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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 05, 2022

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
LK Question by LK on May 05, 2022Hindi
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Relationship

I have been married for more than 4 years now. But till date my husband never speaks over the phone in front of me. He always goes out of the house or moves farther away when we are out some shopping or anything like that.
He has two mobiles and never shares his mobile unlock pin or pattern. Whenever he goes out to talk over phone, I feel stressed. He doesn't even talk to his parents or sister in front of me or when I'm near or around him.
Whenever I try to talk to him about this issue, he yells at me asking why is it a problem for me if he talks over the phone?
It always ends up in an argument or fight.

How do I handle this issue? Please suggest.
Thanks and regards

Ans:

Dear LK,
Some people are absolutely finicky when it comes to their privacy.

They love protecting and guarding their space and allow no one into it.

I am sure this causes you to think that there might be more to it and that’s why it has begun to bother you.

If you have been complaining about this, he mostly likely will retract and become defensive and not even offer an explanation to it.

Instead have you tried, being softer, yet assertive in a way that you make him realise that it bothers you. Also, an assurance that you are not out to stalk him or spy on his movements but give him that space where he can be free around you.

It might take time for him to release the old behaviour and form a new one, and you can simply support that change by reiterating that you are part of his journey and that it is okay for him to take a call with you and that you will not judge him for anything.

If he still doesn’t want to, I think you might consider respecting his privacy unless there is reason for you not to.
All the best!

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Anu Krishna  |839 Answers  |Ask -

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

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 I have been married for 9 years now with 3 kids. But my husband negates everything I say to him thinking I want to hurt him. When he says something and I try to see it the other way, he sees it as confrontational and also flares up during the conversation. He does not allow me to talk saying he already knows what is in mind. He complaints about everything in the house. In terms of sex, he does not want to know if I am tired or sick.Even though we usually make love at least two times in a week, he talks as if he is denied of his rights. He says any time he wants, he must have it. The main issue now is I’ve noticed he has locked his phone. I know he has a date with someone because he told me he has a concert to attend and won't be coming home that night. When I asked if I could go with him, he said No. Now that I have also locked my phone, he's accusing me of infidelity.
Ans:

Dear RT,

He’s playing the cool guy who wants it all and when doesn’t get it wants to act all hurt and instead of taking responsibility of his emotions finds it convenient to blame you and make you feel guilty for not fulfilling his emotional and physical needs.

How do you solve something like this? Kindly ask him to speak to someone who can make him see sense else all you will do is clean up the mess caused by his baseless emotions.

This will be the constant pattern until he realises that his self-esteem and self-worth are not something that others can create for him.

If he refuses external help, do ask a person close to him to drive some sense into his thoughts where he sees an alternate perspective.

To keep your sanity intact, dissociate from his emotions and start behaving like they don’t impact you; over time you will realise that he is just trying to be a child asking for your attention in an inappropriate way.

Take time our for yourself to indulge in a lot of self-care and self-love that will go a long way in managing your emotions and self-worth as well.

Depending on him for your sanity at this point in time is like hitting your head against the wall.

So, be right to yourself from this moment on and make sure that you spend a lot of time nurturing the children as much as you nurture yourself.

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2022

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Hello... I have been in a relationship since 10 years, not yet married.My boyfriend is okay in all ways. But there is something that's bothering me a lot. Whenever he is with his friends or family I just get angry and scold him whatever I like. I don't like if he talks very close to his friends (male friends) or family. He is trying his best to keep me happy, but I'm feeling insecure when he is with his friends and family.To be honest even if he gives more importance and value to his family that makes me feel more angry.I'm unable take this anymore.After fights even I think why did I did like this, what's wrong with me?I question myself after a fight. I even think that I won't be doing this next time because even friends and family are important but it's doesn't work and he is fed up with me.Whenever he is with friends or his family, I create something that's not true.End of the day I'm crying, I'm loosing my happiness.Waiting for an answer
Ans:

Dear PS,

What are you worried about? That by spending time away from you or not involving you when he is in a social setting, he might forget you or move away from you?

After 10 years, why do you feel the need to cling on to him in insecurity and anxiety?

Time to give yourself some love and attention?

Become your best friend and pamper yourself with a lot of care instead of constantly expecting it from your relationship?

The more you become safe and secure with yourself, the less you will cling onto your partner.

