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Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 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
AJ Question by AJ on Sep 12, 2022Hindi
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Relationship

Hi Anu mam, I want to share with you my life story because it now killing me everyday.
I am 23 years old now and third (unwanted) child of my parents. I have two elder sisters, 2nd sister was adopted by my father's sister and now I have one elder sister only.
If I talk about my childhood, I have no good memories, not a single picture of mine.
My father has always been busy at our family shop, only source of our income with my bade papa.
He never took any interest in my studies, school admissions, parents teacher meeting etc... He was always like a strict father without any strict responsibility on him. And my mother is a very simple and innocent Jain lady who believes in Jainism and God. So in my childhood we were not a united family, we were more like small scattered pieces of a family who were living with no hope and no future planning or future expectations.
As a kid, I spent most of the time watching tv or playing cricket. I have feared to ask my dad to buy me a cricket bat due to which I stole money from his wallet and buy my things for which i’d be brutally beaten if caught
I studied in a Hindi medium school which was in front of my house. I studied there till 3rd class and then my mother did some efforts to get admission in English medium school but she didn't succeed. I took admission in another Hindi medium school.
I worked hard at my level but never received any support from my parents especially from my father.
I passed my senior secondary in the year of 2015 in Math stream with 69% and want to pursue Engineering but my father does not want me to pursue that he wanted me to pursue Law so I took admission at local university and completed my graduation in 2020.
During my 1st year of graduation I realised that my father has an affair with someone. This caused serious trauma for my mother and me. We felt this was the reason for him not being interested in our life at all time. In my 3rd year of graduation I founded that my elder sister was in a serious relationship with someone which added to our trauma because we were also facing financial problems that time.
The problem arose when 3-4 years ago I came to know that I have knock knee problem in my both legs since childhood. I couldn't tell about this to my family.
So now I am unemployed, facing knee problem and depression. I don't know what to do. Should I leave my father for life and look forward to any small job and live my life, make my new family?
I want you to give me advice according to my current situation.
I will wait for your advice.

Ans: Dear AJ,

I can only imagine what it must be like for you. But I am not going to feel sorry for you as life presents challenges as opportunities.

You have had the opportunity to learn from each of your challenge, academically, personally, and professionally.

Focus on yourself now. What happened or didn’t happen in your childhood or the past only makes you feel like a victim and that isn’t useful when you are trying to solve a problem.

Focus on how you can better your quality of life despite your physiological issue.

Sit down with the doctor and ask:

How can I get treated?

Does it involve any surgery?

Will physiotherapy help in easing my condition?

You depression (which I imagine is self-diagnosed) is on account of you treating yourself as a victim, will change once you move into a positive mode where you treat yourself with respect and love.

Only you can better your situation and it is possible for you if you choose to look at all the things that are possible by you once you become mentally stronger. Then your academic or personal or professional challenges will not come in the way.

So Take Charge and NOW. All the best to you!

