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Anu

Anu Krishna  |1540 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 16, 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
AB Question by AB on May 16, 2022Hindi
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Relationship

Hi Anu, I recently came across your self-help series on rediff com and couldn't resist myself from writing to you.
I am a 25 year old woman living with her parents and a younger brother.
I somehow managed the lockdown in 2020 but since last year, my life has been way more challenging.
Things have been really tough since April last year. My mother started her dialysis. Before that, she got hospitalised twice within a month. However she is back home. But due to her dialysis session, her legs ache making her difficult to walk. Her hands have stopped moving due to hypertension so I am taking care of her.
My father retired last year. So he's stressed about many things. He is over inspecting my every little action and criticising me for no apparent reason.
I haven't got a suitable job despite working in an educational consultancy (They haven't even given my first salary). My boyfriend is encouraging me to work hard for my upcoming competitive exam and earn everything I want. But I don't feel like doing anything. I feel like I have lost the zeal. And nowadays he has hardly any time for me.
My ex-boyfriend hasn't returned Rs 20,000 he borrowed from me. When I confronted him, he avoided me and told me to back off. Sometimes I feel like taking a loan.
Lastly, I have incomplete submissions of diploma course which I couldn't submit on time and I am requesting for extra time but I didn't get any help.
Though I feel that things will get better but most of the time, I feel like quitting.
Today my father scolded me again, so I went to terrace. I screamed and cried and decided to end my life.
I have become so alone. I am wondering when my life will be on track.
I am not a bad person. I know I have flaws. But why has life become so tough?
I am only getting rejections and failures. I don't know what to do. How do I tackle with all of these? Please help me. I am totally exhausted.

Ans:

Dear AB,

Breathe! And breathe again and once more…

Life is filled with all things great and challenging as well. Challenges come to us as a growth path; one that we must walk on to unleash more of our inner power.

Challenges within the family, education related challenges, personal challenges and more are part of anyone’s life.

How we deal with each defines our journey and shapes our mindset as well.

Have you felt like playing the victim in each challenge and hence feel low and dejected and that prevents you from finishing what you have taken up?

I might be wrong here, but what seems to be happening is every activity is left mid-way due to lack of confidence from within. And then the loop continues and you have termed it as a rejection and failure. We receive what we put out there; so why don’t you try something different?

Why don’t you pick something (one at a time) and see it through till the end; it will give you a great sense of achievement and to do this; simply visualize the path from the start to the end and then jumping for joy at your victory.

Request your boyfriend to play the role of an accountability partner, so that he keeps your ups and downs in check.

Commit to him as to what and when you will finish; and to motivate yourself, keep visualizing your victory and success point and the happiness that you will feel from within.

As for your parents scolding you, they only look at your welfare.

Sit them down and tell them that you need their support and that you are embarking on a new journey.

I am sure that they will be rooting for you. Life is beautiful, make it count and you know you can!

Best wishes!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1540 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2022

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Relationship
Hi Anu ma'am, I'm a class 12th JEE aspirant. Right now my life is actually seeming to be over. I have my board exams going on and JEE mains on head. The exams are not a problem but those expectations of performing good are. I've been a good student till now. Scored 96.6% in 10th and was always a sincere and obedient child. My father is an alcoholic and mother, a typical Indian housewife who is all nice, hardworking, busy with house chores, frustrated and tired all day. Before the pandemic life was much easier to me. I would go to school and forget all these problems with my family. Oh I didn't mention that my father sometimes turns abusive and beats my mother. I don't know how safe it is to share here but I wish to confide in you. So this pandemic ruined it all. I had to face the reality of my life at home. I couldn't join any coaching or tuitions as this is not that developed place. I had to manage my studies with all this stress. I kind of ruined all my progress and image as a decent performer in school. I would never in a million years blame my environment for this. My parents love me and always wish the best for me. But right now I'm scoring really low in boards as well as JEE mock tests. All this is breaking me. I always wished to study hard and explore a world outside this little, not so happy house. I don't know what I'll do if I don't get a good government school. I want to make things happy between my parents and maybe if I earn well, I can do something...I don't know what but seems like money can fix a lot of things. I'm really so depressed...I was on anti-depression pills but felt like not to continue them as they made me overthink more...I don't know why. Nowadays I would just go on and sit uselessly or sleep for the entire day as I just want it to get over. Nobody sees how sad I'm. My father is busy with his office work and mother is depressed and traumatized to some levels. I feel like I can't burden them with all this anymore. I talked to my father to get things healthy but he gets all angry and aggressive.... and I'm really weak to face that both mentally and physically. I really wish that you get time to write back to me. I really need some help. I read an article where you answered some queries and couldn't stop myself. I just want to see if it's actually over or I have anything still left in this world for me :(Thank you
Ans:

Dear A,

Thank you for reaching out.

