to be good.

And me, when I’m insecure, what am I expecting?
• Insurmountable challenges
• My weaknesses exposed
• Failure, followed by the critical judgment of others

Very young, secure children don’t focus on the frightening future, because they are enjoying the present. They don’t worry about the days ahead because their parents will take care of them. They don’t fret about what others think because they are completely secure in the awareness that their parents love them.
It is a rare child who maintains this confidence throughout their childhood. I cringe to think of 4th grade cliques and junior high bullying, high school competitiveness, young adult broken hearts, and the effects of the sensuality-focused media. Few make it through that gauntlet unscathed. I’d bet if we are honest with ourselves, none of us did. Most of us either nurse or bury some feelings of inadequacy or fears of being found out as imposters. Some bravely struggled against such fears and overcame them.
Yes, we have a power to heal. We have a Father who, like those happy toddlers’ parents, will protect us in our future. Not that He will keep us from all pain; no parent can or should do that or we wouldn’t learn. He will, however, make it all turn out well in the end. And He will be with us every moment of the journey. If we can only focus on Him, we won’t need to worry about what others think of us, because we will know He is delighted with us. Yes, he knows all of our weaknesses and hasn’t missed any of our mistakes. But He chooses to focus on his goodness within us and, beloved children of His own, He treasures us.

“If God is for us, who can be against?” Romans 8:31

If you are looking for practical, solid steps you can take toward fighting insecurity, Beth Moore has several to offer in her book, So Long Insecurity: You’ve been a bad friend to us.
• Avoid insecurity triggers.  This must be done with some discernment. The idea isn’t to withdraw from everything that makes you insecure, but to avoid unhealthy triggers, such as fashion magazines if they make you feel inadequate, or particular emotional predators who thrive on making you feel worse about yourself.
• Choose a different reaction.  Think, “How would I react if I were secure?” and then do it! Behaviors have a strong effect on our thinking. Take healthy pride in your new decisions to react to fear with courage. This releases your inner strength!
• Stop coupling legitimate feelings with insecurity.  Moore writes a mantra: “You may hurt my feelings, but you can’t take my security. It is mine to keep and I won’t give it away.” “You may intimidate me, but you can’t take my security. It is mine from God and I won’t give it away.” Other feelings we often join to insecurity are fear, disappointment, shock, sadness, anger, jealousy, and shame. “I’m ashamed of what I did, but you can’t take my security. It is mine and I won’t give it away.”
• Stop making comparisons!  We are all originals, one of a kind. I am not better OR worse than you. My worth or value is simply from being a person, a child of God like every other person.
• Don’t trip others’ insecurity triggers.  Don’t flaunt what you are good at, or what you possess. We should all be giving example to each other of what secure behavior looks like, especially to the younger generation.
• Stop focusing on ourselves. Moore says, “We will continue to be as insecure as we are self-absorbed.” When we are thinking of others, we don’t have time to be insecure.
• Pursue a life of purpose! Following a passion will keep us too busy to be self absorbed. If you don’t know what your passion is, look to your deepest pain, and then work to help others who are caught in that pain. Alternatively, work to prevent it from happening to anyone else. To find a secure life, lose yourself in something (or Someone) greater!
• Trade fear for trust. Fear drives insecurity. What are you most afraid of? Follow that fear all the way through to the end. Ok, what if it happens? What then? And then what? Yes, if it happens you will be miserable for a while, perhaps suffer great physical or emotional pain, but God promises He will work all things to be good in the end. Choose to trust that promise. God won’t obey what you want; He will do even better for you. Love will win.
• Don’t worry about the future.  Instead of feeding your insecurity by worrying, “What will I do if…” ask, “What will God do if…” and take comfort in knowing He can handle it.
• Question your motivation. Ask yourself, “Am I doing this out of any insecurity?” If so, stop. Choose beyond feelings. Choose to act out of strength. We can act strong, even when we don’t feel strong. We can choose to act secure. We can choose to trust.

“But in all these things we overwhelmingly conquer through Him who loved us. For I am convinced that neither death, nor life, nor angels, nor principalities, nor things present, nor things to come, nor powers, nor height, nor depth, nor any other created thing, will be able to separate us from the love of God, which is in Christ Jesus our Lord.” Romans 8:37-39 (NASB)

Blessings on your week!
Betty Arrigotti

To read more: Moore, Beth (2010). So Long Insecurity: You’ve been a bad friend to us. Tyndale. Or go to www.solonginsecurity.com

Causes of Insecurity

            How did you do avoiding complaints for the last week? I have to admit, I kept realizing I had let slip another complaint. But at least being aware of the habit is a first step to breaking it.