You may like to see similar questions and answers below

Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 06, 2021

Relationship
Hello Anu Ma'am, I don't know where to start. I don't know if there is anything wrong with me at all. It all started on 4th of July 2012. My father passed away that afternoon. I have been a single child raised by a single parent. My mother passed away during my birth due to a medical error. During my early childhood my father was distant and alcoholic. We barely bonded. I was a studious child turned rebellion for no particular reason. Getting into wrong circumstances and with wrong people. By the time I was in 10th standard, me and dad had a bond. He shared his feelings of loneliness and disappointments from life, friend circle, work, extended family, etc. It made me judgmental and opinionated towards everything and everyone. I never connected with my extended family and neither did any one of them. I moved to Bangalore in 2007 for a better career upon his insistence. I had goals, ambitions and desires and a place in life where I wanted to be. But after his death, life has been a mess for the last 9 years. The untimely death took me away from completing my engineering degree. I drifted back to hometown in a desperate effort to safeguard the home he built, where I grew up. If I quantify my 20 years with dad, it would sum up to barely 5 years of happy time. Rest of it is just marred by alcohol, abuse on his part and mine, distance, periods of no conversation or connection. I came up with ideas to keep the home and still pursue whatever was left of my dream. But it didn't work. For instance, the neighbors created problems for the tenants who I bought for that home. Some of my father's friends and my own had vested interests in that house and constantly created hurdles which damaged my efforts in my very first job. The lawyer I hired to transfer the property to my name played her own tricks to take the house. Lengthy government procedures, bribery, setbacks resulted in me losing my focus on the second job as well. As a last resort, in 2017, I sold the home and planned to settle down in Bangalore for good cutting all my ties with the place I called home. This also affected my relationship as my fiance's father questioned his faith on me and finally got her married to a guy in the States. Over the last 5 years, my career has marched forward aggressively. I travel to places cherishing the things I wanted to do -- travel, eat and gather new experiences. But when I come back home, there is a void. I don't feel happy about how far I have come and achieved despite everything. There is no one around to share my thoughts and feelings. There is no space to let out and let go. I am in a constant state of breakdown. I want to cry but I rarely do. Those moments of childhood, the experience of his demise the after effects still have a hold over me. I have become skeptical of trusting people and letting them in and trusting them. Then there is my own regret of not finishing my engineering and working towards the life I wanted and setting down for a normal degree and corporate life. I have started to indulge in excessive travel and bouts of poetic rant to let the hurt out but now I feel it ain't working. It's becoming difficult for me everyday. I don't feel suicidal because I know I won't take that step. But I feel very very lost and unable to find a way to move forward. I feel I am just there in the crowd without a purpose. What should I do?
Ans: Dear R, I can only imagine what you feel this moment.

Well of course, no achievements can possibly ever substitute for the sense of belonging that you perhaps crave for.

It’s unfortunate that many known people have tried to claim a stake in the property and possibly it might have offered you a respite when you sold the house.

What remains of all that you have gone through is memories and those 5 beautiful years with your father.

What if you heightened the happiness level in those memories by seeing them clearly and reminiscing the celebration moments with your father?

It’s easy to harp on what went wrong or what could have been better? But can anything substitute the few yet meaningful years that you had with your father?

And when it comes to the void that you currently feel, I do feel that it’s time that you extended your social circle.

The world is well connected and there is much in common that you can have with people across the globe in terms of mutual interests and discussions.

Develop a hobby or do something that you love everyday and remember to be with Mother Nature often. It helps clear the mind and keep you grounded.

Lastly and importantly, think of how you can add value to another person’s life.

When we think of something beyond us, it fills us with a lot of positive feelings and keeps us motivated from within.

Life can be filled with remorse or joy; it’s only a matter of choice!

My best wishes to you!