My response will be out here and shared online but your name does not appear, so it will be strictly confidential.

Sometimes we get into situations that we obviously don’t want to be in; like I am sure you didn’t want to be in a place filled with doubts and anxiety.

But hey, do you realise what’s nice about you?

You have a trait that doesn’t believe in blaming her parents and indulging in self-pity. And that’s wonderful and you know why?

Because when you shift focus onto yourself, you start to step up and do something more useful like value and respect your own life.

So, why don’t you start with listing down all the things that you are good at.

Next, the way you used to study earlier was effective; bring that schedule and pattern of studying back.

Write down the goal/outcome clearly and put down steps to achieving it. Exams are just one part of your life and not your entire life.

As for improving your environment, all that you can do now is, fortify yourself from the heated debates and sadness and how?

By spending time with friends who support and care for you, listening to music, indulging in things that you love doing.

And lastly, smile a lot! It will make you feel wonderful from within.

Celebrate what you have and live that moment! And most importantly, love yourself and the rest will follow…

All the best!

..Read more

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

Asked by Anonymous - Jan 31, 2025Hindi
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Money
Hi, I am 22 year old, lost all my savings and earning, I earn 33k/month, Have cronic disease of ULCERATIVE COLITIS IBD, IN 2021, I lost 40k in option trading then I stopped last year in 2023 I started working and lost 2.8 lakh including interest on loan, Took 2 High interest top up loan. I don't know what happened to me I took another loan of 228000 from HDFC which I lost in one day, now I have EMI of 19068 every month, no body in family know about this and my father earns only 18 k per month, losing 4.4 lakh total. Now lost and direction less.
Ans: You are going through a tough time. First, take a deep breath. Mistakes happen, and financial losses can be recovered. Your situation can be improved step by step. Below is a detailed plan to help you get back on track.

Understanding Your Financial Situation
You earn Rs 33,000 per month.

You have a total debt of Rs 4.4 lakh.

Your current EMI is Rs 19,068 per month.

Your father earns Rs 18,000 per month.

You lost money in options trading and high-interest loans.

You have ulcerative colitis, which requires medical attention.

Immediate Actions to Stop Further Damage
Completely stop all trading activities. Options trading is highly risky. You have already lost a large amount. Avoid any form of trading or gambling.

Do not take any more loans. Your current debt burden is already high. Additional loans will worsen your situation.

Reduce unnecessary expenses. Your priority is survival and debt repayment. Cut down on luxury, entertainment, and eating out.

Inform the bank about your situation. If you struggle with EMI payments, request a lower EMI or restructuring. Some banks offer relief options.

Avoid using credit cards. Credit card debt carries high interest. If you have outstanding dues, pay only the minimum amount for now.

Debt Management Strategy
List all loans with interest rates and tenures. Prioritize clearing high-interest loans first.

Consider a personal loan balance transfer. If you find a lower-interest option, transferring your loan can reduce your EMI burden.

Increase EMI payment when possible. Paying more than the minimum EMI will reduce your overall interest burden.

Try negotiating with lenders. Some banks may offer lower interest rates or waive penalties for good borrowers.

Building a Stable Financial Foundation
Create a monthly budget. Allocate funds for rent, food, medical expenses, EMI, and savings. Stick to it strictly.

Start a small emergency fund. Save at least Rs 5,000 per month in a separate account. Do not touch this money.

Look for additional income sources. Try freelance work, part-time jobs, or skill-based gigs to increase earnings.

Seek medical financial assistance. Check if your employer provides health insurance. If not, explore government or private schemes.

Emotional and Mental Health Support
Talk to a trusted friend or family member. Keeping everything inside can cause stress. Seek support from someone you trust.

Consult a financial counselor. A professional can help you restructure your debts and plan better.

Practice stress management techniques. Exercise, meditation, and proper sleep will help you stay mentally strong.

Long-Term Financial Recovery Plan
Avoid any high-risk investments. Focus on stable investments once you are financially stable.

Enhance your skills for better career growth. Upskilling can increase your income over time.

Build a long-term savings habit. Even Rs 1,000 per month in a safe investment will help you grow wealth.

Final Insights
Your financial problems are serious but not impossible to solve.

Your priority is debt repayment and stability, not investment or quick money-making methods.

Take control, follow a strict financial plan, and be patient. Improvement will take time, but you can recover.

Seek professional financial and medical advice where needed.

You are young, and you have time to rebuild. Stay strong and focused.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

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