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How to navigate feeling “stuck” in a relationship because of a lease or other financial obligations

How to navigate feeling “stuck” in a relationship because of a lease or other financial obligations

When Love Moves Out but the Lease Remains

Discover strategies to manage the complexities of navigating relationship transitions due to financial ties like leases, and learn how to regain your independence and happiness through clean and solution oriented communication strategies.

financial therapy

Understanding Relationship Stuckness

Many couples find themselves feeling trapped in relationships due to financial commitments such as shared leases or joint financial obligations. These situations can create a sense of helplessness and strain on the relationship. As a Gottman Level 3 trained licensed marriage and family therapist, I specialize in helping couples navigate these challenges. My practice focuses on empowering individuals to make informed decisions about their relationships, ensuring both emotional and financial well-being.

While shared leases can create challenging transitions, remembering the temporary nature of the situation helps maintain perspective. With clear communication, established boundaries, and forward planning, this period can be navigated with minimal additional stress.
Financial entanglements like a shared lease can create a false sense of obligation to remain in an unfulfilling relationship. What’s truly needed is honest communication about both parties’ needs and boundaries. Creating a practical exit strategy that addresses lease obligations can help transform what feels like being ‘trapped’ into an empowering transition plan that respects both partners.

I was named a local expert on ApartmentGuide. Read the full article here: Stuck In a Relationship Because of a Lease? Here’s What Experts Prescribe. https://www.apartmentguide.com/blog/stuck-in-a-relationship-because-of-a-lease/

ApartmentGuide is a subsidiary of Redfin.com

 

stuck due to financial obligations

Navigating Financially Tied Relationships

In today’s housing market, financial practicality often means couples move in together earlier in relationships than previous generations. While this arrangement works beautifully for many, it creates unique challenges when relationships end but lease agreements don’t. The emotional complexity of a breakup becomes intertwined with practical housing considerations, creating a situation where many feel “stuck” in proximity to an ex-partner.

As housing costs continue to rise in metropolitan areas, this scenario becomes increasingly common. According to recent surveys, nearly 40% of adults have continued living with a partner after deciding to end their relationship, primarily citing financial constraints and lease obligations as the determining factors.

This blog explores strategies for maintaining your emotional wellbeing while navigating the practical realities of shared leases during relationship transitions.

How can financial obligations affect my relationship?

Financial obligations can create stress and tension, leading to feelings of being trapped. It’s important to communicate openly about financial concerns and seek professional guidance if needed.

What steps can we take to address feeling stuck?

Start by having an honest conversation about your feelings and financial situation. Consider seeking therapy to explore your options and develop a plan that prioritizes both partners’ needs.

Is it possible to renegotiate a lease if we decide to separate?

Yes, many landlords are willing to negotiate lease terms if both parties agree. It may involve finding a replacement tenant or paying a fee, but it’s worth exploring to alleviate the financial burden.

Can financial therapy help us manage our obligations better?

Absolutely. Financial therapy can provide tools and strategies to manage your financial commitments more effectively, reducing stress and improving your relationship dynamics.

When facing a lease constraint in a relationship that's ending, consider these primary options:

Breaking the Lease

Breaking a lease typically involves financial penalties but provides the cleanest separation.

Considerations:

  • Review your lease agreement for early termination clauses
  • Calculate the total cost of breaking the lease (typically 1-2 months’ rent plus security deposit)
  • Determine if either party can afford to take on this cost alone or if it will be shared
  • Consider whether the emotional benefits outweigh the financial penalties

Lease Assignment

Many lease agreements allow for subletting or assigning the lease to new tenants, with landlord approval.

Considerations:

  • Review lease terms regarding subletting and assignment rights
  • Understand the process for landlord approval of new tenants
  • Determine who will move out and who will stay
  • Address how the security deposit will be handled
  • Establish clear timelines for the transition

Cont. Cohabitation w/Boundaries

For those with longer leases or significant financial constraints, continuing to live together may be necessary, but with clearly established boundaries.

Considerations:

  • Establish clear agreements about shared spaces, private areas, and schedules
  • Create systems for managing shared expenses
  • Set expectations about guests and new relationships
  • Develop communication protocols for addressing issues that arise

Relationship and Financial Advice

Take the First Step Towards Clarity

Feeling trapped in a relationship due to financial ties can be overwhelming. Reach out today for a personalized consultation to explore your options and find a path forward.

FALL BACK in LOVE!! FALL is the perfect time to upgrade your relationship.

FALL BACK in LOVE!! FALL is the perfect time to upgrade your relationship.

