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Anu

Anu Krishna  |1162 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 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
Sunil Question by Sunil on Jun 04, 2024Hindi
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Relationship

Hi Madam, I am married (arrange marriage) for 10 years with a son of 8 years, I am middle class person and giving Home loan EMI also, because of which no money is saved. My problem is that my wife always demands money and fights for it. She is all aware of my income and expenditures of every month (I have prepared a list and shares with her). I have no habits of alcohol or smoking, but she always fights with me that I spends money on my bad habits and on friends. She always say that you don't take me outside , don't spend on me and blah blah...(I do take her to movies and wherever she wants to go with me or with her friends). She is very short tempered that I avoids talking to her but she finds a chance for fight. For her demands, I left my parental flat and mother and lived with her in a rented house for 5 years and now purchased an independent home also. But, I am fed up of her demands and fights. She even fights when our son is around and even comes near my body as if she wants to hurt me....(although we never had a physical fight). I am very afraid. For your information, she also works as a teacher in a private nursery school (pays half of our home loan EMI) and she is from village background. My father expired long back and mother is living with my younger brother. I even don't meet my close friends frequently (once or twice in a month) because of her fear, as when I meet them she fights on this issue also. I want peace in my life. Kindly help.

Ans: Dear Sunil,
This needs a bit more of finding out what exactly is going on? What is the root cause of anger and the blame game with your wife?
Whatever I suggest will just be a BAND-AID solution and things will flare up yet again. There is deep-seated anger and insecurities rising (from what I understand from you.
The only thing I can say is; spend time with her on an emotional level and maybe this will ease her emotional highs and lows. But, I do feel it is time to have an intervention where as a Couple you are given to tools to work on your relationship.
Do see an expert who specializes in marriage therapy/counseling. They will be able to guide you in a very structured fashion as to how to re-start and re-build your marriage.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/
Asked on - Jun 06, 2024 | Answered on Jun 06, 2024
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Thanks for your suggestions, My reply for your suggestions are as follows: 1. Spend time with her on emotional level: I would like to inform you that except my office hours, I am only with her. At home or outside, she is always with me (she has separate vehicle, but waits for me to come from office to do daily home chores, like bringing veggies, grocery etc. As per her these are my duties). She likes to go for Movies, Natak, Shopping, I takes her for those things as per my pocket capabilities, even I never stopped her from meeting her friends or meeting her parents. She likes my company when I do things as per her demands, but she is so short tempered that even at my simple mistakes she fights vigorously. Earlier, she used to fight with my mother also (who is a cancer patient and not in a good health-my father expired 10 years back). That's why, I left my parental flat. Spending time with her is not a solution as when we spends time together as per her likes she behaves very good, but she comes to her original avatar in no time if her demands are not being met. 2. See an expert who specializes in marriage therapy/counselling: As I informed you, I am already burdened with my Home loan and other expenditures and can't afford to pay a therapist as they charge very high and moreover she will never be agree to come to a marriage therapist (this may even come as a new issue for her to fight and she can make allegations that I want to break marriage and I don't have trust on her etc.... etc.....). Only one thing coming in my mind is that to call her parents and take a meeting along with my mother and elder relatives and explain her behaviour to her parents and relatives, if that doesn't work, my close friend, who is a lawyer had already advised to give her a Notice-but that will be my final wayout. Kindly suggest what is better.
Ans: Dear Sunil,
You seem to have already given up.
I cannot tell you what to do or not but only make suggestions that can guide you. It is up to you to decide if you wish to take those suggestions and make an attempt OR go as per what you have decided.
If you are looking at me agreeing with your decisions that damage relationships, it is not on ethical terms here.
So, if you are willing to see a therapist who can fit your budget, I will still say, do that. Else involve a senior family member who can mediate between you and your wife.
If you have decided that all this will not work, then it won't...The choice is yours...

To break relationships, takes a second...to build it all over again can take a lifetime....

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  |1162 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 29, 2021

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Dear Anu, I am married for 18 years. Have two kids, son (17) and daughter (9). My problem is that though I am in a regular job at a PSU, my wife thinks that I don't earn much. She thinks so much and get stressed which in turn gets in explosive and when it burst I cannot control myself and I get physical (manhandle) her. Due to this all fault becomes my fault and I have to apologise to her for behaviour. Apart from this she is having some kind of problem which she keeps fuming at me or anyone for that matter for anything. When I get irritated by such things she refuses that she didn't even said so. If said so, I understood it in wrong sense. I think I am having too many problems which I cannot explain here. Sometimes I think of going to psychiatrist but don't wish to go because then I will be certified as mad and thereafter all fault and problems will be due to me. If I ask her to go to psychiatrist she won't agree either. Please help how to deal such situation in this stage of life. I love her so much so there is no question of separating from her. Please feel free to ask me anything you require for giving me a response.
Ans: Dear AKB, why does money ever come into a marriage; I wonder!

