Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help

Can I Make My New Marriage Last Forever?

Kanchan

Kanchan Rai  |619 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 22, 2025

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Jan 22, 2025Hindi
Listen
Relationship

Hi, I'm Anjali 28. suggest me some ways through which i make my new married life stays forever with loyalty, love, trust, happiness. Me and my partner both of us have our pasts but i don't want to get affected by mine and his.

Ans: Hi Anjali, navigating a new marriage with the goal of building a lasting, loving, and trustworthy relationship is a beautiful aspiration. It's natural to have concerns about past experiences, but it's important to remember that your relationship is a fresh chapter that you and your partner are writing together.

To foster loyalty, love, trust, and happiness, start by focusing on open and honest communication. Share your thoughts and feelings with each other, even when they're difficult. This helps build a foundation of trust and understanding. It's also crucial to practice empathy, recognizing that both of you bring unique experiences to the relationship.

Make a conscious effort to leave the past in the past. Instead of dwelling on previous relationships or mistakes, focus on the present and the future you're building together. This doesn't mean ignoring past lessons but rather using them to strengthen your current bond.

Prioritize spending quality time together, nurturing your emotional connection. Be intentional about supporting each other’s growth, both individually and as a couple. Celebrate each other's achievements and offer comfort during challenges.

Lastly, don't hesitate to seek help or advice if you ever face difficulties. Whether through counseling or trusted friends, getting an outside perspective can help maintain a healthy and happy marriage. By working together with commitment and understanding, you can create a fulfilling and enduring partnership.

You may like to see similar questions and answers below

Ravi

Ravi Mittal  |616 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 28, 2023

Asked by Anonymous - Jul 28, 2023Hindi
Listen
Relationship
Dear Ravi , I am 40 year old guy married with 2 kids leading quite a happily married life. I did love marriage 14 years back and till date both of us have similar respect for each other. Since last 1 year I have fallen in love with my colleague and both of us love and respect each other very much and very difficult for both of us to leave each other. My wife knows about my relationship and she respects my feelings and says that Love is natural and can happen. Inspite of this we lead same bonding, love, respect, physical relationship i.e. everything for a normal husband wife. My question is there any any way by which I can make my new love a part of my family with due respect as a second wife, although I know being a Hindu the same is not possible, can you help me with your valuable advice. Is there any way out so that we all can live together. Regards, Anonynous.
Ans: Dear Anonymous,

I understand you are in a loving relationship with your wife, and simultaneously, you are in love with another woman. Ideally, this would be a very tricky situation, but your wife seems to understand your situation. Well, I can't advise you on how to keep two wives at once, but what I can say is that tread carefully and make sure to think about your kids and how your decisions might affect them before taking any step at all. You and your wife are mature adults, and you might understand the complexities of human emotions, but kids are impressionable and vulnerable. I hope you figure out the rest.

Best Wishes!

..Read more

Rishta

Rishta Guru  | Answer  |Ask -

Rishta Guru - Answered on Feb 12, 2024

Asked by Anonymous - Feb 12, 2024Hindi
Listen
Relationship
There is news of so many celeb divorces in the news. Marriages are so much more challenging these days. What is the secret to a good relationship between a husband and wife? How to make sure a marriage is long lasting?
Ans: Hello.
I can understand your worry.
It’s important to remember that celebrities are humans like the rest of us and face their own problem. At the same time, do also remember that many celebrities have marriages that have lasted decades and continue to flourish.
As a couple, you can build a strong, lasting relationship through effort and commitment. While guaranteeing a marriage's longevity is impossible, there are certainly qualities and actions that contribute to healthier relationships.
1. Strong communication:
Be open and honest. Share your thoughts, feelings and needs with your partner and ask them to share with you as well.
Be respectful and empathetic when you listen to their perspective. Don’t interrupt. Don’t judge.
2. Healthy conflict resolution
Learn to disagree respectfully and constructively.
You may have read/heard this before but it is important that you remember this. During these kinds of conversations in particular, avoid blame, personal attacks and bringing up past issues. Seek solutions together rather than trying to ‘win’ arguments.
3. Be kind, be respectful. Appreciate what you partner does
Treat each other with kindness.
Acknowledge and appreciate each other's contributions to the relationship and express gratitude regularly.
Respect individual differences and boundaries. Allow space for each other's individual interests and pursuits.
Support each other's goals and dreams. Be each other's cheerleaders and encourage personal growth.
4. Quality time and intimacy:
Make time for each other as a couple doing something you both enjoy. This time does not include daily routines and responsibilities.
Nurture physical intimacy in ways that feel comfortable and fulfilling for both partners.
Maintain emotional intimacy by sharing experiences, vulnerabilities and dreams.
Try your best understand your partner’s emotional needs.
5. Shared values and goals
Have open and honest conversations about your core values and long-term goals.
Work together towards achieving shared goals and dreams. Support each other's individual goals as well, even if they differ slightly.
Be adaptable and willing to grow together. Life experiences and individual needs may change over time, so be prepared to adjust and support each other's evolution.
6. Professional help
Seek professional help from a therapist or counsellor if you're facing challenges in communication, conflict resolution or other areas of your relationship.
Therapy can provide a safe space to explore issues and develop healthier communication and coping skills.
Remember, every relationship is unique and what works for one couple might not work for another. The key is to nurture your relationship, communicate openly and honestly and be willing to adapt and grow together.
It's also important to acknowledge that, even with best efforts, challenges may arise and sometimes relationships end. If you find yourself struggling, remember that seeking professional help or ending a relationship that is no longer healthy can be positive steps towards personal growth and future happiness.

