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Can I move on from my past emotional scars after my divorce?

Kanchan

Kanchan Rai  |525 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 09, 2024

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 - May 29, 2024Hindi
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Relationship

Hi, I am 30, has one kid and getting divorced. My husband himself left our responsibilities but denying it in court to avoid paying alimoney. It is been 4 years since this seperation and still couldnot land a good job. Having financial troubles, emotionally disturbed and work stress. I somehow manage to pay my son's school fees. But there are 100s of other insecurities that surface time to time and I loose my patience. I have these insecurities due to emotional violence I faced in my marriage. Now I want to move on, I want to work on the emotional scars and live life peacefully. Is that even possible, then how?

Ans: I commend your courage in wanting to move forward and heal. The journey ahead might seem overwhelming, but with the right steps, it is possible to rebuild your life, find peace, and regain control over your emotions and future.

First, acknowledging the impact of the emotional violence you've endured is an important step. These scars run deep and can influence your thoughts, feelings, and actions long after the relationship ends. Healing from this requires time, patience, and often, professional support. Consider seeking therapy or counseling, if you haven’t already. A skilled therapist can help you process your emotions, understand the patterns of your past relationship, and equip you with strategies to manage the insecurities that surface.

Financial stability is another crucial area, and it’s understandable that the ongoing court battle adds to your stress. You might want to consult with a legal advisor who specializes in family law to ensure you're getting the support you and your child are entitled to. Some organizations offer free or low-cost legal services, which could be helpful in your situation. In parallel, continue your job search, but also consider upskilling or exploring different career paths that might open more opportunities. Even part-time work or freelance gigs can help bridge the gap financially while you look for something more stable.

As for the emotional toll and stress, self-care becomes essential. Try to carve out small moments for yourself each day, even if it's just a few minutes. Mindfulness practices, such as meditation, deep breathing, or journaling, can help you stay grounded and manage anxiety. Connecting with supportive friends or joining a support group for single parents or those going through divorce can also provide comfort and practical advice.

Building a routine that includes regular self-care, professional support, and steps toward financial independence will gradually help you regain your strength and confidence. It’s important to remember that healing is not linear—there will be setbacks, but each small step forward is progress.

Yes, it is absolutely possible to move on, heal from emotional scars, and live a peaceful life. It will require effort, resilience, and sometimes the willingness to ask for help. But with each step, you'll be closer to the life you envision for yourself and your child—a life where you feel empowered, secure, and at peace.

You may like to see similar questions and answers below

Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 24, 2023

Asked by Anonymous - Feb 23, 2023Hindi
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Relationship
I am 60 year old havig a family of a spouse and a son. since last two years our relation with spouse is not moving smoothly for everything there is an argument and no concensous in the matters of day tody life, son is also not lisoning properly I am under seveor stress which is leading to upset my health and I am facing epilepsy problen since last months I am unable to forget the things and move ahead. Thsere was no problem in leading a normal middle class life. I am facing in security and also I facinig negativities in my life and slowlely slipiing in depression I am trying too much to forget theses things but I am not in a position to lead a peacefull life inspite of adequate resources. Kindly advise me.
Ans: I'm sorry to hear that you're going through a difficult time with your spouse and son. It sounds like the arguments and lack of consensus are causing you a lot of stress and impacting your health. It's important to prioritize your health and seek support if needed.

It might be helpful to try and have an open and honest conversation with your spouse and son about how you're feeling and see if there's a way to work together to improve the situation. It could also be beneficial to seek professional support, such as therapy or counseling, to help you manage your stress and emotions.

Additionally, taking care of your physical health through regular exercise, a healthy diet, and enough rest can also help improve your overall well-being. It's important to remember that it's okay to ask for help and take steps towards finding peace and happiness in your life.

..Read more

Ramalingam

Ramalingam Kalirajan  |7838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 24, 2024

Asked by Anonymous - May 24, 2024Hindi
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Money
I am a 45 year old housewife. I have been married for 23-24 years and I have children who have grown up. I have had a lot of life experiences in my life. I was mentally abused, because of that i lost self confidence. As I am not financially independent so i can't take any wise decision for me . I feel like illiterate and i dont have any work experience. Now a i feel weak by mentally and physically. today I feel that it is very important to be financial independent. In this all situations i don't understand what to do become financially independent. Please suggest.
Ans: Path to Financial Independence for Housewives
Your situation is complex, but achievable goals exist. You can achieve financial independence with the right approach.

