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Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 19, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - Jun 19, 2024Hindi
Money

Hello sir, I am 31 year old unmarried individual. I have debt of about 10 lacs. My monthly expenses including bills and household expenses come upto 9k per month. My debt is at 40k per month. I earn 50k in hand each month. I have no savings, no mutual funds, no pf money even. I have exhausted all of them in clearing my debt. (I had debt of 12 lacs). Since last 3 years, I have been taking money from credit card, NBFCs, etc to manage my expenses and debt. But over the last 3 months, things are getting out of hand. I am now 60k in debt expenses excluded. My salary is the same. No other means of income. My credit score is hit, my dues are pending for more than 2 months. I need to come out of this very badly. I am not getting any loans (thought of consolidating all of them into one). How do I come out of this, sir?

Ans: I understand the stress you are under and appreciate your honesty. Managing debt can be overwhelming. Let's work on a plan to help you regain financial stability.

Understanding Your Current Financial Situation
You're earning Rs 50,000 monthly. Your debt repayment is Rs 40,000 per month. Additionally, your monthly expenses are Rs 9,000. This leaves you with no savings and a deficit of Rs 9,000 monthly. Your debt has increased to Rs 60,000 in recent months, and your credit score has been negatively impacted.

Immediate Steps to Manage Your Situation
1. Assess and Prioritize Debts
List all your debts, including credit card and NBFC loans. Note their interest rates and monthly payments. Prioritize debts with higher interest rates. Paying them off first will reduce the amount you pay in interest over time.

2. Negotiate with Creditors
Contact your creditors and explain your situation. Many creditors will work with you to create a more manageable payment plan. They might offer lower interest rates or extended payment terms. This can provide temporary relief and make your monthly payments more manageable.

3. Cut Unnecessary Expenses
Examine your monthly expenses. Look for areas where you can cut costs. Even small savings can add up over time. Focus on essentials and eliminate any non-essential spending. Every rupee saved can help reduce your debt.

4. Increase Income
Consider part-time work or freelance opportunities to boost your income. Every additional rupee can go towards paying off your debt. Look for gigs that match your skills and can be done in your spare time. This can help bridge the gap between your income and expenses.

Creating a Sustainable Financial Plan
1. Budgeting
Create a strict budget. Allocate funds for your essential expenses and debt repayments first. Stick to this budget rigorously. This will ensure that every rupee is accounted for and used effectively. Use budgeting apps or tools to track your expenses and stay on top of your financial situation.

2. Emergency Fund
Once your debt is under control, start building an emergency fund. Aim for at least 3-6 months’ worth of expenses. This fund will act as a safety net in case of unexpected expenses. It will prevent you from relying on credit cards or loans in the future.

3. Debt Snowball Method
After negotiating lower payments, focus on paying off the smallest debts first. This is known as the debt snowball method. Once the smallest debt is paid off, move to the next smallest. This method provides quick wins and keeps you motivated.

Long-Term Financial Health
1. Rebuild Credit Score
Make timely payments on all your debts. Avoid missing any payments. Over time, this will improve your credit score. A good credit score will give you better options for loans in the future, with lower interest rates.

2. Savings and Investments
Once your debts are manageable, start focusing on savings and investments. Begin with small, regular savings. Consider investing in mutual funds through a certified financial planner. They can provide professional advice and help you choose the right funds.

3. Avoid High-Interest Loans
Avoid taking new loans or using credit cards for non-essential purchases. High-interest loans can quickly become unmanageable. Focus on living within your means and saving for future expenses.

Seeking Professional Help
1. Certified Financial Planner (CFP)
Consider consulting a certified financial planner. They can provide personalized advice and help you create a long-term financial plan. A CFP will help you navigate complex financial situations and provide guidance tailored to your needs.

2. Debt Counselling
Look into debt counselling services. They can provide support and advice on managing your debt. These services often offer educational resources and tools to help you stay on track.

Mental and Emotional Well-being
1. Stress Management
Financial stress can take a toll on your mental health. Practice stress management techniques like meditation, exercise, or talking to a friend. Taking care of your mental health is crucial during this challenging time.

2. Support System
Lean on your support system. Friends and family can provide emotional support and sometimes even financial advice. Don’t be afraid to ask for help or guidance.

