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Anu

Anu Krishna  |1312 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 23, 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
AV Question by AV on Nov 23, 2022Hindi
Relationship

Hi Mam, I would like to remain anonymous.
I'm in a very much stressed stage of my life. I had an arranged marriage in May 2020, I had known the guy only for 3 months.
I had discussed everything before marriage itself. I am an only child and my father is not with us and my mom's health is not very good.

After marriage everything was fine, but after a few days like a month or so, my sister-in-law started calling my mom and asked for gold ornaments, since we got married during the covid pandemic, the wedding was held in a temple.
They wanted us to get gold in that money which was spent from our side.
We were planning to buy a car so that travelling would be easy for me. I was still working in my old company and my husband had agreed to the same.

When we refused to give them the gold. Communication was completely nil, my sister-in-law nor my mother-in-law spoke to me, just a hi bye.
My husband was ok initially, but then later he started supporting his family and said what they demanded was right.
I got pregnant and I didn't want to travel during this situation, my in-laws didn't agree to send me to my mom's place. They wanted me to quit my job. My sister-in-law who was married had come here and was staying with us. She started interfering in our life, I had to consult the doctor of her choice, quit my job and my husband insisted i listen to them.
We had a huge fight and I came to my house. From that day none of them called or even messaged me.
I even went to the doctor with my mom. Then after 45 days we got to know that the pregnancy was not viable and it had to be aborted.

When i conveyed this message to my husband, he started blaming me saying that I did this on purpose and my sister-in-law started blaming me that i had aborted because it was a girl child. I was shocked that such baseless allegations on me, I couldn't digest this. They even threatened that they'll file a police complaint on me and my family. Then they wanted to get me checked with another doctor of their choice. I even went for the check-up. The doctor said that these things are common in first pregnancy and not to worry.
Even after this my sister-in-law was blaming me and my mother told me that we didn't take proper care. Sister-in-law was present at every doctor's check-up.
On the final day of check-up, I was in the hospital for 1.5 hours my husband didn't come. I left thinking he'll not come. But later he called me and started verbally abusing me and my family saying that he'll file a police complaint coz we didn't wait for him at the hospital. I mean I didn't know how to react to this. He used very vulgar language.
I couldn't tolerate this. I told him I will not stay with him any longer.
He then again started vulgarly abusing me, calling me and my family names which is not acceptable.
Now I have filed for divorce and domestic violence. He has filed for restitution of conjugal rights and his sister has filed a defamation case on me coz I said that she has deserted her husband which is true.
He's demanding money which they are claiming to have given for marriage expenses and litigation charges to sign mutual divorce papers. I don't know the total amount he might ask.
Mam I don't know what to do. Kindly help me take a decision. Is my decision right to divorce him?

Ans:

Dear AV,

Clearly a lot has happened and is happening which is rather unpleasant for you. This will disturb your peace of mind.

To ask me if your decision is right to divorce him is not a wise thing to do as the decision is yours to make.

You know your situation and you know what’s at stake and you also know what and how much you can take.

Firstly, hire a lawyer who is adept in dealing with cases of dowry demands and verbal abuse.

The correct step will be to narrate the situation to the lawyer as is and also tell him/her what you want to do and what you can derive financially out of the case if the divorce progresses.

Be prepared with what you want from and out of the divorce as every divorce lawyer will ask you this.

Also going prepared will cut down on the initial lawyer consultation fees. So, hire a good lawyer first.

Make sure that the initial wealth; all movable and immovable property given to you by your parents during the marriage that includes cash as well must be demanded back from your husband and his family.

You have a right over this streedhan. So, if you are filing for divorce, bear this in mind.

Secondly, to help you restore your mental health, I suggest that you actually pen the story of your married life down and each painful memory needs a release from your system.

It’s okay to be angry and spiteful towards the people involved but in the end for your own peace of mind, tell yourself that every story has an end and that instead of playing the victim, you will transform into a person who can take charge of her life and give the story a positive end.

Stop mulling over WHY it happened and move to WHAT CAN I DO NEXT.

Easier said than done? But being a problem space for too long will erode your wellbeing, so it’s wise to seek a solution.