Acknowledging Your Strengths
Recognize your life experiences as strengths.

Your journey has equipped you with unique skills and resilience.

This foundation is crucial for building financial independence.

Your dedication to your family shows strong organizational and management skills.

These skills are valuable in many professional settings.

Assessing Your Current Situation
Evaluate your financial status.

List all income sources and expenses.

Understand your financial position clearly.

This will help identify areas for improvement.

Assess your skills and interests.

Identify what you enjoy and where you excel.

This can guide you towards suitable job opportunities.

Enhancing Your Education and Skills
Consider further education or skill development.

Many online courses are affordable and flexible.

They allow you to learn at your own pace.

Focus on skills that can lead to employment.

Computer skills, communication, and project management are in demand.

Exploring Employment Opportunities
Start by looking for part-time or freelance work.

This allows you to gain experience without overwhelming yourself.

Jobs like virtual assistant, content writing, or tutoring can be good starts.

These roles often require skills you already possess.

Starting a Home-Based Business
Consider starting a home-based business.

This can be an excellent way to use your skills.

For example, cooking, crafting, or tutoring can be monetized.

A home-based business offers flexibility and control over your time.

Building a Support Network
Seek support from friends, family, or online communities.

A strong support network can provide encouragement and advice.

Connecting with others in similar situations can be empowering.

Financial Planning and Management
Work with a Certified Financial Planner (CFP).

A CFP can help you create a financial plan tailored to your needs.

They will guide you in budgeting, saving, and investing wisely.

Regular funds investing through a Mutual Fund Distributor (MFD) with CFP credential is beneficial.

They provide professional management and expertise.

Creating a Budget
Develop a budget to track your income and expenses.

This helps in identifying areas where you can save money.

A budget is a vital tool for managing your finances.

Saving and Investing
Start saving a portion of your income.

Even small amounts can grow over time.

Consider investing in actively managed funds.

These funds have professional managers who strive to outperform the market.

Avoiding Debt
Be cautious about taking on new debt.

Focus on paying off existing debts.

This will improve your financial stability.

Health and Well-being
Take care of your physical and mental health.

Exercise regularly and maintain a balanced diet.

Seek professional help if you struggle with mental health issues.

A healthy body and mind are crucial for achieving financial independence.

Continuous Learning
Stay updated with the latest trends in your field of interest.

Continuous learning will enhance your skills and employability.

Setting Realistic Goals
Set short-term and long-term financial goals.

These goals will give you direction and motivation.

Review and adjust your goals regularly.

Conclusion
You have the strength and resilience to achieve financial independence.

Take small steps towards your goals every day.

Seek support and guidance when needed.

Your journey is unique, and every step forward is a success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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Hello Sir, this is Dhiraj DM, I am 48 year's old married with no kids, we have any flat worth 1. 5 cr given on rent around 50 lakhs of equity 20 lacs mutual funds we want to retire in next 3 years,please guide. We live in a metro no liability, we r into Gifting business now want to retire in next 3 years
Ans: Your retirement is just three years away. You have built a strong foundation with real estate, equity, and mutual funds. Now, the goal is to structure your investments for steady income, security, and long-term sustainability.

