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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 04, 2022

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
A Question by A on Jul 04, 2022Hindi
Relationship

Hi Anu, Nice to contact you.
I came across many of your conversations online and I would like to share my life situation. If you could help in any way it would be a great support.
I am married since 4 and half years now but we have stayed together only for 1 and half years. Rest of it was purely long-distance relationship.
It was an arranged marriage and I entered it with great hope and dreams. I still believe I have had only bare minimum expectations from my partner as that of any young woman.
After the marriage got fixed I had to leave my job and stay at my hometown. He works in a distant state. We were all hoping that after marriage, I’d go and live with him so will search for a job later. Even during prewedding discussions the talk was that he will shift to a new home before marriage and after marriage he will take me along with him.
But two weeks after our wedding he left to work leaving me at his home with his parents in our hometown. He didn’t explain or give any reasons. It broke me. Those 2 weeks were wonderful and the best time of our marriage life.
He came after 2 months, rented a new house and took me with him. It was good although small and silly arguments would happen. He loved me and I stayed there for a month. We returned to hometown after a month. He left me there and returned to work in 1 week’s time.
I stayed with his parents (in between his mother met with an accident and I stayed with her for like 2 months). He took me back to his place for 3 months. When financial circumstances got bad, he changed. He stopped expressing love in any form other than getting me variety of food items. There was no romance, small talks or travelling outside. He sent me back to my parents’ place for 7 months. It made me really mad and we started to fight over the phone making us more distant.
He was facing financial crisis, I wanted to be supportive but he never shared his feelings or plans with me. I never felt involved. Without a job I went into depression. To sort things, I stayed with him for 9 months looking for a job. He never showed any interest. I stayed at home for all those months feeling depressive and insecure. There was no romance, emotional or physical.
He is perfect in his words and promises but never in his actions.
I believed and waited for 3 years. Then my in laws suggested a job but it was at my native place. As it suited my educational qualifications I showed interest and he said okay. I applied and got the job. Since then I have not visited him at his work place. It’s been 2 years now and I stay with his parents. Due to covid he didn’t come for home for a 1 and half. A few months ago he came and stayed for a week.
When people see us it’s 4 and 1/2 years of marriage but for us it’s not. Since we don’t have kids people are suspecting a lot. I don’t blame them.
Clearly not everything is alright.
My husband is a lovely person and he cares so much but I feel he is controlling me. May be because of his lack of emotional availability. But many things have bothered me a lot since our wedding.
My husband and I have never visited or travelled a place alone, ever. We never had a honeymoon.
My husband has never introduced me to any of his friends.
I know nothing of him through a third person, all I know is what he has told me.
These days he hardly calls me. I tend to get more frustrated and cry sometimes by sharing my feelings with him if he called very late at night. So he stopped calling me. When I asked he replied “when I call at night you are complaining, fighting and crying so I don’t call”
He is running away from situations. I replied to him “you know that I will cry and there is a reason for that. Instead to solving the situation and not to make me cry, you would rather prefer not to call”. He said “Yes”. So he refrains from anything that upsets him. Long time ago due to some misunderstandings I refused to be physically romantic with him and he did the same to me for months and years which is also why we don’t have kids. But I cant explain or share this with anyone.
I doubt about my future as I am scared that I will never be blessed with a life with shared love and romance.
I miss myself being in love and happy.
I miss my own very smile.
I don’t put all the blame on him because I know am not perfect. But am not that evil to be punished like this in my life. I do deserve some happiness.
He hasn’t abused me but absence of abuse doesn’t mean a healthy relationship. I have always felt lonely.
Rather than love I have felt more judged for my actions and thoughts.
There is not a single day in life where I do not think about leaving this relationship but it has become very difficult to picture a happy healthy future with him.
It has become hard to have a simple conversation with him now.
I hope for a healthy relationship in which my partner and I could be vulnerable to one and other.
Am I expecting too much from him? Is it that am not good enough for him?
Will this too pass? I am worried.
I would like to stay anonymous.

Ans:

Dear Anonymous,

These are your words that stood out for me.

‘I miss myself being in love and happy.

'I miss my own very smile.'

So, who is stopping you from these? Be in love, be happy, smile when you want.

You have tied these things to your marriage and have hoped that putting things together will bring a smile back on your face. As much as it’s true, it won’t be long lasting.

Now let’s focus on your marriage. What is this ‘being sent here, sent back there’?

What are you, some parcel/courier package to be sent here and there at will?

The first time that you felt that this being sent here and there was NOT OKAY, that would have been the time to voice it out.

Situations of a husband and wife being physically apart can come in anytime during a marriage. But this has to be handled with a lot of love and communication and not keeping silent and controlling it his way.

What has caused your hurt is the fact of non-communication from him, inability to validate your feelings, making you feel guilty for expressing your feelings and his unwillingness to work on this?

Request a person known to both of you to mediate to set up a meeting if both of you want to be in this marriage and live in peace and harmony. If you don’t step up now, things will be emotionally draining.

Also, as a woman, you don’t have to feel guilty for saying that something is not alright and that you want things to be different. You do not have to mask it with a statement that ‘he is a good man’ etc.

Be honest to yourself about what you feel and what you want. It helps putting things into perspective faster. STEP UP NOW and SPEAK.

Do that favour onto yourself please and also expect things to go the other way especially if he does not want to mutually set things right.

No matter what, know that strength from within is what will help you sort things for the better.

Be strong and value yourself. All the best!