..Read more

Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 22, 2022

Relationship
Hi Anu, I am Mr R. Recently I came to read about the life situations many are facing and saw you are helping them. Am also in a situation like that. I am a single child to my parents.I had a fair childhood till I reached my 8th std. From that point (I don't know why and how) my father changed completely. He started quarrelling with my mom about small things and things worsened. I have seen my mom crying all day. I didn't know what to do at that time. I felt lonely, alone, frustrated.In my 11th grade, my father and mom decided to get separated. Father decided to sell our house but we had much debt in the bank as my mom had taken loans to build a new house. Later my father told her to sign in the divorce paper so that he could sell the house and give us the money to clear bank dues.He sold the house for a huge amount but gave us a small portion of it, which was not enough to clear the dues. Mom fainted in the government office when he told that he won't give us a single penny. In family court I have seen mom crying in front of the judge when he asked whether she wants to continue with my father or get divorced. She did not have an option, but to tell the court judge she wanted a divorce.From that day, I cared for my mom more than ever, more than my life. I couldn't even think of anyone telling me bad about my mom. We moved to a rented house and stayed in rented houses for about more than 15 years.My mom is 59 and will soon retire. She wants me to get married before her retirement. So I told her ok.Things change here.... This is my situation now and I need help.... I wrote about my past life above because I want Anu mam to know why am writing this mail to you....I was 28 when my mom wanted me to get married. But I was not ready for it. I wanted a girl who would love my mom more than I did. I wasn’t sure if a girl from a matrimonial site would be able to love my mom.However, one day my mom said she had found a good girl for me from a matrimony site and showed me the photo. She was from a rural area. We lived in the city. I asked my mom if will be a good match. She’d spoken to the girl’s family members and felt they were good. We decided to go and see the girl. When we went to her house, she was very polite and well behaved with my mom. I felt like I was about to start a new chapter in life. That it will be a good beginning. But it wasn't.Six months after marriage her attitude towards my mother was very rude sometimes. I felt bad but ignored. As days passed, she started debating with my mom for silly matters.1. The first quarrel was regarding the name of a fish. We bought some fish in home... My mom said this fish name is xxxx.... My wife told the fish name is xx and they started debating2. As am from Kerala, my mom had prayed that she will do my thulabharam if I get married before her retirement. In the temple my wife was meant to stand next to me during the ritual. However, when I searched for my wife she was standing far away. My heart broke. I began to worry if my life will also turn to be like my parents'.3. Two months after my marriage I heard that my father had committed suicide. I went to the temple to complete his last rites. As per the ritual, when I return home, my wife is supposed to prepare a sadhya (a full meal). But she fought with me for some silly matter and went to sleep without eating anything. She hadn’t cooked anything that day. My mother begged her to have food but she didn’t relent.She’d quarrel on all festive occasions be it Onam or Diwali. I didn’t tell anyone about it. When things get tense at home, she’d pretend to be ill and short of breath. One day I informed her brother. What he told shocked me. He told me to ignore her saying she must be pretending. I am worried that if something happens to her, I’d be blamed for it. With this fear, my mom and I are tolerating her.After 2 years of marriage, she became pregnant and gave birth to a baby girl. One day I saw my mom crying. When I asked her, she said that whenever my mother takes my baby in her hand my wife comes and grabs the baby away.One day I closely monitored the situation. I saw her grabbing my baby from my mother when my mom took her. I asked my wife, what's wrong and scolded her. The situation got worsened and she gave a silly answer.... She told me, she is worried about whether my baby will fall down from my mother's hand..... I informed her family and they gave her some advice and told her she need some doctor consulting regarding this.... While talking to their family I realised that she was like this before marriage as well.After the advice, for a few days, things were calm. Later, she started again. She'd stare at my mom whenever she'd give any advice.She is negative in all ways. Now her dad and mom have stopped calling me. Today while writing this e-mail she’d scolded my mom for recording my baby’s video saying my mom will send it to everyone. My baby was wearing a top and diaper nappy. When I asked her why she is behaving like this to mom, she said that my mom is not good to her. I cannot explain each and every quarrel but the reasons are quite silly. What should I do? After my father's issues, I thought my life after marriage will be good but it’s proving to be wrong.Waiting for an answer.
Ans:

Dear Mr R,

What exactly are you looking for as guidance from me?

That is something that you haven’t clearly stated.

Your narration of the story of your life gives me an understanding that you are at crossroads right now.

When at crossroads, ask yourself:

  • Where am I right now?
  • Am I stuck and unhappy?
  • How can I move forward from here?
  • What are the best alternatives that I haven’t tried before?
  • Have I done everything in the marriage to build it?

Clearly you and your wife see things differently and the only way is to sort this out if that’s what you want.

Coming from different backgrounds, there have possibly been a lot of adjustment issues for her.

Also, your closeness to your mother might have somewhat interfered in looking at your wife’s issues clearly and getting closer to her.

These are possibilities and since I do not know what you actually seek, I can only say: if you want to save your marriage, work on it with the help of your mother who as an elder can advise you appropriately.

It takes two people to build a relationship and it takes just one unrealistic expectation to bring that relationship down.

So, cast aside any expectation and approach this with a clear mind and a kind heart.

All the best!

