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44-Year-Old Woman Asks: Is It Wrong to Stop Supporting Demanding Parents?

Anu

Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 08, 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 - Sep 27, 2024Hindi
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Relationship

Hello I have a strained relationship with my parents. I am 44 years old woman and married late. And now have twins who are 7 years old. Before entering this marriage, I was working and paid 50% of the earnings to my parents. And tried managing with rest 50% by paying home loan, food and others. It was very difficult but at times, i couldnnot manage on my own as the finances were tight and couldnnot save anything. Later, I took a break from work due to my love marriage and had to settle in a rural place where job opportunities were unavailable. I started a school but things did not go well and had to shut down due to covid. My money which I received from PF, gratuity all had vanished due to the school and my husband business also got into troubles and has no support from families. We were almost on roads and did not have any help. It was difficult to manage with twins. Then, i started with 5 freelancer jobs and made one lakh a month which was needed to support my family. In the interim, i got a good job at Chennai and moved with my husband. He too got a job in a start up and moved with me. His being a work from home could manage my twins while they were at home. While we started earning, again my parents started asking for money and I stopped supporting them, as my sister had started giving them money every month while i got married. My sister is well settled and runs a company abroad. I had got into a job and just settling down and did not want to take pressure again. I have my children and need to save for our retirement too. So, i started saving penny by penny. And due to not supporting my parents they do not talk to me at all. I too stopped as I thought it's better to be far with peace of mind rather than have frequent heart aches. Husband side story is that..after business got lost due to covid, his mother filed case against us stating that my husband brought loss to the business and need to step away and filed an injunction case against us. So, we could neither go to our property or restart business. As such, the case is moving and no relationship with my inlaw. But I always feel when children have holidays ...and children have been unaware of the relationship of grandparents and they yearn to be with them. They are growing up without any love of grandparents and they seem to understand. At time, I feel to help my family but I am scared as they will start squeezing me totally and I will be left with no savings. At this age, I have started to save and need it for our future. Am I doing it right

Ans: Dear Anonymous,
Oh, yes, you are thinking and doing the right thing.
You have done what needs to be done for parents when you could and if by not supporting them with money now has made them judge you and distance you, then well, what can you do?
Yes, it's unfortunate that your children don't have the opportunity to get the love and attention of their grandparents, but if you look at how immature they have been and dragging you and your husband down, it's better to keep the children away from all this drama until things settle.
Children don't need a lot of people, they just need people who love them. I am sure you and your husband are doing just that. Focus on yourselves and make it work as a family. You deserve to be at peace after all that you have gone through. SO, don't waver and keep doing what you have so far to maintain that peace of mind.

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 Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2022

Relationship
I got married in 2018 and it was an arranged marriage. Everything seemed very perfect for me. But soon after things got weird as I realised my husband does not share good rapport with his own family. From day second, I felt I need to correct my husband' attitude towards his own parents. He loves me a lot and protects me from any type of problem while we were staying at my in-laws' house. But before completing 2 months we moved out and somewhere I knew there is no going back to his parents from that point. During the short 2 months stay I was told that my parents did not give me good stuff -- I mean bed, almirah and (that they) had not arranged our marriage function in the best way possible. I have seen them fighting among themselves for purchasing Maggi packets stating who will pay the price. I was told my husband who is eventually their real son contributed nothing to his sister's marriage, to their house construction and to his own marriage. I was asked to pay for the marriage album as my husband contributed nothing to his own marriage. Even after leaving their place bank payment related messages have been sent to me to pay the amount. One day after feeling helpless I asked them: If your son is having so much problem why did you marry him. They simply stated that they did it for the sake of society. The moments before leaving the house were tense. They threw a lot of tantrums -- they took the jewellery they'd purchased for me and also retained the jewellery given by my parents. I said nothing about it as those materialistic things never mattered to me. I had to take back a part of jewellery made by my parents from them as my parents wanted it back. But after leaving home they did not call to ask anything about our health or our problems with the new set up but instead called for money. They are threatening to come back if we don't talk to them on regular basis and bend their son on his knees to come back to his parents. Till some time, I was under the impression that my husband is having issues; that he is the monster who is abandoning his parents. When I learned his side of story, I realised he is not at fault completely. They never made him feel loved or accepted; and always compared him with others. They considered him as their investment plan as they are all the time cursing him for not providing any financial support without knowing at what salary he is working for, what are his monthly expenses and whether he is in a position to assist them financially.He doesn't have any good memories with his family. Still I tried to make him feel their pain to be left alone behind their only son. After leaving their house they started to abuse me on phone whenever they wanted. They cursed me and my parents for taking their son away from them. My husband is the typical Indian male who on the first night took control of my debit card as he thinks it is his birth right. He strictly told me what not to wear. Although these were major flaws in the attitude, he showed love towards me so I did also do the same. I am happy with him. But with this constant verbal abuse from his parents, I feel like I’m the one who is the culprit here. I was not ready to even extend my family with my husband but somehow I did take the decision after four years of my marriage. I am expecting now but my husband warned me to not inform about this to his parents otherwise, he will send me permanently to my parents’ house. My subconscious is shaking me in every 2 to 3 weeks that I’m the culprit here. I feel like my child will also leave me behind the way we left his parents behind. They insulted me in every possible way but I still don't want them to be left alone in their senior years like this. But I have no control over my husband he is way more detached towards them and maximum time insensitive to their problems. Also his parents always call to either abuse me or their son they did never ask us how we are if we are fine even in corona time I was positive and when they knew about they call my husband to make fun of this. Please suggest.
Ans:

Dear MB,

Too much going on in your mind all at once. Sometimes, it helps to compartmentalize.