Be brave and do the right thing. Never allow anyone to kill your spirit. All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1312 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2022

Relationship
I got married in 2018 and it was an arranged marriage. Everything seemed very perfect for me. But soon after things got weird as I realised my husband does not share good rapport with his own family. From day second, I felt I need to correct my husband' attitude towards his own parents. He loves me a lot and protects me from any type of problem while we were staying at my in-laws' house. But before completing 2 months we moved out and somewhere I knew there is no going back to his parents from that point. During the short 2 months stay I was told that my parents did not give me good stuff -- I mean bed, almirah and (that they) had not arranged our marriage function in the best way possible. I have seen them fighting among themselves for purchasing Maggi packets stating who will pay the price. I was told my husband who is eventually their real son contributed nothing to his sister's marriage, to their house construction and to his own marriage. I was asked to pay for the marriage album as my husband contributed nothing to his own marriage. Even after leaving their place bank payment related messages have been sent to me to pay the amount. One day after feeling helpless I asked them: If your son is having so much problem why did you marry him. They simply stated that they did it for the sake of society. The moments before leaving the house were tense. They threw a lot of tantrums -- they took the jewellery they'd purchased for me and also retained the jewellery given by my parents. I said nothing about it as those materialistic things never mattered to me. I had to take back a part of jewellery made by my parents from them as my parents wanted it back. But after leaving home they did not call to ask anything about our health or our problems with the new set up but instead called for money. They are threatening to come back if we don't talk to them on regular basis and bend their son on his knees to come back to his parents. Till some time, I was under the impression that my husband is having issues; that he is the monster who is abandoning his parents. When I learned his side of story, I realised he is not at fault completely. They never made him feel loved or accepted; and always compared him with others. They considered him as their investment plan as they are all the time cursing him for not providing any financial support without knowing at what salary he is working for, what are his monthly expenses and whether he is in a position to assist them financially.He doesn't have any good memories with his family. Still I tried to make him feel their pain to be left alone behind their only son. After leaving their house they started to abuse me on phone whenever they wanted. They cursed me and my parents for taking their son away from them. My husband is the typical Indian male who on the first night took control of my debit card as he thinks it is his birth right. He strictly told me what not to wear. Although these were major flaws in the attitude, he showed love towards me so I did also do the same. I am happy with him. But with this constant verbal abuse from his parents, I feel like I’m the one who is the culprit here. I was not ready to even extend my family with my husband but somehow I did take the decision after four years of my marriage. I am expecting now but my husband warned me to not inform about this to his parents otherwise, he will send me permanently to my parents’ house. My subconscious is shaking me in every 2 to 3 weeks that I’m the culprit here. I feel like my child will also leave me behind the way we left his parents behind. They insulted me in every possible way but I still don't want them to be left alone in their senior years like this. But I have no control over my husband he is way more detached towards them and maximum time insensitive to their problems. Also his parents always call to either abuse me or their son they did never ask us how we are if we are fine even in corona time I was positive and when they knew about they call my husband to make fun of this. Please suggest.
Ans:

Dear MB,

Too much going on in your mind all at once. Sometimes, it helps to compartmentalize.

It seems like you are being a nice human, have tried patching things between the son and his family.

Let it alone, it is unique and it’s their battle to fight. By you getting into this, it might eventually be pointed out that you are a bad wife and a bad influence on their son.

People when in distress lose sense of logic and blame everything on the external. So, you have done your bit, in vain…now stay away from their relationship.

What is meant to be, will be. Any more interference might only harm the relationship further.

As for you, when they call and abuse, kindly assert that you will not be talked to in that manner OR simply avoid their calls till the time they ask, then say: I do want our conversations to be had with respect both ways.

As for your husband taking away your debit card; it does seem his way of exercising control which he lacks with himself in relation to his parents.

He feels helpless and him taking charge of what you wear etc is his way of establishing ground rules by being a patriarch.

Please rework this soon else this will be observed by your children especially if you have a girl child.

Your meek submission is what she will learn from you.

Just like you took your streedhan back, what you feel you have a personal association and right over, kindly take it back.

His love for you does not mean that he owns you and it does not mean you need to submit.

Of course, if it is to maintain peace for the time being, alright…but over a period of time this has to change.

Enjoy the pregnancy without bringing unwanted worries that your child will also leave you etc.

Too much of commercial movies can instil these fears. Your husband and his family made this choice to harbor animosity towards each other.

Why will your child do the same with you? There is no transference. Simply, enjoy being pregnant, focus on yourself and your child.

Think good, eat good, feel good, laugh a lot and choose what who you want around you. It affects the child directly.

