The Sandwich Generation: Preparing for the Holidays

The economic struggles and crisis in confidence have lasted far too long. And the hardships are particularly evident during the holiday season. Are you feeling stretched by the financial pressure? If you're facing tough buying decisions, the responsibilities of the holidays may even be getting you down. These are challenging times for the Sandwich Generation.

This year you may just have to let go of the idea of a perfect Christmas, Hanukah or Kwanzaa.

Photo courtesy of Asnat - Flickr.com

Even though it's important to honor the tradition of giving, the accumulation of material things can't hold a candle to the gift that matters most. Bringing cheer to others is a great way to cheer you up as well. And you can do it without breaking into your savings account. With the holidays fast approaching, you certainly don't want to add more pressure to your life. So follow these ideas to keep stress in check as you focus on more joy and less stuff:

Give the gift of connection. Put more heart in your relationships. Arrange a regular weekly date with your parents. Invite them to lunch, a museum or the movies. Send a card to an old friend with whom you've lost contact. Enclose a recent family photo, your email address and a promise to keep in touch. Drive an elderly neighbor to the grocery store, a doctor's appointment or the library.

Give to a worthy cause. Get the family or a group of friends together and spend a couple of hours helping out at a homeless shelter. Pass forward gifts you've received or bring some hardly used toys and clothes. Buy a small present for a homeless person you regularly pass on the street and make eye contact when you give it. Put a big smile on your face and help cook Christmas dinner at a soup kitchen. Make a donation to Aunt Mary's favorite charity; every gift counts no matter how much you spend.

We appreciate your reading our blog posts and passing them on to your family and friends. Here's our early gift to you - thanks for your support and loyalty!

Stock Market Roller Coaster and Domestic Violence

Across the United States, in Greece, Europe and all around the world, the effects of the financial crisis continue to spread – stock markets are erratic, foreclosures are still widespread, banks are being taken over, credit is frozen and bankruptcies are increasing. No one can predict with certainty the long-term effects on the economy, but most pundits agree that this collapse will not right itself in the near future.

How is all this affecting you and your loved ones? Are you all anxious and angry - on the verge of taking out your frustration over the financial news on each other? Although Domestic Violence Awareness Month is just over, this remains a good time for your family to look inward and reflect on your actions. Only by becoming aware of the potential for abuse can you honestly assess behavior.

While a number of factors have been recognized as causes of domestic violence – mental illness, substance abuse, certain innate personality traits, low self-esteem, poor impulse control and a history of being battered - social stressors have been identified as having a particularly strong impact on abusers. Poverty, lack of control and feelings of powerlessness can lead to the perpetrator's perceived need to dominate family members. And this is linked to increased levels of mistreatment. During the current plummet of world markets, those who abuse are more likely to express their feelings of frustration in more belligerent ways.

Many people who are normally calm are stressed by the financial meltdown and concerned that they are spiraling out of control. If this sounds familiar, you could be at risk emotionally and physically. If you are worried about a hostile attitude and aggressive behavior, begin by following these suggestions:

1. Insist your partner participate in individual therapy as well as relationship counseling. The therapy should focus on anger management, cognitive behavioral change, insight, skill building, communication, stress reduction and control strategies.

2. Get help from friends and family. Talk about your concerns, educating them about domestic violence. Let them know what you need from them and how to recognize if you are in immediate danger. Devise code words to alert them if you need help.

3. Prepare to take care of yourself - emotionally, financially and physically. Find a therapist who will help you develop self-confidence and the life skills you may need to go solo. Take charge of your personal finances, open your own bank account, find a job if you are not already employed.

4. Have an exit strategy and plan what to do if and when you leave the relationship. Investigate the national domestic violence hotline, available community resources and learn about shelters in your area. Have copies of documents you may need as well as extra clothes and cash; leave them with a friend or neighbor so you can retrieve them later.

5. Immediately let someone in authority know about the abuse, if it occurs. Have the phone number of the local police station available - and you can always call 911. If the violence is directed to your children or the elderly, know how to contact the agencies dealing with child welfare and elder abuse.

