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Struggling with in-laws and husband, feeling trapped: What should I do?

Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 04, 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
Asked by Anonymous - Nov 26, 2024Hindi
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Whenever I have a fight with my in-laws, my husband always takes their side and not talks with me for a 15 days or a week, tells me that he is bearing me all this years and I should go back to my mothers house, anyway he is hardly talking with me, he just answers my question, he is always busy with his office work, and he shoe me away if I try to romance by saying our daughter (13yr old) will see us, will do it afterwards, that comes only ones in a month. He is really unhappy with me, they all want to send me to my mother house, I deeply love him ....this all things makes me anxious, what should I do??? Ours is arranged marriage 15yrs. gone. He feels like he is trapped with me and now I am also feeling unhappy in our marriage..what should I do please suggest.

Ans: Dear Anonymous,
Clearly none of them seem to be happy with you and seem to want to get you away from them.
What exactly are you holding onto? Evaluate what you are getting by staying in the marriage and what you can do to manage life without the marriage if you of course make that choice.
I would also suggest one last attempt at putting things together. Will your husband be willing to talk to a third person like a therapist or even a family member? Try to set things right and even after this, they seem to make your life miserable, you really need to create options for yourself.

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

Anu Krishna  |1442 Answers  |Ask -

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

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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  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 22, 2022

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Hi Anu, I got married in Jan 2019 and it was an arranged marriage. Before marriage my husband loved me and we used to meet often and go out. But after marriage i got to know that his parents are extremely controlling and strict, they brainwashed him. A week into marriage we started fighting, and since then it's been a see-saw of love and hate. Soon we found out that he is impotent, but I helped him get over it, be it doctor's appointments or medicine, I took care of everything, it took us a year but we finally consummated our marriage. Then due to covid we moved to my in-laws’ house at his request. And then this marriage became hell to me, my in-laws started verbally abusing me every day though my husband tried to protect me but failed. I thought after the baby they would stop but it got worse so I took my 1-month-old baby and moved into my parents’ house. My husband came and begged me to not leave him, he said we'll move out to our own place. I agreed but then he called and told me that we'll go to another city after a year and I should stay with my mother till that time. BTW I am taking care of the baby all on my own financially, he won't do it unless I start living with him. I am financially independent. I don't know whether I should leave him or not, help?
Ans:

Dear S,

Time this one out! Which means, drop a deadline by having a conversation with your husband as to when your family will finally have a chance to function independently from in-laws or any other external circumstances.

Dropping deadlines means, both of you will be under the pump to put down a plan as to what needs to be done to clear out the existing muck and how beautifully you will create a loving environment for your baby to grow.

Not taking care of the baby or you, is not an option for him; but I guess it has become a convenient arrangement for him as you live with your parents and he does not need to take care of the fights and expenses as well.

This could only mean he is escaping reality and finding peace in avoiding it. Put him in the face of reality and that goes for you as well.

Being too accommodative can also become a habit where you rely on the comfort of what it brings to you; in this case the comfort at your parents' home.

For the sake of the baby, work together as a team and create a beautiful relationship; which will help the baby grow healthy, physically and emotionally.

All the best!

..Read more

Anu

Anu Krishna  |1442 Answers  |Ask -

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

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Dear mam, I am married for 14 yrs. Love marriage. I used to work earlier but quit because my husband was earning well and he said he will take care of me and my son. We used to be a happy couple but during the lockdown my mother-in-law and sister-in-law decided to move in with us. Slowly they started creating issues between my husband and me often badmouthing my behaviour or complaining about me. I was unaware about it until recently when we had a big fight. That’s when I realised that they have been planning to drive me out of the house and get him married to someone else whom they can manipulate. It’s been over a year now that my husband is not even talking to me properly. I went and stayed with my parents for some time but even they feel I am a burden and should adjust and accommodate instead of giving them reasons to fight. They don’t understand that all this is politics. Now my husband is talking to some girl whom I don’t like. That is causing more problems and fights between us. Anything I say is used against me now. Please help me mam. What to do?
Ans: Dear R, why did they start to create issues between you and your husband?