Final Insights
Your current financial situation is challenging but not insurmountable. By taking immediate steps to manage your debts, cutting unnecessary expenses, and potentially increasing your income, you can start to regain control. Creating a strict budget and sticking to it will help ensure that your money is used effectively.

Rebuilding your credit score will take time, but making consistent payments and avoiding new high-interest loans will help. Seeking professional advice from a certified financial planner can provide the personalized guidance you need to navigate this situation.

Remember, every small step counts. Celebrate your progress, no matter how small. You're not alone, and with determination and the right strategies, you can overcome this financial hurdle.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - May 04, 2024Hindi
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Dear Sir, I am a 31 year old married man.I am in a huge debt trap of multiple loans plus credit card mounting around 9 lakhs. I work in MNC company earning 70k per month. Please advise or suggest if I can come out of this.
Ans: I understand your concern about being in a debt trap, but there are steps you can take to address the situation and work towards financial stability:

Assess Your Debt: Start by listing out all your debts, including the outstanding amounts, interest rates, and minimum monthly payments. This will give you a clear picture of your financial situation.
Create a Budget: Develop a detailed budget that outlines your monthly income and expenses. Identify areas where you can cut back on spending to free up more money to put towards debt repayment.
Prioritize Debt Repayment: Focus on paying off high-interest debt first, such as credit card debt. Consider using the debt avalanche or debt snowball method to systematically tackle your debts.
Negotiate with Creditors: Reach out to your creditors to discuss repayment options. They may be willing to negotiate lower interest rates, waive fees, or offer a repayment plan that fits your budget.
Explore Debt Consolidation: Consolidating your debts into a single loan with a lower interest rate can make it easier to manage and potentially reduce your overall interest costs. However, be cautious and carefully evaluate the terms and fees associated with any consolidation offer.
Increase Your Income: Look for opportunities to increase your income, such as taking on a part-time job, freelancing, or seeking a higher-paying position within your company.
Seek Professional Help: If you're feeling overwhelmed or unsure about how to proceed, consider seeking assistance from a financial counselor or debt relief agency. They can provide guidance and support tailored to your specific situation.
Avoid Taking on New Debt: While you're working to pay off your existing debt, avoid taking on any new debt if possible. Stick to your budget and focus on living within your means.
It may take time and discipline, but with a solid plan and commitment to debt repayment, you can overcome your debt challenges and regain control of your finances. Remember to be patient with yourself and celebrate small victories along the way.

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Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 22, 2024

Asked by Anonymous - Jun 15, 2024Hindi
Money
Sir my monthly salary is 20625 and I took a personal loan of 300000 lacs multiple loan app last 2 year and I have credit card also but with my daily expenses I couldn't pay the total emis and bills so I took some credit from cred application it's almost 100000 lacs and now I'm unable to pay any of them as my salary is very low to pay so many emis I can't stop thinking about all this I'm facing anxiety and depression due to debts. I want to come out of this debt and get clean from all this problem. I want to save money and live a normal life. I couldn't share it with anyone also. My father us retired and he couldn't help me.
Ans: You’re facing a tough financial challenge, and it’s understandable. Managing multiple loans and credit card debts on a low salary is stressful. You’ve taken a loan of Rs. 3,00,000 and additional credit of Rs. 1,00,000, leading to overwhelming EMIs. Your daily expenses make it hard to manage these debts, causing anxiety and depression. Let's explore a plan to get you out of this situation and towards financial stability.

Prioritising Mental Health
First and foremost, your mental health is crucial. Financial stress can take a heavy toll. Please know that you’re not alone, and it’s okay to seek help. Talking to a trusted friend, family member, or professional can ease the burden. Remember, mental well-being is as important as financial stability.

Assessing Your Debts
Let’s break down your debts:

Personal Loans: Rs. 3,00,000
Credit Card Debt: Rs. 1,00,000
Your total debt stands at Rs. 4,00,000. Given your monthly salary of Rs. 20,625, this debt load is unsustainable. The first step is to understand the exact EMIs and interest rates associated with each loan and credit card.

Creating a Debt Repayment Plan
1. List All Debts

Write down all your debts with their respective EMIs, interest rates, and remaining balances. This helps you see the full picture.

2. Prioritise High-Interest Debts

Focus on paying off high-interest debts first, usually credit cards. These debts grow faster due to high interest, making them harder to repay if not tackled early.