             Complaining and negative thinking are obstacles to experiencing Joy. Another obstacle, even more widespread, is Insecurity. We all feel it sometimes, but some of us feel it chronically. The origins are different for each of us, and our reaction to insecurity may look different (some might withdraw while others cling). However, we all swindle ourselves as we settle for a limited life, rather than an abundant life, because we are afraid. When we try to protect ourselves from any hint of failure, we cheat this world of the truly powerful contribution we could be making.

             This week I’ve been listening to the audio version of Beth Moore’s new book, So Long Insecurity: You’ve been a bad friend to us. She writes of many causes or roots for feeling insecure. Read through these possibilities and consider how your insecurity began:

• An unstable home

Relational instability

Financial struggles

A Parent’s physical illness, mental illness, or addiction

An unloving parent

Any abuse – emotional, physical, verbal, or sexual

            Unprotected as a child, we seek protection and so are often drawn to the wrong type of person. Only God can always protect us from what really endangers us.

• Significant loss of anything you derive security from. This can happen at any age.

Death of loved one

Loss of face or respect, public shame

Loss of innocence

• Rejection

            Any relationship holds potential for rejection. However, if we won’t risk rejection we won’t find intimacy.

            Our perception of a rejection could simply be a boundary – we can’t claim ALL of a person’s attention, even a spouse.

            A rejection tells lies about our personal value, and sadly, we often concur. “I must not be valuable, worth loving, or even liking.”

•  Dramatic change

            None of us can avoid change; only God is unchanging. We see security in sameness, even if it is not a good situation. A history of unwelcome changes leads some to dread, always expecting something bad is about to happen. Others become psychologically dependent on crisis. If there is none, we create one.

            God uses change to change us, to coax us to the next level of growth.

• Personal limitations

Learning disability

Physical disability

Abnormality – anything that makes us feel different/inferior, even if just through our perception.

• Personal disposition

            Tender heartedness or sensitivity can predispose us to insecurity. The more sensitive we are, the more vulnerable we become. God gave us our tender hearts for a reason. Life is brutal, but He knows it is scary to be us and doesn’t take our pain lightly.

•   Culture

            Today’s media bombards us with unachievable perfection and the worship of youth. A mark of security is being able to be around anyone, no matter how intelligent and attractive and still maintain personal confidence and contentment. But with today’s media, we’re now tempted to feel inferior to thousands!

•  Our own pride

            Pride! Unlike other roots, this is within our control, not imposed on us.  If I can’t be The Most Attractive, I’ll at least be…

The Best…

The Hardest Working…

The Most Congenial (or Popular?)…

The Most Noticeable…

The Most Religious…

             Instead, we end up joining the ranks of the most exhausted.

             Pride carried to extreme can become Perfectionism. Moore calls perfectionism, “Insecurity in an art form. Looks pretty, acts deadly.” Perfectionists are insecure despite (or because of) their high personal standards, emphasis on precision, and aspiration to be better than others. Perfectionists alternate between feeling horrible about themselves and superior to others. Low self esteem and pride coexist.

            Look at the above list. Does one area explain the underlying source of your insecurity? Or are you a poster child for having every root of insecurity planted somewhere in your psyche? Whether your insecurity stems from a difficult childhood, or your own pride and perfectionism, you can turn your pain over to God. In some instances you’ll be asking for forgiveness, or the ability to forgive. In others, for healing. Moore reminds us, “Time doesn’t heal. God does.”

             God sees and knows 1000 times better than we do where we are wounded and weak and what graces we need to be renewed, healed, and empowered. WE don’t need to be perfect, because HE is. In fact, he tells us “His strength is made perfect in our weakness.”

             This week we’ve used Beth Moore’s book to help us discover the roots of our insecurity. The “Quick Start” answer to growing out of insecurity is to focus on and trust God, rather than ourselves. But next week we’ll look deeper into practical steps to overcome our insecurity, and by doing so, knock down or sail over one more hurdle to Joy.

 Blessings on your week!

Betty Arrigotti

 To read more: Moore, Beth (2010). So Long Insecurity: You’ve been a bad friend to us. Tyndale. Or visit www.solonginsecurity.com

Concerning this I implored the Lord three times that it might leave me. And he said unto me, My grace is sufficient for thee: for my strength is made perfect in weakness. Most gladly therefore will I rather glory in my infirmities, that the power of Christ may rest upon me. 2 Corinthians 12:8-9 (NASB)

4 Minutes 4 Joy – Chronic complaining?

Each Lenten Season during the past few years, I’ve written 4-minute emails about various topics for growth: healthier marriage, premarriage preparation, and thriving in hard times. This year I will summarize what various experts share about overcoming obstacles to Joy.

