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Anu

Anu Krishna  |1418 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 04, 2023

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 - Mar 03, 2023Hindi
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Relationship

Hello Anu, I am from Lucknow, with a pregnant wife and a son. I moved out of Lucknow after 2006 and since then I have never lived with them. But since Covid, I suffered a few setbacks in career and had to move back to Lucknow to live with my parents. It was a move out of force. Now, I am kind of doing ok in my career but feel like stuck at home. I don't get respect from my parents, there's absolutely no communication. My father is borderline narcissist and alpha male - everything has to happen the way he wants. His behavior changes drastically if we do anything without asking him or his consent. My mother and wife are not in best terms though I cannot say they are enemies. My mother has a super soft spot for my sister who lives in another city, she seems the pain even for my lady cook but not for my pregnant wife. Some times I have seen things in front of my eyes and I didn't like how my wife was treated. I feel no one deserves this - I would not have tolerated it myself so I cannot expect her. Now the thing is I want to move out of my parents place but without hurting their feelings. They are attached to their grandson and I feel I will be called out as the bad guy here if I try to move out. I feel that some distance will actually mend things as things were not this bad when I was living in another city. I don't know how to put up this conversation since it will mostly be striked out in the first place, I am scared of their reaction as they don't really support me or my concerns most of the time. I feel stuck every day and want to live life on my own, want to do things on my own. Make mistakes, but my mistakes. Also if I start this conversation, there's a chance that my parents might feel that this is because of my wife! Though that's not the case, it's me. If you can provide me any inputs or help, that would be great.

Ans: Dear Anonymous,
Move out and be unapologetic about it.
Initially expect a lot of tantrums that will make you feel guilty as though you have abandoned your parents. But remember as you have said that some distance will mend the relationship even if it means people feel hurt in the short term. Long term you will succeed in putting a system in place where healthy boundaries are put.
Your growing family will have a good physical and emotional space to thrive.
Now will your parents blame this decision on your wife? Highly possible, but when you know the intent behind this decision is noble, ignore the taunts and kindly ask your wife to become resilient to all this.
Think of WHY you had to take this decision which will not just help your family but also your parents and the relationship between the two sides.
A bit of inconvenience for a better larger term picture.

All the best to you!

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Kanchan

Kanchan Rai  |463 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 30, 2024

Asked by Anonymous - Apr 30, 2024Hindi
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Dear Madam, Iam a 45 year old woman. Ever since I was a kid I had went through lot of bullying by my rekatives for the way I look but my parents never supported me in any way instead found fault in ne for complaining but would always support my younger brother. Somewhere down the line I thought this was all I deserved and let oeople walk all over me without standing up for myself. Now that Iam a mother myself of a 15 year old kid with dyskexia, i have sacrificed my career fir his sake and still get bullied by my relatives dir being a useless house wife. I have started drawing boundaries around me to protect my mental sanity and allow only few people in it which invludes a small group of friends and my son and husband. I avoid making new friends. I have also stopped attending any social events that involves my relatives. Meanwhile I have started deeply resenting my parents who want ne to take care of them but openly favour my brother who lives abroad. I have taken care of them everytime they require neducal treatments yet my father openly says that he plans to give all his property to my brother who is never coming back. Its not about the money here but the apathy they have towards me that kills me from inside. I have tried to talk to them multiple times but each time my mother creates a scene and puts the enture blame on me. For once in my life i want my parents to love me unconditionally the way I do with my son. Am i wrong to expect that? This is causung lot of health issues in me. Please advise.
Ans: First and foremost, it's crucial to recognize that your feelings are valid. It's natural to want love and support from your parents, especially after all you've done for them. It's not wrong to expect unconditional love from your family; however, sometimes, unfortunately, families can be complex and dysfunctional, and our expectations may not always be met.

Drawing boundaries and prioritizing your mental health and well-being is a positive step. It's essential to protect yourself from toxic relationships and environments, even if it means distancing yourself from certain family members. Surrounding yourself with supportive friends and loved ones, like your son and husband, is vital for your emotional health.

Regarding your parents, it's clear that their behavior is hurtful and unjust. It's understandable that you would feel hurt and resentful toward them, given their favoritism towards your brother and lack of appreciation
for your sacrifices and care. However, it's also essential to recognize that you cannot control their actions or attitudes. You can only control how you respond to them.

While it's challenging, try to approach conversations with your parents from a place of empathy and understanding. Express your feelings calmly and assertively, focusing on how their actions make you feel rather than blaming them. It's possible that they may not even realize the extent of the hurt they're causing you. However, it's also essential to set realistic expectations. If your parents continue to be unsupportive or dismissive, it may be necessary to limit your interactions with them for the sake of your own well-being.

