Not Feeling “Blessed”
Many of you know the Facebook posts. Photos of happy, hugging, carefree couples and families with some sort of “We are Blessed!” or “These Are My Blessings!” scrolled in beautiful calligraphy type writing at the bottom. Because it’s that time of year. A time to give thanks. Everyone is so pleased with themselves.
I never cared for people saying, “I feel so blessed!” Because so many others are out there struggling. I’ve always preferred to say, I’m grateful. It’s a better way to frame one’s appreciation of life.
But I don’t feel blessed and this year I might even struggle with gratitude. I’ve had progression twice. My husband was forced to take early retirement at his very good paying job that had good healthcare. He found other work that pays a lot less. He is also getting some severance and a small pension from the early retirement. But his new job offers health insurance that is too pricey for me to pick up, plus it is only good in Ohio. My onc is in Pennsylvania.
So I’m stuck with Medicare and today I find out my Verzenio co payment this month is $2500. After that, it will be $650 a month. Oh, but it renews in January, so another $2500 and then $650 monthly. Our income is too high to qualify for any kind of assistance to help with the copay. I’m floored that Medicare works this way. I also still pay Medicare about $1600 a year for part B. And dh will pay about $4,000 in health care premiums, plus we will still both have deductibles and copays.
To me, it’s a nightmare. And I’m bitter at my husband’s previous employer who was deceitful in the way they distributed information in order to reduce their workforce.
In addition, the Verzenio I take leaves me with nausea, some diarrhea, fatigue, lack of appetite and lack of stamina.
So I’m not feeling the blessed thing. It will soon be nine years I’m dealing with mbc and this year, it has really brought me down. It felt like all these things got heaped on me this year, and why? What did I do wrong? I do feel at times like the universe is punishing me for no good reason.
Thanks for listening.
Comments
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Holding your hand. I think you're wonderful and miss you around. My insurance is similar so I can relate, it's either eat or live. I don't feel blessed either, but im not a very religious person either and I struggle with that all the time. I hope the season just passes on by and we can be glad it's all done. I'm already Bahumbug. Sending you hugs of support. Think of you often.
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Divine, I am thinking about you. Many of us have gone through waves (or perhaps remain in waves or permanent states of not feeling so “blessed"). Honestly, I am always suspect of anyone who so conspicuously flaunts how fabulous is their life/family/relationship/job/social life, etc. If it were indeed fabulous, they would likely be out enjoying it rather than trying to paint the perfect yet phony picture of their lives on social media. Many people seek to establish the life they want in Facebook and other sites which is very different than the life they have! Why would anyone post on Facebook how great their husband is when they could walk over to the next room and say it to his face?? Weird. It is all a big scam!
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Spot on, Divine!! Are their no "Cadillac" Part D Medicare supplement plans to pick up more of the costs of these incredibly expensive drugs?!
Hope you can just ignore all the financial issues and celebrate your coming-up "Decade Survivor" year- 2020!!!
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Are you on Medicare now? If so, it’s open enrollment time till Dec 7. Check into the Advantage HMO plans. You may be pleasantly surprised. I’ve had it for the past 6 years. 0$ copay for PCP, $10 for specialist. My lymph node surgery in April that kicked me into stage 4 was $50. And no outrageous monthly premium out of pocket Forget about worrying about plan F or Dfor whatever it’s included
I’m currently on ibrance/letrozole. My co pay on it would be over $600 a month, my insurance picks up the rest. My MOs office got my patient assistance from the drug mfg. It’s NOT income related. I pay nothing for it.
Yes it’s a HMO, and I do have to deal with referrals. I’ve been happy with everything about them all through this cancer trip. They only thing they have denied was a sleeve and glove for the LE.
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Devine- I am thinking of you also. The financial toxicity of cancer and other diseases is immoral in this country. (someone on SNL called these insurance companies "like a bad boyfriend".) you got insurance technically- but, you can go bankrupt paying for care. as a country we need to break up with these bad insurances. So much greed in many of the employers-
I totally agree with JFL- the perkiest people I have met at times are hiding a very unhappy life. Many young people are getting off these social media sites- the pressure to show a perfect life is too much.