..Read more

Kanchan

Kanchan Rai  |619 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 14, 2024

Relationship
Dear Thanks for your quick response to my earlier query, during the last 2 months I have tried to follow your advice & have also started support from our office counsellor, I am writing to you again as some aspects I felt ashamed to discuss with the office counsellor & some to have a 2nd opinion. I had deeply thought about my expectations from my marriage & wife. In the last 6 months as I am staying separate in Bangalore, I have found much better & am much more communicative with my wife, discussing & sharing emotionally. When we stay together the continuous expectation would put both of us in a panic & irritation ultimately resulting in fights & also finally not sharing & the bad luck of seeing her face will add oil to the fire, with many of my outbursts not being very parliamentary. So I see our relationship is better if it is long-distance. I discussed this with my wife & she also agrees somewhat, but the basis of husband-wife relationship is to stay together, where we fail. Since we stayed together for 17 yrs we know each other’s problems & historical facts which no one else knows, so frankly I need a long-distance person with whom I can share emotionally, but for my wife she requires someone who is also close to her physically. One idea that I got is to let things be as it is i.e. let her stay in Pune while I stay in Bangalore & she be in a relationship with Sumit & maybe stay with him without legally separating, maybe when my daughter is having holidays, we can have short trips. This will keep the social well-being intact as people will not know as we don’t have any close relatives in Pune. But I am worried about the long-term impact will our marriage last especially what plans should I make in old age. Want your opinion & what precautions do I need to take. In the last 2 mnths, I have been to Pune 3 times for the reason of my daughters JEE for which I help her. I talked with my wife about Sumit in early Jan & she said they are good friends & they share a lot of intimate talks; she was not ready to tell me anything more than that. On asking about physical relationships she was elusive . But she said she doesn’t want to legally separate from me. I also discussed if she wants, we can have a long-distance relationship supporting each other (without naming Sumit) she did not respond. Though Sumit talks to me once in 7-10 days we never talked about his relationship with my wife, we talk about status of his divorce, old office stuffs etc. 2 weeks ago my wife told me that Sumit's parents, divorced sister who had come for a visit to Pune will be coming to our house to meet her. Later she posted some photos in her WhatsApp status for everyone it will look as if some friend had to come to visit her (everyone will think some lady friend). In mid-January in one of my old office colleagues (who is a friend with Sumit) Facebook I saw that in his son's birthday my wife is there (he doesn’t know or have seen my wife), I tactically asked him who that lady was, he said it is Sumit’s friend. Can you please help me if she is going in the same way I am thinking about the future of our relationship. The last point is something which I could not ask anyone. During my last 3 visits to Pune I had sex with my wife. I will like to tell that my wife is always (since our marriage) very passive in sex she has to be told what to do 1 by 1, (though for me it gave me some amount of pleasure command) which she will do properly & maybe sometimes do 1-2 things on her own or ask me to do. She was same this time also. I never had sex relationship with anyone else so this acts maybe in a distance timeframe gives me a lot of pleasure. I am worried what will be this relationship be if she starts staying with Sumit, what is your advice? My counsellor advised me to sit & talk with Sumit & my wife together but really, I am not seeing any reason to do it, do I need to do this joint meeting & if so, what do I need to discuss
Ans: Dear Bappa,

It sounds like you've put a lot of thought into your relationship and your future with your wife. It's positive that you're able to communicate more effectively when you're physically apart. However, the idea of allowing your wife to be in a relationship with Sumit while you stay in Bangalore raises several complex issues, especially concerning the long-term viability of your marriage and your plans for old age.