..Read more

Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 18, 2023

Asked by Anonymous - Aug 13, 2023Hindi
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Relationship
My age is 42 years now. I am an elder son in my family, then my sister and two younger brothers. My father was a clerk in state govt. office. Being an elder son I did all my duties at par with my father. I spent my entire 9 years’ salary on my family, it includes sister marriage, brothers education (Engineering/Polytechnic), their coaching for competitive exams, books other monthly expenses. Under my guidance they both got job. I also performed co-applicant to Education loan to one of my brother. But now my father, mother and brothers betrayed (Beyimaan). Because my younger brother’s wife was selected in state govt. job and my wife is not employed. They kicked off us from their house. All it happens like TV serial. Now my wife also get job in central government under my guidance. My family member also did same with my younger brother and kicked - off them also. Now they ask me to live with them. I am very much in stress. I want to totally detach with my family. I want to close my all relationships with them. I also don’t want my father’s property. But every now and then they call me. They never help me. We live in same city. Please help me out. I don’t want to be part of B. P. and Sugar patient. I want to be a Vinod Khanna dialogue Parva Nahi from film Dayavan.
Ans: Dear Anonymous,
Time for you to do things for yourself! It may seem selfish at the beginning but taking care of yourself and your needs is self-care above everything else...
For once put your needs before everyone else's and resist any sort of manipulation from family. Serving themselves was their agenda at your expense; why still allow it?
Firmly refuse moving in with them as it won't take them long before they kick you out when things are not in their favour. You have the ability to be by yourself and support yourself...maintaining a healthy distance in fact helps relationships grow stronger. So, time for you to be kind to yourself...

All the best!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - Apr 29, 2024Hindi
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I am 34 and earning 1.3 lac can you please help me how to save so that i can happily retire
Ans: At 34, with a monthly income of 1.3 lakh, you have a solid foundation for planning your retirement. Here's how you can save effectively to ensure a comfortable retirement:

Assess Your Current Financial Situation:
1. Evaluate Expenses:
Start by tracking your monthly expenses to understand your spending habits and identify areas where you can potentially save.
2. Build an Emergency Fund:
Set aside a portion of your income as an emergency fund to cover unexpected expenses or financial setbacks. Aim for at least 3 to 6 months' worth of living expenses.
Create a Retirement Plan:
3. Determine Retirement Goals:
Define your retirement goals, including the age at which you want to retire and the lifestyle you envision during retirement.
4. Estimate Retirement Expenses:
Estimate your future expenses during retirement, considering factors such as healthcare costs, inflation, and leisure activities.
Implement Savings Strategies:
5. Contribute to Retirement Accounts:
Maximize contributions to retirement accounts such as Employee Provident Fund (EPF), Public Provident Fund (PPF), and Voluntary Provident Fund (VPF) to benefit from tax advantages and compound interest.
6. Invest in Equity Mutual Funds:
Consider investing in equity mutual funds for long-term growth potential. Choose funds with a proven track record and align with your risk tolerance.
7. Diversify Investment Portfolio:
Diversify your investment portfolio across asset classes such as equities, bonds, and fixed deposits to minimize risk and optimize returns.
Seek Professional Guidance:
8. Consult a Certified Financial Planner:
Work with a Certified Financial Planner to develop a customized retirement plan based on your financial goals, risk tolerance, and time horizon.
They can provide personalized advice and strategies to help you achieve your retirement objectives efficiently.
Stay Committed to Your Plan:
9. Regularly Review and Adjust:
Periodically review your retirement plan and investment portfolio to ensure they remain aligned with your goals and objectives.
Make adjustments as necessary based on changes in your financial situation, market conditions, and life circumstances.
Conclusion:
By following these steps and staying disciplined in your savings and investment approach, you can build a substantial retirement corpus and enjoy a financially secure and fulfilling retirement.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Money
10 Sal 4 mahine ka Mera job hai 58 year complete ho gaya hai pension bhi 58 year hone ke bad band ho gaya tha final withdrawal 19 form lagakar kiya tha reason 55 year ka de rahe hain ismein Main Kya kar sakta hun
Ans: Since you've completed 58 years of age and your job has lasted for 10 years and 4 months, it seems you're contemplating your options after ceasing your pension and completing the final withdrawal with Form 19, citing the reason as 55 years. Here's what you can consider:

