Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Anu

Anu Krishna  |1402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 01, 2021

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
TS Question by TS on Oct 01, 2021Hindi
Listen
Relationship

I'm married and mother to a 5 months old beautiful daughter. Before and after marriage I was working in a company as HR executive. I loved my job. Then I left my job because me and my husband was working in different locations. When I shifted with him, I tried a lot to get a job. But all in vain.

Maybe because of this I started getting frustrated. It affected my personal life a lot. I used to blame my husband as he never ever told me to quit. But somehow......

Then we shifted to our home town because of lockdown and my husband's WFH. And my frustration level is increasing day by day.

I lost everything. How to enjoy, happiness everything. I want to be happy but....

It's like I can't do anything for my daughter as well as for myself. I hate dependency and I am totally dependent on my husband even for a single penny.

I tried to commit suicide many times. Then I thought I should talk to my mother. I did. But nothing helped.

She used to tell me always that I have to live for the child now. Then I thought what I could do for her. Because if I m alone, sad, depressed from inside how can I be happy outside?

I used to motivate people and right now I want to end up my life. Can you help please?

Ans: Dear TS, What do you want for yourself? What do you want to make out of life?

You can choose to be sad and depressed and keep thinking of what hasn’t happened. Always do things that set you free, always think of things that set you free.

The more you choose to focus on what could have happened and what should happen, it leads you to a dark place.

Why think that you are dependent? Marriage is a space where both partners must have the comfort of growing together.

Let’s say someday if you have to step up and work instead of your husband, will you call your husband a dependent person then?

We all go through phases in life that challenge our mind and mental state. The sooner you accept this, the better you will sail through this.

After all, nothing is permanent. Instead of brooding over, if you gave yourself a fresh start and looked at opportunities in a different way, you may find something that is better than what you had initially been searching for.

And if ending your life, you think makes it easier, remember, it never has and it never will and DO think of your daughter who is solely dependent on you.

Please work with a Mental Health expert who will help put your priorities together and a good action plan as well to achieve simple goals in life.

Start first by being outdoors in Nature and please be in GRATITUDE for what you have in life. That will make you trust that LIFE IS GOOD! Surround yourself with people that nourish you.

Be in the best mind space. Best wishes.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1402 Answers  |Ask -

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

Listen
Relationship
First of all I would like to remain anonymous. As the world is happy with work from home I am not. It's been a year since my marriage but each day I desperately wait for offices to open so I can shift with my husband to another place and live independently. It's not like in laws trouble me or something; on the contrary they are good. But I feel suffocated. I am supposed to look after my sister in law's son which is the main reason for my depression. I've been through legitimate depression so I know when I am going through it. Now sister in law is moving abroad leaving her son to permanently live with us! I can't Anu I just can't. I am postponing having my own kid because I want to live an independent happy life at least for few years with my husband without the responsibility of a child. But I don't remember a single day after my marriage without a child in between. It's not like I don't love that child; I do. I just don't want to take responsibility of him and it's not even fair to ask of me that right. I am not happy. I really want to be. Please help me please.
Ans: Dear T, Simply be assertive and put your foot down.

Sometimes people do not respect boundaries till they are made aware that there are boundaries.

Supporting your sister-in-law to care for her son on a few occasions as the boy’s aunt is a great thing but playing the boy’s mom is not what you need to sign up for! And what you haven’t signed up for, isn’t something that you need to follow through.

Take charge, if you don’t someone else will as they already have; almost assuming that anything is fine with you.

The boy isn’t your responsibility and for anyone to assume that is unnecessary.

This has gone on because you have allowed it and if you want it to stop, you simply have to say it; support or no support from anyone.

Your happiness is how you want to experience; so create that accordingly…on your terms…without being rude, but by being frank and calm.

Play this situation over and over in your mind and how you will be assertive with them.

When the mind is prepared and rehearses this repeatedly, and then when the real situation plays out, your mind is already ready to support you.

Even if you have felt hesitant up until now, this mind training should hold you in good stead.

Take charge NOW! Best wishes.

..Read more

Anu

Anu Krishna  |1402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 20, 2021

Listen
Relationship
My name is Gatima, I’m 36 years old and a housewife. I’m married from past 10 years and it was a love marriage. I was bought up in metro cities like Delhi and Mumbai. I married to a guy from Goa and a shipy (merchant navy). I was working when I got married but I left immediately because I wanted to sail with my husband, initial years were good. I have one boy who is 5 now . We used to fight all d time but initially we used to understand each other and patch up fast , but from last one year our fights increased so much and we stop talking for even months. My husband has lots of complaints from me and always blames me for every fight. I’m feeling so guilty. I always curse myself and ask God why he made me so bad person. Whenever we fight, all other family members cut off communication with me. Although I am surrounded by so many I’m alone. I cry most of time but now my eyes have dried and there are no tears. I hate myself and my life. I cannot face the mirror for days bcoz I hate myself. I am living for my 5 year old son. But I’m very depressed and have PCOD . I don’t get sleep plus I get migraine attacks.
Ans: Dear GN, The past year has been different for different people; marriages have been rebuilt, new marriages have taken place, divorces have happened…relationships have gone through a huge transitions, in short.