As we move through these difficult financial times, the stresses we face are great. Emotions are likely to be close to the surface as uncertainty about the state of our economy continues. Be aware of any potential for domestic abuse in your family and learn how to protect yourself and your loved ones from the painful trauma caused by violence.

Domestic Violence Awareness Month

Lost in headlines about presidential electioneering and the roller coaster stock market is the news that October is designated to raise awareness of domestic violence. The irony is that financial shock waves may increase the prevalence of abuse. The economic turmoil will undoubtedly lead to greater fears, pressure and anxiety within families facing financial collapse - and that stress can lead to battering.

The Centers for Disease Control believes that 10% of the population is affected by domestic abuse, although it is estimated that only one-third of these cases are actually reported. It is the most common cause of injury for women ages 15 to 44 who suffer physical as well as emotional injury, such as depression, anxiety and social isolation.

domestic violence, a photo by speak.india on Flickr.

Why do women remain in abusive relationships? Frequently, the reason is fear - they've been brainwashed by the perpetrator, convinced that they are helpless and cannot cope alone. Or they're afraid that the abusive partner will harm them or the children if they attempt to leave. Some victims incorrectly believe they are responsible - that they have caused the abuse or it is up to them to stay and keep the family together. Denial as a defense mechanism can remain strong: victims may not see themselves as battered and don't believe the perpetrator will continue the abuse.

If you're afraid of your partner's anger and how he/she treats you, your children or elders under your care, your first responsibility is to protect yourself and loved ones from harm. Resolve to begin the tough process of freeing yourself even if you feel trapped and so deeply entrenched in the dysfunctional relationship that it seems you'll never break away. Visit our blog again on Wednesday as we give you some steps to start the process of protecting yourself.

Thanksgiving is More Than Turkey Day

With Thanksgiving just a week away, are you busy making shopping lists, planning menus and creating seating charts? What about also setting aside some time to reflect? Think about the people, experiences and circumstances for which you are thankful. The stress of preparing for the holidays sometimes stands in the way of focusing on all we have to be thankful for - so take a deep breath and step back for a moment to relish, with gratitude, the gifts of family and friends. To help you begin, you'll find some tips for reducing holiday stress on our website.

Even with a difficult economy, we can still find a lot to be grateful about, especially during the holidays, when families and friends traditionally draw together. Let a heartfelt 'thank you' be your mantra during this season - you can do it without making a dent in your budget. And, having just observed Veterans Day, please remember those serving our country, who are far away from home during these holidays.

As we pay more attention to the contributions of others and learn not to take good things for granted, we are more aware of all we have to be thankful for. And conveying your gratitude can help you feel happier as well as the person you thank. Sonja Lyubomirsky and other psychologists studying happiness have found that after expressing gratitude you'll experience more contentment and improved self-esteem as well as closer connections - you'll even sleep more soundly.

If you decide to express your appreciation for what you have by giving back to your larger community, you can check your local paper or the Internet to find out what the needs are. Some families are adding a new Thanksgiving tradition this year by volunteering at a homeless shelter, serving a holiday meal at a soup kitchen, preparing or driving dinners through a meals-on-wheels program, or visiting those in hospitals and nursing homes who aren't able to celebrate with family. Talk with your family and friends about what they'd like to do.

Visit us again later this week when we'll have some tips about how to focus on reducing your stress and acknowledging your gratitude as you get ready for Thanksgiving this year.

Economic Challenges and Resiliency

Redefining a crisis as a challenge gives you the power to begin, step by step, coping with the situation. See the changes you need to make in this economy as the opportunity to create a more fulfilling life for yourself and your family.

Recognizing your strengths and resources keeps you optimistic and resilient. Click on the NourishRelationships YouTube video for 10-second tips about keeping your perspective in this recession.

When you are able to remain upbeat about your future, you can take advantage of opportunities that may open up to you. Although jobs are scarce, there are some that may become available.

