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Money issues: Bad for you and your family

Money issues can be stressful for you and your family. Learn some strategies for strengthening your financial fitness as a family.

Money issues tend to be a major source of stress for Americans, and military families are no exception. Financial stress can increase your risk for poor health and have a negative impact on productivity and mood. Stress over money can reverberate through your relationships too. For example, couples who are under financial stress are more likely to be hostile and aggressive with each other and less secure and happy in their relationships. So what can you do to reduce your stress over money?

Here are some tips from Building Resilience in the Military Family:

  1. Have each family member discuss his/her financial dreams, how to make money decisions, and who will manage the money. (If there are differences, try the tips on HPRC’s “Making Decisions” card)
  2. Save at least $1,000 for unexpected expenses and, ideally, six months of your total monthly expenses.
  3. Work on paying off debt. Figure out a plan to pay off your debts, no matter how long it will take to get rid of them.
  4. Create and use a budget. This planning tool from Military OneSource can help you make a financial management plan.
  5. Save for retirement. A good rule is to save 10–15% of your gross income in retirement accounts annually.
  6. Check your credit. Knowing your credit history and credit number can help you spot identity theft and/or motivate you to stay (or become) responsible.
  7. Create a will. Setting up a will is important no matter your age.

Think about whether you have the insurance your family needs. Do you have health insurance, auto insurance, home/renters insurance, and life insurance?

Are you tough enough…mentally?

HPRC Fitness Arena: Mind Tactics, Total Force Fitness
Are you mentally tough? See if you’ve got the 4 Cs. Develop these traits and maintain them.

The term “mental toughness” is often tossed about, but what is it really? And do you have it? Mental toughness is important to the success of Warfighters, athletes, business people, and others who have to overcome adversity to be successful.

Sport psychologists and others interested in optimal performance talk a lot about mental toughness, but it’s a bit complex, so it’s often misunderstood. Mental toughness is not just one trait; it’s a mixture of them.

Boiling it down, mental toughness is a strong belief in yourself and an unshakable faith that you control your own destiny. If you’re mentally tough, you can remain undaunted by adversity.

If you have these 4 Cs, you’re mentally tough:

1)    Control: You feel in control of your emotions and influential with the people in your life. 

2)    Commitment: You embrace difficulty rather than running from it.

3)    Challenge: You believe that life is full of opportunities, not threats.

4)    Confidence: You know you have what it takes to be successful.

Mental toughness is a psychological edge that some are born with and others develop. It allows you to consistently cope with training and lifestyle demands better than those who don’t have it.

You can develop mental toughness through a long-term process of developing mental skills.  Leaders can promote mental toughness by creating a learning environment centered on the mastery of those skills (listed above) and by being generally supportive, encouraging Warfighters to maintain positive relationships. Over the long haul, to maintain your mental toughness, you need to continue honing mental skills, and you need a self-driven, insatiable desire to succeed.

When “moral injuries” add to PTSD pain

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Filed under: Mind, PTSD, Stress
PTSD can haunt Warfighters with lingering fear or inner conflict called “moral injuries.” Learn more about this phenomenon.

Post-Traumatic Stress Disorder (PTSD) can tear apart your sense of what is safe and of what is good.

Part of the diagnosis of PTSD is exposure to a traumatic event: death, serious injury, sexual violence, or the threat of any of these. PTSD symptoms such as intrusive memories, avoidance of situations or feelings, problems in thinking or mood, and feeling overly amped up are common reactions to abnormal circumstances. Think of PTSD symptoms as self-preservation instincts gone haywire. One theory holds that, because you nearly died or experienced something awful or could picture it because it happened to someone close to you, your mind/body tries to sound the alarm bells to keep you safe. But the alarm bells sound at the wrong times and in the wrong ways.

However, PTSD symptoms can come from sources other than fear of bodily harm. They also can arise from inner conflict, when emotions trigger feelings such shame and guilt or when you question fundamental beliefs (such as “the world is basically good”). Witnessing or experiencing betrayal (especially by a leader in a high-stakes situation), within-ranks violence, extreme violence, and incidents involving civilians are some of what can disrupt your world view. It isn’t just an event but the interpretation of an event that causes Warfighters to experience “moral injury.”

If you suffer moral injury as part of PTSD, you start believing you live in an immoral world, or you view yourself as immoral, irredeemable, and defective. If you’re a Warfighter experiencing these feelings, you not only feel lousy, but you are more likely to isolate yourself just when you need others more than ever. Isolation can lead to self-handicapping or self-destructive behaviors.

