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52-Year-Old Woman Feeling Guilty and Unfulfilled: How Do I Find Joy and Move On?

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

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 - Jan 26, 2025Hindi
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Relationship

Hello. I am a 52 year old woman who is neither divorced not single. I am independent financially. My husband is 14 yrs my senior, has become a social worker volunteer. He lives separately, visits me from time to time. My son lives outside the state, visits from time to time. Despite being independent, something is holding me back to enjoy my life to the fullest. I feel guilty, sometimes rejected and unloved. I never seem to do things that are in my bucket list. How do I manage accept things and move on? I am an introvert.

Ans: Dear Anonymous,
Go, travel, see the world! You have that luxury with no one back home to stop you...explore the world and you will find yourself...

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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Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 06, 2020

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Dear Anu,I am 41 years old doing my own business since 14 years. I live with my parents and i am married. Blessed with two children. I am the sole bread winner. They all luv me very much. These days (year 2020) I feel stressed and lonely, bcos of financial problem in running my house and fulfilling my EMI and other loan commitments. My family knows my financial adjustments and commitments. I feel myself like a machine working non-stop to keep my family happy and fullfil their desires. I don’t feel happy going home after my work for the day. I feel like I don’t understand them or they don't understand me. I know they luv me so much and me too. I feel let down but actually they support me in all the way they can. What should I do?
Ans: Dear AK, sadly, most of our lives are lived doing things for others.

Initially seeing the happiness on the faces of our loved ones makes us believe that what we are doing is the right thing.

But if you work or so anything in life without taking into consideration your feelings or your what you value for yourself, it will slowly start to seep into your core and you either end up feeling stressed or anxious.

I do understand that your situation is one of financial challenges, you mist work and why not work and at least set sometime for yourself over the weekend to rejuvenate yourself?

This time is non-negotiable and it is to refresh yourself so you can go back on Monday with a newness.

Also, instead of working like a machine, why not think that you are working efficiently to slowly pay off EMIs and to be free of them.

Bring some harmony between work and life which is what I can offer as a suggestion to you.

Be happy and work not out of compulsion but passion!

..Read more

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 17, 2022

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Relationship
 Hi Anu, I am a 38 YO woman. Personal issues - None. A loving and doting husband and a 4 yo lovely daughter comprises my immediate family. Relations with parents and in-laws are also smooth.Professional issues - Too many. I never imagined myself to be where I currently am. I have never had a stable career nor a very good salary. I have had a good education but have not been able to make a professional mark for myself. I was ambitious and confident but now feel that everything is too overwhelming for me to achieve. I had dreams but probably never the conviction. For a long time I kept blaming the family for ruining my career but somewhere deep within I know that I responsible for whatever has happened in my life. Today when I decide to do only what I wish to do or pursue, I find myself at a loss on account of lack of confidence to achieve it. Others around me seem to be more confident of my abilities and intelligence than me. I also feel that it is too late now and instead of myself, I should focus on making my daughter's life but somewhere I am still unsettled. I want to have a good, stable and a well earning career, even if it is for the next 10 or 15 years of my life. I have no personal complaints but professionally, I do not want to die without having the satisfaction of having lived a good professional life as well. It matters a lot to me, not for anyone's sake but my own.I am working right now but that is not my future. I have been able to manage jobs at different points of time in different industries but never a career. I haven't lost hope but I simply know that my life isn't right.
Ans:

Dear SS,

Firstly, ask yourself:

1. What will a job/career bring to me?

2. What is it that I feel a lack of when I am devoted into my personal life?

3. Am I trying to search for an identity through a career?

These questions will give you a clear picture of what is going on in your mind.

Most often, we crave something and declare the path but don’t realize that we are actually embarking on the wrong journey; it’s also possible what we are searching for already exists with us, but we are not able to see it or feel it.

For example: If you are searching for your identity that already is with you and you have told yourself that only a job/career could give that to you, it may so happen that every job that you are in will stress you to create an identity which you already have. You are on the cusp of changes as your children are growing…

Sit down with a pen and paper and clearly outline what you want to create in your life and WHY!

When this is clear, you will be able to take the first confident step and you will do it for yourself and not prove anything to anyone. It becomes only about your space and how you can make it beautiful.

2022 brings in a lot of hope for everyone and you as well. Chin up and plunge into a confident self and get ahead. All the best!

..Read more

Kanchan

Kanchan Rai  |525 Answers  |Ask -

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

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.