For more tips about how to stay positive during this economic recession, check out our ebook, Taking Control of Stress in a Financial Storm, available on our Her Mentor Center website.

And visit our website's Family Relationships archive library for other articles to help you learn to nurture yourself.

Taking Care of Yourself in this Economy

You've probably noticed that the economic downward spiral has affected more than your pocket book. For most of us, it has also taken a toll on our feelings of well-being and security. Reports indicate that mental health calls due to financial pressure have increased more than 100% since the crisis began. If you are feeling signs of distress, check out these NourishRelationships YouTube video tips about how to nurture yourself. You'll learn how to take better care of yourself and create a healthier lifestyle for you and your family - even during this financial downturn.

In these times of economic instability, when you may be feeling insecure and powerless, you'll find your friends and family can buffer these negative emotions. Reach out to those who care about you and let them know how much their nurturing sustains you. Expressing your gratitude for their support is good for both you and them - each of you will grow stronger and more powerful. Watch a NourishRelationships YouTube video today for 10-second tips about asking for and receiving support. Even Sandwiched Boomers, caring for growing children and aging parents, can learn to request and gain help in managing their family in flux.

If your stress levels increase as your financial stability decreases, our ebook, Taking Control of Stress in a Financial Storm, available on our Her Mentor Center website. And visit our website's Family Relationships archive library for other articles to help you learn to nurture yourself.

The Election, the Economy and You

News about the economy continues to be gloomy. Unemployment figures still languish near 10 percent, home foreclosures persist unabated and bankruptcy is the only feasible alternative for many Americans. As the election season moves into high gear, it reflects the mantra of 1992, "it's the economy, stupid." Funds are hard to come by and even battered ones are appreciated.

Actually thriving during an economic crisis may be impossible to achieve, but you can learn techniques to help you deal with these difficult times. All this week, you'll find video tips here to help you cope with the current economy. You can get started with this NourishRelationships YouTube video.

Even with the weak recovery we are experiencing, you and other Sandwiched Boomers can regain some control over your situation by educating yourself, evaluating your finances and making the hard decisions that lead to changes in your lifestyle. For more coping tips about how to put yourself back in charge, watch another NourishRelationships YouTube video.

And if you want to learn how to maintain and even strengthen your family relationships during this time of financial belt-tightening, you can purchase our ebook, Taking Control of Stress in a Financial Storm, available on our Her Mentor Center website.

Taking Staycations in this Economic Environment

With the summer solstice arriving this past weekend, we can now officially be in summer vacation mode. With the most time between sunrise and sunset, we have more daylight hours to spend with our families. But with the unemployment rate above 11% in California and many other states and the recession not showing signs of an early end, everyone feels the need to cut back on expenses. The Auto Club estimates that the traditional vacation in the U.S. costs an average of $244 per day for two people just for lodging and meals. With plane fare, the kids' expenses and other costs thrown in, the price of a weeklong family vacation could reach $10,000.

So how do you enjoy the summer months without draining your funds? This week we will focus on tips to help you take advantage of free and low-cost alternatives to expensive summer activities - the emerging trend of "staycations." Planning and taking a real staycation gets you out of your everyday rut and creates memories for your family in flux to share through the year.

For some great tips on how to plan a "staycation" for your family this summer, read our article entitled "6 Tips for Sandwiched Boomers Planning Summer Staycations." When you click on the title above, you will be directly linked to it on our website, HerMentorCenter.com. Remember to tune in tomorrow for specific activities for the kids, and on Wednesday for more adult-rated themes. We'll round out the week with feedback from you about the best staycations you have taken. So share your stories here through our "Comment" link.

Baby Boomers, the Economy and Retirement

In early 2009, a study about the effects of the economy on retirement was initiated by Age Wave, a thought-leader on the baby boomer generation. Dr. Ken Dychtwald, CEO of the company, wrote about the results in an article for TheHuffingtonPost.com. We’ll be sharing them with you over the next few days - we think you’ll find them interesting:

The current economic reckoning has created vast financial losses and uncertainty during the last year, triggering all generations to reassess the funding, timing and purpose of retirement. To learn precisely how this past year has altered Americans' retirement hopes, worries, and plans, Age Wave and Harris Interactive have surveyed thousands of Americans. The results uncovered mounting fears and shifting plans, but also a renewed focus on what's important and an optimistic outlook about the possibilities for retirees' new role in American life.