Please become responsible now towards your unborn child. He/she needs you.

Be with Nature a lot, listen to calming music…your baby will thank you someday for this. So smile and get on to enjoying your pregnancy.

Be happy and all the best!

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Kanchan

Kanchan Rai  |405 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 21, 2024

Asked by Anonymous - May 11, 2024Hindi
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Relationship
I feel so sorry for my situation which I was put myself in , I first got arranged marriage and got divorced after six years as he has an affair with other women and he is rich but does not love me at all or no relationship between so my family thought of leaving this toxic relationship so we got mutual divorce . Then I had a guy who proposed me before my first marriage but could marry due to caste issue but still he is good freind to me but after divorce I thought I can marry him as he is my best freind instead of marrying unknown second time , when I got divorced my age is 32 this freind of mine has family burdens so he made to wait three years I waited by convening my parents and got married one and half year back now his sisters and mother are torturing me in every thing like they want their son to obey them and my hubby is not serious about our marriage he is not earning anything but I work I had private job , he is addicted to drinking and drinks a lot and depends on my money and my in laws always shout on me and fight with me saying you don’t care us visit us , you people living happily , and buying everything in house and you loved him now complaining about him , he not drinker before marriage because of you he got addicted and my sister in law see me as an insect and fights shouts on me in front of all they don’t call me text me or talk to me when I am there , they don’t treat as I am existed if I got to my in laws house as we stay separately , even they don’t respect my mom dad also ..... I don’t know what to do now . My hubby won’t respond if I say anything on them that I am hurt like that and he won’t earn at all and stiilll drinking also
Ans: Navigating through a divorce and then finding yourself in a marriage where you're facing similar struggles must feel incredibly disheartening. It's understandable that you feel overwhelmed by your husband's drinking, financial strain, and the harsh treatment from your in-laws. Feeling invisible and disrespected in your own home is a heavy burden to bear, and your feelings of frustration and sadness are completely valid.

It’s important to prioritize your own well-being and happiness. Seeking support from a therapist or counselor can provide you with emotional guidance and help you explore your options. Having an honest conversation with your husband about your feelings and needs is also crucial, although it may be challenging.

Remember, you deserve to be in a relationship where you feel valued, respected, and loved. Whether that involves working through these challenges with your husband or considering other options, it’s essential to prioritize your own happiness and mental health. You are not alone, and there are people who can support you through this difficult time.

..Read more

Anu

Anu Krishna  |1312 Answers  |Ask -

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

Asked by Anonymous - May 27, 2024Hindi
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Relationship
Hello, I got married to the person who was behind me for years. I always considered him as my friend and supporter even after knowing his intention. My mom kept advising me we should go behind that person who cares and loves us. I obeyed her. Soon after things went into proposal mode his family started demanding for dowry and other stuffs. My friend was not from a well fed family which I was not aware. They lied to is they are very rich, hence they need what the demanded since the marriage news was widw spread wit no options we arranged and gave. My friend and his mother brain washed and convinced us to agree for this marriage. Even since I got married my husband and his mother is ruling on me and family. It was late when we got to know that they have been lying to is on their assets. Now when we ask them they deny and keep harassing me. My family got fed up of these fights started maitaining distance and since I Don want to trouble my divorced mother I stop complaining about the issues I am facing. My in-laws demand increases day by day. My mother-in-law is a mother of two kids a son and a daughter but everytime she tortures me and her son is quiet most of the time. When responsibility comes she supports her daughter and makes us to take responsibility which is not fair. Responsibiloty is parallel and must be shared. I am not well, my husband doesn't even give me money or take me to doctor. I am been told marriage means providing food and shelter. Please advise me what shud I do I am fed up
Ans: Dear Anonymous,
Basically you have been cheated; period!
What do you with even a basic thing like being cheated at a shop? Do you actually keep the product OR return it?
Yes, relationships are not like that BUT do understand that your marriage has been nothing but a transaction with mean minded people out to destroy you and your peace of mind.
There are no children in the equation so far...so do know you are free to take a decision. Today, it's harassment and giving you no money, tomorrow who knows what else!
Do you not see that they have begun to make you depend on them for the basic things? This is how it all begins before it gets into other shades of harassment which I do not want to speculate.
Put yourself first; be selfish and think about what to do next to actually live a peaceful and carefree life like the way it was before marriage.