I think it is hard for me because most people even those who love you have no idea what to say or do- they only want to hear that you are great, but, they also say they want to know the truth. well... one or the other. I must say- that I am a better listener to those who suffer now, and I try not to get attached to their details-just listen and support. that is why we have each other to vent to- being in the same situation helps with understanding.
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Divine, you didn’t do anything wrong. I doubt the universe cares. But people care.
Here is my snarky (unspoken) response to that person who says, “I’m so blessed!” How nice for you. I’m so cursed. Obviously God loves you more.
I think sometimes “I’m so blessed” is just a sanctified way of bragging about all the great things that person does, and all the great opportunities they have because they are so amazing, etc. Whoa, cynical, I know.
I hear you. Financial toxicity. Physical toxicity. Loss upon loss. So when yet another misfortune befalls my family, we say, oh of course that happened to us, because we’re cursed. Perhaps we will get T-shirts that say so.
Actually the blessed/cursed thing just points out how odd it is to look for a reason in all this.
Don’t think I am constantly in a state of anger. In one hand I hold my rage at the unfairness and the grief over the losses past, present, and future. In the other I hold my moments of happiness, beauty, and love, and a recognition of the good things in my life. Yes, a person can hold all these things at the same time. I had to explain this to some support group people today when they tried to cut me off from sharing my true feelings and make me only grateful and positive.
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Thank you everyone for this thread, makes me feel less alone. I am in limbo again (the mystical "multidisciplinary team" is apparently figuring out next steps) and at these times I tend to either get very anxious or just really tired. I am two years into stage IV with nothing but progression for the past year (liver, bones) and starting to realize that I am headed into the next (though maybe not final) phase.
I also react poorly to the "cancer is the best thing that ever happened to me" rhetoric. I'm glad that some feel this way, but cancer has taken just about everything away from me.
BUT I live in Sweden so I pay about 150 dollars a year for medical treatment (for cancer, probably the best in the world according to my doctor friends in the USA) and maybe another 200 dollars per year for meds. On disability I don't get a lot but its enough to live on, and they won't make me sell my home. It astonishes me to think that people going through Stage IV cancer also have to deal with a financial burden. No matter what your politics, there has to be a better way.
Thanks to you guys I am going to drag myself into work and try to get a little bit done today. Cancer is no blessing but you all are!
best, AMY
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Thank you, everyone, for listening to me and talking me down from the ledge. All of your posts help, big time.
Shetland, you describe exactly how I feel about the blessed comments: to that person who says, "I'm so blessed!" How nice for you. I'm so cursed. Obviously God loves you more.
The mom of one of my son's friends always posted photos of her and her husband, at Ohio State football games, Steelers games, floating in their pool, riding the big Harley. Then, bam. After 30 years of marriage, they divorced. Two months after that last posted pool picture. It befuddles my mind.
Yesterday, someone else who posts “Wednesday Wisdom" had a frilly, scrolly, flowery written meme: “A great attitude becomes a great day which becomes a great month which becomes a great year which becomes a great life." Yeah, until a metastatic breast cancer diagnosis throws a wrench into the mix. I refuse to put a perky spin on it.
Arolson, I, too, loathe the mindset that “cancer is the best thing to happen to me." How not true.
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Re: Medicare. Even though I am on Medicare due to disability, Ohio Medicare laws state you must be 65 before you can get that Cadillac drug coverage or a Medigap plan. It will be several years before I'm 65, so my only option is a Medicare Advantage plan, which covers some drug costs but the specialty drugs like Verzenio come with high copays and no out of pocket max. As soon as I'm eligible for the better coverage, I will be all over it, provided of course I'm still living.
But ain't that a kick in the head, in Ohio you have to be 65 for better coverage?
I did more investigating last night, and found income limit figures for getting copay help. Its based on adjusted gross income on tax forms. Our 2018 and 2019 tax forms show/will show income from dh's previous employer which puts us over the limit. I am starting to be okay with that. Once we file 2020 taxes in about 15 months, our income will be less and I should qualify for copay help,if I'm even still on Verzenio. And, it's not even that we will be poor. We will still have good income.
