With the release of the second book in the Healing from Hidden Abuse series, Exposing Financial Abuse: When Money is a Weapon, I have innocently been asked why this an important topic to cover. It’s a good question but one that, honestly, took me by surprise a little bit each time I was asked.
Why wouldn’t any discussions of calling out abuse be significant and why does this specific one need a qualifier of why it’s important?
After I had been asked this question several times and heard my own reply, I realized that the topic of financial exploitation and abuse really does have a long way to go before it is seen as a “legitimate” form of domestic violence and doesn’t require an explanation of why someone would write a book about it. I am beginning to realize why very few books are currently published on the topic of financial abuse within personal relationships. Sure, there are books on elder abuse and ponzi schemes. but I have found very little research or published works on this particular genre. Part of my motivation for writing Exposing Financial Abuse was to fill the gap in published information.
We would never ask authors who write about physical abuse why it is an important topic to cover. It would actually be an offensive question. Financial abuse should be no different. The lasting impact on the survivor and society as a whole are enormous. How? Let’s take a look and maybe people will no longer have a reason to ask why financial abuse is an important topic to cover, and see it in the same dangerous light as physical harm perpetrated by an abuser.
I live in a world of therapy and recovery where harm done to others is enough reason to educate oneself on the topic. The devastation itself doesn’t have to walk up to our own front door and barge in to make it something that is concerning to me and my colleagues in the field of trauma-informed care. However, the larger world around us needs to know why financial abuse happening to someone else should be of importance to them personally. If we don’t experience it, sometimes we have a hard time caring that others do.
Financial abuse leads to poverty
Within the pages of Exposing Financial Abuse, raw and unedited survivor stories are the main focus and serve as the foundation of the book. During the research prep stage, I read close to 2000 individual experiences of financial abuse, and then protection and restoration. That’s a lot of data on this topic and I learned so much.
One common theme among the survivors who participated in the research project was the complete financial devastation that took place when an abuser overtly or covertly gained control over the victim’s finances. This often leads to living at or below what would be considered the poverty level. When basic needs become scarce, survivors do what they must to take care of themselves and their children. That often includes needing temporary government assistance, the help of local community food banks, loans from family members, and the use of payday loans that have spiked interest rates. In the Chapter titled Basic Needs, I cover story after story of exactly how financial abuse leads to living at poverty levels; even when the family income does not warrant it.
Financial abuse leads to debt accumulation
Targets of financial exploitation have had their names and personal data used to open accounts where the debt balance was run up and the abuser disappeared when the bill arrived. On the other side of the coin, survivors of economic exploitation sometimes will turn to their credit cards to help fill the gap financially where the abuser left a damaging hole. Personal debt to income ratios not only impact the individual but unpaid debt that must be taken at a loss by the company can have a snowball impact on the economy as a whole.
Financial abuse often includes criminal behaviors
Within Exposing Financial Abuse, a whole chapter is devoted to the illegal and fraudulent activities perpetrated by abusers who use money as a weapon. If financial abuse happening to someone else really isn’t of interest to some people, I certainly hope crimes being committed within our neighborhoods and among friend groups is enough to get the attention of many people.
A society that looks the other way regarding personal financial crimes runs the risk of becoming numb to other crimes. This is a very dangerous path to be headed down.
Financial abuse is rampant within the Family Court system and kids are suffering because of it.
Right now, today, some parents are hiding their true income and assets so that it will not be included in the calculations for child support payments and they can pay the least amount each month. That is disgraceful and should not be tolerated within our communities. When deadbeat parents refuse to pay their legal, ethical share to the care and support of their children, it leads to the responsible parent having the full financial burden. Often, it is more than one person can manage and debt begins to accumulate and families inch closer to the poverty line. This takes place even when the responsible parent is working full-time. It is very expensive to just maintain adequate food, clothing, shelter, transportation, and medical care. Those are basics needs to raise children. Never mind any added wants or desires.
I have barely tipped the iceberg of why relational financial abuse is an important topic to cover. I hope others with greater specialized education will pick the ball up and run with it. We need a collective approach to addressing this hidden abuse that has devastating consequences for us all; even if our lives have never been directly touched by this form of harm. It does frame how we function as a society.
Keep Dreaming Big!
“Daily Mom Pressures, It’s Never Too Late & The Power to Change”
I had a fantastic time laughing with It Takes A Village host, Ashley Carroll, about the challenges of motherhood, finding our way through jealousy and becoming comfortable in who we are as women – Shannon
To the show: http://theashcarroll.com/podcasts/065
In each life, there will be sunshine and rain. In Texas, sometimes these two weather events happen at the exact same moment. I have taken my fair share of pictures with sunshine in the near distance and dark thunderstorm clouds overhead. Life is often like Texas weather; we can be experiencing happiness and pain all at the same time.
