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Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 26, 2026

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Apr 26, 2026Hindi
Relationship

I miss privacy after marriage. I moved in to my husband's house after our marriage last year. But but adjusting to a joint family has been harder than I expected. There is always someone around so I have to dress appropriately. Relatives walk into our bedroom without knocking. Their rules are very different from ours. I have grown up with a lot of independence in what I wear, eat etc. Here, I have to cook at least one meal, sometimes for unexpected guests and compromise over what I eat. I moved in hoping to live with and love his family, but this lack of personal space and independence is making me irritable and anxious. Our thoughts and principles don't match. My husband has taken a huge loan to buy this house, so he will not agree to move out. How do I talk to my husband about how I feel trapped here?

Ans: What you’re experiencing feels overwhelming because it’s new to you, not because it is “wrong” in itself. In many joint families, things like shared spaces, open movement in the house, less privacy, and collective responsibilities are quite normal. People grow up with that system, so for them it doesn’t feel intrusive—it feels like family closeness.
At the same time, you come from a background where privacy, independence, and personal boundaries were natural, so the contrast feels like a loss. Both realities are valid. Neither is completely right or wrong—they are just different value systems.

This is also something that ideally should be discussed before marriage, but since it wasn’t, you are now learning and adjusting in real time—which is understandably difficult.

Now the goal is not to reject the joint family system or force yourself to accept everything silently. The goal is to find a middle ground where you can function without losing yourself.

When you talk to your husband, acknowledge his reality too. That will make him more open to hearing you. You can say something like:
“I understand this is how your family has always lived, and I respect that. But for me this is very new, and I’m struggling to adjust to the lack of personal space. I don’t want to disrespect anyone, but I also need some space to feel comfortable.”

This way, you are not attacking his family—you are explaining your adjustment challenge.

Also, instead of expecting a complete change, focus on small, realistic adjustments:
A basic level of privacy in your room (like knocking)
Some flexibility in daily expectations
Clear communication about responsibilities

In joint families, change usually doesn’t happen suddenly—it happens gradually and through understanding, not confrontation.

And one important mindset shift for you:
Adjustment doesn’t mean losing yourself completely.
But it also doesn’t mean expecting the environment to become exactly like your old life.

You are now learning how to live between two worlds.

If both you and your husband handle this with patience and respect, it can become manageable. If either side becomes rigid, then it starts feeling like suffocation.

So your task is not to “fit in perfectly,”
but to adapt without disappearing.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1805 Answers  |Ask -

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

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Relationship
Dear Anu, I have been married for 3 years. Everything is going well with my husband except there is one problem. If there is anything wrong done by his parents, he never takes a stand or protests.My in-laws are not very friendly people.After our marriage they have never tried to keep in touch with my parents or at least have the courtesy to invite once to their house. My parents have frequently tried to invite them and also tried to keep contact but nothing is achieved if it's one-sided. I told my husband about all this but he never ever tried to explain or correct them of their wrong doings.My mother-in-law had also insulted me few times raising questions on how I was brought up within the first year of our marriage. And later as well. I work and sometimes due to prolong working hours I am not able to contribute to household work. My mother-in-law started asking if at all I do any household work or whether I am always busy with my office work. She already knew that I would be working after marriage and was fine with it.Because of the lockdown we are staying with them for a long period and I am embarrassed to tell this but every day is killing me. When I stay with them I have to be a totally different person. I have to live their lifestyle which is totally opposite to how I used to live with my husband alone.Because of all the above circumstances, I am not keen on staying with them. I don't see a future where I can stay with them. I am ready to take care of them but can't stay under one roof. My husband is well aware of my feelings. But never does anything about it. Every time I tell him, he blames me that I don't want him to stay with his parents. Else he takes good care of me and is a good person. My parents also like him except this one complaint.I am totally clueless now how to make him understand because we end up fighting rather than discussing. In the long run I can't stay with my in-laws because our lifestyle doesn't match and of course the hurtful things they have done. They are not even ready to adjust rather would expect me to completely change for them. And that's what dreads me.I can't live in this way for long. It is causing me a lot of mental stress.Please provide your valuable suggestions.
Ans:

Dear SN,

Hasn’t the lockdown ended for a while now?

Why are you still with them?

What was the initial reason of moving in with them?

Does that reason still exist?