It seems like you are being a nice human, have tried patching things between the son and his family.

Let it alone, it is unique and it’s their battle to fight. By you getting into this, it might eventually be pointed out that you are a bad wife and a bad influence on their son.

People when in distress lose sense of logic and blame everything on the external. So, you have done your bit, in vain…now stay away from their relationship.

What is meant to be, will be. Any more interference might only harm the relationship further.

As for you, when they call and abuse, kindly assert that you will not be talked to in that manner OR simply avoid their calls till the time they ask, then say: I do want our conversations to be had with respect both ways.

As for your husband taking away your debit card; it does seem his way of exercising control which he lacks with himself in relation to his parents.

He feels helpless and him taking charge of what you wear etc is his way of establishing ground rules by being a patriarch.

Please rework this soon else this will be observed by your children especially if you have a girl child.

Your meek submission is what she will learn from you.

Just like you took your streedhan back, what you feel you have a personal association and right over, kindly take it back.

His love for you does not mean that he owns you and it does not mean you need to submit.

Of course, if it is to maintain peace for the time being, alright…but over a period of time this has to change.

Enjoy the pregnancy without bringing unwanted worries that your child will also leave you etc.

Too much of commercial movies can instil these fears. Your husband and his family made this choice to harbor animosity towards each other.

Why will your child do the same with you? There is no transference. Simply, enjoy being pregnant, focus on yourself and your child.

Think good, eat good, feel good, laugh a lot and choose what who you want around you. It affects the child directly.

Please become responsible now towards your unborn child. He/she needs you.

Be with Nature a lot, listen to calming music…your baby will thank you someday for this. So smile and get on to enjoying your pregnancy.

Be happy and all the best!

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Anu

Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 15, 2024

Asked by Anonymous - May 13, 2024Hindi
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I am 33 yrs old, recently lost my loving husband of 35yrs old to a sudden massive heart attack. Since we had a loving bond in my in laws family, and they didnt want to go back to their village, i offered them to shift the rented apartment, to a place closer to my maternal housez wo that i can live with my own parents and be close to them as well and keep visiting on and off. I have a brother in law, same age as me, who left his job son after his brothers death, in pretext of studying for exam. I supported him saying its ok . Ill find a job and pay the rent till you get a job for urself after your exams and offered to pay 50-50 rent, for the house i wont even live in. My maternal family was not fond of this, but still supported me, knowing my good intentions.With time their thoughts changed or what i dont know, his brother doesnt study at all, and emotionally harasses mw saying you told you will take full responsibility and now you are backing off. His parents on the other hand insulted and accused my parents for trying to take the money of life i surance which is in wife's name. They feel they have right on all the claim amount that I (his wife) is nominee off and that me and my family wither changed the nominee name after my husband's death or when he was alive, tactfully forced him to put my name as nominee. I lost respect for all the three. I would have even given all the money to them, but now, i cant take their insults and false accusations any more. Even tried explaining them in a family meeting. But in vain. If anything, they start crying and showing that how their loss is bigger than mine and how we are being such vultures ...although i understand their loss, but they ought to know my loss is same ,if not less. Should i not stand up for my parents and myself? His brother does not want to take any responsibility and shamelessly tried to emotionally torture me into apting their rent and giving all that my husband has left in my name (ps. Its not a big amount ) but still, its not about the money for me...its about the trust and how little they think of me. What do you think should i be doing? I gave his brother a mouthful the other day and blocked his number, as he was continuously sending me msgs and torturing me . He is the kind of guy whonwould have fed on his brother his whole life, had he been alive.
Ans: Dear Anonymous,
I am so sorry for your loss!
But you have not understood why drawing of boundaries is important to keep any relationship healthy. By opening up yoour space, you have allowed people to take advantage of your niceness and now they have turned the tables on you making you look like a villain.
If you had to advice a dear female friend, what would you tell her? To keep giving into her in-laws drama or to draw the line, protect what is rightfully hers and move on with dignity ignoring such people?
What would you say to her? Follow your own advice; you don't owe anyone anything and you were just trying to be nice and they could not see that in all their immaturity. Maybe it's their grief speaking BUT if they are still going to rain hell on you; draw that boundary now and save your peace of mind...Please!

