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Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 14, 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
POOJA Question by POOJA on Aug 11, 2024Hindi
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Relationship

hey anu mam, you said that i could attempt my efforts for let them meet one and they already met him as my friend ones before i discuss about my love marriage opinion, now i am trying my best to ask them to meet him , they keep trying to change my mind regarding this, and i keep saying no. They also trying to find another guys from my caste for arrange marriage but they are not discussing with me , if they ask i will say no . thank you mam for your wise opinions .

Ans: Dear Anonymous,
Let him meet your parents not as your friend but someone who cares for you and wants to marry you. You need to let your parents see him for who he is...
Love at times is a huge testing point. So, make all your efforts...

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  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 25, 2024

Asked by Anonymous - Jun 21, 2024Hindi
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Relationship
I fight in my house with my parents and brothers for them to accept for my inter religion love marriage...they are not accepting for it,they are trying to do marriage with other person for me,with lots of fights and talking they finally cancelled the marriage option with other person and gave me a time of 2yrs,that they will not get you any type matches,they won't distrub...after 2yrs if iam ready then only they will search for it..they clearly mentioned that if it be 2yrs or 10yrs...we won't accept that guy whom you have been in relationship...if you want to stay as single forever...we will leave you,as single...but we won't accept him,or we won't let u to marry him that guy... because ,they were bothering about society and caste,that he belongs to other religion... what should I want to do,I can't leave him,and I can't live without him... should I take 2yrs time,may there mind will change? Or what else I should do
Ans: Dear Anonymous,
Well, as a grown-up and I assume that you are of a legal age to get married, it's purely the decision of the two people in question. But. of course, being part of a family system, it becomes a need to actually have their support as well, right? Then, work for it...You can possibly use part of the two years to work with your parents into understanding why you like this person and why you will be happy with him. It's a process, but if you want the support of your parents, then make that attempt.
Keep some sort of a deadline to this process else you will start to get frustrated it does not move in the direction that you want.

Will they change their mind? You will never know...But after that deadline, decide for yourself what you wish to do BUT it will all come at some cost/sacrifice. Make that attempt...

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  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 26, 2024

Asked by Anonymous - Aug 22, 2024Hindi
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Relationship
Hi, I love my parents a lot & the same way is for them, but in my family there are people who might say ill words against my father if he agreed to my decision, its really been 5 years I am trying to convince my father and even my grandfather also convinced him, but still my father is on the same point that I will not let this happen & if you want to do you go ahead but you will never come back here. I know the love and worry he have for me but there are many people ( one pandit) out of nowhere they are coming and askiing me to leave the guy and get marrieg in same caste. How the rules are changed if they know that my relationship is now 16 yrs & now I am making a tough decision of getting court marriage done. But suggest me will there be any tiny hope where I can still ask my father to be on my side. Apart from that he agreed for cousin marrigae in same cast but he will not attend that marrirage for mine atleast he can give me blessing. I was a good bacha for him which really made him hurt and he didnt expected this from me, tell me how can i make them agree
Ans: Dear Anonymous,
16 years is a long time and I am sure that you have thought this through...It's possible that your father may come around someday...for now, it's time for you to take a decision to live life and take charge. You cannot force him to agree to anything and maybe address what his worries. Some of it may make sense and some of it may seem unnecessary. But ultimately he is a parent and wishes you well.
Address his concerns and if he still does not want to look at things differently, you know what you can do...So, take charge...

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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Milind

Milind Vadjikar  |1147 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Apr 02, 2025

Milind

Milind Vadjikar  |1147 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Apr 02, 2025

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Planning for retirement is crucial, yet many people delay making key financial decisions. With options such as workplace pensions, private pensions, and state pensions, how can individuals determine the best strategy to ensure a financially secure retirement while optimising tax benefits?
Ans: Hello;

Retirement is the one of the most important financial goal and the key is you won't get loan to meet that requirement.

Typically people neglect it in early part of their career and then get a rude shock when hardly 10-15 years are left for retirement and they can't meet target corpus amount despite heavy investments.

NPS is a great retirement product for every Indian.

In fact since it's costs are so low that you won't find people promoting it or advertising about it.

