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Anu

Anu Krishna  |1162 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 05, 2024

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
Asked by Anonymous - Jun 04, 2024Hindi
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Relationship

Hi Anu, i owned a site taking loan from bank and my bank loan is cleared, during down payment i took some amount from my in law, because he lended money he humuliated me very badly and i had a bad argument as well, as i have cleared my loan i am deciding to return back his money but my husband is not allowing me to return, what to do please suggest.

Ans: Dear Anonymous,
Who is this 'he'?
Who humiliated you? This is not clear...
Whatever money you borrow from whoever, kindly return it no matter what anyone tells you.

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

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Kanchan

Kanchan Rai  |331 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 21, 2024

Asked by Anonymous - Mar 20, 2024Hindi
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Relationship
Hi Sir. I have a typical.problem here. I lend.money to one of.mynfriends for his bzness..I worked as a consultant for him. I made an agreement for the money given to him. Nevertheless he didn't return the money yet..I left him now some months back. Though I asked him to give bac money but he says he has lost lot in his bzness and also says he can't return the money. Sometimes indirectly he says that because of me he has landed in loss. I don't want to go.legally but it has been lot.ot.months that he has returned money. But now I can't wait. What should I do now..pls advise. Thanks
Ans: Navigating financial matters within friendships can be challenging, especially when agreements aren't upheld as expected.

Initiate an open and honest conversation with your friend about the loan. Express your concerns and feelings without blaming or accusing. Use "I" statements to convey how his actions have impacted you personally.
Give your friend an opportunity to explain his side of the story. Listen attentively to understand his perspective and the challenges he's facing with his business. Empathize with his situation while also emphasizing the importance of fulfilling financial commitments.
Instead of dwelling on past grievances, shift the conversation toward finding a solution that works for both of you. Explore options such as renegotiating the repayment terms, setting up a payment plan, or considering alternative forms of compensation if he's unable to repay the full amount immediately.
Validate your friend's feelings and concerns about the situation, but also assert the impact his actions have had on you. Help him understand the importance of honoring agreements and maintaining trust in the relationship.
Clearly communicate your expectations moving forward. If you're unable to reach a resolution or if your friend continues to disregard the agreement, be prepared to set boundaries to protect yourself financially and emotionally. This might involve seeking legal advice or taking further action if necessary.
While it's important to address the financial issue, prioritize preserving the friendship if possible. Reassure your friend that your intention is not to harm the relationship but to find a mutually beneficial solution. Emphasize the value you place on your friendship and your desire to work through this challenge together.
Use this experience as an opportunity for personal and relational growth. Reflect on what you've learned about trust, communication, and financial boundaries in friendships. Apply these lessons to future interactions to prevent similar issues from arising.
Ultimately, finding a resolution to financial disputes within friendships requires patience, empathy, and effective communication. By approaching the situation with understanding and a willingness to collaborate, you can work toward a solution that honors both your financial needs and the integrity of your relationship.

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Anu

Anu Krishna  |1162 Answers  |Ask -

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

Asked by Anonymous - Jul 20, 2024Hindi
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Relationship
Hi, I got married in December 2012. Love marriage, we met in the office. I clearly told him that if I get married I would need to give one years salary to my dad as he has loan installments to pay and also told him my dad would do good wedding arrangements however no dowry should be asked. When his parents came to see me for the first time they came all prepared to finalize the relationship however we weren't aware. Me and my parents thought they are just coming to see me and the family. But when they started off with basic rituals that is when we were stunned but then went along. His father asked dowry from my dad and he was speechless but when I denied my father spoke to them and said he will bear all their expenses too but won't be able to give dowry. When I confronted my husband he said he wasn't aware that his dad will ask for dowry. We got married and when we visited his hometown his father confessed that he was not aware that me and my husband had discussed no dowry part otherwise he would not have asked my father. I was infuriated but I let it go. Soon after an year my salary started coming in and he would tranfer it in his account. I did not pay attention to it. Soon all the money was in his control. There came a situation in my family, my sister's wedding was called off by groom's end three days before the wedding and it was a shock. My husband asked us to write a letter stating all about the situation so that it can be submitted to the police. My husband kept a copy of that letter with him. During the lockdown my father asked for some monetary help from me but my husband denied to help him, and I started hating him to my core. Soon my mother in law moved in with us when my father in law expired. Since then our relationship sucked. She would always manipulate his son. I got so furious I started putting sugar in my husband's milk as he is diabetic and then later confessed it to him. Now he is threatening me of releasing that letter to my sister's husband and also has kept all the money in his control. He says he will make me feel sorry for what I did and also we are just living in my home but we have no relation and he does not talk to me. I don't want this relationship to flourish anyways but I need to know what can I do if I can get half of the assets. Please suggest what I can do.
Ans: Dear Anonymous,
Since you have decided not to stay within the marriage, the best recourse would be to seek legal advice and move ahead. He/She will advice you on assets split, custody etc.

