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Uncomfortable: Girlfriend travels, parties with male colleagues in Delhi

Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 29, 2025

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 - Jan 18, 2025Hindi
Relationship

I am working abroad, while my Girlfriend is working in Delhi, living in NCR. We both were Dating since our College Days & have been in a Long Distance Relationship since I moved abroad, more than a Year ago & she moved to Delhi-NCR from Calcutta (where most of our Common Friends are based). While we were together with our Common Friends from College, we'd Travel, Party & have a lot of Fun together as a Group, since we all knew & trusted each other quite well, Irrespective of Gender. When we both moved to Different Places & started our Respective Jobs, we became Friends with our Respective Colleagues, but we have an Implied Understanding that we should be Maintaining Stricter Boundaries with our New Friends/Colleagues, since we are in a Long Distance Relationship. I've always honoured the commitment & have been Careful to not spend private time with any other Woman & Travel/Party only with a Group consisting of both Men & Women. But I am not sure my Girlfriend is doing the same. Quite often she keeps Travelling, Partying, Drinking & Sleeping over with some 2-3 Male Colleagues, who are quite close to her, but unknown to me. She doesn't even bother to keep me updated about where she is, what she's doing & with whom, but keeps Posting Status Updates on Instagram, from time to time and from what I have observed, she seems to be spending quite a lot of Time with these Male Colleagues of hers. All this makes me feel very Uncomfortable. Even though I Love & Trust my Girlfriend, but I'm unsure about these New 'Friends' of hers as I don't know them & obviously, I don't like them being so close to my Girlfriend. Many times, I've discussed this matter with my Girlfriend, trying to make her understand how I feel. But every time, I bring up this Topic, she tries to invalidate my feelings & shuts me down saying that I'm just Insecure. I'd also tried getting to know her New Friends in order to understand them better, but she doesn't share much about them, with me. Though, she keeps Reassuring me that they're 'Just Friends' they seem to be much closer than that. On several occasions, she had gone out with them, even though I had strictly forbidden her to. I don't understand whether she's unable to understand how I'm feeling or that she doesn't even care about my Feelings, though I still want to continue Loving & Trusting her, without Doubting her Loyalty. I don't understand what to do in this situation. How can I make her enforce stricter Boundaries with her Male Colleagues (atleast as much as I am doing here)? Shall I get a Friend or a Private Investigator to keep an Eye on her? Or shall I behave the same way, she's been doing? Or, shall I Break-up with her & try to find someone else, over here?

Ans: Long-distance relationships require an even deeper level of communication and trust than regular ones. You’ve upheld the boundaries you both implicitly agreed upon, yet it feels like she’s not holding herself to the same standard. The fact that she dismisses your concerns rather than addressing them is what’s truly hurting you. When someone we love invalidates our feelings, it creates frustration, self-doubt, and emotional distance. You’re not being “insecure” for wanting reassurance and clarity—you’re simply asking for the same level of respect and commitment you’re offering.

Trying to enforce boundaries by “forbidding” her from doing something isn’t the right approach, because boundaries should be mutual, not dictated. The more you try to control her actions, the more she might rebel or shut down, seeing it as you being possessive rather than expressing a valid emotional need. The real problem is not that she has male friends, but that she’s being secretive about them, not making an effort to ease your concerns, and disregarding how her actions affect you. A loving and committed partner should care about your peace of mind, even if she doesn’t fully agree with your perspective.

Hiring a private investigator or getting a friend to spy on her will only erode trust further, and mirroring her behavior by doing the same thing she does will not solve anything—it will just create more distance. If you’re considering breaking up, that means deep down, you already feel like your needs in this relationship aren’t being met. Before making any big decisions, you need to have one last honest conversation with her—not one where you accuse or demand, but one where you make it clear how this dynamic is making you feel and what you truly need from her to feel secure and valued in the relationship.