3. Debt Consolidation

If possible, consolidate your loans. This means combining all your loans into one with a lower interest rate. It simplifies repayment and reduces the overall interest burden. Contact your bank for options. They may offer a consolidation loan.

4. Negotiate with Creditors

Approach your creditors and explain your situation. Sometimes, they can offer reduced EMIs, lower interest rates, or extend the loan tenure. This can ease your monthly payment burden.

5. Avoid Taking More Loans

It’s crucial to stop borrowing more money. Avoid any more personal loans or credit. Taking more loans will only worsen your financial situation.

6. Automate Payments

Set up automatic payments for your EMIs. This ensures that you don’t miss payments and incur late fees, which add to your debt.

Cutting Down Expenses
1. Create a Budget

List your essential expenses—rent, groceries, utilities—and allocate your salary accordingly. See where you can cut down unnecessary spending.

2. Reduce Discretionary Spending

Limit spending on non-essentials like dining out, entertainment, and shopping. Redirect this money towards paying off your debt.

3. Focus on Essentials

Stick to spending on essentials only. Avoid any luxury purchases until your financial situation improves.

Exploring Additional Income Sources
1. Part-Time Work

Consider taking up part-time or freelance work. Even a few extra hours a week can significantly increase your income, helping you pay off debts faster.

2. Sell Unnecessary Assets

If you have items at home that you no longer need—gadgets, furniture, etc.—consider selling them. The extra money can be used to pay off debts.

3. Rent Out Space

If you have extra space in your home, consider renting it out. This could bring in additional income to help with debt repayment.

Building an Emergency Fund
Even while paying off debts, it’s essential to build a small emergency fund. Start with a goal of Rs. 5,000. This fund is for unexpected expenses, so you don’t need to rely on credit cards or loans in emergencies.

Planning for the Future
1. Start Small Savings

Once you’ve stabilised your debt situation, start saving a small portion of your income. Even Rs. 500 a month can make a difference over time.

2. Invest Wisely

When you’re ready, consider investing in mutual funds through a Certified Financial Planner (CFP). Start with small SIPs. These offer better returns than traditional savings methods like FDs.

3. Focus on Long-Term Goals

Think about your long-term financial goals—buying a house, retirement, etc. Start planning for these once your debts are under control.

Final Insights
You’ve acknowledged your financial difficulties, which is the first step toward solving them. With a structured plan and disciplined approach, you can overcome this challenge. Focus on repaying high-interest debts first, reduce unnecessary expenses, and explore additional income sources. Building a small emergency fund and planning for future investments are also key steps.

Remember, there’s a way out of every problem. It might take time, but with persistence, you can regain control over your finances and live a stress-free life.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 06, 2024

Asked by Anonymous - Jun 20, 2024Hindi
Money
Sir my monthly salary is 20625 and I took a personal loan of 300000 lacs multiple loan app last 2 year and I have credit card also but with my daily expenses I couldn't pay the total emis and bills so I took some credit from cred application it's almost 1 lacs and now I'm unable to pay any of them as my salary is very low to pay so many emis I can't stop thinking about all this I'm facing anxiety and depression due to debts. I want to come out of this debt and get clean from all this problem. I want to save money and live a normal life. I couldn't share it with anyone also. My father us retired and he couldn't help me.
Ans: I truly understand how stressful financial difficulties can be. It's commendable that you're seeking help to resolve your debts and plan for a better future. Let's develop a comprehensive strategy to tackle your debts and set you on the path to financial stability.

Understanding Your Financial Situation
Firstly, it’s crucial to understand the full picture of your financial situation. Here’s what we know:

Monthly salary: Rs. 20,625
Personal loan: Rs. 3,00,000
Additional credit: Rs. 1,00,000
Total debt: Rs. 4,00,000
Monthly expenses are high, making it difficult to pay EMIs and bills.
Emotional and Mental Well-being
Debt and financial stress can lead to anxiety and depression. It's important to take care of your mental health. Try to talk to a trusted friend or family member about your situation. Sometimes, sharing your burden can make it feel lighter. Professional counseling can also be very helpful.

Immediate Steps to Manage Debt
1. Create a Detailed Budget
List all your monthly income and expenses. This will help you see where your money is going and identify areas where you can cut costs.

2. Prioritize Essential Expenses
Ensure that your basic needs such as food, rent, and utilities are covered first. Allocate funds for these before paying off debts.