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Nayagam P

Nayagam P P  |4093 Answers  |Ask -

Career Counsellor - Answered on Jun 20, 2024

Asked by Anonymous - Jun 17, 2024Hindi
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Career
I am 35 years old woman. I am shy and introvert. I don't know if I earlier was the same. I have done my masters in English literature with just 47 percent marks. That led me to do another masters in public administration where I secured 55 percent marks. After several attempts I was able to qualify for UGC NET exam. Earlier also I have given multiple govt. exams, cleared prelims round but was unable to go to the final cut. I have done my graduation in Journalism in 2010.I joined as a content writer for a company but a coworker dominated me and I left the jib in just one week. I feel that I have no skills. I am afraid to talk ti anyone. I have fear of interviews. How to deal with that? How to get a job, how can I be financially independent? I feel so left out, all ny friends have reached superior positions and here I am stuck.
Ans: Madam, Apologize for late reply. You have NOT mentioned, since 2010 till date, what you had been doing & about family background? Did you work any where or were doing any part-time jobs? Anyway, please note, (1) 'Office Politics' is everywhere, even in Top-Corporate-MNC Companies also. How to handle 'Office Politics' depends upon (a) how you perceive others and others perceive you (b) your skills and knowledge (c) your self-confidence (d) office hierarchy / organizational flow (d) your relationship with peers / superiors, related to your job profile (2) Have self-confidence / self-esteem over you and avoid comparing yourself with your friends (3) Now think over which all fields you are interested in. (4) As age is a major factor & keeping in view your educational qualifications / attempts in Govt Exams, you can opt for 'Teaching' at home for the school-children around your home for the subjects you are confident such as English, Social Science & Language. (5) Try this to keep yourself engaged with school children and to get a mental relief from your (some assumed) psychological problems. (6) There is always a demand for Home Tutors. Charge reasonable fees and have patience to become popular in your locality (7) You have to come out of your 'Introvert' personality and talk to your reliable and affectionate friends / relatives. This will further reduce your psychological problem (8) You can even apply to schools for 'Teaching Positions' even if the salary is low initially for the subjects like English, Social Science, depending upon the Grade. If you have any other question(s) related to your career / options, please ask me here in RediffGURU. All The BEST Madam. God Bless You.

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Ramalingam

Ramalingam Kalirajan  |7837 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

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Ramalingam

Ramalingam Kalirajan  |7837 Answers  |Ask -

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

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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  |7837 Answers  |Ask -

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

Ramalingam

Ramalingam Kalirajan  |7837 Answers  |Ask -

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

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My son is a Singapore citizen. He has a flat in his name in Co-op. Hous. Soc. in Navi Mumbai purchased in 2005. He wants to sell it. Will you please suggest ways to repatriate the proceeds with least tax implications?
Ans: Selling property in India as a non-resident involves several steps. It's important to follow these steps to ensure compliance with Indian laws and to minimize tax liabilities. Here's a detailed guide to assist your son:

1. Understanding Capital Gains Tax

Long-Term Capital Gains (LTCG): Since the property was purchased in 2005 and is being sold now, it qualifies as a long-term asset. LTCG is taxed at 20% for non-resident Indians (NRIs).

Indexation Benefit: This benefit adjusts the purchase price for inflation, reducing taxable gains.

2. Tax Deducted at Source (TDS) Obligations

TDS Rate: The buyer must deduct TDS at 20% on LTCG for NRIs. Ensure the buyer complies with this requirement.

3. Repatriation of Sale Proceeds

NRO Account: Deposit the sale proceeds into a Non-Resident Ordinary (NRO) account.

Repatriation Limit: NRIs can repatriate up to USD 1 million per financial year from their NRO account, provided all taxes are paid.

4. Documentation for Repatriation

Tax Clearance: Obtain a certificate from a Chartered Accountant in Form 15CB.

Bank Procedures: Submit Form 15CA to the bank. These forms confirm that taxes have been paid.

5. Tax Exemptions to Reduce Liability

Section 54: Invest LTCG in another residential property in India within specified timelines to claim exemption.

Section 54EC: Invest in specified bonds within six months of sale to avail exemption. The maximum investment limit is Rs 50 lakhs.

6. Currency Exchange Considerations

Exchange Rate: The prevailing exchange rate at the time of repatriation will apply.

Bank Charges: Be aware of potential charges during the transfer process.

7. Professional Consultation

Certified Financial Planner: Consult a Certified Financial Planner to navigate the complexities of taxation and repatriation.

By following these steps, your son can efficiently manage the sale and repatriation process, ensuring compliance and minimizing tax liabilities.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

...Read more

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 24, 2025Hindi
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Relationship
I have been married for more than 3 weeks. And I don't like my husband. I didn't like him before the marriage and it was very clear to my family tht I didn't like him. But my parents forced me to get married to him and it was my fault tht I couldn't prioritise my feelings. I considered what would happen to them if I called off the engagement. And after being married I have been more than depressed. My parents keeps telling what I should do. I don't let him touch me since I don't like him I asked him for some time and on the 2nd day he made a huge issue in my family telling them that I don't let him touch me. I started to resent him after this. Everyone around me keeps on telling Me that he will go abroad in 2 weeks so I should do whatever a wife does. it's been 3 weeks and continuous arguments. I'm so sad. I'm scared of what would happen if I leave this marriage. I can't stay in my own family because they would treat me so bad. I would have to stay alone. Thinking about the uncertain future and consequences am not able to do anything. Am stuck in this miserable situation.
Ans: Dear Anonymous,
For sure, it's difficult to be physically intimate with someone that you do not fancy and he is being silly in making this public. Rather than winning you over, he's making it a public issue to gain sympathy which his highly immature.
Now, I am going to give you an example that you may not like.
Eg: You have to live in Japan for 2 years and you do not like that cuisine. But eventually you realize that 2 years is a long time and then you actually start enjoying the food by looking at what's nice in it; healthy, light, good on the heart etc.

It's the same here. You may have gotten forced into the marriage. But it's just 3 weeks. Give it time...NO, you do not have to engage in any physical intimacy with him right away; but at least try to get to know him...maybe someday you might start to appreciate his good qualities, yeah? See, if this is possible in the short time that you have...it's just about having an open mind. Marriages are easy to break, think hard on this one.

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  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - 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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