FALL BACK IN LOVE…READ MORE TO LEARN HOW

The leaves are changing, the air is crisp, the aroma of pumpkin latte’s and pumpkin everything else is cropping up all around you.  There may be a feeling of warmth and festivity in the air as the seasons change, so why is there a chill between you and your partner? 

For many, the changing of the seasons signals a natural inclination for newness and growth. Instead of widening the gap and growing apart, take this seasonal cue from Mother Nature and seize the opportunity to FALL BACK in love, creating  more opportunity for you and your partner not only to connect, but to flourish!

Seasonal changes as well as relationship changes are organic and normal as everyone experiences highs and lows. While these fluctuations are part of even the healthiest relationships, we sometimes need to be reminded that we have the power to strengthen and increase more of the connection in our relationships that may have diminished over time.

 “Autumn shows us how beautiful it is to let things go” ~Anonymous

By increasing mindful awareness this season and letting go of some resentments and bitterness that may have crept in over time, you and your partner can reconnect. In the beginning of your relationship its often effortless to act simply as  smiley lover’s loving love.  These feelings of infatuation can naturally decrease if left unattended leaving one or both partners feeling disillusioned and questioning the future of the relationship.

Some signs of relationship dissatisfaction creeping in are:

  – Your speech with one another becoming more sarcastic than sweet

– You may be less careful with one another’s feelings and ignore bids for attention

– You no longer “date” one another like you did when the relationship was new

– You begin to fantasize about being with someone else or being better off alone

– Instead of admiring your partners strengths, you focus only on their shortcomings

– You find yourself asking “Is this as good as it gets? Or even “Have I fallen out of love permanently?”

If these signs are familiar to you, realize that not only are you not alone, but that you have the power within you to create desired change today.  By “being the change you wish to see” in your relationship you can influence your partner and can reignite the passion that you may have once feared was only a thing of seasons past. 

Here are SIX things you can try today to FALL BACK in LOVE with your partner. 

1. Get cozy! Take advantage of the changing season by inviting your partner to move closer to you. Keeping each other can warm the heart in more ways than one.

2.   Rekindle though traditions. Don’t have any?  Begin where you are by adding rituals for the holidays, or even for your daily routine. Fun is not just for kids and is important for “grown-ups” too. The pumpkin patch and piles of Autumn leaves await! 

3. Gratitude. With Thanksgiving coming, be proactive now by counting your blessings and focusing on what you do have vs don’t have in your relationship. 

4.   Take a stroll down Memory Lane. What was it that attracted you to each other in the beginning? Remember the things that you signed up for when you made a commitment to the person that you share your life with. 

5. Recommit to being “ALL IN ” in your relationship thought the power of decision.  Love is a verb after all. You can begin again by remembering all the things that you did for and with your partner  in the beginning when the feelings were more alive.  Make a conscious decision to doing them again and doing them with kindness. 

6. Self-care may sound cliché but there is a reason for it. Take care of YOU. If you want to rekindle passion in your relationship, take care of yourself outside of the relationship and make sure that your individual needs are met. If you are feeling bad about your own life, it’s hard to keep your relationship flame alive. 

Don’t wait  until January 1st to add “Work on the relationship” to your lengthy list of resolutions. By moving towards your desired future now, It will not only improve your relationship,  but it can also make space for  your other adventurous resolutions like fitness, fencing, fantasy football, or something else that you would like to have more of in your life.  If more of what you need is a happier relationship, or just to “be,”  In either case, do it now.  Your  future self- will thank you. 


Blog post written by Sharalee Hall AMFT, she is available to meet with couples and families in person and online . Feel free to reach out and schedule a complimentary session.

marinaedelman.com 818.851.1293

Gray Divorce

Gray Divorce

Divorce can be hard and have a negative impact. But the same can be said for staying in a long-term bad marriage.

Over the last 20 years divorce rates have been declining. A striking contrast to this trend is a phenomenon known as the “Gray Divorce.” Gray divorce describes a rise in divorce rates for couples 45 plus who are choosing to end their marriages later in life. In fact, over the last 20 years the divorce rates have more than doubled in this demographic. The notion and norm from previous generations which valued staying together “no matter what”, and “growing old” with a life-partner seems to be shifting in favor of individual freedom and happiness in cases where a marriage has not been working for either one or both partners. The divorce rate continues to rise for couples over 45 in long-term marriages for several reasons. Research has shown a rise in life expectancy over the past few decades, and with couples expecting to live longer and healthier lives there is more time to consider the impact of the decision to divorce may have on their quality of life. While couples are continuing to stay in unhappy marriages “for the sake of the kids” in recent years there has shown to be increase in divorce rates when the nest is finally empty. The past stigma of divorce has become less potent over time which has impacted this trend. Second and third marriages have a significant likelihood to end in divorce which is a factor. Also, the impact of women earning more money and achieving more career success than previous generations has led to the continuing rise in divorce in the second half of life.