So how do you save yourself from experiencing moral injury as a part of PTSD? Having a healthy sense of self-esteem can be one of your best protectors. There are no quick fixes. But forgiveness—of others and of yourself—can help you to let go of moral injury. With the help of a psychotherapist, you can begin to wrap your heart and mind around what happened. And pursuing positive interactions, such as getting involved with charitable groups, can give you opportunities to relearn that you are good and the other people in the world are generally good too. Last but not least, connecting with your spirituality—in whatever way is comfortable to you—can help you navigate this difficult journey.

Stress hurts Warfighter performance

HPRC Fitness Arena: Mind Tactics, Total Force Fitness
Stress really does affect performance. But when you pair stress with mental health concerns, performance can take an even bigger hit.

Stress isn’t an isolated event. It can infiltrate your life in many ways. A survey of more than 12,000 military personnel across the services revealed the impact of stress levels on Warfighter performance. Compared with those with low stress, Warfighters with high stress were much more likely to be late for work, leave work early, get hurt on the job, or miss work altogether because of illness or injury. These trends were especially strong among a smaller subset of personnel who had recently needed a mental health evaluation. Other research suggests that stress can combine with a person’s (often unknown) predispositions, sometimes triggering mental health issues.

Depending on the severity of mental health concerns, focus on performance can take a back seat. So stress, mental health, and performance often go hand in hand. Stress-management techniques and proactive approaches to mental health can help stressed Warfighters perform their best.

The ABCs of stress

HPRC Fitness Arena: Mind Tactics, Total Force Fitness
Filed under: Mind, Relaxation, Stress
The ABCs of stress explain how much stress you feel and why. Learn how they can be turned into strategies for stress management.

Everyone experiences stress, but how you interpret stress determines how stressed you feel. This process is often referred to as the “ABCs of stress”:

Activating event + Beliefs = Consequences

When you experience an event, you interpret that “Activating event” according to your “Beliefs”—the lens through which you view the world. Generally, your interpretation is what causes your feelings of stress—that is, the “Consequences.” This is why two people can go through the same event and be affected in very different ways. If your interpretation of events leads to high levels of stress, you can manage your stress by finding ways to reframe your interpretation.

Afterdeployment.org suggests making a “Stress Toolkit” in which you identify helpful coping strategies. These could be strategies that ignite your relaxation response or reframe your thinking (see above) and/or behavioral methods such as deep breathing.

Another way to help you manage stress is to think through future stressful situations to be better prepared. Afterdeployment.org suggests: 1. Visualize potential stressful situations. 2. Determine how much of the situation you can control. 3. Problem-solve what you can control (using coping methods that work for you), and 4. Remember to lean on your friends and family for support.

For more information and ideas, visit HPRC’s Stress Management section.

“STOP” what you’re doing and read this…

Filed under: Mind, Stress
Learn a quick “STOP” technique to help you make better decisions under pressure.

The American Psychological Association just released an article suggesting that trial judges make better decisions when they do “STOP” meditations:

  • Stop what you are doing
  • Take a few deep breaths and focus on the experience of breathing
  • Observe your thoughts, feelings, and actions
  • Proceed with new awareness

Like Warfighters, judges make very important decisions that affect peoples’ lives, but judges also are not immune to impacts of stress. Like everyone else under stress, they can thoughtlessly make quick decisions based on “rules of thumb,” but because we are human biases creep in, sometimes leading to bad decisions.

So, the STOP technique can be important too for Warfighters, spouses, parents, or anyone else looking to make good decisions when it matters. STOP-ping allows you to monitor and adjust your current stress in order to make good decisions.

Stress: Learn to deal with it together

When dealing with stress, manage the source of the stress as well as the stressful feelings.

Think of stress as a balance scale. All the situations you find stressful are heaped up on one side. How you deal with them is on the other side. The trick is learning to balance the two sides (or even better, having your coping resources outweigh the causes of your stress).

Everyone feels overloaded at times, when stress seems too much to handle. This can be compounded with multiple family demands—from finances, children’s needs, managing work and family demands, and fostering your relationships. Here are two suggestions to help you find balance:

  • Find out what practical needs are causing your stress and come up with possible ways to address them using HPRC's problem-solving tips. For example, you know that you need seven to eight hours of sleep a night, but you and your partner seem to manage only five hours or so. So discuss possible solutions with your partner. For example, set a bedtime and stick to it no matter what chores aren’t done; put the kids to bed at an earlier time; create a wind-down routine 30 minutes before bedtime in order to get that eight hours—and stick to it! Then pick one of these possible solutions, try it out for a week, and then re-assess. If it doesn’t work, pick another; or if it does work, maybe tweak it a little to make it even better.
  • Once you have plans to deal with the sources of your stress, then you can focus on managing your stressful feelings. There’s no need to continue feeling stressed out while you put your plan into action. Try some of the “behavioral strategies” in HPRC’s Managing Emotions that you can do anywhere with minimum fuss, such as deep breathing, progressive muscle relaxation, or other relaxation strategies. You can even teach them your children and do them together as a family. Learn how in “Calming & Grounding Activities” from the FOCUS Family Resiliency Training Manual, which describes several shared activities.