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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Ravi

Ravi Mittal  |423 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 20, 2024

Asked by Anonymous - Nov 14, 2024Hindi
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Relationship
Hi, I'm soon to be 36 M, unmarried and never had any relationship in all my years, I have registered myself with many matrimony sites and have been searching for a girl or maybe a woman now, for last 5 or 6 years. My problem is that most girls in matrimonial reject me out right for reason like looks, money/property, age, etc, now I have asked some of my friends discreetly about my looks and I'm very confident about myself, also I know I do earn good bucks, despite that I don't understand what could be possible reason to not even have a single conversation before they reject someone. I have even tried my hands on dating apps, but I have not had success there as well. Some time I feel worthless and have breakdowns because of this. I don't have anyone to share this with and I know no one cares about it anyway as everyone has their own problem and you will be the last thing in their mind. I know the answer I'm going to get here - "keep trying", "life is not fair" etc, but I feel this is total crap, why does no women want a man who would respect her and care for her, why cry later for justice, domestic violence and cheating. After all this, I'm losing hope that I'll find my or any love in this world.
Ans: Dear Anonymous,
I agree what's happening to you is not fair, and however you are feeling right now, it is valid. But having said that, you can't justify saying "why cry later for justice, domestic violence and cheating." These are entirely different and serious matters. Do not trivialize them. Rejecting a man who would've loved her does not automatically mean the woman deserves to find a man who should cheat, beat, or abuse her.

Now, coming to your issue, rejection comes for several reasons; it doesn't necessarily have to do anything with your appearance. Since you mentioned getting rejected even before a conversation, my first guess would be that the profile might not be standing out in the crowd of profiles out there. You can try adding hints of humor to your BIO to make it more attractive. Use the 70-30 method in your Bio, where 70% of it showcases you as a person and the remaining 30 subtly indicates your version of an ideal partner. Additionally, try optimizing your DP and select something that shows your fun side.

But I would like to remind you that not everyone's love story runs at the same pace; some take time to start. I know you think it's cliched but people say it because it has truth to it- keep going; I am sure you will find someone.

Best Wishes.

...Read more

Ramalingam

Ramalingam Kalirajan  |7069 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 20, 2024

Asked by Anonymous - Nov 20, 2024Hindi
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Money
I have a FD @19lac. where and how should i invest it safely and effectively to utilize it for my daughters higher education?.She is 11 yrs now.. But this is all what i have left for my savings . I am 40 yrs at present self employed since past 6 months. Invested my savings and investments in establishing my Dental Clinic( rented) . Can't invest more or save for some time . Kindly advise .
Ans: At age 40, with a self-employed career and Rs 19 lakh in FD, your goal of funding your daughter's higher education in seven years requires careful and safe planning. Below is a structured approach to help you.

Assessing the Current Financial Position
1. Fixed Deposit’s Role
Your FD ensures safety and guaranteed returns.

Current FD rates may not beat inflation in education costs.

Retaining some funds in FD can serve as an emergency reserve.

2. Limited Income Contribution
As a new self-employed professional, saving or investing regularly is challenging.

Relying on the existing Rs 19 lakh corpus is critical.

Balancing Safety and Growth
1. Maintain an Emergency Reserve
Keep Rs 3-4 lakh in FD or a liquid fund for emergencies.

Use this reserve to handle clinic or personal contingencies.

2. Allocate for Growth Investments
Allocate Rs 10-12 lakh to balanced hybrid funds.

These funds balance risk by investing in equity and debt instruments.

They may generate returns higher than inflation while limiting volatility.

3. Plan for Tax-Efficient Investments
Invest Rs 2-3 lakh in debt funds for tax efficiency.

Debt funds offer indexation benefits, reducing long-term tax liability.

Use these for medium-term goals or partial withdrawals.

Structured Withdrawal for Higher Education
1. Using SWP for Future Education Needs
Set up an SWP (Systematic Withdrawal Plan) from mutual funds in 2029.

Ensure regular payouts align with education fee schedules.

This approach protects your corpus while managing liquidity.

2. Avoid Full Withdrawal of Investments
Avoid liquidating the entire corpus prematurely.

Keep the investments compounding until needed.

Insurance and Protection
1. Adequate Term Insurance
Ensure a term insurance policy covers your daughter’s education costs.

Choose coverage based on your loan and education fund needs.