Firstly, it's important to consider the emotional implications of such an arrangement. While it may alleviate some of the pressures and conflicts in your current relationship, it could also lead to feelings of loneliness, jealousy, or insecurity for both you and your wife. Additionally, maintaining this arrangement without legal separation could create legal and financial complications in the future, especially when it comes to issues like inheritance, healthcare, and support in old age.

Regarding your concern about your wife's relationship with Sumit, it's challenging to determine the nature of their relationship based on the information you've provided. It's possible that they are just good friends, as your wife has stated, but it's also understandable that you might have doubts given the circumstances. Ultimately, trust and open communication are key in any relationship, so it might be helpful to have a candid conversation with your wife about your concerns and expectations.

As for the idea of a joint meeting with your wife and Sumit, while it may provide some clarity, it's important to carefully consider the potential outcomes and whether it will truly address your concerns. It might be beneficial to seek the advice of a counselor or therapist who can help you navigate these complex emotions and decisions.

In summary, it's crucial to prioritize open and honest communication with your wife, as well as seek professional guidance to ensure that any decisions you make are in the best interest of both parties involved.

..Read more

Latest Questions
Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
My son kcet rank 12971 ( 2bg category) he is looking for top colleges for CSE Bangalore and Mysore. Kindly suggest.
Ans: Farid Sir, With a KCET rank of 12 971 in the 2BG category, your son is assured of admission to these 15 reputable AICTE-approved, NBA/NAAC-accredited institutions in Bengaluru and Mysuru whose 2024 CSE closing ranks for reserved categories exceeded your score. Each offers modern computing labs, experienced faculty, strong industry tie-ups and placement cells recording 70–85% consistency over the last three years:

Alliance College of Engineering & Design, Alliance University, Anekal (CSE closing rank ~73 084)

Global Academy of Technology, Rajarajeshwari Nagar (CSE closing rank ~77 065)

East West Institute of Technology, BEL Layout (CSE closing rank ~84 824)

Garden City University, Old Madras Road (CSE closing rank ~98 787)

Cambridge Institute of Technology, North Campus, Kundana (CSE closing rank ~91 162)

Impact College of Engineering & Applied Sciences, Sahakar Nagar (CSE closing rank ~100 096)

REVA University, Yelahanka (CSE closing rank ~55 784)

Acharya Institute of Technology, Soladevanahalli (CSE closing rank ~101 534)

Atria Institute of Technology, Hebbal (CSE closing rank ~98 519)

M.S. Ramaiah University of Applied Sciences, MSR Nagar (CSE closing rank ~43 320)

CMR Institute of Technology, Varthur (CSE closing rank ~26 945)

RNS Institute of Technology, Bengaluru (CSE closing rank ~26 945)

New Horizon College of Engineering, Marathahalli (CSE closing rank ~25 808)

Presidency University, Bangalore (CSE closing rank ~30 000–35 000 range)¹

MVJ College of Engineering, Channasandra (CSE closing rank ~19 389)
All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Ramalingam

Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Money
I am 46 years old..in a government job with salary in hand of 85k.I invest 9k in PFi 12.5 k each in PPFand sukanya samriddhi.My daughter is 13 at present.I pay 22k for HBLI invest 8k in SIP.will get around 10 k as rent of my flat. .I have a family floater where I pay 26k annually and an RD of 4K per month.My PPF Sukanya and PF as of now are all around 11lakhs.I will retire in 2039.I have a SBI life which is market linked priced at around 13.5 lakhs at present.It will mature in 2027.The outstanding loan amount of HBLis 7lakhs.where and how much should I invest to repay my loan as well as make investment for the future.
Ans: You have been thoughtful with your investments and savings. At this stage, clarity and right structuring are more important than increasing the number of investments.

