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Concerned Mother of Two - How Can I Help My Tenth Grader Focus on Studies?

Archana

Archana Deshpande  |69 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Nov 18, 2024

Archana Deshpande, the founder of TransformMe Life Skills Coaching, is an image consultant, soft skills trainer and life coach.
She has been working with individuals and corporate organisations for more than 10 years during which she has helped professionals and students improve their soft skills, build confidence and enhance self-esteem.
An engineer from the PDA College of Engineering, Gulbarga, Archana had a successful career at Reliance Communications. But she has always been interested in teaching and training people. So she pursued a postgraduate diploma in teacher’s training at Pune’s Symbiosis Institute of Management Studies followed by teaching assignments in schools at Visakhapatnam and Mumbai.
Archana also holds an international certificate in image consulting and soft skills training from the Image Consulting Business Institute, Mumbai.... more
revathi Question by revathi on Oct 24, 2024Hindi
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hi mam ...i am a mother of two sons one in tenth grade and other in sixth grade.i used to be with my elder one for studies and younger one studies on his own but i will make sure he is learning and help him when he needs. Recently i arranged tuition for elder one and also i am sitting with him but i could not see any improvement on him.I live in a joint family with 91 yrs old fil and 80yrs mil.Since child hood i set routine works ,make him sure that he completes his work.Chasing him for everything make me me unhappy as he needs to learn to prioritize his thing ,his work, etc. Dily conflict is coming with him and we are always in conflict mode. Consulted few psychologist and astrology but all in vain.dont know how to make him to learn his tenth grade where life route takes place.

Ans: Dear Revathi,

You are doing so much my dear...take a break from everything for an hour everyday and focus on your well being and peace of mind. 20-20-20 rule for you, meditate for 20 mins, physical activity for 20 mins and connecting with nature for 20 mins( these are your mini breaks).
If you can add 10 mins of an activity which makes your heart joyful then 'sone pe suhaga'!! Self-care comes first, a happy and joyful mother, wife , daughter-in-law is great to have around the house. You are doing so much don't you think you deserve 1 hr for yourself? Without thinking too much , just go ahead and schedule self-care in your time table.

Now let's solve your son's issue...since childhood you have taught him how to do things, he is grown up enough to do things on his own. Until and unless you allow him to do things on his own, how will he learn to do?
DO NOT CHASE...DO NOT CRITICIZE....DO NOT NAG, tell him what to do once and wait for him to do. If he does it fantastic, else let him face the consequences. Every action has to have consequences.. for eg, not studying will lead to less marks, it's his failure, not yours, let him take ownership of his actions, you are preparing him for life, let him falter now and learn to get up. Be there for him when he falls, your job as a mom is to ensure he is healthy...emotionally and physically. (Keep the atmosphere at home happy because you have another son too, he is younger and needs your attention too)
It is his 10th Std, not yours. Keep telling the importance of studies and scoring well and the need to study consistently( again no nagging). He is grown up now, take him to a place without distractions and have heart to heart conversations as a mom and son. Conflicts are neither good for him nor to you/the entire home.
Trust me, parenting is not an easy job, you have to raise yourself, before you raise a child. It is not an easy world for your son too.....raging hormones, conflicting world, conflicting views....the world at the click of a button, you be his rock solid supporter and cheer leader, be there for your sons, create a loving and caring home, where they feel secure and happy. A mother knows best, trust your instinct( the mother's instinct), believe in yourself and your children!!

Wishing the very best to all of you.. and happy parenting!!
Career

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Hello sir, my son is 18 year old after 10th i took his admission to electrical engineering 1st year of his engineering he is regularly going for college in 2nd semester got 5 subject ATKT due to government bless rule he got admission to 2nd year also but my son started avoiding to going to college hole day just watching mobile not studying for his ATKT subject also saying i dont want to study i want to become a youtuber but doing nothing hole day just watching mobile if i scold him and stop his wifi he is saying i will leave the house he is not bother about food nor about his health nor his Carrier just required WIFI for mobile i am very tense for his carrier and future he dont have friends also please advise how can i make him understand how study is important and how can i complete his engineering to get job to earn money thank you pravin k
Ans: Pravin Sir,

Addition to electronic gadgets is one of the problems, some parents face nowadays.

First of all, approach a good Professional / Qualified Student Counsellor along with your son in your locality. Make sure, the Counsellor has Psychology Background also. There might be some changes. If needed, you can approach a Psychologist, having specialised knowledge in Counselling the children of your son's age.

Follow-up counselling sessions with the counsellors are also important until he changes his attitude.

If possible, visit his college and request for couselling your son. Almost all colleges have counsellors who can help.

Some other tips:

1) Tell him, he also can become YouTuber. But ask him what plans he has to become a YouTuber?
2) Switching off WiFi & being authoritarian will not work.
3) Communicate or interact with him politely whenever possible.
4) Tell him he can use his mobile but, at the same time should focus on his studies as well.
5) Make sure, atmosophere at home is good. Such as, parents also should avoid spending too much time on Electronic Gadgets. Most of the children imitate only their parents.
6) If possible, tell him to participate in physical activities as well.

All the BEST for Your Bright Future.