What led to this? It rarely happens that people go after people with no reason.

Did you have any reservations about them coming and staying over?

Did you express it in some form to them? (Ask these to yourself so that you know that any act on your part did not lead to this situation. Of course, nothing justifies their plotting to get their son married behind your back).

If the answer to this is NO, then it's time to confront your husband, get a mediator and put things on the table.

What does he want? What do you want?

Do you both want to continue in this marriage?

What are his responsibilities towards your son?

These need to be addressed without anymore delay. Being in a limbo state is not fun as it keeps you guessing and the uncertainty can cause a lot of stress.

Also, kindly sensitise your parents towards what you are going through, so that support you in this time of need.

Act NOW and whatever you decide, put yourself first and take care of you emotional state of mind.

Best wishes!

..Read more

Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 13, 2024

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Hello maam i am married since 18 years and since last 5 years my husband is not earning but my in laws are well to do me and my husband are in a relation where we end up quarrelling even if we have converstion of 2 mins i am financially independent and have son of 14 years but he is truely in influence of his father i dont have parents nor a sibling i dont know what to do i sometimes feel if i leave my husband and if i fail in my job than what about my future my age is 38 in all my surroundings i have seen all husband take care and responsiblity of their wife but my husband is totally self centered and the most pathetic thing is he does not even realize this please suggest what can be done
Ans: Dear Richa,
You are financially independent and any decision you take for your life will be based on that, right?
Who knows what the future hold and one can only be hopeful that all that is done in the present times yield a good result in future.
So, whatever decision you want to take, do that keeping what it is right now...also, have faith in your capability to earn and hold your head high BUT do give your marriage a fair chance considering your son may also get rattled by any harsh decision. Do you not feel that it is time to actually confront your husband. What is he planning on doing? Sitting and waiting for something to happen for him?
He has possibly got into a place where it is comfortable not to work and things happen around him for him and everyone else. So, there really is no need for him to lift a finger. Urge your in-laws to talk to him and drive some sense into him. If he still makes no move to get proactive and take on his part of responsibilities within the marriage, think about how long and how far you want to go with this. A bit of coaching/therapy can help, but only if he willing to see that it's needed for him. More than anything, I want you to have faith in yourself and play to your strengths.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: https://www.facebook.com/anukrish07/ AND https://www.linkedin.com/in/anukrishna-joyofserving/

..Read more

Latest Questions
Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Asked by Anonymous - Jan 13, 2025Hindi
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Hello..I met him on Jan 4 th of 2024.. this year he is not with me. We were in a relationship for almost 8 months. Everything was fine and blissful. Last December he told me he needs some time to decide about our relationship. First of all it was a blow to my confidence..I thought he will stay by my side no matter what it is. After a few days he told me he wants to move on. I was in no contact for 10 days. After I went back and called him..he told me he is talking with another girl and he likes her and going to marry her. My world was broken. The reason for this? Our horoscopes doesn't match also he brings up caste differences even though there is not much difference. We were each other's best friends cared and loved each other so much. Stood by eachother's tough times..I begged him I cried d...I lost all my self respect..I somehow wanted to keep him with me...but he threw me away. It pains a lot. I haven't recovered yet..but he is going to marry her very soon...the toughest part here is I have to see him everyday atleast for the next 6 months. How will I handle if he gets engaged? How will I handle when he gives out his wedding cards? I have big goals in life I want to achieve them. But I am terrified what if it all crumbles because of my inability to handle this pain and suffering? What should I do? Your suggestion is very much needed.
Ans: Dear Anonymous,
You did invest too much of yourself in him; but who can stop the way feelings move, right?
As hard as it maybe to accept this reality, move on...initially, it will be painful, but it's not worth losing yourself to anyone. Protect your identity and know that it does not stem from anyone or anything BUT it's YOU who defines it.
Maybe the past year that you lost time and could not focus on your goals, this year can be your year. Let him do what he needs to; why focus on someone who did not have the decency or courage to tell you things on your face. What will you gain by actually being with a person like that? I am sure you deserve much more...
Your goals and aspirations need you; go for it!