Gray divorce can lead to positive change, second chances and hope for a new fulfilling chapter for separating spouses. It can also have a downside that can be especially challenging for older populations such as isolation, depression, financial insecurity, health challenges, and new relationship issues with adult children who are dealing with the loss of their parents’ long-term marriage much differently than their parents may be.

1. Loss of a long-term dream. While both partners grieve the end of a marriage the spouse who initiates the divorce may seem to be dealing with the loss better than the other, as they may have had more time to process and accept their choice. This can be particularly challenging for the spouse for whom the divorce was not their choice but is now their reality. Although change is a constant part of life, many people find it to be difficult to manage and accept which and can lead to isolation.

2. Teenage and Adult Children. Many unhappy spouses with children struggle with the decision to either end the marriage while the kids are still young or wait to separate when the kids launch into their own adult lives. The “Empty nest” is big reason for Gray divorce. Children struggle to adjust at any age with their parents’ divorce, this can be more impactful and unexpected for teenage and adult children who assume that since their parents made it that far that their marriage would endure. Parents relationships with their older children can become challenging due to delayed divorce. It can be a struggle for all members of the once in-tact family to come to terms with the changes and loss caused by the break-up in and they may do so in much different ways.

3. Finances. Gray divorce can either take place during retirement or with retirement not too far into the future. Older couples may have had more time to save, but the impact of divorce can lead to a substantial financial hit and with less time to recover before retirement. There are likely more assets to divide which can be complicated at the very least and lead to animosity when the couple is not in agreement on how to untangle and divide what they have built over-time. Whether to keep or sell the family home is often a challenge, as well as making sure that both parties can continue to take care of insurance and healthcare needs that are vital for couples approaching an age where health concerns can be greater.

4. Difficult Emotions. Whether or not there may be positive changes on the horizon due to the split there is still grief and loss. Attending to emotional needs is crucial at this time, in order to successfully navigate the five stages of grief which are Denial, Anger, Bargaining, Depression and Acceptance. It is vital to rely on an either an existing support system during divorce or create a new one if needed. Family and friends can be great support, but sometimes different perspectives or burnout can lead to a need to seek new ways to get emotional needs met. There are divorce groups and other support groups that can promote healing and prevent what may be the worst result of a divorce, which is isolation. Studies show that former spouses enduring divorce have higher rates of depression than those whose spouses have died. The risk of isolation in Gray divorce can be higher and with the likelihood of an increase in physical and mental health problems show up showing up connection is vital. Reaching out for help from an individual or family therapist can be very beneficial during the divorce adjustment and can lead to healing and redefining life and goals as your newly single-self.

Divorce, especially in the second- half of life can range from difficult to devastating. This can also be a time of reinvention and new beginnings as you make room for yourself and for new possibilities. You can start over and make changes that are important to your well-being. Divorce, at any age, is not what couples have in mind when making wedding vows. Nonetheless, by putting yourself first for the first time, or the first time in a long time, you may find that trading “happily” ever-after,” for “Happier” ever after, is not such a bad thing after all.
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Written by Sharalee Hall, Marriage and Family Associate of TrueMe Counseling Center.

Summer Vacation Ideas for Divorced Parents

Summer Vacation Ideas for Divorced Parents

Divorce is not easy for anyone, especially those with children. We establish a life around our families, and divorce forces us to redirect that life and create a new one. Collaborating on vacation ideas as divorced parents is tough.

The one constant factor in all of the chaos, of course, is the children. We need to be reminded constantly, that this kind of change can be detrimental to the children. Families can still be considered combined units, given the correct amicable terms.  We can still communicate effectively and co-parent in ways that make the sting of divorce a little less unbearable.

 

The two things that families struggle with are holidays and vacations. Summer vacation is a prolonged amount of time where the children are not in school and therefore, the adults must work together in a compassionate and understanding manner to co-parent and work around each other’s schedules.

 

Below are some tips and ideas that may help the process along:

 