As we get ready for Thanksgiving, it seemed like a good time to sit down and send a message to you. In each of our lives, there are bound to be areas of sunshine and rain. The rain, or painful situations, can make showing up emotionally and/or physically for Thanksgiving difficult. The sunshine, or reasons to be grateful, will put a pep in our step for the holiday. Often people will have two parallel tracks going in life. No life is all good or all bad. It is a mixture of both in the same picture.
Regardless of where our lives fall on the spectrum of joyful or difficult, we can enjoy Thanksgiving in our own ways. If it involves a quiet day by yourself or a small group of folks, take in the calm that can be present. Pause and enjoy that you are in control of all your own decisions for the day. Learn to see solitude as a gift and a time to enjoy your own companionship or that of a few other people. As the day goes on, collect five (5) things that happened (or didn’t happen) that you can be grateful for.
If Thanksgiving will have you spending it in a large group, I suggest pausing to take in the five (5) senses. What are you seeing, what are hearing, what are you tasting, what are you smelling and what are you touching? In the blur of a busy holiday crowd, tensions can sometimes come up or we find ourselves drawn in different directions that can be overwhelming. Choosing to be purposeful in staying present in the moment can help us enjoy our surroundings more.
As for me, my day will be on the quieter side spent with my small immediate family. It will include food, football and maybe a mimosa or two. Having a day to relax is a treat and even though life is never “perfect” for anyone, there is so much to be celebrated. Thanksgiving is one day when we can choose to focus on the things in our lives that bring us comfort and the warm fuzzies.
Thank you so much for being a part of the blessings in my life. It has been an incredible year and I am thrilled to get to share the journey with you.
Keep Dreaming Big!
In this series on adult bullies, we have looked at the Accusing Bully who has a need to make you their scapegoat so they don’t have to look at their own shortcomings. We have also examined the Bitter Bully who may have started out as someone close to you, but when your life took off in some great way, the Bitter Bully became threatened. Both of these adult bullies are driven by their insecurities. Not so for the next bully. Calculating Bullies are driven by rage. They want your life full of misery and are willing to be the vessel to make that happen. Wonderful, right? Even though we may not want to acknowledge that terrible people exist in the world, they do. We are naïve to think we will never cross paths with someone who would love to see us fail.
Who are these Calculating Bullies? They could be a family member, co-worker, someone pretending to be a friend or romantic interest. They can also be people we meet while involved in a ministry or church. Basically, there are multiple ways a calculating bully can enter your life. My hope is that being able to identify how these folks operate will help you to create solid boundaries around a calculating bully so their poison doesn’t fully engulf your life.
I am often asked why Calculating Bullies set out to pick apart someone’s sense of self-worth and goodness in life. This form of adult bully encompasses both the accusing nature and bitterness of the previous bullies we have already discussed. They take those unpleasant character traits and add gasoline on top.
From my personal experience having run into this type of bully, and as a professional counselor, I believe there are a few key methods the Calculating Bully utilizes and I want to share two with you today.
“You Will Not Have What I Cannot Achieve”
This inner-dialogue is similar to the Bitter Bully but the intensity is different. The Bitter Bully often uses passive-aggressive methods to let you know that your success or joy has stepped on their toes. The Calculating Bully will try to remove those items from your life. They go to great lengths to use flat-out lies about you to smear your reputation. They will call in their troops to further spread the hateful message of the Calculating Bully. They will target you and try to make you look incompetent in whatever way fits the environment. If the Calculating Bully is in a family, they may discredit you as an adult child or parent to your own children. If the bully is within a workplace, the Calculating Bully could sabotage you by going behind you and changing your work to have it include errors that you did not make. If it is in a church environment, the Calculating Bully will spread rumors about you to make leadership question your appropriateness for ministry.
These adult bullies are out for blood. They feel no shame about how they try to reach their goal of destroying you and everything you have achieved, but they have not.
“I Will Make You Think Everyone Hates You”
The Calculating Bully wants you to feel isolated. They desire to know that you feel rejected and left out. It makes them smugly happy. In reality, your rejection is usually just smoke and mirrors. Sometimes they are able to achieve a successful smear campaign and people do actually turn away from you. More often, I have witnessed the Calculating Bully trying to create a false sense of reality. If the adult bully is a former friend, they will encourage people to give you space for a season to let the dust settle on whatever conflict may have happened. The Calculating Bully knows this will land with you as the silent treatment and that’s the goal. In the workplace, this adult bully will purposefully steer other people away from inviting you to go out to lunch or after work together. The Calculating Bully enjoys the moment when you find out that you were excluded. In a family, this bully will flaunt their affection and often times, gifts, intended for other people in the family. You are never honored. Never celebrated. The Calculating Bully in a family with cut you off from the nurturing that all humans desire. This bully likes to see you long for what other family members are receiving right in front of you.