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

Anu

Anu Krishna  |1442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

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The seconds of time during taking action..I get into the overthinking/over-analysing thoughts... 1. Imaginative: Where I becom's the character & live life(see images, speak..) in those..like being rich,powerfull,disciplined,wife,kids....things which I want/perceive from social media...+ memos of past also.. 2. Stuck: Where I becom's a "OBJECT" & voices + images of brain guides me to quit task's when doing things/challenging...by saying.. *What this thing(task/book..) gonna benefit you? *Don't do it, you will do worse/fail..people gonna judge/laugh to you...look yourself!!..no good face, no good dress, u don't hv courage/skill to do that thing. 3. Coping: "Quit it" & use Mobile(songs,reels,yt videos..) to stop/distract myself from those dark clouds. i) What/How [solution] to don't get stuck in those next time. ii) How to use that overthinking for my advantage.. with hving control. iii) I tried to fill the possible voids by dress/looks but things were same..so it's internal.. What to do for that?
Ans: Dear Work,
Overthinking and over processing never helped anyone. Focus on your self-talk and change that.
- Journaling
- Sports
- Art work
- Meditation
- Breathwork
These are a few ways in which you can attempt to slow down the mind from racing thoughts. Once that happens, work on your self-talk to make it more useful where you start to direct yourself towards what you want to do.

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

Ramalingam

Ramalingam Kalirajan  |7550 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

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Hello Sir. I have Rs1,00,000 that I want to invest as a lump sum in SBI Mutual Funds for the long term (15+ years). Considering that SBI has one of the largest Asset Management Companies (AMCs), could you please recommend which SBI Mutual Funds would be suitable for such an investment and have the potential to deliver good returns over this period? I am doing this investment for my daughter's education.
Ans: Your decision to invest Rs 1,00,000 for your daughter's education is commendable. A long-term horizon of 15+ years offers significant growth potential through mutual funds. Below are insights and recommendations to guide your investment.

Why SBI Mutual Funds?

SBI is one of India’s largest and most trusted AMCs.

They offer a wide range of funds suitable for different goals and risk levels.

Their consistent performance track record reflects sound fund management.

Key Factors to Consider for Long-Term Investments

Investment Objective:

Education is a critical financial goal.

Focus on wealth accumulation through equity-oriented funds.

Risk Appetite:

Equity funds involve volatility but offer high growth.

Ensure alignment with your risk tolerance.

Fund Type Selection:

Choose funds based on asset allocation and diversification.

Evaluate the performance of large-cap, mid-cap, and hybrid funds.

Tax Implications:

LTCG over Rs 1.25 lakh is taxed at 12.5%.

Understand taxation for equity and debt funds.

Suggested Fund Categories for Your Investment

1. Large-Cap Funds

Invest in funds focusing on well-established companies.

They offer stability and moderate risk.

Suitable for conservative investors.

2. Mid-Cap Funds

These funds focus on medium-sized companies with high growth potential.

They are riskier than large-cap funds but offer higher returns.

Suitable for investors willing to take calculated risks.

3. Flexi-Cap Funds

Invest across large, mid, and small-cap companies.

They offer diversification and the flexibility to adapt to market conditions.

Ideal for investors seeking balanced growth.

4. Equity-Linked Savings Schemes (ELSS)

ELSS funds offer tax benefits under Section 80C.

They have a lock-in period of three years.

Suitable for investors aiming for tax-efficient long-term growth.

5. Hybrid Funds

Invest in a mix of equity and debt instruments.