And check out HPRC’s Mind-Body Skills section for resources that are geared more for you as an individual.

Staggering stats about teens and stress

Teens are stressed out, and families dealing with deployments can face extra stress. Learn more and pick up some practical tips.

The American Psychological Association (APA) wants to know how stressed out Americans are. Every year since 2007, they’ve conducted a yearly “Stress in America” survey in which they analyze trends about stress and its associated symptoms and behaviors across a range of people living in the U.S. In August 2013, they focused on 1,018 teens (ages 13-17).

A recent report of this information about teens and stress showed that the stats are staggering. Teens from the general population (civilian and military) exceed healthy levels of stress, mirroring the trends in the U.S. among adults. Stress affects sleep, exercise, and eating. Teens tend to get 7.4 hours of sleep on school nights, while the recommended amount is around nine or more hours according to the National Sleep Foundation, and between nine and 10 hours according to the National Institutes of Health. One in five teens exercises less than once a week or not at all. And 23% of teens report that they’ve skipped at least one meal in the past month due to stress.

Parents’ deployments are extremely challenging for children and teens, so military teens often have to deal with additional stressors. Consider this:

  • When a parent deploys for 19 months or more, kids’ achievement scores are lower than peers’ scores.
  • Teachers and counselors say that parental deployment can cause stress at home, often leading to more problems at school (such as incomplete homework, skipping school, or a less-engaged parent).
  • Kids’ resiliency can be impacted when a parent is away, and parents/teachers/counselors sometimes feel that helpful resources can be hard to navigate.

What can you and your teens do to combat their stress?

  • Watch for signs of stress, and actively use stress-management techniques. You can also find children-centered techniques in these HPRC resources. Recognize that stress-management skills are important to develop whether you are a Warfighter, family member, or civilian.
  • Military parents can alert teachers and counselors when a parent is deployed and enlist whatever support is available.
  • Parents’ well-being impacts their teens’ well-being. Be sure to take care of yourself by eating right (individually or with your family), exercising, and managing your own stress.
  • Bolster resiliency skills, both in times of stress and in times of calm. You can learn how with practical tips in "Building Family Resilience."

Relax and overcome your stress

HPRC Fitness Arena: Mind Tactics, Total Force Fitness
Filed under: Mind, Relaxation, Stress
Learn about two natural responses—stress and relaxation—you can learn to influence and help you on your way to optimum performance.

The “relaxation response” is your body’s natural reaction against the negative effects of stress; it shuts off the “stress response” when the need for it is over. Recent research has shown that the relaxation response can decrease the harmful effects of chronic stress even at the gene level. Learn about your body’s natural stress and relaxation responses, when they are and aren’t helpful, and how to control them when their natural operations fail in HPRC’s “Influence Your Body’s Stress & Relaxation Responses.

“Good” stress—Is there such a thing?

HPRC Fitness Arena: Mind Tactics, Total Force Fitness
Sometimes stress can be helpful. When it is, it’s called “eustress.” Learn how to shift your view of stress.

Some intense military training, such as in the Special Operations Forces, screens personnel by ultimately selecting those who can handle extreme adversity. In fact, how you view stress can have a big impact on whether the stress you experience is helpful or not. When you have a positive interpretation of your stress—that is, “eustress”—you may feel “amped up” enough to perform your best without experiencing any negative effects.

How do you experience stress in a positive manner? Try reframing it. Your situation doesn’t have to “suck”—it can just be a challenge that ultimately helps you grow more resilient. When you use this approach, it’s easier to take on whatever comes your way instead of engaging in unhelpful practices that may just increase your stress. Learn to find meaning in what’s difficult with your word choices. Here are some examples of statements you may find helpful:

  • “Go beyond!”
  • “I can!”
  • “I am!”
  • “Makes me stronger.”
  • “For my buddies.”
  • “For good.” (Or if you are spiritual, “For God.”)
  • “Feel it!”
  • “Dig deep.”
  • “You got it!”
  • “It’s all good.”

The list goes on. Figure out what words or phrases help you switch from seeing stress as a negative to feeling it’s just another challenge to tackle.

For more information on how to handle stress, check out HPRC’s Stress Management section.

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