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  |1318 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

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Radheshyam Zanwar  |1054 Answers  |Ask -

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Asked by Anonymous - Nov 21, 2024Hindi
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Career And Placement Consultant - Answered on Nov 21, 2024

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I am looking for a job, I had uploaded my resume in job site. A consultant called me & introduced himself telling he know some of the openings. He had a detailed discussion about my job & my skills. He told need to register to his consultancy for scheduling interview. I registered with him & he got me a interview. Interview was done by the company through skype. I could not see the company persons. They told only they can see me. Interview went on well & regarding salary I told my expectation but they told it is not possible & they told their proposal. Finally I agreed to them. They gave me code & told to visit the company for next round. Consultant called me after first round & told recruiter is very happy with the interview. Regarding salary he told why I agreed for the proposal,he will discuss again & asked to pay charges for some of his services which he will refund the day I visit to the company & take the orders. I paid him. He told there is a increase in salary he has discussed with recruiter & again asked for the money I did only partial payment & further will not pay anything. Second round also happened through skype instead of in person. Interview went on well & salary offered was good comparing to before & there was a big jump. Recruiter told they have planned to give additional responsibilities so they have increased. Finally they gave me a date to visit company. I asked when will I get the order, he replied he will send to consultant as I was taken by them. Till now i did not get the orders, consultant is keep on postponing. Now he told visit to company date is also postponed, he will update in next week & not to worry as job is confirmed. Now not understanding what to do, am I been cheated or wait.
Ans: Dear Mr. Keshava ,

There are many unscruplous job agents who are fake and claim themselves to be a Placement consultant. In short You have been cheated . Before paying any fee for registration , you must ensure that the agency is genuine . If not don't even upload your resume . You may write to company , lodge a complaint against the agency. If the amount is very high , pl. take the help of police . .

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Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 21, 2024

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I hv started sip in 2008 and still continued , now the monthly sip is 55k and total value is 1.85cr. Need to accumulate 7cr with in next 4 yrs pls guide how can i achieve. - Deepak J. Hajari
Ans: Deepak, your long-term SIP discipline is impressive. Accumulating Rs. 7 crore in 4 years is ambitious. Achieving this goal requires a strategic approach, as time is limited. Let's create an actionable plan for your success.

Current Financial Snapshot
Ongoing SIPs: Rs. 55,000 monthly.
Current Portfolio Value: Rs. 1.85 crore.
Target Corpus: Rs. 7 crore within 4 years.
Your consistent investing habits have built a solid foundation. However, to achieve your target, adjustments are needed.

Key Challenges
Short Time Frame: Four years is a limited period for aggressive wealth accumulation.
Significant Gap: A gap of Rs. 5.15 crore remains to meet the Rs. 7 crore goal.
Market Volatility: Equity investments might face short-term volatility.
Recommendations to Bridge the Gap
1. Increase Your SIP Contributions
Raise your SIP amount to Rs. 1.25 lakh per month.
This increase ensures faster wealth creation through compounding.
Prioritise high-growth funds in equity-oriented categories.
2. Invest Lump Sum Amounts
Consider deploying a lump sum if you have idle savings or low-yield investments.
Invest in aggressive equity mutual funds for higher potential returns.
Break down the lump sum into tranches for better market timing.
3. Diversify into High-Growth Mutual Funds
Focus on small-cap and mid-cap mutual funds for higher growth potential.
Maintain a balance with some large-cap exposure for stability.
Ensure the portfolio aligns with your high-return requirements.
4. Avoid Overexposure to Debt or Low-Yield Instruments
Limit debt investments during this aggressive growth phase.
Avoid instruments like FDs or debt mutual funds with lower returns.
Rely on equity for the next four years to maximise growth.
5. Rebalance Your Portfolio Regularly
Conduct a portfolio review every 6 months.
Reallocate funds based on underperforming or outperforming sectors.
Keep your portfolio aligned with market trends and your goals.
6. Capitalize on Bonus or Windfall Gains
Direct any bonuses, salary hikes, or windfall gains towards your target.
Avoid unnecessary expenses during this focused phase.
Tax Efficiency Matters
Equity Mutual Funds Taxation: Gains above Rs. 1.25 lakh are taxed at 12.5%.
Debt Mutual Funds Taxation: Taxed as per your income slab.
Plan redemptions strategically to minimise tax liabilities.
Leverage Market Opportunities
Benefit from Market Corrections: Use corrections as opportunities to invest lump sums.
Stay Invested for Compounding: Avoid early redemptions to let compounding work fully.
Role of Regular Monitoring
Track Performance: Ensure funds are performing as per expectations.
Switch Funds if Needed: Shift from underperforming funds to high-growth options.
Final Insights
Deepak, achieving Rs. 7 crore in 4 years requires aggressive yet calculated strategies. Increase your SIPs, deploy lump sums, and focus on high-growth funds. Regular monitoring and disciplined investing are key to your success. Stay patient and consistent.

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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