If she refuses to listen, invalidates your feelings again, or shows no willingness to compromise, then you have your answer. A relationship where only one person is making sacrifices isn’t sustainable. You deserve a partner who not only reassures you with words but also with actions that show she respects and values your presence in her life. If she’s unwilling to meet you halfway, then it may be time to ask yourself if holding on is worth the constant emotional struggle.

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Anu

Anu Krishna  |1600 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 16, 2022

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Relationship
Dear Anu, my boyfriend and I are school mates. We studied in the same class. We have been in a relationship for more than 10 years and currently we are working.There is a girl in his life whom we know through common friends. Through one of his friends we got to know that there were a lot of rumours about my BF and her being together earlier. However my BF explained that he treats her like a sister and there is nothing between them.I got the same explanation from that girl as well. So I accepted their relationship stance and went ahead without any doubt.Right now our relationship is very less lively and sparkling. We spend less time together as we are committed in our work and trapped in debt too. Due to family responsibilities, he spends less time with me. He says he has lot of work and hardly meets me. I have been learning over the past few months that my bf and the girl are seemingly growing closer. She calls him daily to ask about his whereabouts and every detail of our life. She knows more about him than me. Recently my BF was out with his family and he was not reachable for a day.When he is out with family, I would give time to let him update me but the girl messaged me to check if my BF updated me where and what he is doing, whether he is safe or not and what time he will be back. For me this concern seems little fishy. Pls advice on this. I am thinking about talking to my BF. I need advice on how to manage the situation and get proper explanation out of it.
Ans:

Dear A,

What more does he need to do for you to see what he is worth at this moment?

Dilly-dallying in the current relationship by relying on external relationship, ain’t fun, yeah?

‘Sister’ is a convenient label used when a man isn’t sure about his feelings for her, or he is sure and doesn’t want his current partner (namely, you) to go nasty on him.

Why she is keen on his whereabouts is anyone’s guess! Did you tell her off and ask her to find out herself? What are you, a messenger between the two of them?

And when you do talk to him, ask him: where is his mind on your relationship and what he plans on telling his ‘sister’?

Oh and if his answers don’t satisfy you or he still comes across as evasive, you know what to do then.

All the best!

..Read more

Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Sep 08, 2021

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Relationship
Dear Love Guru,Some of my closest friends are girls.My girlfriend was okay with it earlier, but she is getting too possessive now.She does not want me to hang out with my female friends but she is okay with my hanging out with my male friends.I don’t have a romantic interest in these girls and nor do they have a romantic interest in me.And I am not someone who will cheat.How do I convince her?Is this a good sign for the future?Aditya
Ans:

No, Aditya, it’s definitely not a good sign for the future. An overly possessive partner is a problem.

If she was okay with it earlier, she should be okay with it now.

You’re allowed to have friends of the opposite sex! And you shouldn’t have to convince her that you aren’t going to cheat on her; that means there is an inherent mistrust about you in her head already.

You can sit her down and speak to her about this problem.

If she’s willing to be reasonable about this, good for you. But from the sound of things, my hopes aren’t too high regarding this situation.

Just to be fair to her, however, I am going to put this out there -- I am assuming that you spend a reasonable amount of time with your girlfriend.

There are people who’d much rather be in the company of friends constantly and that is bound to upset their partners. So ensure that you’re spending enough quality time with her as well.

And if you are, and meeting your friends even a couple of times a month is still an issue, well, buddy, I’d say run for the hills.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8334 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 12, 2025

Asked by Anonymous - May 12, 2025
Money
I am 38 years old and self-employed, earning an average of 1.8 to 2 lakhs per month. I have a home loan of 44 lakhs (EMI is 46,000, tenure 15 years). There is no other liabilities. My investments include 11 lakhs in mutual funds, 3 lakhs in fixed deposits, and 1.5 lakh in gold. Should I focus on prepaying the home loan given my irregular income, or keep my investments intact and continue with EMIs?
Ans: You are doing quite well, especially with your investments and controlled liabilities. Your financial discipline is truly appreciable.