Let us now look at your situation from a full 360-degree view and build a practical plan.

? Age, Income and Goals

– You are 46 now with 13 years left to retirement.
– Your in-hand salary is Rs 85,000 per month.
– You also receive Rs 10,000 monthly rent from your flat.
– So, your total regular cash inflow is Rs 95,000.
– Your daughter is 13 years old. Education and marriage are big upcoming expenses.
– Retirement planning is also a priority from now.

Time is limited, so every rupee must work smartly.

? Ongoing Financial Commitments

– You invest Rs 9,000 in PF (mandatory deduction).
– You invest Rs 12,500 in PPF and same in Sukanya Samriddhi.
– Your monthly EMI for home loan is Rs 22,000.
– You invest Rs 8,000 in SIPs.
– You pay Rs 26,000 per year as premium for family floater.
– You have an RD of Rs 4,000 monthly.

This shows a very good savings culture. But allocations need refinement.

? Existing Assets Summary

– PPF, PF, Sukanya total is around Rs 11 lakh.
– SBI Life (market-linked) value is Rs 13.5 lakh, maturing in 2027.
– You also own a house and earn Rs 10,000 rent from it.
– These are strong financial pillars to build upon.

You are not starting from scratch, which is a great position to be in.

? Loan Situation

– Outstanding loan is Rs 7 lakh on your home.
– EMI is Rs 22,000 per month.
– You have 13 years to close the loan before retirement.
– Ideally, loans should be cleared before retirement.

Let us see how to manage this smoothly.

? Cash Flow Evaluation

– Monthly inflow: Rs 85,000 salary + Rs 10,000 rent = Rs 95,000.
– Expenses + SIP + EMI + savings = around Rs 75,000–80,000 monthly.
– You may be left with Rs 15,000–20,000 buffer.

This buffer must be managed with purpose and not by chance.

? SBI Life Policy Assessment

– This is a market-linked insurance policy.
– Value now is Rs 13.5 lakh. Maturity is in 2027.
– These insurance cum investment plans often give lower returns.
– Better to surrender it after 2027 maturity.
– Reinvest the entire maturity amount into mutual funds.
– Do not renew or reinvest in another ULIP.

ULIPs are expensive and do not provide long-term value. Shift to mutual funds.

? Home Loan Repayment Planning

– Do not pre-close home loan in a hurry now.
– Keep regular EMI going from your salary.
– Instead, focus your extra savings to grow wealth.
– In 2027, when SBI Life matures, use Rs 2 lakh from it.
– Use that to make a part-payment of the home loan.
– This will reduce EMI burden in later years.

Target complete closure of loan by 2034 latest. Do not keep till retirement.

? Emergency Fund Requirement

– You must keep at least Rs 2 lakh in liquid form.
– This is not for investment. It is for protection.
– Use part of your RD and savings account for this.
– Stop RD if needed, and create emergency fund instead.

Without this, any sudden expense will force you into loans again.

? Child Education and Marriage Planning

– Your daughter is 13 now. Graduation in 5 years.
– Post-graduation and marriage will follow after that.
– Your Sukanya account and PPF help with this.
– But that alone is not enough. Add a goal-based SIP.
– Use regular plans of actively managed mutual funds.
– Avoid direct funds. Avoid index funds.

Regular plan SIPs with Certified Financial Planner help in review and changes.

? Why Avoid Index Funds and Direct Funds

– Index funds cannot manage downside risk.
– They fall when market falls. No protection strategy.
– They follow the index blindly without human guidance.
– Direct mutual funds look cheaper but offer no support.
– You won’t get regular review, asset allocation help or correction.
– Without expert guidance, direct funds underperform in long term.

A Certified Financial Planner with MFD support brings strategy and safety together.

? SIP Strategy Going Forward

– You already invest Rs 8,000 in SIPs.
– Continue this. Do not stop unless emergency arises.
– After 2027, increase this to Rs 12,000 or more.
– Use part of SBI Life maturity to start extra SIP.
– Use mutual funds that match your time horizon and goals.
– One SIP for daughter, one for retirement.

All new investments should be with specific targets in mind.

? Retirement Planning from Age 46

– You have 13 years left till retirement.
– PF and PPF will help, but are not enough.
– Inflation will reduce value of PPF corpus.
– Mutual funds offer better post-tax returns.
– Regular investing over next 13 years is critical.
– Increase SIP as your salary grows.