2. Health Insurance for Contingencies
Maintain a comprehensive health insurance policy.

This safeguards your savings from unexpected medical expenses.

Education Cost Estimation
1. Forecast Higher Education Expenses
Estimate the required corpus for your daughter’s education.

Consider inflation at 8-10% while planning the corpus.

2. Supplement with Scholarships or Education Loans
Explore scholarship opportunities for her higher studies.

An education loan could reduce immediate financial pressure.

Avoiding Common Pitfalls
1. Do Not Invest Entirely in Equity
Pure equity funds are too volatile for a 7-year horizon.

Balanced funds reduce risks while providing reasonable growth.

2. Avoid Long Lock-in Periods
Avoid products like ULIPs or policies with long lock-ins.

Ensure liquidity for when funds are needed.

Tracking and Reviewing Investments
1. Periodic Portfolio Review
Review and rebalance your investments annually.

Align them with market conditions and financial goals.

2. Monitor Education Costs Regularly
Keep track of potential education expenses for better planning.
Final Insights
Your Rs 19 lakh can grow meaningfully with balanced investments. Keep some funds liquid while investing for growth. Prioritise safety and tax efficiency. Plan for gradual withdrawals to meet higher education expenses without depleting your corpus prematurely.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7069 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 20, 2024

Asked by Anonymous - Nov 20, 2024Hindi
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Money
Dear sir, I have recently bought an under construction flat( handover- 2027) and having loan of 52 lakhs for which the EMI will be around 47 thousand(8.75%). I have sufficient investment in mutual fund, generating return around 17-18 percent. Should I repay the loan from my corpus or continue the EMI. For decreasing the burden of EMI, can I start SWP from mutual fund. What would be better? My monthly salary is 1 l/m and having,SIP around 40th/m. My age is 48 years.
Ans: With an under-construction flat and a Rs 52 lakh home loan, your financial decisions need careful analysis. Let’s explore whether you should repay the loan, continue EMI payments, or start a Systematic Withdrawal Plan (SWP) from your mutual fund corpus.

Assessing Loan Repayment vs. Continuing EMIs
1. Interest Rate and Opportunity Cost
Your loan interest rate of 8.75% is relatively high.

Your mutual fund returns of 17–18% exceed the loan cost, making investments lucrative.

Paying the loan partially or fully could limit your future growth potential.

2. Impact on Liquidity
Using your corpus to repay the loan reduces your liquid assets.

Liquidity is crucial for emergencies, education, or retirement needs.

Continuing EMIs while keeping investments intact ensures financial flexibility.

3. Tax Benefits on Home Loan
Interest payments on home loans offer tax deductions under Section 24(b).

Principal repayments qualify under Section 80C, up to Rs 1.5 lakh annually.

These benefits reduce the effective interest cost of the loan.

Evaluating Systematic Withdrawal Plan (SWP)
1. Reducing EMI Burden with SWP
An SWP generates a monthly cash flow from mutual funds.

Returns may support EMI payments while retaining your investment corpus.

SWP keeps your portfolio compounding, unlike a one-time withdrawal.

2. Tax Implications of SWP
Gains from equity funds over Rs 1.25 lakh are taxed at 12.5% LTCG.

Short-term withdrawals (below one year) are taxed at 20%.

Plan withdrawals strategically to minimise tax impact.

Evaluating Your SIP Strategy
Investing Rs 40,000 in SIPs monthly indicates disciplined financial planning.

Continue SIPs as they build wealth systematically over the long term.

Avoid stopping SIPs to manage EMIs, as compounding benefits diminish.

Suggested Course of Action
1. Continue EMIs for Now
Retain your mutual fund corpus to earn higher returns.

Use the tax benefits to reduce the effective cost of the loan.

2. Start a Partial SWP for EMI Support
Withdraw a portion of returns monthly to ease EMI pressure.

Adjust SWP withdrawals based on mutual fund performance and needs.

3. Consider Partial Loan Prepayment
Prepay a part of the loan if liquidity is not a concern.

This reduces the principal, lowering EMI or tenure.

4. Regularly Monitor Investments
Track mutual fund returns and market conditions.

Rebalance your portfolio annually to align with goals.

Final Insights
Managing EMIs and investments is a balancing act. Continue your loan and utilise SWP for partial EMI support if needed. Prioritise liquidity while letting your mutual funds grow. Periodic reviews will ensure financial stability and goal alignment.

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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