1. Assessing Your Current Financial Position
Flat Worth Rs. 1.5 Crore: This generates rental income, but liquidity is limited.
Equity Portfolio of Rs. 50 Lakh: Market-linked investments with potential for high returns but volatile.
Mutual Funds of Rs. 20 Lakh: Offers diversification and moderate risk exposure.
No Liabilities: This is a strong advantage for financial freedom.
Gifting Business: If planning to exit, ensure business-related finances are sorted before retirement.
2. Estimating Post-Retirement Income Needs
Calculate expected monthly expenses, including medical, travel, lifestyle, and emergency costs.
Factor in inflation, as expenses will rise over time.
Consider long-term costs such as medical care and home maintenance.
3. Structuring Retirement Income
Rental Income as a Fixed Source
Your flat generates rental income, which helps with stability.
Consider reinvesting this income for further growth.
Portfolio Rebalancing for Stability
Equity exposure is beneficial but risky close to retirement.
Shift some funds to low-risk instruments for safety.
Keep some allocation to equity to combat inflation.
Maintaining Liquidity for Emergencies
Create an emergency fund of at least 2 years' expenses in liquid assets.
Avoid relying solely on investments that require selling in volatile markets.
4. Health and Insurance Planning
Ensure comprehensive health insurance for both of you, at least Rs. 15-20 lakh coverage.
If you hold any old insurance policies with low returns, consider restructuring them.
Create a separate healthcare fund for long-term medical expenses.
5. Tax Efficiency in Retirement
Structure withdrawals smartly to reduce tax burden on capital gains.
Use tax-free instruments where applicable.
Rental income is taxable, so deduct maintenance expenses to lower tax outgo.
6. Planning Investments for Retirement Income
Avoid complete reliance on fixed-income instruments, as they may not beat inflation.
A mix of mutual funds, debt instruments, and systematic withdrawal plans (SWP) will ensure steady cash flow.
Keep some investments growth-oriented to sustain wealth over decades.
7. Estate and Legacy Planning
Prepare a clear will to ensure smooth asset transfer.
If you plan to donate or support causes, structure funds accordingly.
Finally
Ensure liquidity and stability in your investments.
Reduce risk in equity but keep exposure for growth.
Maintain a dedicated healthcare fund and strong insurance coverage.
Structure investments to minimise taxes and ensure steady income.
Plan legacy and succession to avoid future complications.
Would you like a detailed plan on how to allocate your investments for steady retirement income?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

...Read more

Pushpa

Pushpa R  |49 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Feb 05, 2025

Asked by Anonymous - Feb 04, 2025Hindi
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Health
My sister is recently diagnosed with second stage of breast cancer. She is always emotional and moody. Can I introduce her to yoga or meditation? Can yoga help her cope with the fear and uncertainty?
Ans: I'm very sorry to hear about your sister’s diagnosis. This is a challenging time, and emotional support is just as important as medical treatment. Yes, yoga and meditation can help her cope with fear, stress, and uncertainty by bringing mental peace, emotional strength, and relaxation.

How Yoga Can Help:
Reduces Anxiety & Fear: Gentle yoga and deep breathing activate the parasympathetic nervous system, which helps in relaxation and emotional balance.
Improves Sleep: Many cancer patients struggle with sleep. Yoga Nidra and slow breathing exercises can promote restful sleep.
Boosts Positivity: Meditation and mindfulness help shift focus from fear to inner peace.
Strengthens the Body: Light yoga can help reduce fatigue and improve overall well-being during treatment.
Recommended Practices for Your Sister:
Breathing (Pranayama): Anulom Vilom (Alternate Nostril Breathing) and Bhramari (Humming Bee Breath) calm the mind.
Gentle Yoga Poses: Child’s Pose, Butterfly Pose, and Legs-Up-The-Wall Pose promote relaxation.
Meditation & Yoga Nidra: Guided meditation can help ease emotional distress and bring hope.
Encourage her to consult a yoga coach for personalized support. With the right guidance, yoga can become a healing companion in her journey.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

...Read more

Pushpa

Pushpa R  |49 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Feb 05, 2025

Asked by Anonymous - Feb 04, 2025Hindi
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Health
Mam, can yoga help prevent cancer in women? Please advice
Ans: Yoga cannot guarantee the prevention of cancer, but it can play a supportive role in maintaining overall health, reducing risk factors, and improving well-being. Many studies suggest that regular yoga practice helps reduce stress, improve immunity, balance hormones, and promote detoxification—all of which may lower the risk of cancer in women.