Of course, not to undermine what you are experiencing right now!

Conflicts, arguments, debates are common in a marriage…but they can be worked upon as long as both of you want the same thing and want to stick around in the marriage.

What according to you has changed now when you say that things used to easily resolve earlier and now that doesn’t happen? What has caused this?

When you say, he complains and blames you, how does he do that? Does he actually say it aloud or are you interpreting it?

These questions get you closer to the truth of the matter at hand.

It takes two people to create a conflict, of course the phase of life or whatever the phase he is in, maybe he finds it convenient to blame you.

So why do play the role of the victim when you are not actually one?

And Yes, he may not be justified in what he is doing and throwing it all on you. But if simply being in this pool of misery has achieved anything, it has made you a victim…

If you want to feel better or change something about this situation, wake up NOW…do something, do anything; support or no support from anyone!

A small change in the way you perceive things and act for yourself can change your physical well-being as well.

PCOS/Migraine can be an indirect result of the anxiety and stress that you are carrying inside you.

Start focusing on what you are eating and if you are exercising enough…these can help a great deal in keeping PCOS/Migraine under control.

What you think is what you become…so keep your son also in mind and get yourself out of this misery or find an expert who can help you. You want this for yourself and your son, don’t you?

My best wishes are with you!

..Read more

Dr Ashish

Dr Ashish Sehgal  |107 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 20, 2024

Listen
Relationship
Hi, I am 51 have three kids, I am kidney patient my wife is not treating well and lived with me I used to visit home after 2-3 months but she is not happy with me and finally, i left home with broken heart every time. I am doing every best possible for the family financially as well as emotionally. my kids are also following her mother. What to do for me I am in frustrated mood always
Ans: I understand that you're in a very difficult situation and feeling frustrated. It's admirable that you're trying your best to provide for your family financially and emotionally while dealing with your health challenges. However, the lack of support and understanding from your wife and children must be incredibly painful.

Here are some suggestions that might help you navigate this challenging situation:

Seek Support:

Talk to a therapist or counselor: Talking to a professional can help you process your emotions, understand your options, and develop coping mechanisms to deal with the stress.
Connect with support groups: There are support groups for kidney patients and for families dealing with chronic illness. These groups can provide valuable emotional support and connect you with others who understand what you're going through.
Reach out to friends and family: Talk to trusted friends and family members about what's happening. Their support and understanding can be a source of strength.
Communicate openly:

Try to talk to your wife: If possible, have a calm and open conversation with your wife to understand her perspective. Share your feelings and needs honestly, and listen to hers as well. See if there's a way to improve communication and build a more supportive relationship.
Talk to your children: Have open and honest conversations with your children. Explain your health condition and the challenges you're facing. Encourage them to express their feelings and concerns as well.
Consider professional help:

Couples therapy: If you and your wife are willing, couples therapy can help you improve communication, address resentments, and work towards a more positive relationship.
Family therapy: Family therapy can help all of you communicate more effectively, understand each other's needs, and develop healthier family dynamics.
Take care of yourself:

Prioritize your health: Manage your kidney disease properly by following your doctor's instructions.
Engage in self-care: Make time for activities you enjoy, such as exercise, hobbies, or spending time in nature. Taking care of yourself physically and mentally is crucial during this challenging time.
Explore legal options: If the situation is not improving, consider seeking legal advice to understand your rights and options regarding visitation with your children or separation from your wife.
Remember, you are not alone in this. There are people and resources available to help you through this difficult time. Don't hesitate to reach out for support and take care of yourself both physically and emotionally.