Remember to prioritize self-care and seek support from a therapist or counselor if you're struggling with your mental health. It's okay to seek professional help to navigate through these difficult emotions and experiences. You deserve love, respect, and validation, and it's essential to surround yourself with people who uplift and support you.

Lastly, continue to cherish the love and bond you have with your son and husband. They are your pillars of support, and together, you can navigate through these challenges. You're stronger than you realize, and you have the power to create a fulfilling and loving life for yourself, regardless of the negativity from others.

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Anu

Anu Krishna  |1418 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 13, 2024

Asked by Anonymous - Jun 09, 2024Hindi
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Relationship
Hi mam, My parents are very strict ones I tried to talk to them from last aug to November or December my father stoped talking to me and abused me with abusive words and my mother did not say anything she was in support to my parents, then I stopped some while , now parents are behaving normally like nothing happened and mother was asking is I forget about him i said no again and now I want to talk again about this issue but I don't how to start again I feel hesitation and i started panicking I feel so sad all the time I don't know what to do please help me . I love my parents and my partner very much , my partners parents were ready for us but now they are saying tell her to do talk to her parents fastly and ask if they are ready or not we will not wait for her , they are forcing him to marry someone else I'm so stressed all the time.
Ans: Dear Anonymous,
If you are an adult and my that I mean at an age where you can legally be married, then what is the confusion?
Also, is your partner is someone who values you and is also in a good financial position? (I say this only because many girls become blind in love without realizing that his income is the one that will support the family when you are ready to have a baby wherein there will be a small break in your career or you will have the flexibility to take a break).

What is the reason for your parents to say NO to this boy? I suggest that you address that concern otherwise no amount of talking is going to convince them. Request your partner to speak with his family so that can give you sometime to talk to your parents and sort things first. You are stressed all the time because instead of finding ways to solve the problem, you have been sitting with the problem and worrying about it.

Talk to your parents first, understand why don't like your partner and what must happen for them to start liking him. See where this talk leads you to...

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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How to finish home loan faster
Ans: Paying off your home loan early while building wealth requires strategic planning. A parallel SIP in equity mutual funds can complement your goal by leveraging market growth over the long term. Here's a detailed approach:

1. Start a SIP in Equity Mutual Funds
Invest monthly in a diversified equity mutual fund for a period of 7+ years.
Equity funds historically offer higher returns over long periods, outpacing home loan interest rates.
Align your SIP amount with your financial capacity, ensuring consistency.
2. Time the Loan Closure with SIP Maturity
Use the maturity value of the SIP to make a lump sum prepayment towards your loan.
Ensure the investment horizon of the SIP is long enough to mitigate market volatility.
A 7-10 year SIP period can yield significant growth due to the power of compounding.
3. Continue Regular EMI Payments
Maintain your regular EMIs while running the SIP.
Do not compromise on timely loan payments to avoid penalties.
The parallel strategy reduces your loan tenure effectively when executed with discipline.
4. Focus on High-Interest Loan Years
Prepayments made during the initial years have the highest impact on interest savings.
Coordinate your SIP maturity during this time to maximise loan repayment benefits.
5. Leverage Tax Benefits on Both Ends
Claim tax deductions under Section 80C and Section 24(b) for home loan payments.
Equity mutual funds held for over a year qualify for long-term capital gains tax benefits.
Use the tax savings to either increase your SIP or make additional prepayments.
6. Step-Up Your SIP Amount Annually
Increase your SIP amount by 10-15% every year to match income growth.
A higher SIP contribution accelerates wealth accumulation for loan repayment.
7. Avoid Premature Withdrawal from SIP
Do not redeem SIP investments prematurely unless used for loan closure.
The longer you stay invested, the higher the growth potential.
8. Track Loan Tenure and SIP Performance
Regularly review your loan outstanding and SIP performance.
Align your repayment strategy with market conditions and financial goals.
9. Focus on Financial Discipline
Avoid new liabilities while managing your home loan and SIP.
Stick to a budget that prioritises both EMI payments and SIP contributions.
10. Plan for Surplus Investments
Channel any bonuses, tax refunds, or additional income into either SIPs or loan prepayments.
Small additional investments can significantly enhance your repayment capability.
Final Insights
Starting a parallel SIP in equity funds while paying regular EMIs creates a structured pathway to close your home loan early. Over time, the compounded growth from your SIP can ease the financial burden of a lump sum loan prepayment. This balanced strategy ensures financial growth and reduced debt simultaneously.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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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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