What are you to do if you have a Calculating Bully in your life? Quickly get away from them. Seriously. I know some situations are incredibly difficult to remove yourself from but every effort must be made to put as much distance between yourself and this form of adult bully.
Rarely do these bullies make lasting changes in their behaviors. That would require a tremendous amount of self-reflection and repetitious internal corrections in order to re-wire their internal compass.
A Calculated Bully doesn’t relate to other people in a normal way and that is why they can treat you so poorly. It is truly about them, and not you.
As a therapist, I believe it is therapeutic to engage in the simple of act of acknowledging what we know to be true. As you have read this blog, maybe a particular person has come to mind and you have begun to see that they are not only accusing and bitter, but their ugly actions are actually calculated. If you identified someone as a Calculated Bully, please say out loud the following:
I believe ____________________(name of person) is a Calculated Bully.
I believe he/she would like to see my life ruined.
I will stop giving ____________________(name of person) the benefit of the doubt each time I am hurt by her/him.
I will use everything available to me to put healthy distance between myself and ____________________(name of person).
I deserve to have people in my life who treat me with kindness and care.
My hope is that every Calculating Bully will face clear and solid boundaries from the people around them. It won’t change the bully’s toxic behaviors, but fewer people will have their lives negatively impacted. We must stop giving harmful people full access to our lives and hearts.
Keep dreaming big!
Disclaimer: For those of you who know me and my work around healing from abuse, please note that this blog is not about clinically abusive people (aka narcissists, sociopaths, or psychopaths). This series on adult bullies is about the other type of difficult people. The average garden-variety type of folks we run into out in the world.
The Different Types of Adult Bullies
This is the second post in a series on adult bullying. If you missed the first one on the topic, you can read it here at The Bitter Bully.
Who are these accusing adult bullies? They are individuals who, for some reason, need you to play the role of scapegoat. The accusing bully doesn’t know the real you. They know their distorted, constructed version of you. The accusing bully has created a false image in their head and since what we think is what we feel, they feel like you deserve their scrutiny. They might snap, be annoyed, and you have no idea why.
Now, we know not everyone is going to think we are fabulous. We sometimes just do not gel with certain personality types and that’s perfectly normal. The accusing bully doesn’t have an actual aversion to you. They have an aversion to how they see you. That’s the crazy-making part of being the target of an accusing bully.
When this happened to me, I found myself on the receiving end of someone saying that I was going to respond to conflict in a way that is not at all how I handle myself or disagreements. I thought this individual knew me well too so I was taken aback by their perceptions. It caused me to do some immediate soul searching. How do I carry myself in the world that I am perceived in such an incorrect way by this person? Was it incorrect or do I not know myself very well? Am I the type who would react the way this person expected me to? As you can see, the accusing bully can really challenge your views of yourself. At least for those of us who take the time to be self-reflective; in an effort to always be growing as individuals.
After spending time rattling around in my own thoughts, I asked a couple of people who knew me even better than the individual who was accusatory about my responses to conflict. Those closest to me confirmed that I didn’t have some false view of my conflict resolution skills. These conversations helped cement the idea that the accusing bully had their perceptions that had nothing to do with the real me.
Why do some people adopt a distorted view of us and do so on purpose? Yes, I do think the accusing bully chooses to paint an inaccurate picture of our character.
This is especially true if they should know better but still go ahead and scapegoat us. Watching this in my own life and with some of the clients I have worked with as a therapist, I believe that the accusing bully has a need to misunderstand us. Our role as scapegoat somehow works for them. Maybe they want to continue in their own unhealthy behaviors and if we can take some of the responsibility, then less ownership lands on their lap. Perhaps the accusing bully projects their own areas of growth onto us, rather than addressing their limitations. In the case of my accusing bully, I honestly believe that rather than taking a hard look at their own issues of conflict resolution, they projected outward and onto me. Luckily, I was able to catch this tactic and not allow their words to have a lasting impact on my view of myself.
What is the best way to address an accusing bully? You might try pointing out that you don’t see yourself in the way the bully is accusing. It is possible that you are going to get push back and a level of denial from them. If you are not able to openly discuss that you feel scapegoated, you may need to consider distancing yourself from the person. It is very difficult to have any level of authentic relationship with someone who feels the need to create a falsehood about you and then treats you differently because of the lies they have told themselves.
Keep dreaming big!