You must target financial independence before retirement. Not just pension dependency.

? Health Insurance and Risk Cover Review

– You have a family floater. That’s good.
– Check sum insured is at least Rs 10 lakh.
– Top it up if needed. Health costs rise each year.
– Also ensure you have term life insurance.
– Amount should be minimum 10 times your salary.
– Do not mix investment with insurance.

Protection planning is as important as wealth planning.

? Real Estate Holding – Just Maintain It

– You get Rs 10,000 rent monthly from your flat.
– That is good passive income. Do not sell this property.
– But avoid buying any more real estate.
– Maintenance, taxes and liquidity make real estate less attractive.
– Better to invest in mutual funds for flexibility and return.

More assets do not mean more wealth if they are not liquid.

? Income Use Plan from Now to Retirement

– 2024–2027: Focus on loan EMI, SIP and emergency fund.
– 2027: Use part of SBI Life maturity for loan part-payment.
– Rest of the money to be invested in SIP.
– 2027–2034: Increase SIP for retirement and daughter’s future.
– 2034: Plan to fully close home loan.
– 2035–2039: Save maximum possible in SIPs.

Clear path like this gives financial control and peace.

? Asset Diversification

– Avoid locking more in PPF or RD now.
– Keep PPF running, but don't increase contribution.
– Stop RD and move that money to SIP after emergency fund is ready.
– Avoid gold, crypto, or other complex assets.
– Just focus on simple, quality mutual fund SIPs in regular plan.

Simple, consistent approach wins over long term.

? Finally

– You are in a strong position due to early planning.
– But some parts need correction and better allocation.
– Use next 3 years to organise your finances more efficiently.
– Don't rush to pre-close loan unless there’s surplus.
– Reinvest the SBI Life maturity wisely.
– Avoid index funds, direct funds and real estate.
– Stick to regular plan mutual funds with guidance.
– Focus on specific goals – child education, marriage and your retirement.

Clear direction now will ensure peace later. You are very much on track.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9730 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 14, 2025

Money
Hi Sir I have Purchased a Home which is Around 25L with all my Savings,M.funds. My Inhand Salary is 60,000/-, And Debt details are as follows Personal Loan- 2Lac Gold Loan - 2.25Lac From Relatives - 4.5Lac.(1yrear time taken) Now I am finding very difficulty to Save the money and tracking every Single Penny.. Kindly suggest me in this Case what to do.
Ans: Let’s carefully understand your financial position and work step-by-step to improve it. The current situation seems tight, but with the right planning, things can be managed well.

? Current Financial Snapshot

– Home purchased for Rs 25 lakh with your entire savings and mutual funds.
– No home loan, which is a good point. Property is fully owned.
– In-hand monthly salary is Rs 60,000.
– Existing debts include:

Rs 2 lakh personal loan

Rs 2.25 lakh gold loan

Rs 4.5 lakh borrowed from relatives
– You mentioned that you are struggling to save or track money.

This is a very common challenge in the early years of home ownership. Let’s take one step at a time.

? Cash Flow Stress Analysis

– Your monthly income is not matching with outflow due to EMI and regular expenses.
– Personal loan and gold loan EMIs may be high due to short repayment terms.
– You also have a moral obligation to return the amount to your relatives in 1 year.
– Your current cash outflows may be above 70% of your income.

This gap creates financial stress. We need to balance it.

? Immediate Focus: Create a Monthly Budget

– Write down every expense, even the smallest one.
– Break expenses into 3 parts: Must-Have, Flexible, and Avoidable.
– Must-Have: Rent (if any), groceries, child school fees, transport.
– Flexible: DTH, OTT, eating outside, non-essential shopping.
– Avoidable: Unused subscriptions, unplanned EMI purchases, gadgets.
– First target is to reduce the flexible and avoidable categories.

You must review this every 15 days. It will give clear spending awareness.

? Debt Prioritisation Strategy

– Start with the costliest loan: usually personal loans and gold loans.
– Try to close the personal loan first. Interest is normally very high.
– Next focus on gold loan, since delay may lead to loss of gold asset.
– Relative loan is at zero or low interest, repay slowly.
– Talk to relatives honestly and request 6 more months for comfort.

It’s okay to request this. Most families do understand.