Happiness is a temporary, personal feeling. Joy is a deeply held conviction that all is well, despite our individual circumstances, because of a transcending Good.

 One shortcut to Joy involves removing negativity from our thinking.

Recently Fr. Craig Boly challenged his congregation to go a week without complaining. By the next Sunday he relieved us of the challenge, saying it severely limited conversation. Much of our small talk grows from commiserating about the weather, sports team losses, or the state of politics these days. But if our focus is more negative than positive, it can’t help but affect our mood.

Are you a chronic complainer? I didn’t think I was until I tried to be mindful of my words for a day. Then I realized that I was usually cheerful around friends and acquaintances but much more likely to complain to my family.

I promised myself long ago that I would try to avoid the negativity that often develops as people grow older. I watched one of my grandparents change from a fun loving, gentle soul to someone who could only see the world speeding to “hell in a hand-basket.”

We complain because we are fearful or feeling hopeless or because it has become habit. If our griping is because of fear, let’s tackle the problem that causes it. If it is simply routine, let’s change it!

 Jon Gordon’s book, The No Complaining Rule: Positive Ways to Deal with Negativity at Work, is written for the world of commerce, but speaks to us as individuals as well. Gordon prohibits complaining in the workplace except under solution-focused circumstances. Workers are discouraged from griping to someone who is not able to correct the problem. Instead, they are encouraged to take their concerns to someone who can make a change and to always bring with their complaint one or two possible solutions. For this system to work, the whole company must develop a culture of welcoming employee input as a means for improvement. When businesses implement his recommendations, Gordon has found that the business morale and productivity both improve substantially.

Couldn’t we adopt the same rule in all our life?

Becoming more conscious of our tendency to complain would be the first step. If what we are complaining about is unfixable, we should work toward acceptance of life’s difficulties and concentrate on our blessings.

In fact, Gordon lists 5 things we can do instead of complain:

• Practice gratitude – If you are focusing on gratitude, negativity can’t settle in.
• Praise others – Focus on what they are doing right and if you must correct them, make sure you give them at least 3 times as many compliments as criticisms.
• Focus on success – Keep track daily of your moments of accomplishment. Write them down.
• Pray and meditate – Studies show these practices reduce stress, boost energy, and promote health.
• Let go – “God, grant me the serenity to accept the things I cannot change; the courage to change the things that I can; and the wisdom to know the difference.” Reinhold Niebuhr

“Courage to change the things I can.” If what we want to complain about is fixable, we should only complain to someone who can make a difference AND we must be willing to propose alternatives and work toward a solution.

Here’s Gordon’s suggestions for how to break a habit of complaining:

• The But → Positive Technique. You’ve just let a complaint slip out so you add, “but..” and then a positive thought or action. My hay fever is driving me crazy, BUT I’m grateful I can take an antihistamine when I get home. I’m so bored at work, BUT if I ask for more responsibility I’ll feel more challenged.
• Focus on “Get To” instead of “Have To.” Pay attention to our blessings instead of our stresses. “I HAVE to go to work” drags our energy down, but “I GET to support my loved ones” brings meaning to our morning.
• Turn Complaints into Solutions. Let’s eliminate mindless complaining and promote justified complaining – identifying a problem and moving toward a solution.

I want to be a joyful person, the kind whose company gives pleasure to others and whose attitude demonstrates an appreciation for the life, grace, and gifts God bestows.

 There’s no room for negative complaining in a quest for Joy.

 Blessings on your complaint-less week!

Betty Arrigotti

 To read more:

Gordon, Jon (2008). The No Complaining Rule: Positive Ways to Deal with Negativity at Work. John Wiley & Sons.

Jubilee Women – Biblical Advice

⁸ ” Count off seven sabbaths of years—seven times seven years—so that the seven sabbaths of years amount to a period of forty-nine years. ⁹ Then have the trumpet sounded everywhere on the tenth day of the seventh month; on the Day of Atonement sound the trumpet throughout your land. ¹⁰ Consecrate the fiftieth year and proclaim liberty throughout the land to all its inhabitants. It shall be a jubilee for you; each one of you is to return to his family property and each to his own clan. ¹¹ The fiftieth year shall be a jubilee for you; do not sow and do not reap what grows of itself or harvest the untended vines. ¹² For it is a jubilee and is to be holy for you; eat only what is taken directly from the fields. ¹³ In this Year of Jubilee everyone is to return to his own property.” (Leviticus 25:8-13 NIV)

Leviticus has advice for the Jubilee Woman.