You are 38, self-employed, with Rs.1.8 to 2 lakhs monthly income.
Your current home loan is Rs.44 lakhs with EMI of Rs.46,000 for 15 years.
You have Rs.11 lakhs in mutual funds, Rs.3 lakhs in FDs, and Rs.1.5 lakhs in gold.
Your income is irregular, but you have no other liabilities.

Let us now do a 360-degree evaluation of whether to prepay the loan or stay invested.

 

Step-by-Step Financial Assessment
1. Evaluate the Stability of Your Income First
You earn between Rs.1.8 to Rs.2 lakhs per month.

 

But income is irregular. That needs caution.

 

Loan EMI is Rs.46,000 — about 25% of your average income.

 

If income drops in any month, EMI pressure will increase.

 

So we must first ensure EMI is always affordable, without stress.

 

Hence, liquidity is more important for you right now than aggressive loan prepayment.

 

2. Evaluate Your Emergency Reserve
You have Rs.3 lakhs in FD and Rs.1.5 lakhs in gold.

 

That makes it Rs.4.5 lakhs total liquid safety.

 

Your EMI is Rs.46,000, and personal expenses will also be there.

 

Ideal emergency fund for you = 6 to 9 months of expenses + EMI.

 

That is around Rs.6 to Rs.8 lakhs minimum.

 

So current emergency fund is slightly lower than ideal.

 

Please don’t use this for loan prepayment now.

 

3. Assess the Role of Mutual Funds
You have Rs.11 lakhs in mutual funds. That’s a solid step.

Now let’s assess whether to redeem this and prepay loan.

 

Should You Redeem Mutual Funds to Prepay?
Mutual funds, over long term, give better post-tax return than loan savings.

 

Loan interest is 8% to 9%, whereas mutual funds can give 11–13% in long term.

 

Especially if funds are equity-oriented and held for 5+ years.

 

You will also get capital gains tax exemption on Rs.1.25 lakhs LTCG annually.

 

If you redeem funds, you lose growth potential and compounding.

 

That hurts long-term wealth building.

 

So, do not redeem the entire Rs.11 lakhs in mutual funds.

 

4. Disadvantage of Early Loan Prepayment in Your Case
Prepaying early will reduce interest over time, yes.

 

But you may run into cash flow stress in slow months.

 

Once money is used to prepay, it cannot be taken back easily.

 

Liquidity once lost = flexibility lost.

 

Also, income tax benefit under Section 24(b) gets reduced if loan balance drops.

 

So it’s better to maintain balance between repayment and investment.

 

5. Best Strategy for You – A Balanced Approach
Let’s now craft the best plan for you.

 

Maintain Strong Liquidity First
Keep FD and gold untouched.

 

Increase emergency fund to at least Rs.6–Rs.7 lakhs.

 

For that, set aside extra Rs.2.5–Rs.3 lakhs from savings over time.

 

This makes your EMI safe even in low-income months.

 

Continue Your Mutual Fund SIPs Without Stopping
SIPs give long-term growth and beat loan interest in most cases.

 

Don’t stop mutual fund investments to prepay loan.

 

Stay invested. Let wealth compound.

 

Start Small and Periodic Prepayments
Don’t do bulk prepayment now. Do systematic small prepayments.

 

For example, Rs.25,000 to Rs.50,000 extra every 3–4 months.

 

When income is higher, use that surplus to prepay in parts.

 

Target 1–2 bulk part-payments per year.

 

This reduces tenure and interest slowly, without affecting liquidity.

 

Track Your Loan Amortisation Every 6 Months
Use netbanking or get a fresh loan statement every 6 months.

 

Check how each prepayment is reducing principal.

 

Adjust your strategy accordingly.

 

Avoid One-Time Full Prepayment
That would kill your long-term investment compounding.

 

Also removes your income tax benefit under Section 24(b).

 

Stay flexible. You are self-employed.

 

You need cash buffers more than salaried people.

 

Final Insights
Do not do bulk home loan prepayment from mutual funds now.

 

Keep SIPs going and maintain your compounding.

 

Grow your emergency fund to Rs.6–7 lakhs minimum.

 

Use surplus months to make small part-payments towards home loan.