Clinging on and ‘owning’ another person will only make them move away from you as no one likes to be controlled and dictated to.

Instead, why don’t you ask him about his day and who he met up with and genuinely try and integrate into his life?

In this way, he will want to engage more with you and invite you when he is with his friends and family?

When you watch him interact with others, instead of feeling insecure and jealous, can you think of appreciating what he has brought into your life and why the two of you have been together for 10 years?

Also, involve him into your life and life’s journey.

Playing the victim involves a lot of drama, but playing a liberated person involves no effort.

So love yourself and love your partner for who he is.

The change in your relationship and your state of mind will be almost magical.

Enjoy the moment and be happy!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 14, 2021

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Anu Mam, in your video you mentioned about healthy communication. I have tried many times to initiate communication with my husband but he is very biased. He shuts me down immediately in front of his parents and friends. It’s very embarrassing when he does that in front of people we know. He likes to dominate and make fun of me which everyone else seems to enjoy but I don’t. If I tell him that he feels I am being a spoilsport. He says I have put on weight and look fat after marriage and I don’t have a job that’s why I am getting all these negative thoughts. My mother in law also never supports me. She doesn’t tell if her son does something wrong. If I make one mistake she will blow it out of proportion and discuss in front of everyone. That becomes another topic for argument. All this is making me very annoyed and affecting our marriage now. We don’t have a child yet but we are already fighting every day. Please help. I just want to start a happy relationship. But I don’t know how to do it.
Ans: Dear SK, commenting on your body image honestly is no one’s business and by no one I also mean your husband.

He absolutely has no right to body shame you and make it a topic of jest.

The nest time, he calls you a spoilsport, please feel free to comment on his looks, his accent, his performance behind close doors and watch what his reaction is.

Sadly, his male ego will be hurt; at least it will give him an idea as to what he has been you through.

Communication as I mention must be firm and assertive; it must convey exactly what you want rather than what you don’t want.

And as far as it goes for you in-laws, ignore their childish behaviour towards you…honestly you cannot control anyone’s thoughts or actions and they are free to do as they please. But what gives them fuel is that you are provoked and hurt.

Is it possible to be unaffected by what people say of you and about you?

Yes, when you own your body image and are unapologetic about it!

Your body, your way…as simple as that and anyone has a problem with that, then it’s their problem!

Be at a lot of peace and act wisely!

..Read more

Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Aug 25, 2022

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Relationship
Hello love guru. I wanted to know if I am wrong or right. As my husband has blocked me from phone by all means and do not even talk to me, so what should I do? I am working far from my Father in laws home where he stays with his brother (divorcee). He is not working and I am working and taking care of two daughters. Whenever he comes here, he fight a lot saying insane and sarcastic words to me. Since two and half months he stayed with us and left us (though he sometimes talk to my daughters only). I feel alone and nobody is there to support me or even talk to me for my emotional support. Now somebody has started talking to me and even I started, I really do not know what to do. Kindly guide. I told this to my husband also and he says whatever you wish you do.. I do not know why he says like this..He did not even tried to search a job where I am working, but when he went to inlaws there he started searching interestingly. If we do not talk then how  our relation will continue being husband. Also I found many times that he keep on searching call girls from his mobile phone search history and even his friends at inlaws told me that they saw girl accompanying him..but even I want to forget all these things as I found my daughters feel happy to talk to him..but what about my emotions and my physical needs..who will take care of if this keep on continued...as after marriage I found no happy-happy situations for me atleast..he says he lost all his jobs because of me..But all baseless objections...and blames me, harms me by beating also some times..I some times cry alone... but  this is not the life I expected after working so hard...I also used to pay him all money whatever he and whenever he demnaded.. I paid more than 10 lakhs of savings to him till date and did not even ever counted..he also stolen all gold from home without even asking me..I want to forgive him for all but when he is not interested in talking to me and just ignores me then how and why I should continue with him..just because he is my husband..or should I remarry to someone who is really willing to marry me...knowing all these things..or should I dont? As a mother of two daughters I sometimes think..that my only responsibility is to upbring my daughters...but then I also needs someone's emotional support...though economically independent..I also said to him to give me alimony as he does not pay anything to me and also file for divorce...as even I have a right to live happily...kab tak aise hi aansu bahau uske liye jisne mujhe block hi kar rakha hai from phone? I am confused please help me out!!
Ans: You have a husband who is an unemployed, good-for-nothing bum, who doesn't show you respect, steals from you, lives apart from you, likes to associate with call girls, blames you for his failures, beats you and doesn't care if you have an affair. He ‘talks to your daughters sometimes’. Honey, you need to be emailing a divorce lawyer, not this column. And do it immediately. Yes, you're more than just a mother and you do deserve emotional support. You should cut him loose immediately.   