• Day of Atonement – Forgive others’ debts to you. Forgive yourself. Ask for other’s forgiveness.
• Sound the trumpet – Rejoice! Celebrate!
• Consecrate the fiftieth year – Declare or set apart sacred time, a year to discover the better life God offers you.
• Proclaim liberty throughout the land- Commit to release for all (yourself included) from the shackles of injustice, addiction, dependence, negative habits, and attitudes.
• A jubilee for you – Focus on yourself, for others.
• Return to your family property – Return to your homeland. Go home again and see what home can teach you about yourself, now that you are a woman who has earned her wisdom.
• Each to her own clan – Reunite with family, reconnect, reassert your roots.
• Do not sow, reap, or harvest – Refuse to worry. Trust in God’s provision and even abundance.
• Eat only what is taken directly from the fields – Subsist or simplify, so you can ponder.
• A jubilee holy - Where is God in your life? First? What does holy mean to you?
• For you - Realize what a gift God offers us in rest. A whole day set aside for our renewal each week, a whole year every seven years, and an extra year every seventh set of seven years.

Could we really set a year apart to rest, contemplate justice, and discover God? How often do we take even one day a week off? Let a commitment to rest and renewal be part of your Jubilee wisdom.

We must start simply, with one day each week. Work hard for six days, but rest hard on the seventh.

    “I am more and more sure by experience that the reason for the observance of the Sabbath lies deep in the everlasting necessities of human nature, and that as long as man is man the blessedness of keeping it, not as a day of rest only, but as a day of spiritual rest, will never be annulled. I certainly do feel by experience the eternal obligation, because of the eternal necessity, of the Sabbath. The soul withers without it. It thrives in proportion to its observance. The Sabbath was made for man. God made it for men in a certain spiritual state because they needed it. The need, therefore, is deeply hidden in human nature. He who can dispense with it must be holy and spiritual indeed. And he who, still unholy and unspiritual, would yet dispense with it is a man that would fain be wiser than his Maker.”^1]
 

Betty’s Jubilee Celebration

“Count off seven sabbaths of years—seven times seven years—so that the seven sabbaths of years amount to a period of forty-nine years. Then have the trumpet sounded everywhere on the tenth day of the seventh month; on the Day of Atonement sound the trumpet throughout your land. Consecrate the fiftieth year and proclaim liberty throughout the land to all its inhabitants. It shall be a jubilee for you; each one of you is to return to her family property and each to her own clan.” (Leviticus 25:8-10 NIV)^[1] 

At forty-nine, I had been pondering what it would feel like to turn fifty. When I read this passage, I toyed with the possibility of applying the reading to myself. The combined ideas of celebrating, consecrating to God, taking time to rest, forgiving and being forgiven, and returning to homeland and family all appealed to me. I could be a Jubilee Woman! As part of returning to my clan, I began to write about the women in my family who had influenced me. That grew to a booklet about fifty women who blessed my fifty years. I wanted to thank the ladies who taught me, through their example, how to be a friend, a woman, a mother, a writer, a neighbor, and a child of God.

The idea grew to fruition as, shortly before my fiftieth birthday, I invited the local women to my home for a tea in their honor. I had a wonderful time preparing. I printed copies of my Fifty Years – Fifty Women booklet, complete with two homemade bookmarks. One repeated the Jubilee quote from above, and the other quipped, “A Woman is like tea. You’ll never know how strong she is until she gets into hot water. — Eleanor Roosevelt.” I crocheted tiny teapots and glued them to magnets. I made nametags, added teacup stickers and a word depicting the gift each women had taught me—words like graciousness, involvement, and hospitality. I nestled tea samples, chocolates, and a demitasse spoon into a teacup for each lady to take home.

The day before the party, my daughters and mother flew through the final preparations with me; we set tables (three sets of china), cut roses to float in crystal bowls, mixed ice tea, and washed teapots. My good husband had already added leaves to the tables and hurried to get my website functional. (www.BettyArrigotti.com or www.JubileeWomen.com)

Then the big day and the ladies arrived! Old friends reconnected and conversation between strangers bounced from what their nametag might mean to how they met me. Ninety-degree weather didn’t deter us; we simply began with ice tea until the air conditioning cooled us enough to try new hot flavors. Tea sandwiches and scones disappeared, followed by cookies and chocolate dipped strawberries, fresh from the refrigerator. I gave a quick talk to thank the women for the gift of their examples and explain how I wanted to mark my jubilee year by letting them know how important each of them is to me.

Of course, it was over too soon, but I smiled through the next day, enjoying the afterglow and phone calls from many who attended. One auntie said she didn’t remember ever having more fun with a group of women. A friend told me I had changed the course of her life with a phone call I didn’t remember making. One said she felt like she had visited Europe for a day. Another was delighted to meet my daughters, who made the event flow smoothly as they refilled pitchers and teapots, while watching for anyone who needed to be drawn into conversation. Again and again, I heard that this party wouldn’t be the last of its kind.