Well, we do need money to keep the family running, right?

Somehow, external happenings of someone earning more can get into the marriage cropping up as comparisons.

What started as a mere seed of comparison, slowly starts to become a huge tree with fruits of poison robbing even the small successes that you might have had.

Even that seems never enough leaving you with a feeling of inadequacy.

This affects marriage compatibility and comes out as anger, sadness, violent outburst, finger pointing which is evident in your marriage.

At the same time, I am sure your wife does not really intend to hurt you with these behavioural displays.

And that’s why externalising the situation to be your fault arises and she does not want to think that her perceptions are what are causing the situation.

Either you sit her down and bring her down to facts of the matter that this is how life is going to be and this is the money is what you can bring.

If it’s still an issue and she has a hard time accepting this reality, involve an elder member from her family to communicate with her.

Show her the mirror as to how her wants are unequal to what money is coming in and how this regular chatter might be affecting the children as well.

If anyone needs professional intervention, it’s both of you going to a therapist and not a psychiatrist.

The expert can help out things into perspective where both of you can rebuild your relationship with renewed mind spaces.

Happy rebuilding!

..Read more

Anu

Anu Krishna  |1162 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 07, 2022

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Relationship
Hi, I am 48 years old living in Bangalore. When my parents were alive I had the best life. But my life changed after I got married. My first marriage lasted 8 years without children. She left me. I was devastated. During this time my dad expired. I took back my life and for my mom I remarried. It's has been 12 years now. But I always wonder why I am alive.I am staying with my wife in her house, using her things. But I have bought stuff for home.She made me sell my car and give her money. She bought a car.We have a son whom I love a lot .She fights with me every day even through calls. I used to have a good business. I could not concentrate so had to shut it down.I am working but cannot stick around in one place as my personal life has gone for a toss.I am giving 95% of my salary to her still she asks me to get things. When I ask her for something she gets violent.She is working too and doing good.My life is hell. She hits me and is abusive too.
Ans:

Dear P,

It’s sad that you are a victim of circumstances, but your second marriage probably was meant to be a failure right from Day One.

When you marry for someone else’s sake, how are you going to be committed to your partner? Marriage is about two people in love creating a bonding through trust and working at it.

It doesn’t seem like you entered marriage realizing or honouring this.

And possibly your wife also does not want to be in this marriage and finds harassing you a pastime.

Why are the two still in the marriage?

If both of you cannot see eye to eye or do not want to work your differences, then it’s just going to be a journey filled with abuses and more bad memories.

Make sure you take care of your child’s welfare before you take any major steps. Either put your marriage back on track or look at options.

It’s your peace of mind that counts and how all this is impacting the child. So the ranting has to end and action towards what is possible must be taken.

All the best!

..Read more

Anu

Anu Krishna  |1162 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 27, 2022

Relationship
Hi AnuAt the outset, thank you very much for your time to listen to my situation.I am 50 years old, married to my lover (46 years now) and blessed with two daughters. My wife comes from an upper caste with a poor background. She was my subordinate and got married in 2001 after dating her for more than 18 months.Immediately after marriage, I lost my job due to my mismanagement of responsibility with no criminal action. I suffered for six months and relocated to overseas and lived there for the past 19 years.With my hard work and commitment, my financial situation has improved considerably now. However, my wife's attitude has consistently changed in line with my financial growth. She strongly believes that because of her luck and my daughter’s luck only I was able to earn that much and live comfortably. With my severe official commitments, I did not mind her attitude that much. After the lockdown, I got the opportunity to understand the change and realised that she has constantly ill-treated me over the past 10 years. Also, I lost my parents a few years ago and my father gave his self-earned property worth a few crores to my elder brother and left nothing to me. At the same time, my wife got her ancestor property worth a few lakhs. This incident psychologically weakened me as she consistently abuses me saying she got a few lakhs worth of property whereas I got nothing from my parents. Now, for the last two years, she is not allowing me to perform my parents’ annual death ceremony rituals. She consistently uses bad words against my (departed) parents and makes most negative comments for the donations I made so far and terms me as an Idiot and useless person. She also criticises me in front of my friends and relatives.Her harassment gone to the extent of pushing me to commit suicide and for the sake of my daughter’s welfare, I managed to come out of that mindset on my own. Now, I am determined to live…. at the same time unable to absorb my wife’s harassment. I tried to explain to her in many ways and even begged her many times to stop ill-treating me. Instead, she is asking me how I am able to tolerate despite her ill-treatment for the past few years….Our physical relationship got disconnected for the past five years as she lists out silly reasons for avoiding me. She is refusing to come along with me to meet a psychologist. Also, she disconnected her long-term friends and created a new circle of friends in order to erase her past and maintain a high social image.From your expertise, kindly advise me on how to handle this situation which will be of highest support for me as I am having sleepless nights for the past 2 years.Kindly do not publish my name and request you to keep it anonymous.
Ans:

Dear S,

It’s obvious that there is something that your wife is upset about or missing and you have been blindsided by it.

It could be lack of love, attention or simply family’s worth that she might feel from money situation.

It needs a discussion but from your letter/e-mail, it doesn’t seem like she is interested in it.

What I don’t have information here is in the 19 years that you were out of the country, was she also with you?

This is vital information as things might have gone South while you were away.

Even if she did accompany you, maybe the mismanagement of responsibility situation that you mentioned was something that had thrown her off gear and insecure.

This vital information is missing for me to guide you even more effectively, but I can surely help you navigate with what is.

Yes, it needs a counsellor or a marriage therapist.

Nothing justifies talking ill about family members but when the mind is awry and unsettled, it does not think rationally which is why she is possibly displacing some anger or lack of affection or lack of something that is manifesting itself in different ways.

Ask yourself:

  • Where am I if I continue in the marriage?
  • Where am I if I don’t continue in the marriage?

This reality check will act as a compass to the next steps of action.

As a coach, it’s always nice to see a relationship work but reality might say something else.

So, be true to your thoughts and feelings, set aside any feelings of spite towards your wife and see things for what they are and move forward.

All the best!

..Read more

Kanchan

Kanchan Rai  |331 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 06, 2024

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Relationship
I have been married for 23 years and father of 3 children. My age gap with my wife is 11 yrs. I have been helping my in-laws for the last 13 years financially every month and also additional medical costs. I am a single breadwinner and i earn a good income but unable to save much as my wife dont have any economic sense. secondly, she is a highly depressed woman and always threatens me of suicide or shall leave home scaring my children who are around 16 yrs of age and disturbing their studies. even a small counter point she will take it seriously and shout at me for a very long and will make all sorts of threats. I am fed up with this type of relationship with her and I am helpless as my children have another 5 yrs to go to reach adulthood. She spends too much not on luxuries but unnecessary expenses and social costs like gifts to friends and relatives and spends a lot of time for temple or pooja activities with addtional expenses.
Ans: Dear KKR
It's evident that you're dealing with a significant amount of stress and emotional strain due to your wife's behavior and financial situation. It's important to establish clear boundaries in your relationship with your wife. Communicate your concerns about her behavior and the impact it's having on you and your children. Let her know that threatening suicide or leaving home is not a healthy or productive way to resolve conflicts, and express your willingness to support her in seeking help and finding healthier ways to cope Consider sitting down with your wife to have an open and honest conversation about your financial situation and the importance of budgeting and saving for the future. Explore ways to track expenses, prioritize needs over wants, and work together to set financial goals that align with your family's long-term objectives. Consider consulting with a legal or financial advisor to explore options for protecting your assets and securing your financial future, especially if you're concerned about your wife's spending habits and the impact it may have on your financial stability. It's important to remember that you're not alone in dealing with these challenges, and there are resources and support available to help you navigate this difficult time. Reach out to trusted friends, family members, or professionals for guidance and support, and prioritize your own well-being and the well-being of your children as you work towards finding solutions to your current situation.