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |1323 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - May 03, 2024Hindi
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Money
I am 41 year old. I have 1 cr in mutual fund. It’s been 7 years I started doing sip with 50000. Which I have increased With time now I have sip of 80000 per month. I need to know how much will have when I reach age 50. In my account
Ans: As you stand at the midpoint of your journey, it's natural to pause and ponder the fruits of your labor. Seven years ago, you embarked on a path of financial discipline, nurturing your wealth through systematic investments in mutual funds. With each passing month, you've diligently contributed to your SIP, nurturing your financial garden with care and foresight.

Magnitude of Investment:
Your commitment to growth shines through as you reflect on your journey. Starting with a SIP of Rs 50,000 per month and gradually increasing it to Rs 80,000 per month showcases your dedication to nurturing your financial future. Each increment, no matter how small, represents a step towards building a solid foundation for your later years.

The Power of Compound Interest:
As the years pass, the magic of compound interest works silently in the background, multiplying your investments manifold. With each SIP, you're not just investing money; you're investing in your dreams, your aspirations, and your future. The power of compounding rewards patience and consistency, amplifying the impact of your contributions over time.

Envisioning the Future:
As you cast your gaze towards the horizon, you can't help but wonder: what lies ahead? At age 50, where will your financial journey have led you? Will you find yourself basking in the glow of a well-nurtured nest egg, ready to embark on new adventures and pursue passions long deferred?

The Path Forward:
As a Certified Financial Planner, I invite you to envision your future with clarity and purpose. While I cannot predict the exact value of your investments at age 50 without specific calculations, I can offer guidance on how to nurture and safeguard your wealth as you continue along your journey.

Embracing Uncertainty:
Life is a tapestry woven with threads of uncertainty and possibility. While we cannot control every twist and turn along the way, we can arm ourselves with the tools and knowledge needed to navigate the unknown with confidence. As you journey towards age 50, remember that the true measure of wealth lies not just in monetary value but in the richness of experiences and the depth of relationships.

Conclusion:
As you stand at the crossroads of past and future, take a moment to appreciate how far you've come. Your journey is a testament to your resilience, your determination, and your unwavering commitment to financial well-being. As you continue along your path, may you find solace in the journey itself, knowing that every step forward brings you closer to the life you envision for yourself and your loved ones.

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Ramalingam

Ramalingam Kalirajan  |1323 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Money
Hi I am 37 years old and my Husband is 40 years old. Our annual salary in hand at our home is up to 20,64,000. My Yearly Saving is Rs 6 lakhs (mutual fund, LIC policy, Endowment plan, century plan, Post office schemes). My Expense like medical insurance, term insurance, car insurance is RS 50,000. My living expense per year is Rs 6,00,000. My loan is for Rs17,24,112 (including interests) for which I am paying every year up to Rs 4,31,000 till Feb'28. Also next year we have to purchase car because our car is getting expire. So up- to 14-15 lakh car we will purchase on loan. My child is currently in 6th grade and we both are working. So for happy life after retirement and save future, how much I need to save and in which plans. Please suggest. Till now beyond my savings written above I don't have bank balance which I can use as a emergency funds.
Ans: Navigating the complex landscape of finances, especially with looming expenses and future uncertainties, can feel like trying to solve a puzzle without all the pieces. It's a challenge many of us face, and it's understandable to seek guidance on charting a path towards financial security and peace of mind.

1. Current Financial Snapshot:
You and your husband are in your late 30s and early 40s, respectively, with a combined annual income of Rs 20,64,000. Here's a breakdown of your financial standing:

Income and Savings:
Annual savings of Rs 6 lakhs allocated towards various financial instruments such as mutual funds, insurance policies, and savings schemes.