How about it, Jubilee Women?

I encourage you to remember the women who have influenced you and imagine how many others your unique lives have blessed. If each of us is formed by fifty others, and leaves our touch on the soul of fifty more, imagine the heartstrings that weave the women of this world together.

Whom will you thank for their influence on you? How soon?

Hello world!

Welcome to Betty Arrigotti’s Jubilee Woman blog, a source of encouragement  about such topics as spirituality, home making (not housekeeping), growing past 50 (jubilarian!), and healthy relationships–whether friends, fiancés, married, parents, grandparents, or in-laws).

 I speak from more than 50 years of life experience, 30 plus years of happy marriage, over 100 combined years of parenting, a certificate in Spiritual Direction, and a Masters in Counseling. None of which gives me all the answers. However, we can use this blog as a forum to discuss the questions.

4 Minutes 4 Hard Times – Trust like Jesus

            Welcome back to 4 Minutes 4 Hard Times. Over the last few weeks we’ve looked at aspects of difficult times: worry, fear, gratitude, necessary losses, and money concerns.

 (1 minute version)

            In this  final Lenten post I’d like to consider Holy Week and what we can learn from studying Jesus as he faced his own “hard times.” We start with his triumphant entry into Jerusalem, riding on a donkey and being hailed as “King of the Jews.” The crowd and the apostles held high expectations for this king, that he would overthrow the Roman conquerors and lead the people to wealth and power. Only a few days later those expectations were crushed, their hope crucified.

            During the final hours before his death, Jesus wept in the garden, pled with his Father to let there be another way, suffered betrayal by a loved one, was wrongly accused, was abandoned by all his followers, and felt forsaken by God. He was stripped, beaten, and humiliated.

             He responded to these challenges with trust when he committed to follow his Father’s will rather than his own, accepted his abuse without retaliation, confirmed his identity, promised redemption to the criminal who testified to his innocence, gave his mother into a friend’s care, forgave us all, and—demonstrating his unending love—commended his spirit into his Father’s hands.

            Let’s look at that final act. He commended himself into his Father’s care. Even while suffering to the point of death, he trusted his Father. Isn’t that the ultimate answer to how we need to respond to difficult times? His trust enabled him to follow, accept, forgive, and love. Placing our trust in God will do the same for us.

             “God causes all things to work together for good to those who love God, to those who are called according to His purpose.” (Romans 8:28)

(3 minutes more)

             It all comes down to how we answer some “meaning of life” questions:

•  Do you really believe God loves you, and is in fact Love itself?
•  Do you believe God is all-powerful? (Including able to forgive anything?)
•   Do you trust God?

            If we profess God’s love and power, why don’t we trust him completely, even when things go bad? I think we expect God to keep things going as we want them to go. When our expectations (like the Jerusalem crowd’s) are not met, we are tempted to doubt his love and doubt that he wants what is best for us. We become angry with God. We forget that God knows, better than we do, what is best. When Jerusalem wanted power in this world, Jesus was offering them an heir’s inheritance in the next. When we want health and happiness, he may be helping us grow in depth and holiness.

             God longs for us to trust him. Not a problem in good times. Not so easy when challenges crush our spirits. But he treasures our trust in those times, especially. Much of the Bible (if not all) is written to encourage us to trust in God.

             We read about Abraham’s willingness to trust God, “And he believed the Lord, and God counted it to him as righteousness.” (Genesis 15:6)

             Jeremiah, the prophet, writes, “Blessed is the man who trusts in the Lord, whose trust is the Lord. He is like a tree planted by water, that sends out its roots by the stream, and does not fear when heat comes, for its leaves remain green, and is not anxious in the year of drought, for it does not cease to bear fruit.” (Jeremiah 17:7-8)

            David, the psalmist, knew all the rewards that come from trusting God: “In you our fathers trusted; they trusted, and you delivered them”. (Psalm 22:4)

 “The Lord is my strength and my shield; in him my heart trusts, and I am helped; my heart exults, and with my song I give thanks to him. (Psalm 28:7)

 “Commit your way to the Lord; trust in him, and he will act.” (Psalm 37:5)

“In God, whose word I praise, in God I trust; I shall not be afraid. What can flesh do to me?” (Psalm 56:4)

            The entire New Testament is an account from Jesus of how much our Heavenly Father loves us and is anxious to forgive us. How even the sparrow doesn’t fall without God knowing and caring. The night Jesus would be betrayed he said to his apostles, “Don’t let your hearts be troubled. Trust in God, and trust also in me.” (John 14:1) He continued, “I am leaving you with a gift—peace of mind and heart. And the peace I give is a gift the world cannot give. So don’t be troubled or afraid. (John 14:27)

             Jesus knew what was coming and his final words before his arrest were words of comfort for his apostles and for us. He didn’t want us to be troubled by things of this world. He wanted us to trust him and his Father. To trust the way he trusted.