NPS is similar to workplace pension but is available for businessmen and self employed people too.

Except for a minimum 1000 per year in Tier 1 account there is no compulsion to invest and also their is no upper limit to investment. However you may automate your investment in NPS using D-remit feature.

Limited withdrawals are allowed subject to terms and limits.

You can change your fund manager if you are not satisfied with its performance and also you can have different fund managers for different asset classes.

EPS is a add-on to other sources of retirement income and can't be the the only source since the maximum pension amount is limited to Rs. 7500 per month.

Unit linked pension plans are like private pensions but are a poor and inefficient copy of NPS.

In India only Govt employees are eligible for state pension.

PPF/EPF are also avenues for building retirement corpus but interest on EPF contribution above Rs. 2.5 L in a financial year invokes tax and PPF has lower interest rate.

Best strategy to secure financially secure retirement is to begin with a small amount from your first salary and later stepping up with increased income.

Best wishes;

...Read more

Ramalingam

Ramalingam Kalirajan  |8176 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 02, 2025

Asked by Anonymous - Apr 02, 2025Hindi
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Money
Despite earning a decent salary,I often find myself living from one payday to the next, struggling to save. I don't have significant debts, yet my expenses seem to absorb my entire income. What practical steps can I take to break this cycle and start building financial stability?
Ans: Many people face the challenge of earning a decent salary yet struggling to save. If your expenses absorb your entire income, it’s time to take control of your finances with a structured approach. Here’s how you can break the cycle and start building financial stability.

1. Track and Analyse Your Expenses
Identify spending leaks by tracking all expenses for a month.

Use spending tracker apps or a simple notebook to record daily expenses.

Categorise expenses into essentials (rent, food, utilities) and non-essentials (shopping, entertainment, eating out).

Spot unnecessary expenditures and set limits on avoidable expenses.

2. Set a Realistic Budget
Follow the 50-30-20 rule:

50% for needs (housing, bills, groceries).

30% for wants (shopping, entertainment, travel).

20% for savings and investments.

If savings seem difficult, reverse budgeting may work better. Allocate savings first, then spend what remains.

Automate bill payments to avoid late fees and unnecessary penalties.

3. Build an Emergency Fund
Set aside at least 6 months’ worth of expenses in a liquid fund.

Use a separate savings account for emergency funds to avoid spending it impulsively.

Automate transfers to this fund to ensure consistency.

4. Prioritise Saving Over Spending
Start small with savings if your expenses are tight. Even Rs 1,000 per month creates a saving habit.

Use automatic deductions to ensure savings before spending.

Increase savings percentage whenever you get a salary hike or bonus.

5. Cut Down on Unnecessary Expenses
Identify subscriptions you don’t use (streaming services, gym memberships).

Reduce frequent dining out and start cooking at home.

Choose budget-friendly alternatives for entertainment, shopping, and travel.

Negotiate for lower bills on rent, internet, and insurance.

6. Start Investing Wisely
Keep money working for you through investments rather than letting it sit idle.

Consider mutual funds through SIPs to build wealth over time.

Avoid investment-cum-insurance policies. Instead, opt for a separate term insurance and investments.

Invest in a mix of debt and equity based on your risk appetite.

7. Avoid Lifestyle Inflation
Salary hikes should increase savings, not expenses.

Maintain your current lifestyle and direct additional income towards savings.

Differentiate between needs and wants before making big purchases.

8. Plan for Future Goals
Define short-term and long-term goals (buying a home, early retirement, travel).

Assign a dedicated investment for each goal.

Adjust spending habits to align with your bigger financial vision.

9. Monitor and Adjust Regularly
Review your budget every 3-6 months to adjust based on changes in income or expenses.

Keep track of financial progress and celebrate small wins to stay motivated.

If needed, seek guidance from a Certified Financial Planner (CFP) like us for a customised financial strategy.

Final Thoughts
Breaking the paycheck-to-paycheck cycle requires discipline and consistency. By tracking expenses, budgeting wisely, saving first, and investing smartly, you can achieve financial stability and long-term wealth creation. Taking small but steady steps will lead to financial freedom in the long run.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner

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

...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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