Annual expenses totaling Rs 50,000 for essential insurances (medical, term, car) and Rs 6,00,000 for day-to-day living expenses.
Loan Obligations:

Existing loan of Rs 17,24,112, including interests, being paid annually up to Rs 4,31,000 until Feb'28.
Planning to purchase a new car next year, expected cost up to Rs 14-15 lakhs, which will likely require additional financing.

2. Planning for Retirement and Future Security:
With retirement on the horizon and the desire to secure your future, it's essential to map out a robust savings strategy:

Retirement Goals:
Discuss and define your retirement aspirations with your husband, envisioning your desired lifestyle and financial needs during retirement.

Savings Strategy:
Determine an ideal savings rate that balances current expenses with long-term goals, including retirement, your child's education, and potential healthcare costs.

Investment Mix:
Explore a diversified portfolio comprising mutual funds, insurance policies, and government-backed savings schemes, tailored to your risk tolerance and time horizon.

3. Addressing the Car Purchase:
The decision to replace your expiring car involves careful consideration, especially given your existing financial commitments:

Financial Implications:
Evaluate all options for financing the new car, considering potential down payments and minimizing loan burden to maintain financial flexibility.

Alternative Solutions:
Explore alternative transportation options or delaying the purchase until you've built more financial reserves to lessen the impact on your budget.

4. Building an Emergency Fund:
Establishing an emergency fund is crucial for weathering unexpected financial challenges:

Setting Savings Goals:
Determine specific savings goals for your emergency fund, considering factors like living expenses, loan obligations, and potential emergencies.

Automating Contributions:
Consider automating contributions to your emergency fund to make saving more manageable and ensure consistent progress towards your goal.

Conclusion:
While navigating the complexities of financial planning can be daunting, remember that you're not alone on this journey. By carefully managing your income, expenses, and savings, and seeking guidance from a Certified Financial Planner, you're taking proactive steps towards securing your future and achieving your long-term goals. Keep focusing on your priorities, stay adaptable to change, and trust in the process as you work towards financial freedom and peace of mind.

...Read more

Ramalingam

Ramalingam Kalirajan  |1323 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - May 03, 2024Hindi
Money
Iam 40yrs old with 1.6lakhs take home with house wife and 3 yr old baby girl. Below is my current financial condition: 1. Taken Home loan for 35 lakhs for apartment worth of 55lakhs in 2022 with emi requirement of 41k for 11yrs (iam paying monthly 45k and one extra 45k emi yearly) 2. Took Gold loan of 11lakhs in 2022(paying from mar2024 onwards monthly 35k) for apartment purpose 3. Holding 2440 sqft land costs 25lakhs in 2021 now it is 35lakhs planned for baby girl marriage 4. 5lakhs emergency fund in FD 5. 6 lakhs FD for SBI life smart wealthbuilder plan purpose for next 6yrly premium payment, 6. Equity 5lakhs invested now mkt value 8lakhs, 7. Mf 8lakhs now 11lakhs (monthly 20k for 10 different funds with 1k stepup yearly) 8. EPF 20lakhs not withdrawn from beginning for retirement plan 9. Ssy 1.2lakhs for baby girl education (monthly 6k) 10. Ppf 50k for baby girl education (monthly 3k) 11. Nps 4.9lakhs now 6lakhs (monthly 12k from company deduction and 50k annually from my side) 12. Holding agriculture land 1acre 7lakhs near hometown purchased in 2018 now it is same price no increase... Holding bcoz I like to have agriculture land... 13. Holding Gold coins 50gms purchasing when there is Amazon offers.. for baby girl ornaments purpose 14. Term insurance 1crore for me and 50lakhs for my wife purchased in 2022 15. Health insurance 20lakhs with premium 60k for 3yrs purchase in 2022... Monthly 1.6lakhs take home spending as below: 1. 45k home loan emi (annually 45k as one extra emi) 2. 30k mf sip ( 3k each for 10 funds - quant infra, quant smallcap, quant elss, 360 one focused, canara robeco smallcap, canara robeco emerging, mirae largecap, pgim flexicap, parag elss, ICICI prudential technology fund) 3. 35k gold loan prepayment 4. 35k home maintenance expenses 5. 10k ssy and ppf 6. 5k apartment maintenance 7. 45k LIc premium annual requirement 8. 40k term loan premium annual requirement taken 1crore for me and 50lakhs for my wife total to 40k premium 9. 30k annually for bike insurance, services and other maintenance 10. 1.3lakhs for baby girl school fees from this year 50% already paid 50% to be paid in oct 2024 11. 60k premium for health insurance once for 3 years purchased in 2022... I have few ask sir: 1. Want to buy 13 to 15Lakhs car.. when to buy with my financial condition and I have no down payment free cash now 2. Should I change my financial saving/investment please suggest as I am not having any free cashflow post the monthly commitment 3. Want to generate 2nd source of income suggest plz which is good to have it 4. Want to become financial freedom by next 10years so what I need to do for it and plan better. 5. Any changes in the current plan suggestion
Ans: It sounds like you're juggling a lot, but you've got a solid foundation laid out. It's admirable how you're balancing your responsibilities towards your family's present needs and future goals. Let's address your concerns and aspirations one by one.