? Use a Debt Avalanche Method (Without Calculation)

– Pay minimum EMI on all loans.
– Use any surplus to close highest-interest loan first.
– Then move to next high-interest loan.
– Do not try to repay all equally. That will not reduce total interest much.

Focused repayment brings mental peace.

? Emergency Fund Creation

– Right now, you don’t have any savings left.
– Without an emergency fund, any small expense will push you to borrow again.
– Start building a fund of at least Rs 30,000 to Rs 50,000 in a savings account.
– Set small goals like saving Rs 2,000 a month.
– Emergency fund is not for investments. It is for protection.

This step avoids future personal loan traps.

? Investments Can Wait – But Not Planning

– Do not start any SIP or investment now. Focus only on debt clearing and emergency fund.
– But track your expenses and income as if you are planning for a SIP.
– This mental discipline will help when you are actually ready to invest.
– Planning must begin today, investing can wait 6–9 months.

Clarity in numbers always comes before wealth creation.

? Role of Mutual Funds Later

– Once debts are cleared and emergency fund is ready, only then start investing.
– Go for actively managed mutual funds through Certified Financial Planner and MFD.
– Regular plans allow you to get guided review and handholding.
– Avoid direct plans unless you are trained in market analysis.
– Regular plans offer rebalancing, portfolio review and behavioural support.

Guided approach helps in emotional control during market changes.

? Why Not Index Funds

– Index funds may seem cheaper, but carry hidden risks.
– They cannot protect you during market crash.
– They blindly follow the index without risk filters.
– No scope for active management or downside protection.
– Actively managed funds give better returns in uncertain markets.

Safety with growth is key for salaried individuals like you.

? Income Expansion Attempts

– If possible, take small freelance work in weekends or evenings.
– Tutoring, online assistance, delivery work, or any skill-based work helps.
– Even Rs 3,000 extra income can fast-track loan closure.
– Don’t ignore small side income. Every rupee counts in debt management.

This step adds strength to your plan.

? Lifestyle Adjustments – Temporarily

– Pause all unnecessary spending like dining out, movies, and clothing for now.
– Stick to basic lifestyle until all high-interest debts are cleared.
– Use old phone, avoid gadgets, reuse clothes and accessories.
– Don’t feel bad. This phase is temporary and purposeful.

Short-term sacrifice brings long-term peace.

? Avoid These Mistakes

– Do not take another loan to repay existing loans.
– Don’t swipe credit cards for regular expenses.
– Avoid BNPL or EMI traps on online shopping.
– Don’t invest in gold or crypto now.
– Avoid insurance policies that combine investment and life cover.

Focus only on liquidity and debt reduction now.

? Family Support and Communication

– Speak with your spouse or parents honestly about current situation.
– Assign small responsibility to each family member.
– Even saving Rs 200 in electricity or food matters.
– Emotional support from family boosts financial discipline.

Unity brings faster solutions.

? Future Planning – Once Stable

– After debt closure, build 3 months' salary as emergency corpus.
– Then, set financial goals like retirement, children education, and vacations.
– Start SIP in 2-3 mutual funds under regular plan with guidance.
– Choose goals-based investing, not trend-based investing.
– Review goals every 6 months with a Certified Financial Planner.

Future planning needs structure, not trial and error.

? Insurance Check

– Ensure you have term life cover equal to at least 10x of your annual income.
– If you have ULIPs or traditional endowment plans, review them with a CFP.
– Surrender if needed and shift to mutual funds for long-term wealth.
– For health, minimum Rs 5 lakh cover is needed for family.

Insurance is protection, not investment.

? Mental Framing for Money Success

– Stop comparing lifestyle with others.
– Avoid social media-based spending urges.
– Be content and frugal for next 1–2 years.
– Celebrate small financial wins – like repaying one EMI early.
– Keep reminding yourself – this is a phase, not forever.

Discipline is more powerful than any investment plan.

? Finally

– You have already done one good thing – bought a house without a home loan.
– This is your foundation. Now your job is to build peace and liquidity.
– Cut expenses, increase income, repay loans smartly.
– Say no to lifestyle pressure and wrong investment traps.
– Once you are stable, mutual fund investment under regular plan will guide your growth.