Looking at the big picture, I can pay the large copays knowing it should be for less than a year and a half. I was catastrophizing. projecting myself into the future imagining financial ruin, and really, that's incorrect.
The other side of that coin is realizing we had the money when it came time to help ds with his college tuition, and I drive a nice car and live in a nice house. I was okay spending money on all those things. I have to accept that I will need to spend some big chunks of money for my prescriptions and accept that I'm worth it. A part of me still remembers that little girl I once was who wore her three older sisters hand me downs and watched my dad drink away the money needed to run the household. I'm light-years past that, but sometimes in my mind I regress.
Thank you, everyone, for your support.
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Oh Divine, I'm so sorry for the anguish you are feeling. Sending a big gentle hug for you and a shoulder to lean on.
Most people don't realize that dirty little secret of Medicare for the under-65 set, and I was just talking about it on another thread. Federal law does not require companies to sell Medigap to people under 65. Some states require that "at least one policy" be sold but it doesn't appear that it has to be Plan G, which is the one that covers the outrageous co-pays for my IV chemo every 3 weeks. And even in states that do require companies to sell a policy to people under 65, they are allowed to charge whatever they want (it's a given that our medical expenses are going to be outrageous), and they can make you wait 6 months before benefits kick in (the look-back period). I won't collect the SSDI benefits I'm entitled to after paying into the system my entire life even though I could really use it since I'm no longer working because I refuse to be forced onto Medicare. It would bankrupt us faster than my over-priced private insurance will. At least with my private insurance, once I reach the Out-Of-Pocket Max in March/April (with help from the mfg's co-pay assistance program), I have no co-pays for the rest of the year and can breathe a little easier.
Those of us who are under 65 are in a no-win situation with Medicare. There are no easy answers.
I think the "I'm so blessed" crowd is really struggling with insecurity and seeking validation and that's why they are constantly seeking attention. I post about gratitude once in a while, but only to remind myself that there are still good things in my life and it doesn't all suck, and I would never say I am blessed! I really don't understand the mindset of having to share every moment of one's life as it happens, I'd rather enjoy the moment and focus my attention on the people I'm with, not strangers on the internet. When someone needs constant validation from strangers on the internet about how great their life is, I think they must be very lonely and insecure. But maybe I just don't understand the younger generation.
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Mrs.M, I'm sorry you're having such a downer of a year. Progression is no fun at all. I seem to be having it semi-regularly now so I'm getting used to it but the first few times it was a wrench every time.
I'm glad that you seem to be perking up a bit. We all get frustrated. You should have seen me a month ago -- rehabbing two hip surgeries, can't move, why on earth am I bothering with this -- but time passes and I started to feel better. It seems that you are too.
You've been a rock to so many of us. You think clearly, can express gentle points and good philosophy, particluarly to the newly diagnosed. Save some of that gentleness for yourself.
Many hugs to you and lets hope that next year will be better for all of us. The SEs will mysteriously disappear, we'll all stay out of the hospital, the tumors will all shrink.
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Divine Mrs. M. - I always look for your posts and have been so encouraged by them for the past years. I’m so sorry that you have gone through such a difficult year. I agree with Pajim that progression changes can be so difficult and you’ve had a double blow recently. I remember when I first went on a Medicare drug plan and saw the copayments for targeted therapies. I felt shocked and sick. Incredulous actually. I had those momentary thoughts wondering if it was worth it. And the answer is YES! You are worth it.
I know you said you do not qualify for any patient assistance programs. If you haven’t already, please call the Verzenio help line directly. When I was taking Verzenio, I thought I did not qualify either based on income and information I read on their website. The representative told me that they have a completely different guideline for oncology drugs and he helped me connect. It did not appear anywhere that I could seeon their website. I ended up receiving my Verzenio at no charge directly from Lily. I hope they can assist you.
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Devine Ms. M, I’m so sorry that you’re going through this! Your posts have helped me a lot since my diagnosis 3 years ago! I struggle with the financial toxicity of this disease every day! My husband had to quit his job soon after I was diagnosed which left me as the sole provider for the family. Thankfully I am still able to work, but it has gotten harder to get through the days! I get angry a lot and the anger tends to overtake me, but I don’t want to put my husband through that! I try to think about my son whose in college, doing great, and still likes to spend time with me! He is the main thing that keeps me going!