Here are some additional resources that may be helpful:

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7281 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 18, 2024

Money
I am 49 years old working in private sector. Currently, drawing Rs. 1.50 lakhs per month, my investment details. - Lumpsum investment – canara robeco midcap regular – Rs.2 lakhs, union multicap fund –Rs.1 lakh, mahindra Manulife small cap rs.2 lakh; canara robeco multi cap Rs.2.20 lakhs; mahindra Manulife business cycle fund – Rs. 50,000; white oak capital large & mid cap fund – Rs. 100,000; ICICI prudential energy opportunities fund – rs. 100,000 - SIP – HDFC Defence fund – Rs. 10,000; mahindra manulife manufacturing fund – Rs.10000; white oak special opportunities fund 10,000 - FD with HDFC bank – rs. 12,00,000 - LIC – Rs. 10 lakhs My future expenditure, daughters marriage in 3 to 4 years and to purchase house in chennai and to save money for retirement. Please give me advice on how to invest so that I can meet my future demands and have a self-sufficient retirement.
Ans: Assessment of Current Investments
Mutual Funds

Your portfolio has a good mix of midcap, multicap, small-cap, and sectoral funds.
Diversification across different fund categories is appreciable.
However, the allocation to thematic and sectoral funds like defence, manufacturing, and energy is high.
Sectoral funds can be volatile and risky, especially for near-term goals.
Fixed Deposit (FD)

Rs. 12 lakh in FD provides stability and liquidity.
FDs are suitable for short-term needs but offer limited growth potential.
LIC Policy

The LIC policy provides Rs. 10 lakh, likely covering insurance and investment.
Such policies usually yield lower returns than mutual funds.
Future Financial Goals
Daughter’s Marriage (3–4 years)

Allocate funds with a low-risk profile for this goal.
Avoid high exposure to equity for this purpose.
House Purchase in Chennai

Save in instruments that offer both safety and moderate returns.
Flexibility and liquidity are important for this goal.
Retirement Corpus

Focus on long-term equity investments for growth.
Diversify to balance returns and risk.
Proposed Investment Strategy
Short-Term Goals (Daughter’s Marriage and House Purchase)
Utilise Fixed Deposits Wisely

Allocate a portion of your FD for your daughter’s marriage.
Retain some FD for emergency purposes only.
Invest in Debt Mutual Funds

Choose high-quality short-duration or dynamic bond funds.
Debt funds can provide better post-tax returns than FDs.
Keep the money safe and accessible for short-term use.
Avoid Sectoral and Thematic Funds

Shift sectoral fund investments to safer debt-oriented funds.
Sectoral funds are not suitable for short-term goals.
Medium- to Long-Term Goal (Retirement Planning)
Increase SIP in Diversified Equity Funds

Diversify into flexicap, multicap, or large-cap funds.
These funds balance risk and growth for long-term wealth creation.
Reduce Thematic Fund Allocation

Limit exposure to thematic funds to less than 10% of the portfolio.
Reallocate to well-diversified equity funds.
Invest in Hybrid Funds

Include balanced advantage or hybrid equity funds.
These funds reduce volatility while offering equity-like returns.
Consider Equity-Linked Savings Scheme (ELSS)

Invest in ELSS for tax-saving benefits under Section 80C.
ELSS funds also offer long-term growth.
General Recommendations
Review Insurance Policy

Assess if the LIC policy offers adequate life coverage.
If it is a traditional endowment or ULIP, consider surrendering.
Reallocate proceeds to mutual funds for better returns.
Maintain Emergency Fund

Keep 6–12 months’ expenses in a savings account or liquid funds.
This ensures you have liquidity for unforeseen expenses.
Monitor and Rebalance Portfolio

Review your portfolio quarterly or semi-annually.
Rebalance to maintain alignment with your goals.
Focus on Tax Efficiency

Use tax-efficient instruments like ELSS, debt funds, and retirement-focused funds.
Plan withdrawals strategically to reduce tax impact on capital gains.
Retirement Planning Recommendations
Systematic Withdrawal Plan (SWP)

In the future, use SWP from mutual funds for retirement income.
It provides tax efficiency compared to traditional annuities.
Healthcare Planning

Ensure your health insurance coverage is adequate for post-retirement needs.
Increase coverage if necessary to avoid financial strain later.
Invest in Equity for Growth

Continue investing in equities for long-term wealth appreciation.
Equity helps combat inflation effectively over the years.
Final Insights
Your investment portfolio is commendable and diversified. However, some adjustments can improve alignment with your goals. Reduce sectoral exposure and shift towards safer instruments for short-term needs. For retirement, continue SIPs in diversified equity and hybrid funds. Regular monitoring and rebalancing will keep your financial plan on track. With these changes, you can achieve your goals while ensuring a comfortable and self-sufficient retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7281 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 18, 2024

Asked by Anonymous - Dec 12, 2024Hindi
Listen
Money
Can I utilise my money received by cancelling aggreement of one flat to repay the loan amount for the flat where I am residing?
Ans: Yes, you can use the money received from cancelling the agreement of one flat to repay the loan for the flat where you are residing. This can be a financially prudent decision, especially if the loan carries a high-interest rate. Here’s a detailed analysis to help you decide:

