DR. JILL GROSS
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Secret Spending

11/29/2017

2 Comments

 
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“Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.”
-Ogden Nash

Money. It's a loaded topic. So loaded that it happens to be one of the three most common things couples fight about. Sex and children are the other two. Just in case you were wondering.

Last week, a reader asked for help with compulsive spending behavior. Since this issue is actually quite common, I am posting both the letter and the response here on the blog.

If you've got thoughts on this subject, feel free to share them in the comments section below.  

Dear Dr. Jill,

I have a little spending problem. Actually, if I’m really being honest, the problem is more than little.  I seem to have a penchant for maxing out credit cards. I maxed out three credit cards in ten years. Whenever I saw something I wanted, I was pretty good at convincing myself I *had* to have it, even though, deep down, I knew I really couldn’t afford it. After making a purchase, I would feel good for a while. But then the bills I couldn't pay would show up at the end of the month and I would end up feeling guilty. 

I was hopeful for change when, three years ago, I met and got engaged to a really wonderful man. When my fiancé and I met, he had a good job. He was really good with money (he had no debt because he preferred to pay cash for everything). In an effort to start our financial lives off with a clean slate, my fiancé agreed to pay off my debt. I thought my problems were solved!

We shredded all of my credit cards too.  I felt scared about the idea of not having any credit cards but I also felt free. My fiancé put us both on a budget that I promised to stay within. This seemed to work for a while.

A few months ago, I received a credit card offer in the mail. I knew it was a bad idea but I went for it anyway. Here’s the worst part: I didn’t tell my 
fiancé. I can’t say for certain why I didn’t tell him. I guess I thought I could handle it on my own. I was wrong.

I told myself I would use the card only for emergencies. But, a few weeks into it, I started making purchases. A pair of winter boots here, a new sweater there and so on. I told myself I would take care of it by the end of the month but, when the bill came, the balance was more than we had in our checking account! Afraid that my fiancé would find out, I shredded the statement and told myself I would take care of it next month. That was almost two months ago and I still haven’t done anything.

The wedding date is now three months away and we will soon be required to make the final deposits for the caterer, venue, etc.  If we pay off my new credit card, we won’t have the money to pay the vendors for our wedding.

I’m scared to tell my fiancé what happened. I’m afraid he will be mad or, worse yet, end our relationship.  He is really the best thing that has ever happened to me. I don’t want to screw this up. Can you help me figure out what to do?

Signed, 
Secret Spender


Dear Secret Spender,

I am relieved that your secret has finally been given a voice!

Engagements and weddings can bring up a lot of complicated feelings.  I’ve yet to meet anyone (well--anyone who is being totally honest!) who hasn’t had at least some fear or self-doubt prior to getting married. “How will marriage affect my independence?” and “What if the relationship doesn’t work out?” are two of the most common questions asked by the betrothed. Perhaps the recent bout of spending is your way of grappling with these questions, without addressing them directly.

Compulsive behaviors, such as drinking or spending money, are often used to help mitigate painful or difficult emotions, like fear or self-doubt. 
The only trouble is, by engaging in compulsive behaviors, we end up creating more of the feelings we were hoping to assuage in the first place! In other words, you are now quaking in the very boots that were originally meant to keep some of your fears at bay. 

When we choose to make something a secret, we give it power. It’s possible the latest transgression may be inviting you to reclaim this power, first by telling your fiancé exactly what happened. It is better your partner hear it from you than a disgruntled wedding vendor or agent seeking to resolve a debt he is completely unaware of.

Regardless of what your partner chooses to do with the new information, you will have taken a bold, brave step toward reestablishing trust in the relationship. Assuming you both choose to proceed with the relationship, you and your partner, as a united team, can make informed decisions about how to meet your impending financial obligations.

Another way to empower yourself is by seeking therapy with a qualified addiction specialist. A professional of this nature will have the skill set needed to help you learn constructive new ways of managing discomfort while protecting yourself and the relationships you treasure. Organizations like Debtors Anonymous are also great places to get support from like-minded individuals. Compulsive spending is treatable but it can also be tenacious. So I urge you to consider getting the support you deserve and committing to it for the long haul.

You’ve made an important first step by sharing your secret with this community. I encourage you to keep the conversation going, both with your partner and with a good therapist.  Thank you for writing in!

Yours In Health,
Dr. Jill



​Dr. Jill Gross is a licensed psychologist, therapist, and counselor. She offers grief therapy, divorce support, and other counseling services in the Phinney Greenwood area of Seattle, WA.
Schedule Your Free Consultation Now
2 Comments

The Sandwich Generation

11/23/2017

0 Comments

 
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"Today is the oldest you've ever been and the youngest you'll ever be again"
​-Eleanor Roosevelt


Young people fantasize about their futures: graduations, careers, love, partnership, children, grandchildren, retirement, and the ability to live independently until they die peacefully in their sleep. I am willing to bet none will envision being part of the roughly thirty percent of elderly individuals who require assistance with daily living.