Hoping for a better 2020 for all of us!
Christine
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Thank you so much, everyone. Your words are a salve to my wounded soul.
I’m learning it’s okay to feel down, sad and depressed about the things I’m currently going through. I have a side of me that’s always aware that others deal with worse things than I, so I tend to minimize my experiences. I don’t want to “soldier through” the difficulties as a valiant warrior ignoring what I feel.
I have a Hail Mary call in to the cancer center financial navigator about the Verzenio copay and should hear something today. If that doesn’t pan out, I’ll make one last ditch effort and call the Lilly company. It’s getting time to reorder and I’m working against the Thanksgiving holiday.
I didn’t know about the Medicare rules for those under 65 until I needed to use Medicare so that part sucks. I may have made different choices had I known. Ah, but hindsight is always 20/20.
Thinking of you all at the start of Thanksgiving week.
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DivineMrsM I don't spend a lot of time here but you are one of my inspirations. It can be difficult to be on social media and see everyone living their lives while we deal with this disease. I have to say that I have seen many who post these "Feeling Blessed" posts who are actually miserable. As a divorcee I get really irritated about the ones who post about the love or their life when I know that their marriages are barely hanging on. I don't get it. Many with solid marriages never post (brag) about it. I take these posts with a grain of salt because it's not reality.
I'm just 62 but qualify for Medicare in January and have been looking at the drug plans. My insurance agent told me to contact Medicare about the drug plans. I just got off the phone with them and the lady told me that if it's a cancer medication even if it's oral, it's covered under Part B. Yet it sounds like many here are paying outrageous costs for medications. I don't know how to pick a Part D plan. I even asked the financial counselor at the cancer center and she didn't have an answer like she didn't really know. I guess I'll talk to my oncologist on my visit next week. I find it particularly cruel that we have to be concerned about cost burdens when we are so vulnerable. The whole Part D plans are based on plugging in your current medications, but we don't know from month to month what we will be on. I have to confess to growing weary with this and I'm only dealing with it for four years. Hugs and strength to you for your inspirational nine years and to everyone else where they are on their journey.
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Mrs Divine - Thank you for authenticity and not being afraid to share your truths! I have always loved your shares and posts from day one. You were one of the first people to respond to me when I found bco and you helped me calm my mind in so many ways. So thank you for this.
I also getting annoyed by the woowoo crystal magic new age overusage of “words of positivity.” So much of the time, it is coming from a person who is trying to convince themselves that everything is good and okay. But instead of digging deeply into their pain, they are using an overly-used coverup to conceal the sorrows which are part of being a human being.
I once had a wonderful therapist who would talk with me about the Buddhist idea of “idiot compassion.”
To be a spiritual warrior, one must have a broken heart; without a broken heart and the sense of tenderness and vulnerability that is in one's self and all others, your warriorship is untrustworthy. -- Chögyam Trungpa
A good article on this topic that you may or may not appreciate (and where I stole the abov quote from): https://charterforcompassion.org/spirituality/idiot-compassion-and-the-power-of-sorrow
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Thanks, dorimak and Philly, for your posts. Is it that people are not being honest with themselves about their own lives that they claim such love an affection for someone you know they’re having difficulties with? Really, there are so many people dealing with depression and anxiety but perhaps they aren’t owning up to it publicly, thinking they must present the false front.
Regarding Medicare and cancer meds being covered. That only means a portion is covered. You could still be on the hook for high copays if you exceed income limits. So if the drug cost $12,500, the Medicare plan might pay $10,000 and you are responsible to pay $2500. The next month you will go to catastrophic coverage and “only” owe $650, every month for the rest of the year. That sweet little Medicare page says “people rarely reach this phase” meaning catastrophic. They’re not really helpful!
Philly, thank you for the link. I will definitely read it.
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Dorimak- If you are switching to Medicare, you may want to recheck the info you were given. All of my oral targeted therapies (Ibrance, Verzenio, etc) fall under my Part D drug plan. And as Divine says, we still owe the copays (although there are several patient assistant programs that can help, even retroactively).