Being part of a joint/extended family system isn’t a cake walk; each person is unique and so are their thoughts and experiences and they will want the other person to live by their experiences and rules. But of course, an emotionally mature person would believe in giving space for another person grow and evolve and swim around the family dynamics. Well, it isn't the case here.

Why don’t you drop down a pros and cons list for When I move out and for When I stay here.

Weigh it down to its granular detail. Also, try and figure out why your husband is so against talking to them.

Sometimes, it maybe a minor adjustment that everyone needs to go through, but our movies and sitcoms have done enough damage to our minds where the drama looks never ending and where one party is to blame. Usually, the adjustment has to happen from both ends.

Bring this to a place where everyone gains, and everyone is happy. Maybe moving out is an option that you seek but will this go well with your husband and remember, he might do this for you, and in the long run in might end up blaming you for it. It’s complicated.

So, take time and work on the pros and cons, why your husband is against talking to them about this and also ask yourself: Have I done everything that I can to live joyfully under one roof?
You will have a path to your solution soon.

All the best!

..Read more

Anu

Anu Krishna  |1805 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 27, 2021

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Relationship
Dear mam, my husband and I had a love marriage. We dated for five years before getting married and we have been living together for 8 years now. I am working and we have a 5 year old son. He is a very good guy but his parents and relatives who are staying with us are making things difficult for us now. Like you suggested I tried talking to my husband but I feel he is being biased and taken for granted. I tried to adjust and ignore some things but there is a lot of politics going on every day which is affecting both of us. From money issues to privacy and kitchen fights, we are dealing with a lot of things that I am not able to talk and solve. This is affecting my career and my son’s studies too. Every time I start a discussion it leads to a big fight in front of everyone. Ultimately I am cornered and blamed. The patent response is: everyone adjusts. I’m not able to handle it well and no support from anyone. Also I don’t have anyone to talk to whom I can trust. Please help.
Ans: Dear S, Thank you for trying to apply a few of my suggestions. Extended families can be a huge challenge to live with as much as there are advantages as well.

Too much mixing of thoughts and opinions that at times you feel that your thoughts are never valued.

Either, you ease into this and know that this will be your world; which means you start to ‘try’ to become happy which can be stressful.

If this is impossible and you want to change it, then STEP UP for yourself and for your son.

No arguments, no fights, but firmly asserting what you want.

Be kind always no matter what because your husband is just in the midst of his family and the family system that he has been raised with, your protests don’t matter much.

Making your point known doesn't need fights, but reiterating what you want and that your thoughts must be respected.

It’s possible that over a few weeks, this new calm behavior of yours might bring some change in your husband and he may start hearing and listening to what you have to say.

If that doesn’t work, yes you may have to take the help of a professional who will put you two together in a place and become a good third person who will facilitate the communication.

Whatever it is, be kind and calm and I am sure you are…it helps in ‘breaking down’ the stubbornness in other people and they maybe willing to calm down as well.

Be at peace.

..Read more

Kanchan

Kanchan Rai  |663 Answers  |Ask -

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

Asked by Anonymous - Oct 03, 2024Hindi
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Relationship
I recently got married. I find it hard to live with my mother in law as she wants to micromanage. My husband keeps telling me that things are gonn be alright once you both understand each other ( His mother and I) due in time. My husband hardly stays at home due to work. I find it unfair that I’m made to adjust to his difficult mother while he continues to go about his life. Although we agreed to stay together with his mother after we are married, now that I’m finding it hard and I have requested him multiple times to do something about it since it’s effecting my mental health. And my point is that since it’s hard for me and since he is my husband why can’t he make some arrangements for me to live separate, example by making excuse of my workplace being too far from his house etc. But what he only says is ‘ Everything will be fine with time’ and I find this statement itself dismissing my difficulties. While he hardly stays at home he leaves me behind to adjust to his difficult mother is also something I find unjust. What shall I do
Ans: You’re absolutely right to voice your concerns; it’s a major transition, and feeling micromanaged can take a toll on anyone. But it’s also clear that your husband feels a sense of duty towards his mother and believes that, over time, things may settle naturally as you get to know each other better. While his optimism might feel dismissive, it’s likely coming from his hope that time will help ease things for both of you.