Understanding Retirement Options:
1. Explore Alternative Income Sources:
Consider exploring alternative sources of income such as part-time work, freelance opportunities, or consulting services to supplement your financial resources.
Evaluate your skills and expertise to identify potential avenues for generating income during retirement.
2. Review Investment Portfolio:
Review your investment portfolio to ensure it aligns with your retirement goals and risk tolerance.
Seek guidance from a Certified Financial Planner to optimize your investment strategy and maximize returns.
3. Assess Social Security Benefits:
Determine if you are eligible for any social security benefits or government schemes that could provide additional financial support during retirement.
Consult with relevant authorities or financial experts to explore available options for accessing social security benefits.
4. Consider Delaying Retirement:
Evaluate the option of delaying your retirement to continue earning a steady income and build a larger retirement corpus.
Assess your health, lifestyle preferences, and financial obligations before making a decision to postpone retirement.
5. Seek Professional Advice:
Consult with a Certified Financial Planner to develop a comprehensive retirement plan tailored to your specific financial situation and goals.
Discuss various retirement options, investment strategies, and income sources to make informed decisions for your retirement years.
Conclusion:
As you navigate your retirement journey, it's essential to explore various income sources, review your investment portfolio, assess social security benefits, consider delaying retirement if feasible, and seek professional advice from a Certified Financial Planner. By taking proactive steps and making informed decisions, you can secure a financially stable and fulfilling retirement.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
Hello sir, I am just new in sip. I wanted to what will be the best way to start? Which ones to choose to get good returns in long term? My risk appetite is medium or above. Thank you
Ans: Starting Your SIP Journey: A Guide for New Investors
Welcome to the world of SIPs! Starting your SIP journey is an exciting step towards building wealth for the future. Let's explore the best way for you to begin and identify suitable investment options for achieving good returns over the long term.


Congratulations on taking the initiative to start your SIP journey! Your decision to invest in SIPs demonstrates a proactive approach towards securing your financial future.

Understanding Your Investment Goals and Risk Appetite
Investment Goals:
Define your financial goals and objectives, considering factors such as retirement planning, wealth creation, or education funding.
Establishing clear investment goals will help you select SIPs that align with your objectives.
Risk Appetite:
Assess your risk tolerance to determine your comfort level with market volatility.
Since you indicate a medium to high risk appetite, you may consider equity-oriented SIPs for potentially higher returns.
Choosing SIPs for Long-Term Growth
Equity Mutual Funds:
Equity mutual funds have historically delivered higher returns over the long term compared to other asset classes.
Consider diversified equity funds, large-cap funds, multi-cap funds, or thematic funds based on your risk appetite and investment horizon.
Balanced Funds:
Balanced funds, also known as hybrid funds, offer a mix of equity and debt investments, providing a balanced approach to risk and return.
These funds can be suitable for investors seeking moderate risk exposure with relatively stable returns.
Thematic Funds:
Thematic funds invest in specific sectors or themes, offering exposure to emerging trends or industries.
While thematic funds can potentially generate higher returns, they also carry higher risk due to concentrated exposure.
Constructing Your SIP Portfolio
Diversification:
Maintain a well-diversified SIP portfolio across different asset classes, sectors, and fund categories to reduce risk.
Avoid concentration in any single investment or sector to mitigate the impact of market fluctuations.
Regular Review and Rebalancing:
Periodically review your SIP portfolio to assess performance and ensure alignment with your financial goals.
Consider rebalancing your portfolio if necessary to maintain the desired asset allocation.
Getting Started with SIPs
Selecting SIPs:
Research and shortlist mutual funds based on their track record, fund manager expertise, investment philosophy, and risk-adjusted returns.
Consult with a Certified Financial Planner to identify SIPs that align with your financial goals and risk profile.
Systematic Investing:
Start your SIPs with an amount you are comfortable investing regularly, considering your cash flow and financial obligations.
Set up SIPs for a fixed amount at regular intervals (e.g., monthly or quarterly) to benefit from rupee cost averaging.
Conclusion: Embarking on Your SIP Journey
Starting your SIP journey requires careful consideration of your investment goals, risk appetite, and fund selection. By choosing suitable SIPs aligned with your long-term financial goals and regularly monitoring your portfolio's performance, you can lay a solid foundation for wealth creation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...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.

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