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Anu

Anu Krishna  |1162 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 27, 2024

Asked by Anonymous - Jul 27, 2024Hindi
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Relationship
Hi Anu, I am married for 3 years and having 1 year baby boy. My marriage was fixed at matrimony site. After registration my wife used to tell me that she will spent most of her time at her home with her father and mother which is only 5 km within my home. After marriage she used to stay at her father's house almost 9 months in a year and only 2-3 months intermittent break she used to visit my house. She used to made me buy expensive washing machine and other house hold items inspite of having one already there, keep Cooking maid etc. When most of the time she is not staying with me I feel these are all my money wastage. Now she is forcing me to keep all time maid. My salary is only 50k , how can I manage all these expenses and her demand and even after meeting all these she is not staying with me and used to spent all the time at her father's flat. When I say to stay with me she used to give lot of excuses, She and both her parents had visited multiple times in my house before marriage and well aware that my kitchen setup is at first floor and not on second floor and other house hold arrangement. She used to take my baby boy with her for long period of time like 5-6 months and then come for 2-3 weeks and then again went away. We feel we are going distant apart and thinking to drag her and family in Magistrate court to seek right to conjugal life and her directly in court whether she would like to stay with me in my house or at father's place. Needless to say I used to bear all her expenses even she is staying at her father's house and I am staying alone and leading batchelor life. Please suggest.
Ans: Dear Anonymous,
Clearly your wife and her parents have not understood that marriage means staying together under the same roof as a couple and going through the highs and lows that come along the way.
If your wife intends to come to live in your home like it's a PG, then ask her to bear half the cost of all that is being bought. Maybe then that will drive sense inside of her.
On the other hand, what is the reason that she is so unwilling to stay longer periods with you? Have you tried to ask her this? I can only suggest:
- ask a two elder family members from both sides to step in and intervene
- go for couples therapy which will help both of you focus on the marriage as husband and wife

This can be a start point and then you can evaluate based on how things turn out...

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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Ramalingam

Ramalingam Kalirajan  |6334 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 19, 2024

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I have ~40L in my portfolio and all my MF`s are Regular funds since I have been investing thru ICICIDirect. Now I want to start investing into Direct funds since I realize that Direct funds have lower Expense ratio. So I want to invest thru MFcentral or Zeroda. Now, my quesiton is: Is it a good idea to cancel my existing MF`s (not redeeming) in ICICIDirect and start new direct SIP`s ? Will I be loosing compounding effect of my existing regular MF`s? I dont want to redeem the SIP`s since it will incurr large LTCG taxes
Ans: It may seem tempting to switch to Direct Funds for the lower expense ratio, but there are key factors to consider before making the switch.

Here are a few points in favor of continuing with Regular Funds through a Certified Financial Planner (CFP) or a professional Mutual Fund Distributor (MFD):

Value of Professional Advice
A professional MFD or CFP adds value by offering timely advice, portfolio reviews, and strategic changes based on market conditions and your financial goals. They help you stay focused on long-term plans and avoid emotional decisions.

Platforms like MF Central or Zerodha do not offer personalized advice. You’re left managing the complexities of your portfolio alone, which can be overwhelming and risky, especially during volatile markets.

Disadvantages of Direct Platforms
MF Central and Zerodha are DIY (Do-It-Yourself) platforms. While the lower expense ratio seems appealing, managing the portfolio on your own requires time, expertise, and market insight. Any wrong move could cost you more than you save in expense ratio.

MF Central is not user-friendly and does not offer real-time support for managing SIPs, rebalancing, or tracking your overall portfolio’s health.

Zerodha is a trading platform, but it doesn’t come with personalized advice. It lacks the long-term relationship benefits that an MFD or CFP provides, including goal-based planning and tax-efficient strategies.

Compounding Effect & Tax Implications
Cancelling your existing SIPs and switching to direct funds will not directly affect the compounding of your current investments. However, starting new SIPs in Direct Plans could lead to a disjointed investment strategy. You may also lose out on expert guidance that helps optimize the compounding effect through proper fund selection and market timing.

Switching to direct funds might seem cost-effective in the short run but could result in higher LTCG (Long Term Capital Gains) taxes if you later decide to rebalance your portfolio on your own without professional help.

Avoid Disruption
Switching platforms might disrupt your current portfolio management process like consolidated reports and capital gains tracking, which helps during tax filings. On DIY platforms, you will have to manage all of this yourself.

If you are not satisfied with ICICIDirect's services, you can always switch to another professional MFD or Certified Financial Planner (CFP). A good MFD will still provide the benefits of seamless portfolio management, including consolidated reports, capital gains tracking, and regular reviews, which are critical during tax filings and for keeping your investments aligned with your goals.

Final Thought
Instead of switching to direct plans, continue with Regular Plans through a professional MFD or CFP. The personalized advice you receive will often outweigh the slight difference in expense ratio. Regular reviews, goal setting, and rebalancing help ensure your portfolio remains aligned with your long-term objectives.

Making hasty decisions based on expense ratio alone can lead to missed opportunities and higher risks in the long run.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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