Benefits of Using the Money to Repay Your Loan
Interest Savings

Paying off your home loan early can save significant interest.
The earlier you repay, the more you save on interest due to the reducing balance method.
Debt-Free Living

Being debt-free reduces financial stress.
You free up cash flow that can be allocated to other financial goals.
Guaranteed Returns

Loan repayment offers guaranteed returns equivalent to the interest rate on your loan.
This is often better than the post-tax returns from other investments.
Enhanced Creditworthiness

Paying off a loan improves your credit score.
This is beneficial if you plan to borrow in the future for any purpose.
Factors to Consider Before Repaying the Loan
Prepayment Penalty

Check if your lender imposes a penalty for early repayment.
Most lenders, however, do not charge penalties on floating-rate loans.
Emergency Fund

Ensure you have an adequate emergency fund before using the money to repay the loan.
Ideally, keep 6-12 months of expenses in a savings account or liquid funds.
Opportunity Cost

Compare the potential returns from investing the money against the savings from loan repayment.
If your loan interest rate is lower than potential investment returns, consider investing instead.
Tax Benefits

Home loan interest payments qualify for tax benefits under Section 24(b) of the Income Tax Act.
Principal repayments are eligible under Section 80C.
If you repay the loan, you forgo these benefits, so weigh the impact on your tax planning.
Alternative Approaches
Partial Repayment

Consider making a partial repayment instead of fully paying off the loan.
This reduces the principal while keeping some funds liquid for other opportunities.
Invest for Higher Returns

If your loan interest rate is low, explore investing in mutual funds or other instruments.
Over time, these investments could potentially offer better post-tax returns.
Settle High-Cost Loans First

If you have any other high-interest loans, prioritise repaying those.
Examples include personal loans or credit card debts.
Final Insights
Repaying your home loan with the money from the cancelled flat agreement is a sound decision if your goal is to reduce debt and save on interest. However, consider your overall financial situation, including tax benefits, liquidity needs, and potential investment opportunities. A balanced approach—partly repaying the loan and investing the remaining amount—could offer the best of both worlds. Consulting a Certified Financial Planner can help you tailor the decision to your specific goals and circumstances.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Rajesh Kumar

Rajesh Kumar Singh  |15 Answers  |Ask -

IIT-JEE, GATE Expert - Answered on Dec 18, 2024

Harsh

Harsh Bharwani  |64 Answers  |Ask -

Entrepreneurship Expert - Answered on Dec 18, 2024

Listen
Career
I'm a Chartered accountant .. recently qualified .I'm interested in start up company with intention of book keeping services .software .pls give me some piece of idea regarding how to begin my book keeping services software ..
Ans: Starting a bookkeeping service powered by your own software is a great way to leverage your skills as a recently qualified chartered accountant. With the growing demand for streamlined accounting solutions, your idea has a lot of potentials. Here's how you can get started effectively:

Understand the market and identify your niche:- You have to start by researching the market to identify the specific needs of small & medium-sized businesses. Because many businesses are struggling with manual accounting or find existing software too complex or expensive. Focus on building a solution that is simple, affordable and addresses their pain points, such as automating invoices, tracking expenses and generating tax reports.

Develop or customize software:- Decide whether to build your software from scratch with the help of a development team or customize an existing platform like QuickBooks or Zoho Books to create a unique product. But make sure your software includes essential features like cloud access, real-time financial tracking, automated reminders, payroll management, and integration with banking systems. Prioritize an intuitive interface so that even non-accountants can use it easily.

Provide flexible and scalable solutions:- Start structuring your services with flexible pricing models, such as tiered subscription plans based on business size and its features. With Offers add-ons such as tax filing assistance, compliance consulting, or financial planning to differentiate yourself from other competitors. A free trial or discounted onboarding package can attract new customers and build trust to convert the audience into customers.

Build a strong brand and online presence:- Start your service as a reliable, tech-enabled bookkeeping solution by emphasizing your credentials as a chartered accountant. You Have to create a professional website with client testimonials, feature highlights and demo videos of your software. Use social media and content marketing to showcase the benefits of your services, such as cost savings, error reduction compliance accuracy and many more. Networking with local businesses and participating in professional forums can also help increase your visibility in the market.

Stay up to date and constantly improve:- Accounting laws and technology are evolving quickly, so keep your software updated with new versions to meet regulatory requirements after getting client feedback. Introduce AI-powered features like predictive analytics or fraud detection to stay ahead of competitors. Engage with your clients regularly to understand their challenges and improve your offerings.

By combining your expertise in accounting with cutting-edge technology, you can create a reliable and scalable bookkeeping solution that not only supports businesses but also establishes you as a leader in this field. Start small, focus on client needs, and let your service grow along with your reputation.

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x