Hi Ma'am . Just to ask that if both husband and wife are working and earning equally.Should they also contribute equally in expenses

Ans: Dear Trilok,

An open discussion might help in your case. I am sure you have tried explaining your grievances to your wife, but try it one more time. But instead of making your statements like, "your actions make me so frustrated," try to make her your ally with I statements, for instance, "I feel so frustrated because of everything that's going on; I really need you in my corner." What this does is tickles the other person's ego by making them feel needed; it just might do the trick.

Express your thoughts politely, without ever losing control of your tongue, and make your wife understand that you are partners and equals, hence both are responsible for the wellbeing of your family, not just you alone.

Best Wishes!

Ans: Hello Dinesh,

Yes, you and your spouse can certainly divide the Mediclaim insurance premium of Rs 75,000 between yourselves. This is a common practice and is perfectly acceptable. It allows both of you to claim tax benefits under Section 80D of the Income Tax Act.

Just to give you a bit more context, under Section 80D, you can claim a deduction for health insurance premiums paid. This includes the premium for your Mediclaim policy. The maximum amount you can claim is Rs 25,000 each, which means together as a couple, you can claim up to Rs 50,000.

However, if either of you is a senior citizen (60 years or older), the maximum deduction amount increases to Rs 50,000. So, if one of you is a senior citizen, the total deduction you can claim as a couple goes up to Rs 75,000.

Please remember to keep all your insurance premium receipts as you might need them while filing your tax returns. Also, it's always a good idea to consult with a tax advisor or chartered accountant to understand the nuances of these deductions.

I hope this helps!

Ans: If a spouse is owner of property and 100% contribution is given by spouse; she can charge REASONABLE rent to spouse and she is required to offer the same in ITR. Further, exemption for rent paid can be claimed if HRA is part of Salary and PAN of spouse is given to employer (in case of rent is more than 1 lac).

If you are not receiving HRA but paying rent, person can still get a tax deduction u/s 80GG of the Income Tax Act. The maximum deduction is Rs 60,000 p.a.

Ans: Dear Anonymous,
Are you wrong to be upset?
NO and YES...
NO; as you feel wronged that you are the one spending on enjoyment, so where does he spend 12K?
YES; as you have not conveyed it to him or the two of you have not spoken about it earlier. Have you discussed that he must save the 12K?
So, the key to any solid marriage is COMMUNICATION...Communicating your needs, wants, desires, values and aligning them to make the marriage work looking at the larger picture.

Simply have a frank conversation. For all you know, he may just understand where you are coming from; BUT if he wants to spend SOME OF his hard earned money on himself his way, kindly let it be. It's the pride of a man to be able to earn and spend without asking for anyone's permission. Do respect that...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
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