             Even recent saints received messages from God, reminding us to trust in him. The Sunday after Easter is celebrated as the Feast of Divine Mercy. St. Faustina began this special devotion to Jesus’ message, “that His Love and Forgiveness is greater than our sins. All He asks is that we trust in Him, ask for and accept His Mercy, and then let Mercy work through us to help others. He also wants us to be merciful, loving, compassionate, and forgiving to others.”

             Like the gospel command, “Be merciful, just as your Father is merciful,” this demand that we show mercy to our neighbors “always and everywhere” seems impossible to fulfill. But the Lord assures us that it is possible. “When a soul approaches Me with trust,” He explains, “I fill it with such an abundance of graces that it cannot contain them within itself, but radiates them to other souls.“ (St. Faustina’s Diary, 1074).

             None of us want to hear platitudes when we are troubled. Yet, saying “In God we trust,” is not a cliché. Those words hold the depth of wisdom.

             Trust your troubles to God. Each night give your cares to him. He loves you and will be with you through every evil time. He promised he will cause all things to work together for good, for you who love him.

Blessings on your Holy Week.

Betty Arrigotti

4 Minutes 4 Hard Times – Necessary Losses

Last week I asked if 4 minutes was too long. Response was mixed, so I’ll start with a quick summary and if you want to go deeper, more follows.

 (1 minute version)

 In her book, Necessary Losses, Judith Viorst discusses the “loves, illusions, dependencies, and impossible expectations that all of us have to give up in order to grow.”

Viorst writes,

In the course of our life we leave and are left and let go of much that we love. Losing is the price we pay for living. It is also the source of much of our growth and gain. Making our way from birth to death, we also have to make our way through the pain of giving up and giving up and giving up some portion of what we cherish.

We have to deal with our necessary losses.

We should understand how these losses are linked to our gains.

For in leaving the blurred-boundary bliss of mother-child oneness, we become a conscious, unique and separate self, exchanging the illusion of absolute shelter and absolute safety for the triumphant anxieties of standing alone.

And in bowing to the forbidden and the impossible, we become a moral, responsible, adult self, discovering—within the limitations imposed by necessity—our freedoms and choices.

And in giving up our impossible expectations, we become a lovingly connected self, renouncing ideal visions of perfect friendship, marriage, children, family life for the sweet imperfections of all-too-human relationships.

And in confronting the many losses that are brought by time and death, we become a mourning and adapting self, finding at every stage—until we draw our final breath—opportunities for creative transformations.

(3 more minutes)

There is plenty we have to give up in order to grow. For we cannot deeply love anything without becoming vulnerable to loss. And we cannot become separate people, responsible people, connected people, reflective people without some losing and leaving and letting go.

So there we have it. Times in our lives will hurt us. But because of that hurt we will stretch and grow and be more than we were. Like my Grandma used to say as she rocked me, “This too shall pass.”

We might regain what we lost, but more likely we will grieve and hurt and then learn something along the way. We will deepen our character. The more we grow, the greater our peace and happiness can be in this life, as well as in the next.

Here are some times in our lives when we must let go, followed by what we will gain by doing so:

Childhood’s End –

Saint-Exupery writes, “To be a man, a woman, an adult is to accept responsibility.” We make and keep commitments. We don’t blame our current lives on our childhood. We give up a belief that we can be kept safe and receive instead the freedom and responsibility to make our own choices. We accept reality, and with it accept that we don’t get special treatment, absolute control, compensation for past loss, or perfect companions.

The Married State –

We learn that no person can meet all our expectations all of the time, nor can some expectations ever be met. Our spouse can’t make us be happy, heal all our hurts from the past, or fill all our needs. Those unfulfilled expectations are necessary losses in order to truly love our less-than-perfect spouses.

Letting Children Go –

In parenting we fear our imperfect love will harm our children, or we will fail to keep them safe. Facing our fallibility as parents is another of our necessary losses. We must let our children become steadily more independent and let go of them and our dreams for them. It is also through parenting that we accept that some things we wanted from our own parents we will never receive. We learn to give thanks for imperfect connections.