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

Anu

Anu Krishna  |1162 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 27, 2024

Asked by Anonymous - Jul 26, 2024Hindi
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Relationship
I am married with 2 children. My brother-in-law (bil) [aged 46] is a divorcee since 2016 and had a failed suicide attempt when he was 18 years old due to a broken relationship. Post his divorce my bil did not find any suitable alliances from various matrimonial sites and had an unsuccessful one-sided love with one of his colleagues who is also a divorcee. My father-in-law or fil [aged 80 years old] is working part time and is not in talking terms with my bil however he willingly hands over money to my bil for managing his expenses. My bil used to stay in various parts of India on an average for 10 months as a part of his job. I happened once to check the bank statement of my bil and noted that the account balance was only Rs: 300. It was surprising as he was receiving 5.5 lakhs per annum as in-hand salary, had no alimony to be given to his ex-wife and gave money occasionally to his parents for their expenses. When questioned he did not give any concrete reasons for a low bank balance to our family and confirmed that he had zero savings/investments. In October 2023 my bil requested me for Rs: 2 lakh to clear his credit card dues. My bil confessed to me and my wife that he had spent lakhs of rupees on alcohol, cigarettes, prostitutes and had taken loan from various credit cards thereby exhausting all his savings. My bil promised that he will improve on his vices and would repay 10K every month from December 2023 onwards. However as on 25-Jul-2024 my bil only paid me 25K in total. He has started drinking and is jobless since 01-May-2024. I had to reveal to my fil about his bad habits and requested him to throw my bil out of the house as my fil was managing his expenses. I have a strong feeling that my bil has returned back to his old vices. Considering our day today expenses and unpredictability of the future costs we need to have prudent strategies to save money especially when one is 80 years old. I am really concerned that my fil is still supporting my bil financially for months despite knowing that the money is being misused by bil. My fil has only 5 lakhs as savings in Fixed Deposits. I and my wife are working professionals and have our own expenses to manage. I am really bothered that if my fil goes will exhaust all his savings and ultimately there would be a financial pressure on me and my wife to support my fil. At times my bil gives death/suicide threats due to which they are worried and my bil has become carefree as he is aware that my fil will bear all his financial needs when needed. Despite my fil bearing his expenses I am sure that the loans of my bil will never be repaid as my bil has no saving attitude. Please help.
Ans: Dear Anonymous,
Your BIL is living on the generosity from each of you. That supply chain when broken will then ensure that he will start to mend his ways. But it is possible that he has already gone into the deep end of the tunnel here.
Do suggest to your FIL to stop all money support; when this happens, your BIL is bound to contact your FIL again which when your FIL can suggest that his son get serious about getting treated by a professional who can manage his addictive behaviors and also help him come out of his relationship hits.
He has simply been reacting to his 'failure' of relationships and not everyone gets out it clean and free. A few out there struggle and your BIL is perhaps one of them. This is not to excuse his indulging in unpleasant and unhealthy activities BUT this is likely to continue as a response to unresolved issues.
He may not want to get to a professional but take it one step at a time. Even if he needs to come back home and be with his family, that care and support while he is in therapy can help him get back on his feet. My suggestion is not to delay this anymore...he needs help and NOW!

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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