How Yoga Can Help:
Reduces Stress: Chronic stress weakens the immune system and increases inflammation, which can contribute to disease. Practicing meditation, breathing exercises, and relaxation techniques keeps the body in balance.
Boosts Immunity: Gentle yoga poses improve blood circulation and support the lymphatic system, which helps remove toxins from the body.
Balances Hormones: Hormonal imbalances may increase the risk of conditions like breast and ovarian cancer. Regular yoga helps maintain a healthy endocrine system.
Supports Detoxification: Twisting poses and deep breathing help the body eliminate waste and toxins.
Recommended Practices:
Pranayama (Breathwork): Anulom Vilom and Bhramari help calm the nervous system.
Yoga Poses: Cobra Pose, Twists, and Forward Bends improve digestion and circulation.
Meditation & Relaxation: Yoga Nidra and mindfulness reduce stress and promote healing.
For personalized guidance, consult a yoga coach who can create a practice suited to your health needs.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

...Read more

Ramalingam

Ramalingam Kalirajan  |7838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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Get me some clearity on HDFC BALANCED ADVANTAGE FUND as from last few days my portfolio is going in negative
Ans: Understanding Balanced Advantage Funds

Balanced Advantage Funds invest in both equity and debt. They adjust their investments based on market conditions. This flexibility helps manage risk and aim for steady returns.

Recent Performance Insights

It's natural to feel concerned when your portfolio shows negative returns. Remember, short-term declines are common in investments. Balanced Advantage Funds aim to reduce risk by adjusting their investments. This strategy helps manage market ups and downs.

Factors Influencing Performance

Several elements can affect your fund's performance:

Market Volatility: Changes in the market can impact returns.

Asset Allocation: The mix of equity and debt plays a role.

Interest Rate Changes: Fluctuations can influence debt investments.

Economic Indicators: Factors like inflation and GDP growth are important.

Evaluating Fund Performance

To assess your fund's performance:

Compare with Benchmarks: See how it measures up against standard indices.

Review Historical Returns: Look at past performance over different periods.

Consider Risk-Adjusted Returns: Evaluate returns in relation to the risk taken.

Staying the Course

It's commendable to stay focused on your long-term goals. Short-term market changes shouldn't deter your investment strategy. Maintaining discipline is key to achieving financial objectives.

Consulting a Certified Financial Planner

For personalized advice, consider consulting a Certified Financial Planner. They can provide guidance tailored to your financial situation.

Final Thoughts

Market fluctuations are a part of investing. Balanced Advantage Funds are designed to manage these ups and downs. Staying informed and patient can help you reach your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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Money
Hello, my mother is 62 year old pensioner. She has invested funds in government securities and postal schemes. Despite submitting 15H form and filing ITR (as a senior citizen person), her tax is getting deducted. Can you kindly explain why this is happening?
Ans: There are a few possible reasons why TDS (Tax Deducted at Source) is being deducted from your mother's investments, despite submitting Form 15H and filing ITR.

1. Incorrect or Late Submission of Form 15H
Form 15H must be submitted at the start of the financial year to all institutions where she has investments.
If submitted after TDS is deducted, it won’t apply retrospectively to recover the deducted tax.
Ensure the form is submitted separately to each bank, post office, or financial institution.
2. Exceeding the Basic Exemption Limit
For senior citizens (60+ years), income up to Rs. 3 lakhs is tax-free.
If her total taxable income (pension + interest from investments) exceeds Rs. 3 lakhs, TDS will still apply.
Even if TDS is deducted, she can claim a refund while filing her ITR if her total tax liability is zero.
3. Form 15H Validity Rules
Form 15H is only valid if total taxable income is below the exemption limit.
If her total income is more than Rs. 3 lakhs, banks and post offices will ignore Form 15H and deduct TDS.
4. Different TDS Thresholds for Investments
Banks deduct TDS on FD interest if it exceeds Rs. 50,000 per year for senior citizens.
Post Office schemes (like SCSS) deduct TDS if interest crosses Rs. 50,000 per year.
Government securities may also have TDS rules based on the issuing authority.
5. PAN Not Updated with the Bank/Post Office
If PAN is not linked to the investment accounts, higher TDS at 20% is deducted.
Ensure all investments have PAN updated to avoid excess TDS.
6. Errors in Tax Deduction System
Sometimes, banks deduct TDS even if Form 15H is submitted correctly.
In such cases, she can file an ITR and claim a refund from the Income Tax Department.
What to Do Now?
Check total taxable income to confirm if she qualifies for Form 15H.
Verify all Form 15H submissions with banks and post offices.
Ensure PAN is updated in all financial institutions.
If TDS is wrongly deducted, file an ITR and claim a refund.
Would you like help with checking if she is eligible for a refund?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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.

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