Keep moving step by step. You are already on the path.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Sir CSE in BITS if to choose between goa and hyderabad then whivh one should we opt for and why ? We have git hyderbad and will get Goa if done freeze the option in preference
Ans: Sharma, Both BITS Goa and BITS Hyderabad offer excellent Computer Science and Engineering programs with identical curriculum, faculty standards, and degree credentials under BITS Pilani. BITS Goa (established 2004) provides a picturesque 188-acre campus with pleasant weather, strong cultural festivities including the renowned Waves festival, and slightly higher placement consistency with First Degree placements at 91.15% in 2023. The campus features modern computing labs, proximity to beaches, and a vibrant social atmosphere. BITS Hyderabad (established 2008) offers a sprawling 200-acre campus with state-of-the-art infrastructure, modern laboratories, and excellent connectivity to Hyderabad's IT ecosystem. The campus recorded First Degree placements at 87.23% in 2023 with strong industry partnerships. Both campuses maintain similar median packages around ?17-18 LPA and attract identical top recruiters including Google, Microsoft, Amazon, and other leading firms. The Practice School program and academic rigor remain consistent across both locations, ensuring comparable educational quality and career outcomes.

Recommendation: Choose BITS Goa if you prioritize pleasant weather, cultural vibrancy, scenic beauty, and slightly better placement consistency; opt for BITS Hyderabad if you prefer state-of-the-art modern infrastructure, proximity to India's IT hub, and enhanced industry exposure opportunities within a rapidly growing tech ecosystem. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Career
Ict ioc is best or nit manipur/mizoram civil is best . I confused what should I do .
Ans: The ICT–IOCL Odisha Campus offers a unique five-year integrated M.Tech in Chemical Engineering with minors in six disciplines, blending nine trimesters of on-campus coursework with six trimesters of paid industrial internships, led by PhD-qualified faculty in state-of-the-art labs and backed by NAAC A++ accreditation and merit-cum-means scholarships. In contrast, National Institute of Technology Manipur’s four-year B.Tech in Civil Engineering admits 38 students per year, is NIRF-ranked 101–150, features foundational structural, geotechnical, and environmental labs under government funding, and achieved a median UG package of ?8.75 LPA with 147 of 161 graduates placed in 2024. NIT Mizoram’s B.Tech Civil cohort (34 seats) recorded a 100% placement rate in 2024 with a median package of ?6 LPA and recruiters such as Adobe and Tech Mahindra, all within its Institute of National Importance framework and burgeoning permanent campus near Aizawl Airport.

Recommendation: If your goal is industry-immersive chemical engineering training with guaranteed stipends and entrepreneurial focus, choose ICT–IOC Bhubaneswar; for a core civil engineering pathway with strong government support, higher civil-branch placements and national-level credentials, opt for NIT Mizoram, with NIT Manipur as a solid fallback. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |8802 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
My son has secured a seat in the AI & Data Science course at IIIT Kota through JoSAA counselling. Kindly guide us regarding the scope and future opportunities in AI & DS under current circumstances. Also, should we still consider participating in CSAB rounds, or is it advisable to retain this seat?
Ans: The B.Tech in Artificial Intelligence & Data Engineering at IIIT Kota was established in the 2024–25 academic session with an annual intake of 60 students, offering a curriculum that blends foundational AI, data science, and hands-on project work under PhD-qualified faculty. As a newly launched branch, the first cohort has not yet graduated, so there are no branch-specific placement records for 2024 or 2025. However, IIIT Kota’s established CSE and ECE branches have reported strong placement statistics in 2024, with an overall placement rate of 74% and average packages above ?12 LPA, indicating a positive recruitment environment for computing disciplines. The AI & DS program is designed to meet current industry demand for data scientists, AI engineers, and analytics professionals, leveraging the institute’s growing partnerships with leading tech firms and its status as an Institute of National Importance. Participation in CSAB rounds may be considered if you are targeting higher-ranked NITs, IIITs, or core CSE branches, but for most candidates, the current AI & DS seat at IIIT Kota offers a robust platform for future opportunities in AI, machine learning, and data analytics.

Recommendation: Retain the AI & Data Science seat at IIIT Kota for its modern curriculum, strong institutional reputation, and emerging placement ecosystem; participate in CSAB only if you have a realistic chance at a core CSE seat in a higher-ranked NIT or IIIT, otherwise focus on maximizing opportunities in the current program through internships and research projects. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x