3. Negotiate with Creditors
Contact your lenders and explain your situation. They might be willing to restructure your loans or provide a more manageable repayment plan. Some may even offer a temporary reduction in payments.

4. Avoid Taking More Loans
Stop taking new loans or using credit cards. This will only add to your debt and make the situation worse.

Debt Repayment Strategies
1. Debt Consolidation
Consider consolidating all your debts into one loan with a lower interest rate. This can simplify your payments and reduce the overall interest you pay.

2. Debt Snowball Method
Focus on paying off the smallest debts first while making minimum payments on larger ones. Once a small debt is cleared, move on to the next smallest. This method gives you a psychological boost as you see debts being eliminated.

3. Debt Avalanche Method
Prioritize paying off the debt with the highest interest rate first while making minimum payments on others. This method reduces the total interest you pay over time.

Boosting Your Income
1. Part-time Jobs or Freelancing
Look for opportunities to earn extra income through part-time jobs or freelancing. Even a small additional income can help reduce your debt faster.

2. Sell Unused Items
Consider selling items you no longer need. This can provide a quick influx of cash to put towards your debts.

Long-term Financial Planning
Once your immediate debts are under control, focus on building a stable financial future.

1. Emergency Fund
Start building an emergency fund to cover 3-6 months of expenses. This will provide a cushion for unexpected financial challenges.

2. Systematic Savings Plan
Begin saving a small portion of your income regularly. Even a small amount can grow over time through disciplined saving.

3. Avoid Unnecessary Spending
Be mindful of your spending habits. Prioritize needs over wants and avoid impulse purchases.

Investment Planning
After stabilizing your financial situation, consider investing to grow your wealth. Here's a simple guide on different investment options.

1. Mutual Funds
Mutual funds pool money from many investors to purchase securities. They offer diversification and professional management.

Equity Funds: Invest in stocks, providing high returns but with higher risk.
Debt Funds: Invest in bonds, offering stable returns with lower risk.
Hybrid Funds: Combine equity and debt, balancing risk and return.
2. Power of Compounding
Investing early allows you to benefit from compounding, where your earnings generate more earnings. This can significantly grow your wealth over time.

Disadvantages of Index Funds
Index funds aim to replicate the performance of a market index. Here are some drawbacks:

Lack of Flexibility: Cannot adapt to market changes.
Market Risk: Entirely exposed to market fluctuations.
Lower Returns: Often underperform actively managed funds.
Benefits of Actively Managed Funds
Actively managed funds are managed by professionals who make investment decisions to outperform the market.

Flexibility: Managers can adapt to market changes.
Potential for Higher Returns: Aim to beat the market.
Risk Management: Professional managers can mitigate risks.
Disadvantages of Direct Funds
Direct funds have no intermediary, potentially saving costs but have drawbacks:

Lack of Guidance: No professional advice.
Time-Consuming: Requires active management and monitoring.
Higher Risk: Without expert guidance, risk of poor decisions increases.
Benefits of Regular Funds Through CFP
Investing through a Certified Financial Planner (CFP) offers numerous advantages:

Professional Advice: Expert guidance on fund selection and portfolio management.
Regular Monitoring: Continuous review and adjustments to optimize returns.
Tailored Portfolio: Customized investment strategy to meet your specific goals.
Tax Planning
Effective tax planning can enhance your savings and investment returns.

1. Utilize Tax Deductions
Maximize deductions under sections like 80C through investments in PPF, ELSS, and other eligible instruments.

2. Health Insurance
Premiums paid for health insurance can be deducted under Section 80D, reducing your taxable income.

Estate Planning
Ensure your assets are distributed according to your wishes through proper estate planning.

1. Draft a Will
Clearly state how your assets should be distributed. This prevents legal complications and ensures your wishes are honored.

2. Appoint Nominees
Appoint nominees for your bank accounts, insurance policies, and investments. This simplifies the transfer of assets in case of your absence.

Final Insights
Financial challenges can be overwhelming, but with a structured approach, you can overcome them. Prioritize your debts, create a budget, and look for ways to boost your income. Once your debts are under control, focus on building a stable financial future through disciplined saving and investing.