 

This protects your peace and builds wealth at the same time.

 

Reassess in 2–3 years. You may be able to prepay more later.

 

You are already in a good financial position. Your thoughtful approach is praiseworthy.

 

Best Regards,
 
K. Ramalingam, MBA, CFP,
 
Chief Financial Planner,
 
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8334 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 12, 2025

Money
i wish to purchase new car i10, should i purchase the same through own money or should i take a vehicle loan from bank and the money own by my to be kept as FDR or liquid mutual fund
Ans: It’s a good sign that you’re thinking before buying a car. You’re not rushing into it. That shows maturity and smart thinking.

We will now evaluate own money vs vehicle loan — from every angle.

 

Understanding the Nature of a Car Purchase
A car is not an investment.

 

It is a consumption asset, not a growth asset.

 

It depreciates every year. Its value goes down, not up.

 

So the cheaper the total cost, the better for your wealth.

 

Option 1: Use Own Money Fully
Pros

No interest cost. You save on total expenses.

 

You are free from monthly EMI pressure.

 

Car becomes fully yours from day one.

 

No need to deal with bank, forms, hypothecation etc.

 

Cons

Your liquid money reduces.

 

You may not have enough cash for emergencies.

 

Opportunity loss if you had invested that money.

 

Option 2: Take Vehicle Loan & Keep Own Money in FDR or Liquid Mutual Fund
Let’s evaluate this with care.

Vehicle Loan Pros

You can preserve your savings for emergencies.

 

EMI can be budgeted monthly, if income is stable.

 

Some banks offer competitive interest rates.

 

Vehicle Loan Cons

You will pay interest on a depreciating item.

 

Loan adds to your monthly obligations.

 

You must pay insurance, EMI, fuel, and service together.

 

FDR and Liquid Mutual Funds give lower returns than loan cost.

 

So you will likely lose more in interest than you gain.

 

Let's Compare: Interest Rate vs Investment Return
Vehicle loan interest is usually 9% to 11% per year.

 

FDR gives around 6% to 7% before tax.

 

Liquid mutual funds give 6% to 7.5% on average.

 

So you pay more to the bank than you earn from investment.

 

Tax on interest or gains reduces actual return further.

 

This means taking a car loan and investing your own money leads to net loss.

 

Best Option for You: Smart Compromise Approach
Let me share a wise solution.

 

Don’t use full own money. Don’t take full loan either.

 

Instead, pay 70–80% from own funds.

 

Take a small car loan for the remaining 20–30% only.

 

This keeps EMI low and retains some liquidity.

 

You reduce interest cost and also keep Rs.50,000–Rs.1 lakh aside.

 

Park that in liquid fund for any urgent need.

 

Repay this small loan fast in 1–2 years.

 

Only Take a Car Loan If:
Your job income is stable.

 

You already have 3–6 months emergency fund ready.

 

You don’t have big loans running now.

 

You can pay EMI without affecting savings.

 

You commit to close the loan early.

 

Avoid This Mistake:
Never buy a more expensive car because loan makes it “feel affordable.”

 

Loan should not expand your car budget.

 

Whether you buy with loan or cash, pick a simple car within limits.

 

i10 is a wise, middle-ground choice. Good thought.

 

Tax Angle (If Business Use)
If you are using the car for business, vehicle loan interest may be tax-deductible.

 

But for personal use, there is no tax benefit.

 

So do not take loan just for imagined tax saving.

 

Final Insights
A car is a need, not an investment.

 

Using your own money fully keeps things simple and cheap.

 

Taking a full car loan and investing the money gives net negative return.

 

Best option is a split approach — pay major part from own funds.

 

Take small loan only if needed and close it early.

 

Always keep emergency money aside before buying.

 

Avoid emotional buying or overbudget cars.

 

Your financially balanced approach is very appreciable.

 

Best Regards,
 
K. Ramalingam, MBA, CFP,
 
Chief Financial Planner,
 
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Anu

Anu Krishna  |1600 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 12, 2025

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