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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 06, 2024

Asked by Anonymous - Jun 30, 2024Hindi
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Relationship
Hi Anu. I am 32 years old. I got married to a guy through matrimonial app. He was very good before married. He used to shower me with love and respect and gifts. I loved him dearly. We got married 3 years back and I went to his house with lot of dreams in my life. But the moment I got married, I could see a lot of change in him. He no longer gave me much of his time. He was very attached to his mother and sister. He gave them money to run his house and not to me at all. I did not mind him getting things for his mother and sister but just not buying anything for me used to make me feel left out. He used to say that to me that you are a working woman. So can take care of your needs. Anu, I could take care of my needs financially....but I too needed his care and love. He went to a different city for work and refused to take me till I contribute 50% in the house. It came as a shock to me. Where was the love that he once showed me before marriage? For everything he wanted contribution from me. Slowly slowly we drifted apart. I found the marriage to be like going 50 -50 for everything. And this year we divorced each other. I was heart broken. I still remember the good days we spent together before marriage. It hurts me a lot when I remember how he changed after marriage. Now my parents want me to look after someone to get married. But somehow, I have lost trust in men. What should I do?
Ans: Dear Anonymous,
It has not been an easy time for you.
But do remember that every challenging time only makes a person stronger. This is not a pep talk but a fact. Now, you are equipped with knowledge on what you seek in a relationship and what is absolutely not okay in a partner.
Now, I don't say that everyone needs to go through all this to learn BUT you have been in it, so better to look at the brighter side.
So, why would it scare you?
All men are not the way you ex was...He came in as a showpiece with all the glitter and then showed his true damaged traits. We don't need to go over that as that chapter is closed.
It's a fact that you must heal from that first before you get into another relationship as the baggage from it will weigh you down. And every small argument in a new relationship will seem like the end of the world. Also, you will be on the edge to make it work at all costs.
So, first heal from it all...through that, you must also be willing to drive a new thought into you which is: Not all men come in the tones which my ex had. They can be be different and I am willing to give my new life a chance.
This will be a useful path to embark on. If this seems daunting, then do visit an expert who can help you heal and guide you into a new phase of life. But let that new phase be something that you decide for yourself whenever you feel ready. Till then explore the world, expand your social circle and gain your lost self back first. Things will fall in place...one step at a time!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

..Read more

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Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Asked by Anonymous - Nov 14, 2024Hindi
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Hello finance guru, I am 45 years old , with 2 kids. I live in a Tier-1 city with ~49 Crores of networth. This includes ~12 crores of investment in real estate (land and a flat at a prime location), ~34 crores in equity, ~1 Cr in Crypto and ~2 Cr in cash. I work in a pharmaceutical firm in an executive role and planning to retire in the next 1 year. My knowledge on finances is average and would like to seek your advise. I would like to generate ~2.5 lakhs per month for expenses from my savings and would like to double my networth in the next 7 years. Could you provide me help on the directions I can take to make this working?
Ans: Hello;

Deducting the real estate and crypto investments from your networth, we have 36 Cr.

You may invest 4 Cr each in 2 equity savings type mutual funds and 2 conservative hybrid debt oriented mutual funds.

If you do a 3% SWP from each of these funds you may expect a monthly payout of around 2.8 L (post-tax).

These funds generally yield 8-9% returns so they will continue to provide inflation adjusted income to you.(6% inflation rate considered)

Balance remains around 20 Cr, while 2 Cr may be retained as liquid fund for contingency requirement, the balance 18 Cr you may invest in combination of mutual funds, PMSs and AIFs.

As you enter retirement phase your focus should shift from "maximising returns" to "decent returns with moderate risk" since return of capital is more important than return on capital.

Happy Investing;
X: @mars_invest

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

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Milind

Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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Dear Sir, I am 53 yrs. I want to retire @60 with a INR 2.00 Cr Corps. Currently I have following SIP Total SIP 30000/- PM Axis Bluechip Fund - Regular Plan - Growth HDFC Mid-Cap Opportunities Fund - Growth Plan Aditya Birla Sun Life Pure Value Fund - Growth Option Aditya Birla Sun Life Equity Advantage Fund - Regular Growth Sundaram Mid Cap Fund Regular Plan - Growth Bajaj Finserv Flexi Cap Fund -Regular Plan-Growth Franklin India Focused Equity Fund - Growth Plan Franklin India Smaller Companies Fund-Growth HDFC Top 100 Fund - Growth Option HDFC Multi Cap Fund - Growth Option I have MF Investment @ 26.00 Lakh Current Value is @ 52.00 Lakh. I have Savings of Rs. 10.00 Lakh, PPF Rs. 5.00 Lakh, Share investment Current Market Value around Rs. 20.00 Lakhs. I don't have any Loan. Insurance INR 1.50 Cr. up age of 70. Per month earning around Rs. 1.25 Lakh. I have a Investment in real estate which can give my INR 40.00 Lakh at current Market Price & Gold Investment of INR 20.00 Lakh which I think sufficient for my daughter Marriage. Current Monthly Expense INR 40-50 K. I am in a new tax regime, so discontinue my ELSS saving and PPF Saving. Suggest how i can increase my Corpus for retirement.
Ans: Hello;

You may top-up your monthly sip by 10% every year for 7 years. This will grow into a sum of around 0.51 Cr.

The MF corpus and direct equity holdings worth 0.72 Cr today will grow into a corpus of 1.59 Cr after 7 years.

Therefore you may achieve your intended corpus of 1.59+ 0.51=2.1 Cr, 7 years from now. A modest return of 12% is assumed from MF and direct equity holdings.

2-3 years before 60 you should start moving your gains from equity funds to liquid or ultra short duration debt funds to protect it against market volatility.

Also good health care insurance for yourself and your spouse.

RE property you may sell at a later date to boost your retirement income.

Happy Investing;
X: @mars_invest

...Read more

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Milind Vadjikar  |650 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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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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