1. Car Purchase Consideration:
You're eyeing a new car, a shiny symbol of comfort and convenience. However, before diving in, let's assess if it aligns with your current financial trajectory:

Timing and Need:
Do you have an immediate need for the car, or is it more of a desire?
Can you postpone the purchase until you've accumulated a down payment or have more breathing room in your budget?
2. Reviewing Savings and Investments:
Your portfolio is diverse, spanning various assets from real estate to mutual funds. Let's evaluate if each piece is still working optimally for you:

Portfolio Alignment:
Are all your investments aligned with your long-term goals and risk tolerance?
Can you streamline or consolidate any holdings to reduce costs or enhance performance?
3. Exploring Additional Income Streams:
You're eager to bolster your financial stability by exploring secondary income sources. Let's brainstorm some viable options:

Leveraging Skills and Passions:
What skills or hobbies do you possess that could be monetized?
Are there freelancing opportunities or consulting gigs in your field of expertise?
4. Planning for Financial Freedom:
Your aspiration to achieve financial independence within a decade is ambitious yet attainable. Let's outline a roadmap to realize this vision:

Defining Financial Freedom:
What does financial freedom mean to you personally?
Is it early retirement, pursuing passion projects, or having more flexibility in your lifestyle?
Strategic Steps:
How can you increase your savings rate to accelerate progress towards your goals?
Are there opportunities to optimize investments or explore alternative income streams?
5. Optimizing Current Financial Plan:
Let's explore potential adjustments to your existing financial strategy to enhance its effectiveness:

Reallocating Resources:
Can you reallocate funds towards higher-performing investments or areas with greater potential?
Are there opportunities to automate savings or investment contributions for greater consistency?
Conclusion:
Your commitment to securing your family's financial future is commendable. By carefully considering each aspect of your financial situation, from major purchases to investment strategies, you're laying a strong foundation for long-term success. Remember, financial planning is a journey, and with patience, diligence, and the guidance of a Certified Financial Planner, you're well-positioned to achieve the freedom and security you desire.

...Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 03, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Relationship
Hi ma’am My family is not accepting my boyfriend as he is not well settled and doesn’t have any savings. His parent are also divorced and father has a second marriage. The first children custody is still with parents however my boyfriend and his brother live with his mother. He is 5 year younger than me. My family is not accepting my relationship and showing me new proposals every day. To borrow some time i am just refusing the proposal my giving some excuses but now they know that i am still not out from him and waiting for him to get settled. Kindly let me know how can i convince my family to accept my relationship. My boyfriend is working day and night to get settled and have a good account balance. Please advise.
Ans: Dear Anonymous,
If your daughter came to you with the same situation, how would you advise her?
Would you not tell her your concern that she is actually choosing someone who may not be able to support her when she goes on maternity leave? Would you not tell her that coming from a broken family, she may have to take care of her boyfriend and possibly parent him on different occasions? Your parents are only concerned for you and are unable to tell you what they are worried about. Put yourself in their situation and tell me that you will not be worried.

At the same time, I do get your frustration. What you can do is to work on your parents' concerns and buy time till your boyfriend manages to settle down. And it seems like he is doing all that he can to be in their good books. And that's the only way you can get them to accept him. Wait patiently and don't put him under pressure. Instead be supportive and at the same time, you continue to work and be independent as well.

Never try to convince someone who does not want to be convinced but instead work on how they can accept him by addressing their concerns.

All the best!

...Read more

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