Consult a Certified Financial Planner (CFP) for personalized advice and guidance. Stay disciplined, and remember, small steps can lead to significant progress.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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I am talking to a boy for arranged marriage. He said me that come to Bangalore you will have a good career. But he is also asking me if I can leave my job if I have got some responsibility in life to which I said yes. Then I said that I prefer own cooked food over cook cooked food. Then he asked me if I can cook for 2 people to which I said that I will have to look if I can do. He seems to be supportive when he talks on phone. Is he brain washing me, should I say yes or no. Is he a red flag. What should I do.
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It isn't fair to label someone as a red flag over a few days of conversation; seeing women take up responsibilities of home and disregard their own career or needs might be what he has seen growing up and it's not him being a red flag intentionally. A lot has to do with upbringing. What I can suggest with confidence is that if you love having your own job, and your own financial independence then please be vocal about it. Just because he is asking you to leave your job doesn't mean you have to do it- you are only in the talking phase. You are not married yet. You have ample time to rethink your choice. Cooking and housework shouldn’t just be your responsibility, just like earning and providing shouldn’t only be his. It’s about sharing the load equally. Having said that, I should also mention that every relationship is different, and each couple finds their own way of balancing things. Ultimately, everything boils down to what you are comfortable with- please take some time to figure that out and only then decide whether or not to take this relationship ahead.

Hope this helps.

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Asked by Anonymous - Dec 25, 2024
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Hi, My GF of last 2.5 years gets attracted to men very often and shares her feelings with me as well. She developed feelings for a guy a year back and he kissed her once when they were drunk. She said she didn't had time to react and Later they had a talk, she informed me that they chose to be friends, she doesn't seems to in talking terms any more with him. She talks to lot of male friends who she claims are from LGBTQ community which I doubt whether all are or not. I always say she has the freedom to move on any given day but she can't cheat but she doesn't think getting attracted to multiple men and acting on it as cheating . She says, she is free spirited and she is ok even if I visit a prostitute house. She is in her early 30s. She had a crush another guy on insta and said she will definitely try him if he wasn't lot younger than her but later said he is her best friend and she is in constant touch. Lately, she says vibe doesn't match and have problem saying I am her BF. I tried to move on from relationship 2-3 times because of her above traits and now stopped talking since few days. She had both mental and medical issues. Can I trust her and will she have any mental issues again?
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You’ve already shown patience and willingness to work through these challenges, but the repeated cycles of doubt and frustration may be a sign that the relationship is taking more from you than it’s giving. Ask yourself if you feel supported, valued, and emotionally safe in this partnership. Relationships should bring out the best in you and your partner, not leave you questioning your worth or constantly trying to accommodate behavior that feels unfair.

Taking a step back, as you’ve done now, can give you the clarity to evaluate what you truly want and need in a relationship. If trust feels irreparably broken or if her behaviors and values are fundamentally misaligned with yours, it may be time to consider whether staying in this relationship is the healthiest choice for you. You deserve a partner who respects your boundaries and builds a connection based on mutual trust and understanding.

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Relationships Expert, Mind Coach - Answered on Dec 26, 2024

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Hi Anu, My husband is in living relationship with another lady since April in another country. At the same time, he acused me as selfish for doing my PhD in my native country and put me in mental trauma by verbally accusing.Also,he was very clever, he step by step get rid of all the things related to our relationship and took bank all the bank fund in my name.After that he blocked me.I had doubts on his extra marital and asked him 1000 times. But he simply insulted and blocked me from all social media eventually. After finishing my PhD pre submission, when i went to meet him, in his place. I found him, shifted to another apartment. But i somehow, found it and there i came to knew, he is staying with a lady there for past months. I broke down and informed all his friends. Now he is threatening me for signing mutual consent, otherwise he will make false allegations and tore my good name..Already he partially did that. When I talked to his friends, he was crooked enough to tell them, i am a psycho, ademant, career oriented lady. I told him i am ready to give him mutual divorce after once we met in person. I want to ask him why he cheated me.but he is not ready to meet, he is asking me to talk to his advocate. What shall I do now?
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Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi
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Hello, I am a 35-year woman from Manali, divorced for three years now. My family is constantly pushing me to get remarried, saying it’s ‘for my own good.’ But honestly, I don’t feel the need for marriage again. I’m financially stable, have great friends, and I genuinely enjoy my independence. Despite explaining this to my family multiple times, they keep bringing up alliances and even guilt-trip me, saying things like, ‘Who will take care of you when you’re older?’ or ‘What will society think?’ I’m exhausted from these arguments and feel like I’m being cornered into something I don’t want. How do I stand firm in my decision while maintaining my relationship with my family? How do I help them understand that being single is a choice, not a problem to fix?
Ans: When speaking to your family, try to approach the conversation from a place of empathy. Acknowledge their intentions by telling them you understand their worries and that they want what they believe is best for you. Express gratitude for their care—it often helps diffuse their defensiveness. However, it’s equally important to gently but firmly assert that your happiness is not dependent on remarriage. Share how content you are with your current life, emphasizing your financial stability, fulfilling friendships, and personal growth.