The Loss of Youth –

Time will repeatedly force us to relinquish our self image and move on. We travel stages of our adulthood and must move out of times of stability into times of transition. We leave youth and health behind. We lose abilities and strengths. We let go of dreams as we realize we’ll never accomplish them all. Yet we gain experience, inner depth, acceptance of others, patience, and self-control. We move from body preoccupation to body transcendence. We move from identifying ourselves by what we do or whom we parent to who we are. We can become an integrated whole, accepting our weaknesses along with our strengths.

The Loss of our Loved Ones –

Mourning is the process of adapting to the losses in our lives. We travel through and revisit stages of numbness, denial, intense emotional pain, bargaining, anger, guilt, and idealizing whom or what we lost. But as we find our way through the mourning and learn to let go of our pain, we can come to acceptance.

Accepting our Mortality –

By letting go of our pretense that we will live forever, we acknowledge the importance of the present. We live enriched lives, knowing that each day is vital. We make the most of the present to find a way to leave a legacy to the world for the future.

 So yes, being alive means we will suffer loss. But the loss will open us to new possibilities. Jesus lost his life, but by doing so, regained for us the Kingdom of God. He rose to new life so that we will, too. In that life, there will be no loss.

Blessings on you and on your week!

Betty Arrigotti

To read more:

Viorst, Judith (1998). Necessary Losses. Simon & Schuster.

4 Minutes 4 Hard Times – Gratitude Attitude

I’ve heard from some of you that you are behind in the 4 minute posts, so this one will be very short; it should only take one minute.

 What is the best (and perhaps hardest) thing to do when times are very difficult? Choose gratitude.

• I may not have as much money as I want, but thank you, God, that I have enough for today. (And enough that I can share with those who have less?)

• I may feel desperately lonely, but thank you, God, for loving me always. (And for all the people who have loved me.)

• I may not be as healthy as I was, but thank you, God, that I can breathe. (If I can do more, like see/hear/walk/move, I am blessed indeed).

• I may be confused about my future, but thank you, God, that I can think. (And pray and analyze and read and make decisions.)

• I may feel stressed to the point of breaking, but thank you, God, that you know and care and want me to rest in you.

Rest in God for 15 seconds. Close your eyes. Breathe in your thanks and breathe out your fears.

That’s all for today. Rest. Thank God. Breathe. If you miss having 4 minute posts, rest in God longer, or read this 3 more times! 

 Blessings on you and on your week!

Betty Arrigotti

 Rejoice always; pray without ceasing; in everything give thanks; for this is God’s will for you in Christ Jesus. 1 Thessalonians 5:16-18

4 Minutes 4 Hard Times – Financial Fix

            Did you undertake any tips for reducing worry and fear from last week’s 4 Minutes 4 Hard Times post? You might want to try some deep breathing now, because the topic of the week is money. Please note that I am not a financial expert, and even the experts quoted below don’t know your particular circumstances. The advice below is general.

 Today’s first points are highlighted from Dave Ramsey’s book, Total Money Makeover: A Proven Plan for Financial Fitness and also his website, www.daveramsey.com .

            Ramsey’s plan for getting out of debt consists of “Baby Steps” that must be done in order and with “Gazelle intensity”—not a grazing gazelle, but rather the intensity of prey as a predator attacks. To prepare for the baby steps, set up a written budget for the month, every month, and if you are married, agree on the budget together. If a change is necessary mid-month, both spouses must agree and must still balance the budget. Also, stop buying anything on credit.

1. Save $1,000 as a Starter Emergency Fund – This must be done as quickly as possible, less than a month. Have a garage sale, sell something, work extra hours, whatever it takes. Don’t touch the $1000 except for a true, unforeseeable emergency. If an emergency comes up and you use part of the $1000, replace it ASAP.

2.      Pay Off All Debt With The Debt Snowball – List your current debts, other than the house, from smallest balance to largest.

Pay the minimum payment to stay current on all but the smallest debt. Pour every dollar you can find from anywhere in your budget into paying off that smallest debt.

When it is paid, take what you paid monthly on the smallest debt and add it to your minimum payment on the next largest debt, continuing until all debts are paid.

[Advisor Suze Orman (see below) recommends paying the debts with the highest interest rates first, but Ramsey believes motivation builds faster as you see one debt after another cleared.] Except for the house, if you can’t be debt-free on any item in 18 to 20 months, sell it.

3.      6 Months Expenses In Savings – Pour all you had been using for debt payment into federally insured, accessible savings for serious unforeseen emergencies, like injury or job loss. If it is likely that your job would take longer than 6 months to replace, save more.

[Advisor Suze Orman would advise building savings before debt reduction if you are in danger of losing your job.]