The only oral med that I’m aware of that falls under Part B is xeloda , which is oral chemotherapy It has something to do with the fact that they could give the drug via IV in a hospital. That’s how they were covered whenever i was on them, so i think the info they gave you isn’t accurate. Just thinking trying to prevent any kind of surprise. Good luck.
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DivineMtsM and Moissy, thanks for the info. on Medicare. Based on what I've read on these boards, it didn't sound like what the Medicare person said was true. If it was, we wouldn't be seeing so many complaining of high costs. I did see that if there's an IV and pill form as in Xeloda, that it would be covered in part B but didn't see anything anywhere that said all cancer meds are covered on Part B. Now I'm back to agonizing over what plan to choose from. I am on disability and have a small pension. My income isn't large, although I am on the high end of social security. I also have 401K savings. Does anyone know if the patient assistance offered by the pharma companies consider savings or just income?
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Dorimak - I used two patien assistant foundations for co-pays and they only considered income, not savings.
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Dorimak,
Something like Faslodex, which is given via injection, IS covered by Medicare Part B. The reasoning on that (similar to the xeloda thing) is that it is given via injection. As others have said, Medicare Part D "covers" these expensive targeted therapies -- the question is just how much they cover. The copays are horrendous. As others have said, it seems to be income related for the patient assistance foundations.
When I was first going on faslodex/Ibrance in June, the Medicare help number person couldn't even tell me if faslodex was covered via Part B. They are not the most informative.
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Patient assisted financial programs don't factor in savings, only adjusted gross income (agi) from your income tax form. Really, they're pretty generous. To qualify for financial assistance for Verzenio, a family of 2 must make below $84,000. Our agi was few thousand dollars more than that last year, so I will end up paying the high copays. I have talked to anyone and everyone who could help me, and there's no getting around it. I am okay with it knowing that I left no stone unturned to see if there was any financial help. It's the sticker shock that gets to me, and knowing that while on private insurance I paid 0 dollars for the same medicine. It befuddles my mind. I will pay $2500 this month. In December, it will be $641. Then in January, everything resets and I start off with the $2500 again.
Whoever came up with the Medicare prescription payment formula needs...well, my really mean side would say they need waterboarded.
Here’s a convoluted explanation from one Medicare drug plan for Verzenio. What bullshit. You have to be a friggin mathematical expert to understand the formula for payments.
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Last night dh and I had a heart to heart talk. Much of the time we just have an understanding of what we're both going through, but this time we verbalized our fears and concerns. He saw me looking dejected and asked if I was okay. Generally, the man doesn't notice stuff like that, so I really must have looked out of sorts! I was glad he picked up on it because I keep things to myself too often. But I was ready to talk.
Dh presents as a carefree guy, but he said he worries about me every day. Honestly, I had no idea. He shared his thoughts and I told him I'm always open to talking about life and death so he is welcome to bring any matters up at any time and it won't bother me.
I told him I'm more worried about some trash bag woman coming in to his life when I'm gone and taking him for his money than I am of death! I said, how would you like to save for retirement then have another woman come in and redecorate your house and spend all the retirement money? Part of this was light hearted banter, but I did convey the seriousness of my concerns.
We discussed prescription costs and how we have the money for them but it's getting over the sticker shock of the price. And of course he is adamant that I'm worth it.
We discussed other family matters, too. Dh said some of my depression is probably from having an uncertain future, I think he's right and it is something I wasn't in touch with. And while we didn't find solutions for everything we talked about, it felt really good just to talk, be heard and know that I'm seen, that what I'm going through is noticed.
Today feels better.
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DivineMrsM, you may not be feeling "blessed" but some people would kill to have a husband like yours. I can understand your concerns about trash bag women.
I'm really glad you're feeling better. We go back a long way here on BCO and I've always appreciated your posts. Regarding Medicare and insurance issues: what craziness! Combine that with the crappiness of BC, no wonder people get depressed.
Hope Thanksgiving will be a pleasant distraction for all.