Taking a step back, it might be helpful to consider his perspective. For him, there’s likely a deep-rooted loyalty and sense of care for his mother, perhaps much like what you might feel if it were your own mother. He might hope that the three of you can coexist peacefully and that, with patience, you and his mother will reach an understanding. It’s possible he’s trying to avoid confrontation, believing it will make things harder for everyone.

Perhaps, try to find a balance that respects both your needs and his family obligations. You could approach him with empathy by acknowledging, “I understand that you want us to grow closer and that it’s important for you to support your mother. I’d feel the same if it were my own mother.” But you can gently express that, despite your efforts, the situation is taking a toll on your mental health and that a temporary solution, like living separately, could actually help everyone in the long run. Let him know that you want to build a strong relationship with his mother, but to do so, a bit of breathing room may help you approach her with more patience and understanding.

Opening the door to his perspective in this way might soften his stance and encourage him to consider arrangements that balance everyone’s well-being. By approaching the situation together, as a team, you’re more likely to find a solution that honors both his responsibilities and your need for space, making room for a more peaceful family dynamic in the long term.

..Read more

Ravi

Ravi Mittal  |730 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 14, 2025

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Ramalingam

Ramalingam Kalirajan  |11200 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 12, 2026

Money
am 38 years old and planning to buy a high-rise apartment in Ghaziabad costing around ₹40 lakh. My current take-home salary is ₹88,000 per month. I can pay around 20% as a down payment and finance the remaining 80% through a home loan. However, after making the down payment, I will not have any emergency fund left for situations such as job loss, medical emergencies, or any other unexpected difficulties. My salary is the only source of income for paying the EMI. Therefore, I would like to know whether it would be better for me to buy the flat or invest in a 75–100 square yard plot costing around ₹15–25 lakh for future investment. Note- For the todays situation in india where inflation is increasing day by day should i buy or not?
Ans: Your concern is very practical. The biggest issue is not whether the apartment or plot gives better returns. The bigger issue is that buying the apartment will leave you with no emergency fund, while your salary is the only source for EMI payments.

» Looking at Your Financial Position

Age 38 gives you enough time to build wealth.
Monthly take-home salary of Rs.88,000 is decent.
The apartment cost of Rs.40 lakhs means you may need a home loan of around Rs.32 lakhs after the down payment.
The EMI would become a long-term commitment.
Most importantly, after the down payment, your emergency reserve becomes almost zero.

This is the point that deserves maximum attention.

» Why Emergency Fund Comes First

Job loss can happen unexpectedly.
Medical emergencies can arise without warning.
Family responsibilities may increase over time.
Home ownership also brings maintenance costs, registration expenses, interiors, and society charges.

If you exhaust all your savings for the down payment, even a small financial shock can create stress.

As a Certified Financial Planner, I generally prefer seeing at least 6 to 12 months of expenses and EMIs kept aside before taking a major loan.

» Should You Buy the Apartment Now?

If the flat is for self-occupation and you genuinely need a house for your family, buying can be considered.
However, I would not recommend proceeding if it leaves you with no emergency reserve.
A few years' delay is often better than entering home ownership with financial vulnerability.

Inflation is rising, but that alone should not force a purchase decision.

A financially strong buyer usually gets better peace of mind than a financially stretched buyer.

» What About Buying a Plot?

Since you specifically asked for a comparison, a plot generally requires lower capital commitment than the apartment you are considering.
It avoids a large EMI burden.
It allows you to preserve some liquidity.
However, plots do not generate regular income and can remain idle for long periods.

The decision should not be based purely on expected appreciation.

» Inflation and Today's Situation

Inflation is certainly increasing the cost of living.
But inflation also increases future salaries and earning potential for many professionals.
Taking a large loan without emergency reserves is a bigger risk than inflation itself.
Financial flexibility is valuable during uncertain economic periods.

» A More Balanced Approach

First build a strong emergency fund.
Ensure adequate health insurance coverage.
Keep some reserves for unforeseen expenses.
Then proceed with property purchase when the down payment does not wipe out your savings.
Avoid stretching yourself to the maximum loan eligibility offered by the bank.

» Final Insights

Based on the information provided, I would be cautious about purchasing the Rs.40 lakh apartment immediately because it leaves you without an emergency fund.
The lack of financial cushion is a bigger concern than inflation.
Strengthening your emergency reserve first can make the home purchase much safer.
Do not rush into a property decision simply because prices may rise in future.
A strong financial foundation should come before a large EMI commitment.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

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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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