 Read about Ramsey’s remaining steps to financial fitness in his book or online:

4. Invest 15% of Income Into Roth IRAs And Pre-Tax Retirement Plans

5. College Funding

6. Pay Off Your Home Early

7. Build Wealth And Give!

Another excellent book on personal finance is Suze Orman’s 2009 Action Plan: Keeping Your Money Safe and Sound, with her advice for this economic downturn.

What you must do in 2009 about:

Credit

• Make it a priority to pay off your credit card balances.
• Read every statement and all correspondence from your credit card company to make sure you are aware of any changes to your account, such as skyrocketing interest rates.
• Work to get your FICO credit score above 720.
• Be very careful where you turn to for help with credit card debt. Debt consolidators are often a very bad deal. The National Foundation for Credit Counseling is a smarter choice.
• Resist the temptation to use retirement savings or a home equity line of credit (HELOC) to pay off credit card debt. Stop thinking of credit as a safety net. The only true safety net is savings.

Retirement Investing

•  Make sure you have the right mix of stocks and bonds in your retirement accounts given your age. (See her book or website www.suzeorman.com for more information.)
•  Don’t make early withdrawals or take loans from retirement accounts to pay for non-retirement expenses.
•  Convert an old 401(k) to a rollover IRA so you can invest in the best low-cost funds, ETFs, and bonds.
•  If eligible in 2009, consider moving at least a portion of a 401(k) rollover into a Roth IRA. Or wait until 2010 to convert to a Roth, when everyone, regardless of income, will be able to make this move. Just be aware of the tax due at conversion.

Saving

•  Make sure your bank or credit union is covered by federal deposit insurance.
•  Check that what you have on deposit is eligible for full insurance coverage in the unlikely event your bank or credit union fails.
•  If your savings is in a money market mutual fund sold through a brokerage or mutual fund firm, consider moving your money into the Treasury money market fund at that company.
•  Build up your savings to cover 8 months of living expenses.
•  Move all money you need within the next five to 10 years into savings. Money you need soon does not belong in the stock market.

Spending

•  Separate wants from needs.
•  Get over your guilt that you aren’t “providing” for your kids.
•  Strike the word “deserve” from the conversation. What you can truly afford is all that counts.
•  Try to negotiate better terms on a car loan you can’t keep up with.
•  Be very careful when asked to cosign any loan, no matter how much you love the person who is asking for your help.

Real Estate

•  Push for a “mortgage modification” if your current loan is too expensive.
•  Do not use credit cards or retirement funds to pay for a too-expensive home.
•  Stay informed about new programs, from lenders and the government, in the months ahead that aim to keep more homeowners out of foreclosure. Check www.suzeorman.com .
•  Build a real savings fund; a Home Equity Line Of Credit should not be your safety net in 2009.
•  Focus on your home’s long-term value, not its price change from month to month.

Paying for college:

•  If your child is heading to college within four years and your college savings are in the stock market, you should begin to phase it out of the market, so that you are 100% out by the time he or she is 17.
•  If you have a child who will enter college in 2009–2010, look into getting a Stafford loan.
•  If Stafford loans are not enough, parents should consider a PLUS loan. Significant changes to this program last year make this a viable option for many more families.
•  Stay away from private student loans at all costs.
•  If you are graduating from college in 2009 with student loan debt, know your repayment options.

To protect your family and yourself:

•  Build a substantial savings account today so you will be okay if you are laid off.
•  Do not—repeat, do not—go without health insurance.
•  Shop for private health insurance if you are laid off; it is often less expensive than COBRA.
•  Purchase an affordable term life insurance policy if anyone is dependent on your income.
•  Make sure you have all your estate-planning documents in order.

            An excellent book on personal finance written especially for women is by Suze Orman: Women & Money: Owning The Power To Control Your Destiny. Orman points out that due to the high level of divorce, as well as the likelihood that a woman will outlive her husband, it is irresponsible for any woman to avoid understanding and directing financial matters.

 I’m certainly not a financial expert, but today’s economy requires we all become more informed. I hope I’ve given you a starting point.

 Blessings on your week!

 Betty Arrigotti

¹My son, if you have put up security for your neighbor,…⁵save yourself like a gazelle from the hand of the hunter, like a bird from the hand of the fowler. Proverbs 6:1a,5e

“We buy things we don’t need with money we don’t have in order to impress people we don’t like.” Dave Ramsey

 To Read More:

Orman, Suze (2009). 2009 Action Plan: Keeping Your Money Safe and Sound, Spiegel & Grau.

Orman, Suze (2007). Women & Money: Owning The Power To Control Your Destiny, Spiegel & Grau.

Ramsey, Dave (2003). Total Money Makeover: A Proven Plan for Financial Fitness, Thomas Nelson Publishers.