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Devine- can you do anything to lower your Agi by that few thousand- like a charitable donation? I saw an article last week about trying to do that because Medicare costs are a “cliff” for $1 more in agi you can be on one side or the other of a huge increase in costs for Part B.
Glad you had a good talk with DH- this cancer is really hard on them also.
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Nkb, that's not a terrible idea!
You can reduce your adjusted gross income in a few different ways. This post https://www.thebalance.com/tax-planning-basics-3193487 says:
"As of 2019, adjustments to income include but aren't limited to:
- Contributions you made to a traditional IRA
- Student loan interest paid
- Alimony paid—at least through 2018
- Classroom-related expenses paid by educators
- Some business expenses paid by performing artists, certain government officials, and reservists
- Contributions to health savings accounts
- Moving expenses for certain members of the Armed Forces
- A portion of the self-employment tax, as well as self-employed health insurance"
So making contributions to a traditional IRA might work, if either you or spouse still has earned income.For 2019 the max to contribute to a traditional IRA is $7,000 if you are over 50. Here is the IRS post on the limits.
https://www.irs.gov/retirement-plans/traditional-and-roth-iras
Something to consider, anyway.
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Nkb, reducing agi is a good idea and when filing next year’s taxes, I will see what I can do, so,thanks for the suggestion.
Heidihill, we do go back a long way, and I’m happy for that! I always love your posts and what you have to say.
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one other (morning coffee) thought about “not feeling blessed...”
I have learned from years of therapy and inner soul searching that it is OK to feel multiple emotions at the same time. It is normal to feel both angry and sadness together. Sadness and happiness together...gratitude and envy...not being blessed and this is one helluva f-ed up way to live while at the same I should be grateful for life and what I have.
It can feel incredibly conflicting to feel these emotions at the same time or within a close range of time from one another. Like, maybe we aren’t being true to the one most overpowering feeling, or giving that feeling less validation, or doubting its worth and truth, by having other emotions arriving at the same time.
But it is all so normal and totally okay.
Mrs Divine I am not sure if this is part of why you wrote your original post - but I think about these kinds of things a lot.
I love the practice of mindful meditation/awareness when it comes to these kinds of things...that I can say to myself: I am aware that I am feeling angry right now...or...I am aware that I want to both laugh and cry...or...I am aware of a deep grief due to my medical diagnosis and at the same time aware that I feel a sense that I should be feeling more grateful and happy, even though I am unaware of those feelings of gratitude at this time.
This awareness practice helps me to take a few steps back from the reaction/reactivity mode of emotions, yet give each and every one of them the respect and validation they deserve. All these feelings are totally valid!
Easier said than done of course...I write this not to explain to everyone else but as a reminder for myself!
Love,
Philly
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What a nice post, Philly. I'm definitely one who lives with conflicting feelings towards many different things (perhaps none more so than my 91 year old MIL). Not everyone understands the concept, my dh being one. To him, you either love or hate, are for or against, are glad or sad. No gray area allowed. And god forbid you feel one way this year about something then change your mind next year. He doesn't leave room for anyone changing their mind. He thinks everyone is like him and I'm the only one who allows different feelings to exist with one another.
I would say the not feeling blessed can bring guilt feelings for not allowing the good stuff to override the bad. There's much pressure these days to appreciate all you have, to be the aww shucks everything's gonna be alright kind of girl, present that perky package to the world. Dh and I both know we have it good on soooo many levels. But parts of life can still bring you down, some things still seem unfair. Perhaps it is human nature to feel this way. It does help to cut myself some slack.
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This is an interesting and honest discussion. Divine M, I especially liked your comments about coexisting but contrasting feelings and thoughts. To me that seems normal. All one way seems unusual. Most of the time I am "glass half full" and grateful. Sometimes, though, I am weary--just so tired,and think that if I were to ever start crying, I might not be able to stop.
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- 7.8K Hormonal Therapy - Before, During, and After
- 50 Immunotherapy - Before, During, and After
- 7.4K Just Diagnosed
- 1.4K Living Without Reconstruction After a Mastectomy
- 5.2K Lymphedema
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- 591 Pain
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- 109 Welcome to Breastcancer.org
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