  1. Plan ahead – nothing makes things easier than a plan. Planning ahead and making sure that the plan works for both parents and children is best. Use tools such as Google Calendar to collaborate effectively.
  2. Let older children and teens help in the planning process. Make sure that this is done in a transparent way with everyone involved so that your family will still hold on to that united front, and feel combined.
  3. Communicate effectively – this ensures that everyone is heard, understood, and the plan will be able to proceed.
  4. Celebrate each other’s efforts in the planning process.
  5. Avoid the phrase “My Time” when referring to your parenting period with the children.
  6. Use the summer to maximize spending time with your child. At the times that you do have your children, try one of the items below:
    1. Beach Day
    2. Library Day
    3. Picnics
    4. Ice Cream Day
    5. Visit the Zoo
    6. Go to the park and fly kites!
    7. Playdays in the yard followed by a hot dog bbq
    8. Water Balloon Fights!
    9. Gardening Days
    10. Movie Nights
  7. Be Sensitive to important events such as birthdays, fathers day, etc.
  8. Welcome your children’s friends over at all times. The extra company over the summer may act as a buffer and help your child transition better to their new way of life.
  9. Make plans for your own relaxing “me-time” when your child is visiting with the other parent. This may be fun and something you look forward to.
  10. Let the “VEGGING” period begin. Let your child sleep in, watch tv all day, and veg out if needed.
  11. Relax and just spend time with your children. Concentrate on what’s most important to you, and make beautiful memories!

 

In conclusion, your family doesn’t have to be split up, the dynamic is only changing, but you are still very much a family, and your ex-spouse is still very much a part of your life as well as your children’s lives. Make the transition and shift easier for everyone by not holding on to bitter feelings, and try your best to be amicable at all times. The results will be a successful co-parented, united family, with happy children, and parents who are very good friends.

 

Counseling and Mediation in Westlake Village and Thousand Oaks

Counseling and Mediation in Westlake Village and Thousand Oaks

Counseling and Mediation services in Westlake Village and Thousand Oaks

Hello, My name is Marina Edelman, founder of Marina Edelman Counseling & Mediation. I would like to introduce you to my staff and let you know that we are now offering family mediation. My associates and I provide professional guidance you need to effectively resolve life issues, address mood disorders, and help find solutions/options to general problems. Our therapists are experienced & well trained to listen, guide, and respectfully challenge you. Our team is made up of extremely passionate clinicians who enjoy providing counseling and mediation for people in need. We work with individuals, couples and families to help them acquire healthy coping skills in order to improve relationships, refine communication skills, and achieve greater overall happiness. We also work with  families on parenting and marital issues as well as provide mediation services.
On our staff we have therapists that are Licensed Marriage and Family Therapists that are Certified in Family & Divorce Mediation and Parenting Coordination. To accommodate all incomes we have pre-licensed associates. Our therapeutic approach  is holistic (that involves mind, body, and spirit) and our techniques are evidence-based modalities such as DBT, solution focused & CBT. We have specialists who treat depression, anxiety, PTSD, OCD, ADD/ADHD, Trauma, and relationship issues. We also have support groups for Mindfulness and Addiction.

 

Mediation As An Alternative To Therapy

Mediation As An Alternative To Therapy

Most people are drawn to mediation because they believe it is a means to dissolve relationships such as divorce or to resolve conflict amicably.

Meditation can help individuals, families, and couples in the following ways:

  • It can help all parties better understand what they want
  • It can help them clearly communicate their preferences in a non-polarizing manner
  • It can help resolve conflict efficiently and effectively

Most people believe that accomplishing these goals will allow people to achieve closure and move on in life. They now see it as an alternative to therapy when they don’t want to seek treatment from a mental health professional. Therapy usually involves multiple sessions where as mediation can be as brief as one visit. Therapy helps bring awareness to an individual or group of individuals where as mediation is more focused on solutions, communication, and implementation.

Our society is now a place where every problem is directed to a mental health professional. Whereas a lot of problems have absolutely nothing to do with mental health. Rather, most of them have to do with uncertainty, confusion, lack of communication, expectations and goals, problematic societal dictates, conflicts between social norms, conflicts between personalities, conflicts between individuals, prejudices against personality types, orientations, racial groups, and temperaments, etc.

A lot of people are looking for alternative ways to address their issues without going to a mental health professional for “treatment,” but they don’t know where to go. Mediation by skilled and trained mediator can provide these people with what they are looking for. Mediators that maintain the principles of being solution focused, empathic and neutral encourage individuals to problem solve, freeing them from their preconceived notions about what is possible and facilitate communication among both parties. Mediators can even do one on one meditation with individuals. It can be referred to as coaching, or it can be seen as mediating within the conflicted mind of an individual.

Mediation can be seen as a process in which a neutral helps individuals come to a resolution; it can also be seen as a process by which a neutral helps parties move to the next step, whether it’s communicating with others, clarifying a thought, or organizing logistics. Mediator can be a sounding board, brain storming partner or voice of reason. Providing solutions is one part of mediation, another is  facilitating clean communication between all parties, and lastly helping identify options and negotiating implementation of them.

Through out the  mediation process one feels empowered to unlock their beliefs and confident to share them with others who they are negotiating with. The mediator can focus and support thinking of the individual, couple, or family but the parties are ultimately in charge of what they are comfortable living with.