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my son is 8 year old studying in Class 3 . The classes occus is in morning shift from 6.30 am to 1.30 PM . after comming from the scholl he tired and not able to study in night . plz suggest the Correct time table for the second shift school child so that we can manage his tiredness and keep improving him in balanced way.
Ans: Priya Madam,

You have not provided information regarding the number of hours your son sleeps.

(1) Given that your son is only 8 years old, it is important to ensure he gets a minimum of 8 hours of sleep at night and 2 hours in the afternoon. Sleeping hours can be reduced once he enters the 6th Standard.

(2) Ensure he receives a balanced diet and nutritious food to sustain his energy levels. (3) Encourage him to maintain regular water intake to prevent dehydration. (4) Facilitate opportunities for him to take regular breaks and engage in play. (5) A 3rd standard student can't study for extended periods. He should study for 25 to 30 minutes, followed by a 10 to 15-minute break after each 25-minute study session.

(6) I am providing this information for general awareness. Parents should refrain from physically assaulting their children to achieve compliance, as this can undermine their self-confidence. (7) They should engage in more polite and loving communication with the children. (8) Children frequently observe their parents and tend to emulate their actions. Ensure that the environment at home is tranquil. (9) Addiction to electronic gadgets may also result in fatigue. (10) Regarding the Study Planner, it has been previously stated that regardless of whether he studies in the morning or evening, he should engage in study sessions of 25 minutes followed by a 10-minute break after each session. He will not experience fatigue, and the output will be increased. Hope, this answer will help you, Madam.

All the BEST for Your Prosperous Son's Future.

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Hello Sir, My question - Male, Age is 29, Salary of Rs. 22000/- p.m., my expenses 6-8k p.m. (Approx), Current Investments: Mutual Funds 2k monthly, 3k RD monthly for 3 Yrs, what is suitable Health/Life/Term Insurance? ROI option for same? or Other Investment options? I have my father who got his pension & he manages our household Expenses.
Ans: You are 29 years old, with a stable monthly salary of Rs 22,000 and low monthly expenses of Rs 6,000–8,000. Your father’s pension covers household needs, giving you flexibility for investments. Current savings of Rs 5,000 per month (Rs 2,000 in mutual funds and Rs 3,000 in a recurring deposit) is a good start.

Priorities and Recommendations
1. Health Insurance
Health insurance is crucial to safeguard against medical emergencies.

Coverage for Self: Opt for an individual health insurance policy with a sum insured of Rs 5–10 lakh. Look for plans offering cashless treatment, comprehensive coverage, and no claim bonus.

Coverage for Family: If you wish to extend coverage for your parents, consider a family floater plan with Rs 10–15 lakh coverage. However, check premiums and benefits before including senior members.

2. Life Insurance
Term Insurance: A term plan is the most cost-effective option. Choose coverage of Rs 50 lakh to Rs 1 crore to secure your family financially. Premiums for a non-smoker male at your age are low (approximately Rs 5,000–7,000 annually for Rs 1 crore coverage).

Avoid investment-linked insurance policies such as ULIPs or endowment plans, as they offer low returns and inadequate insurance coverage.

3. Building an Emergency Fund
Save at least 6–9 months of expenses in a highly liquid instrument like a savings account, short-term fixed deposit, or liquid mutual fund.
Given your expenses of Rs 6,000–8,000, aim for Rs 50,000–70,000 as an emergency fund.
4. Investment Strategy for Growth
You have significant surplus income after meeting expenses. Allocate it to high-growth investment instruments:

Increase Mutual Fund SIPs:

Increase SIPs to Rs 5,000–6,000 monthly.
Diversify across flexi-cap, mid-cap, and small-cap funds for long-term growth. Suggested categories include:
Flexi-Cap Fund: For diversification.
Mid-Cap Fund: For higher returns over a long horizon.
Small-Cap Fund: Allocate a smaller percentage (10–15%) for aggressive growth.
Recurring Deposit (RD):

RD is low-yield and taxed. Consider redirecting RD savings into mutual funds or a Public Provident Fund (PPF) for better long-term returns and tax benefits.
Public Provident Fund (PPF):

Invest in PPF for a secure, tax-free return (current rate: 7.1%). It’s an excellent long-term savings tool, especially for retirement.
5. Tax Planning
Leverage Section 80C: Maximise Rs 1.5 lakh yearly investment in tax-saving instruments like PPF, ELSS mutual funds, or 5-year tax-saving fixed deposits.

Opt for a health insurance policy to claim benefits under Section 80D (up to Rs 25,000 for self and Rs 50,000 for senior parents).

Suggested Allocation of Rs 10,000 Monthly Surplus
Mutual Funds: Rs 5,000
PPF: Rs 2,500
Emergency Fund: Rs 2,000 (till the fund reaches Rs 50,000–70,000, then redirect to other investments)
Health Insurance Premium: Rs 500–1,000
Final Insights
Prioritise health and term insurance immediately.
Focus on mutual funds and PPF for long-term wealth creation.
Avoid low-ROI options like recurring deposits once current tenure ends.
By maintaining discipline and increasing investment amounts annually, you can achieve financial independence while ensuring your family is protected.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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