They offer stability through debt and growth through equity.

Suitable for moderate-risk investors.

Benefits of Investing Through a Certified Financial Planner (CFP)

CFPs offer expert guidance tailored to your goals.

They help monitor fund performance regularly.

They ensure optimal fund selection and rebalancing.

Regular plans through CFPs provide dedicated service and support.

Why Choose Actively Managed Funds?

Active funds aim to outperform benchmarks through expert fund management.

They offer higher potential returns compared to index funds.

Fund managers actively adjust portfolios based on market trends.

Ideal for long-term investors seeking growth.

Key Steps to Start Your Investment

Define your financial goal clearly.

Consult with a CFP for fund selection.

Review the chosen fund’s historical performance and portfolio composition.

Use SIPs for additional investments to benefit from rupee cost averaging.

Monitor your portfolio periodically to ensure alignment with your goals.

Final Insights

Investing in SBI Mutual Funds is a smart choice for your daughter’s education. Selecting the right fund category ensures growth and stability over 15+ years. Partnering with a Certified Financial Planner ensures professional guidance and optimal returns. Stay committed to your goal, review your investments regularly, and focus on long-term growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7550 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

Asked by Anonymous - Jan 19, 2025Hindi
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Money
I am an NRI with an NRO trading account through Zerodha, but I cannot trade in F&O and Intraday. I have been filing my returns consistently though I have had no income in India in the last 10 years. But I have investments in MF, PPF, NPS, Medical and Life Insurances, ULIPs which were initiated while working in India and had tax saving options and it is being continued. I would like to trade in F&O and Intraday. My wife is not employed till date and has a regular savings account with the Bank which is Resident Indian normal account. She has never filed any IT returns since as there was no income and transactions from my side were only for family maintenance. My question is, can I open a regular trading account in her name so that we can do trading in F&O and Intraday? What are the necessary things which I need to follow for filing IT returns and how my investments can be helpful to file returns through her account. She doesn't have any investments except LIC & Health Insurance policies in her name for which I pay from myside.
Ans: Yes, you can open a trading account in your wife's name to trade in F&O and intraday; however, there are a few important considerations:

Steps to Open a Trading Account:
Convert Savings Account to a Trading-Compatible Account: Ensure her existing bank account supports trading transactions. If not, convert it to a trading-compatible savings account.
KYC Compliance: Complete her KYC process with updated details, including PAN, Aadhaar, and a valid address proof.
Link Demat and Trading Account: Open a Demat and trading account in her name with a broker that supports F&O and intraday trading for resident individuals.
Nominate a Separate Source of Funds: Ensure the funds transferred to her account are not directly linked to your NRI account to avoid legal and taxation issues.
Tax Implications:
Income from Trading: Any income generated from trading in her account will be considered her income. Since she has no other sources of income, her income from trading may be taxed as per the slab rate applicable to her.
Gift Declarations: Funds transferred to her account can be considered a gift. Gifts from a spouse are exempt from tax, but the income generated (through trading) will be clubbed with your income under Section 64 of the Income Tax Act.
Filing IT Returns:
She will need to file her own ITR if her total income (including trading profits) exceeds the taxable limit (Rs. 2.5 lakhs for individuals below 60).
Any clubbed income will still require an ITR to declare the source and details.
Investments for IT Filing:
Investments in her name (e.g., LIC and health insurance) can help:

Claim deductions under Section 80C for LIC premiums.
Claim deductions under Section 80D for health insurance premiums.
Alternative Suggestions:
Joint Investments: Instead of opening an account in her name, consider using investments in her name (LIC, insurance, etc.) to improve her financial standing without additional compliance.
Professional Advice: Engage a CA familiar with NRI taxation and clubbing provisions to ensure full compliance and proper structuring.
If you'd like detailed help with tax planning, compliance, or investment strategies, let me know!

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...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.

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