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Back To Basics Christina

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No matter how conscientious we are about taking care of ourselves, it is part of the nature of the role of a mother to get burned out from time to time. The key is developing techniques and skills for bouncing back from these challenging periods.



I have developed seven steps for getting my mojo back when I am burned out. I start by going back to the basics of self-nurturing and then I add elements of self-care one by one. I owe a debt to psychologist Abraham Maslow's "hierarchy of needs" for influencing the framework underlying these ideas.

1. Fill your own cup. When you are burned out, it's time to go back to basics. Are you getting enough sleep? Eating well? If you are feeling ill, do you promptly make an appointment to see the doctor? This may sound so basic that it doesn't need to be said, but how many times do we as mothers take care of everyone except ourselves? I know that sometimes after I've fed everyone else breakfast and gotten them out of the door in the morning, I truly forget that I have not actually eaten breakfast myself.

It is worth making our basic needs a conscious and well-tended priority. Sleep in particular is something that is tempting to cut short as we juggle our daily demands, but long-term sleep deprivation can lead to serious burnout. Sleep experts tell us that our entire nation is dangerously sleep deprived and there is not doubt that mothers are at high risk. "Sleep debt" does not spontaneously get better on its own. The only way to recover is to "pay it off" by sleeping more.

2. Value your free time. If you are in an intense phase of motherhood that leaves you little time to pursue your own interests, you can use this as an opportunity to bring your desires into focus. Before you have a chance to act, observe where you are pulled. What would you do if you did have free time? Frustration can be used as "creative tension" and for me, one of the great lessons of motherhood is that it taught me to truly value my free time and spend it wisely.

3. As your mojo comes back, experiment and explore. Your energy might start flowing in new directions that don't end up being your final path, and may even flow in ways that aren't productive at first. That's okay. You can direct that energy in a more focused way later on. I enjoyed having the luxury to develop my new interests under the radar as a stay-at-home mom. I was able to start writing my book without having the pressure of outside deadlines or expectations.

4. As you experiment, take a small step in one new direction as you explore a new path or adjust an old one. This could include career research and planning, or creative endeavors. We give our kids many opportunities to try out new things, but how often to we give ourselves permission to take that leap of faith--to find a new interest, or even to learn that we aren't good at it and that's okay?

5. Free your mindspace, play, and have fun as much as possible, both with your kids and on your own. In all of our discussions about parenting, I think that fun is the element that is left out much too often. It is a gift to rediscover the joys of kids' play. Parenting is humbling and it's okay to learn not to take ourselves too seriously.

6. Enlist family teamwork. Make the invisible housework visible, and then divide fairly. As they say, "You don't get what you deserve, you get what you negotiate." I know that sometimes it feels easier and quicker to just do housework ourselves in the short run, but over the long term this will lead to resentment and burnout. It is worth the effort to teach all family members to be involved in household tasks. Being a mom is signing up for a life of service but should not mean that we become our family's servant.

7. The world needs your leadership. Find a cause you believe in and get involved in whatever way you can at this stage of your life. Even if you just make a small donation now to a cause you support, doing so will help you stay connected to work you care about. Mothers can be a powerful force for good if we all do what we can.

The gifts and challenges of motherhood form a complex weave. Along the way you'll need to slay the dragons of stereotyping, inauthenticity, dealing with the gap between expectation and reality, feeling your emotions, staying centered, and dealing with stress. You'll need to develop your own approaches to slaying these dragons...or making friends with them.
Back To Basics Christina
Out-of-Pocket Maximum

The most you will have to pay in a year for deductibles and coinsurance for covered benefits.

You will sometimes see this referred as Out-of-Pocket Maximum, Copay Maximum, or Max out of Pocket depending on the health carrier. They all mean the same thing. They let you know how much you will have to pay in a catastrophic health situation up to your lifetime max (which is usually in the millions...or should be if you are dealing with a reputable carrier).

The max out of pocket is probably the most important part of your policy and hopefully you'll never see it. It essentially caps out your liability for the Big What If. Health care costs have risen at significant rates for the past decade and will likely continue. Simple procedures such as an ACL repair (very common knee surgery) can run $15K to $20K. Cancer treatment can runs 10's to 100's of thousands. This is really the reason to have health insurance. Let's dig a little deeper to understand how it works and make sure you choose a California health plan that addresses this need well.

First, with most health plans, you pay a deductible first, afterwhich you then start to share costs with the carrier until you hit your max out of pocket. It's important to use in-network PPO providers with a PPO plan otherwise you can actually pay more out of pocket. For example, let's say your Max out of pocket is $5000 and you have a $20,000 elective surgery (covered benefit) at a non-participating hospital on a non-emergency basis. The contracted PPO rate for that procedure may be $12,000. In this case, you will pay your $5000 (max out of pocket) and the difference of $8000 between the allowed negotiated PPO rate and your hospital's charge. So you will be looking at $13K out of pocket in stead of the $5K. Stay in-network to keep your max out of pocket down.

The out of pocket max is per person for a policy with multiple family members except for HSA (Health Savings Account) plans. You will typically see a "2 member max" clause by the max out of pocket amount. This means that if two people on a family policy meet their max out of pocket, the other family members do not need to. This protects from catastrophic situations in which many family members have significant bills in one year. The HSA's have a cumulative max out of pocket. The entire family is all working towards one family max.

Once your max out of pocket is met, you should have very little out of pocket for covered benefits, in-network. You also have a lifetime max which is usually around $5 million for PPO plans and typically unlimited for HMO plans. Be careful of plans where they cap benefits such as hospital daily charges or annual benefits. You will not find those types of plans on this site because they can create enormous financial consequences for a subscriber with large medical bills.

Some carrier include the deductible as part of the max out of pocket, while others apply the deductible in addition to the max out of pocket. Officially, the Max should cap copays and co-insurance but the inclusive type works much better.
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About Author
Both Amy Tiemann & Dennis Jarvis are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Amy Tiemann has sinced written about articles on various topics from Burnout, Women. About Amy Tiemann: Before becoming a mom, Amy Tiemann earned her Ph.D. in Neurosciences from Stanford University. Today, her work helps women regain their "mojo" when entering motherhood. Often times, women lose themselves when baby is born. Getting in to. Amy Tiemann's top article generates over 40500 views. Bookmark Amy Tiemann to your Favourites.

Dennis Jarvis has sinced written about articles on various topics from Finances, Business and Finance and Finances. Dennis Jarvis is a licensed California health insurance broker with extensive knowledge of the Individual and Small Group health market in California. More information can be found at. Dennis Jarvis's top article generates over 40500 views. Bookmark Dennis Jarvis to your Favourites.
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