A new era of cautious self-reliance is emerging from a truly unnerving fiscal dilemma. For many people, their retirement dreams have vaporized. Each of the four generations polled is trying to alter its game plan in fascinating ways to seek peace of mind and to make the best of the years ahead. The study revealed 4 key illuminating findings:

Resetting the Retirement Clock

• Seven-Year Money Setback - Nearly 60% of Americans have lost money in mutual funds, 401(k) plans, or the stock market. Respondents think it will take an average of seven years for their investments to recover.
• Uncovered Medical Costs are the Retirement Wildcard - The single biggest worry among those 55+ is that they will be unable to afford uncovered medical expenses (46%). This is now a greater concern than either lack of personal savings (18%) or uncertain entitlements (11%).
• Retirement Postponed - For the first time in U.S. history, we may witness a significant increase in the retirement age as respondents say on average they will now need to postpone retirement by 4.2 years - which will also adjust the "work-to-retirement ratio."

Log in tomorrow for more results from this timely study. And share some of your own thoughts about the economy's effects on you and your family.

Baby Boomer Stimulus Package

The $885 billion Senate economic plan faces assaults from both Democrats and Republicans during debate this week as lawmakers in both parties aim to jolt the economy right away.

The goal is to shape a package that is more targeted, that would be smaller in size and that would be truly focused on saving or creating jobs and turning the economy around. If you're a member of the sandwich generation and under pressure to scale back spending, check out these ideas:

Be realistic and face the facts. If you're not already, live a simpler life within your means. Focus your efforts, because living your convictions is harder than just making the decision to change. Be accountable for your financial goals and create a concrete spending plan. You don’t have to panic but you can begin to take small steps. Learn how to have fun without spending money – invite another couple over to play cards, check out a book from the public library, catch up with a friend on a walk, take your family on a hike in the hills.

Stay centered about what you plan to buy, what you can afford and what really matters to you. Ours is largely a culture of impulsive recreational shopping. To begin the transition to mindful shopping, make a list of the items you plan to purchase. Then decide how important each one is and, if it's not that necessary, let it go. Continue to differentiate between what you want and what you need.

Lost in the headlines about the historic presidential election and the stock market meltdown is the fact that October is the month dedicated to becoming aware of and controlling domestic violence. The irony is that the financial shock waves that have been rocketing throughout the world are likely to increase the prevalence of abuse. The economic turmoil will undoubtedly lead to greater fears, pressure and anxiety within families facing financial collapse - and, in many cases, that stress will lead to battering. Sandwiched Boomers, already dealing with the enormous strains of caring for growing children and aging parents, may be especially vulnerable.

The Centers for Disease Control believes that 10% of the population is affected by domestic abuse, although it is estimated that only one-third of these cases are actually reported. It is the most common cause of injury for women ages 15 to 44 who suffer physical as well as emotional injury, such as depression, anxiety and social isolation. If you, or someone you know, are the victim of domestic abuse, this may be the time to begin the long process of extricating yourself.

Why do women remain in abusive relationships? Frequently, the reason is fear - they have been brainwashed by the perpetrator - convinced that they are helpless and cannot cope alone. Or they're afraid that the abusive partner will harm them or their children if they attempt to leave. Another justification is the victims' incorrect belief that the responsibility is theirs, that they have caused the abuse or that it is up to them to stay in order to keep the family together. Finally, because of a variety of psychological issues and complicated family dynamics, the defense mechanism of denial can remain strong. Domestic abuse victims often refuse to see themselves as battered and don't accept the fact that the perpetrator will continue the abusive behavior.

Stay in touch this week as we give you some options to help you take better care of yourself. And let us hear from you if you have dealt with this personal crisis before.