Sometimes families struggle to accept choices that diverge from traditional norms, often driven by fears about societal perceptions or imagined futures. Reassure them that your decision is rooted in thoughtful consideration and self-awareness, and that you’ve built a life that brings you peace and joy. If they bring up concerns like loneliness or old age, you can address these by expressing how you’ve cultivated strong support systems and how your independence equips you to face challenges.

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Lastly, remember that changing deeply ingrained beliefs takes time. Your family might not immediately understand your perspective, but consistency and calm communication will help over time. It’s not your responsibility to conform to their expectations if doing so diminishes your sense of self. By staying true to your values while showing compassion for their concerns, you’re paving the way for mutual respect and understanding.

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Dr Nandita

Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 19, 2024Hindi
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Dr, I’m 35 years old from Jamnagar, and my husband and I have been trying for a baby for the past year, but nothing seems to be working. I recently visited a fertility clinic in neighborhood , and after a few tests, they mentioned that I might have blocked fallopian tubes. The gynaec also talked about possible treatments like surgery or IVF, but I’m really confused and worried. Should I go for a laparoscopy to check the severity, or are there any other alternatives that could help me? I’m really anxious and just want to understand my options better before making any decisions.
Ans: History noted.
Considering your age 35 years, trying to conceive since, one year and few test done, one of which suggest possibility of tubal blockage, there are various modalities of treatment.
Firstly, you can do laparoscopy to note the severity if blockage and do tubal cannulation.
Tubal cannulation is often the first line of treatment for patients with blocked fallopian tubes because it's a non-invasive procedure that's widely available.
Tubal cannulation is a procedure that can unblock fallopian tubes and is highly successful for proximal tubal blockages, with a success rate of over 80%. However, it may not be successful for all patients and is not recommended for distal tubal occlusions.
This procedure if successful can avoid IVF procedure. Laparoscopy has…
Yes, before ivf get all your blood test, ecg, 2 D echo, xray chest to rule out any illness
Same with your husband to get semen analysis and viral markers with blood sugars to be done.

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Dr Nandita

Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 17, 2024Hindi
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Hello Doctor, I’m in my late 20s, and lately, I’ve been feeling like something’s off with my body. My periods either show up way too early, sometimes not at all for months. And, I’ve been putting on weight even though I haven’t changed my diet or exercise routine. My skin has also turned into a battlefield with acne all over, which I never used to have before. My cousin, who’s around my age, just found out she has PCOS, and her mom (my aunt) went through something similar when she was younger. Now, I’m scared because I’ve been hearing all these horror stories about how it can affect fertility, and I’m not even married yet. What if it’s a family thing and I end up facing the same problems? My mom says, ‘Don’t worry, it’ll be fine,’ but I can’t stop thinking about it. Should I see a gynecologist, or is there another kind of doctor I should be visiting? What tests should I do to get to the bottom of this before it gets worse? Honestly, I’m feeling overwhelmed and just want to know what’s going on before it’s too late.
Ans: Hello, noted your concerns
You are in late 20’s with irregular periods, acne, weight gain,
You are undergoing hormonal imbalance
We need to do certain blood test like
CBC, tsh prolactin fasting insulin level
Hba1c, testosterone level
DHEA, LH FSH ESTRADIOL LEVEL
Amd AMH level to check for fertility level
Usg pelvis to rule out
Pcos
The mainstay treatment. For pcos is lifestyle changes
1) Daily exercise, walks. Zumba, running
2) Good nutritious food with proteins, vitamins, minerals, low carbs and fats
3) good adequate sleep 7 to 8 hours
4) stress management: yoga meditation, breathing exercise
5) supplements to controls effects of pcos
6) low dose OC PILLS TO regularize the cycles

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