Average life expectancies, living expenses, and healthcare costs are increasing. So too are the number of adults between the ages of 40 and 60 caring for their elderly relatives while parenting their own children. They’ve even been given a name: The Sandwich Generation.

Recently, I was asked by Jamie Tompkins of Q13 Fox News to talk about the growing number of individuals who are straddling the roles of parent and caregiver. You can see the interview here.


Whilst preparing to speak with Jamie, my thoughts drifted to Dorothy, my beloved grandmother. From the time I was a little girl, Dorothy would talk to my mother, sister, and I—anyone in the family who would listen really—about her values and goals around aging and death.

I recall driving by elder care facilities and hearing Grandma sigh and say, mostly to herself but audibly enough for others to hear, “I hope I never have to live there. That place is for old people.” Anyone who knew Dorothy knew independence was her top priority. She never wanted to be a burden to her children or grandchildren.


Dorothy’s husband, my grandfather, Donald, was a exquisite stained glass artist. There was always a new lamp shade, wall hanging, or sun catcher in their home and, what he didn’t display in his home, he gave to the people he loved. Anytime my mother, sister, or I would fawn over one of his latest creations, Grandma would always say, “Put your name on it!” At the time, this felt something akin to the cops showing up just as the party was getting started. My thoughts would immediately shift from the beautiful objet d'art to the day we all knew was coming but nobody wanted to think or talk about. Not cool, Grandma, not cool!

These were always moments of conflict for me. I wanted Grandma Dorothy to live forever; she wanted the opposite. And she wasn’t shy letting us know about it. Usually when we least expected it.


Though these comments seemed slightly harsh at the time, in hindsight, they were actually gifts. Grandma seized a topic my family would have otherwise shoved to the farthest, darkest reaches of the storage closet and thunked it right down in the middle of the kitchen table. She forced us to deal with death and, in doing so, made the idea a little less scary.

At age 84, when Grandma Dorothy was placed on life support due to complications from an automobile accident, our family’s choice was painful but clear. And we had Grandma’s morbid sense of humor to thank for it.

Grandma Dorothy, along with the numerous sessions I’ve had with the brave and hardworking members of The Sandwich Generation, were the inspiration for much of the advice I had for Jamie. Since the magic of editing transformed an hour-long conversation into a five-second news clip, I’ll give you the highlights of what didn’t make it into the reel:

  1. Talk early and often. The best gift parents and children can give to each other is candid and frequent conversation. These conversations don’t have to be drawn out or dramatic. They can be short and simple. If you are a parent, speak to your adult children, while you are young and healthy, about your goals and values for later-life care. In the event you are no longer able to live independently, what are your preferred living circumstances (with family, assisted living in a retirement community, etc.)? Should you become unable to make decisions related to your care, who will insure your wishes are carried out? Addressing these questions in advance can spare your love ones the pain of guessing or—worse yet—arguing about whether or not they are acting in accordance with your wishes. Given that Dorothy valued independence most of all, when her body was no longer able to sustain itself, the right choice was clear to all of us. I cannot overemphasize what this meant to our family.
  2. Legalize it. After you’ve started the conversation, enlist the help of a legal professional, preferably someone who specializes in elder care law, to help draft the documents that will insure your wishes are honored. Wills/trusts, durable powers of attorney, and advanced healthcare directives are great to have at any age!
  3. Save, save, and save some more! It’s not “if” but “when” the rainy day is coming. Start saving now! If you don’t have a retirement account, exit this screen immediately and find out how to get one. It’s super simple and saving as little as $100 per month, if you start early enough, will go a long way toward broadening your later-life care choices.
  4. Make a contingency plan. Just as one wouldn’t wait until the building is on fire to develop a fire safety plan, it is also a good idea to have a contingency plan in place before you actually need one. Create a document with all of your accounts (mortgages, utilities, banks, 401Ks, etc.), usernames and passwords, photocopies of your medical insurance and photo ID cards, and a list of medical provider names. Distribute this document to your designee. If your designee is not local, it is also a good idea to make sure someone you trust who lives close by also has this information. Make sure your medical providers have written releases to speak with your health care designee in the event of an emergency.

Talking about later-life care can be painful and awkward for your children. But it’s better for your children to have a few awkward moments than a potential lifetime of regret or confusion about whether or not their mother or father got the quality, end-of-life care they deserved.

Thanks to Q13 Fox News for being the voice of The Sandwich Generation and to the brave soldiers who are striving to balance caring for themselves, their children, and their elderly relatives.

I wish you all quality time with your loved ones this Thanksgiving!


Dr. Jill Gross is a licensed psychologist, therapist, and counselor. She offers grief therapy, divorce support, and other counseling services in the Phinney Greenwood area of Seattle, WA.  Need help navigating a transition?
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    Seattle psychologist grief counselor and dating coach in Phinney Greenwood North Seattle

    Author

    Dr. Jill Gross is a licensed psychologist, specializing in grief and divorce. Her coaching and therapy practice is located in the Phinney - Greenwood area of North Seattle in Washington. 

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  • Home
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    • Widows Support Group (55+)
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