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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 30, 2023

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 - Oct 30, 2023Hindi
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Relationship

I have been married for one year. My mother in law has no respect in her talking towards me. She expects me to do all the household things and she doesn't want her daughter to do any kitchen works. Most of the time I feel like she made her son marry me just to do household things. I don't need any appreciation but I can't bear her disrespectful words. And her cunning character and lies. What can I do in such situations

Ans: Dealing with a challenging mother-in-law can be a delicate situation, but it's important to address these concerns to maintain a healthy relationship with your spouse and in-lawsStart by discussing your feelings with your spouse. Share your concerns about your mother-in-law's behavior and how it's affecting you. Ensure that you both are on the same page before addressing the issue with her. When you decide to talk to your mother-in-law, pick a calm and private setting. Avoid confrontations in the heat of the moment, and try to have a rational conversation. Clearly and calmly communicate how her words and actions make you feel. Use "I" statements to express your emotions without blaming her Make it clear what behavior is unacceptable and establish boundaries. Politely but firmly communicate what you are willing and unwilling to tolerate in terms of comments and expectations. If direct communication doesn't yield positive results, consider involving a neutral third party, a trusted family member, to mediate the conversation. Strengthen your relationship with your spouse and build a support system with friends and other family members. Having a strong network can provide emotional support during challenging times. Remember, it may take time to see changes, and it's essential to approach the situation with patience and understanding. Every family dynamic is unique, and finding the right balance may require ongoing effort and communication.

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Anu

Anu Krishna  |1600 Answers  |Ask -

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

Relationship
Hope you are doing well.I am kinda mentally disturbed and badly need your suggestion. I have been in love and married for 13 yrs. I have a son and a daughter. I'm a working woman.I'm being constantly ill-treated by my mother-in-law. I know such issues exist in every household. But here, it has been a never-ending issue for 13 years now. She is very insecure, when it comes to household chores, my kids and my husband and feels all these areas should be in her control.She feels she is to be given utmost attention and only her thoughts and feelings to be respected and are always right. She insults me, mocks me, and doesn't treat me like a part of the family, though I’m selfless and continue to care for my in-laws and other family members. She keeps hurting me with her words, gestures and behaviour.To her, I'm like a constant pester and she doesn't feel satisfied with any chores or work at home or family. I'm a big mess. She often states 'I’m her` target` and will continue to hurt me verbally and with gestures.My husband doesn't raise questions on his mom's insane behaviour, as she threatens to harm herself.This is a routine she carries out, whenever she wants to. I have zero support from my husband to change his mom and or understand my feelings. Neither should I voice out my views or feelings. I have to look out for her moods and actions and act accordingly, any time.I have no self-respect, no dignity here. It doesn't feel like this is my house or my family, except for my kids. My kids are growing up and I feel I will lose respect amongst them, when she constantly taunts me and insults me for no reason.I have no parents or siblings to share my feelings. I open up with my close friends for a temporary vent out, otherwise, it really doesn't serve any purpose.I feel like I have to live eternally with this mental abuse, as I'm unable to put up with her behaviour and harassment. Acting as if I'm fine every day is killing me.This type of behaviour makes me feel very low and my self-esteem is affected. I feel worthless and my whole life feels like a sheer curse.Please help me get out of this situation and make my mother-in-law mend her behaviour towards me.Awaiting your response.
Ans:

Dear SS,

A story in many patriarchal households!

What can you do to change her and your husband’s attitude on this? Nothing at all.

It’s like a stubborn gene that wants to hold on to age-old beliefs where the mother-in-law rules the home and calls the shots, the son blindly supports his mother’s tantrums.

What can you do when your children also are growing up in this environment?

Here’s where you can put your foot down.

Your children have to learn to respect their mother for who she is. So, stop playing the victim in your situation and take charge.

I am sure the children are at an age where their minds are impressionable and can be beautifully shaped to accept different people in the household.

Instead of spending time cursing your situation, spend the same time being with your children, bonding with them.

Talk and spend a lot of time going out, watching TV, cooking, reading, listening to music and more.

What will start to happen is that the children will learn to hold space for you when you are down and out. And do take care that while you are bonding with them, never talk ill about their father or their grandmother.

This activity isn’t to distance one from the other but to give you a new way of thinking in the existing circumstances.

Having said this, if your husband is someday ready to talk to you about this, by all means be assertive.

Till then, it’s not necessary to suffer. Either you can fight and get fingers pointed back at you or you can negotiate a situation wisely to maintain the peace at home. You always have that choice.

Whatever you choose, never sit in silence and do nothing. That’s what your children will learn; to suffer in silence. So, time to make some subtle and meaningful changes?

Best wishes!

..Read more

Anu

Anu Krishna  |1600 Answers  |Ask -

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

Anu

Anu Krishna  |1600 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2024

Asked by Anonymous - Jun 12, 2024Hindi
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Relationship
I have been married for 7 months. I stayed with my husband for 4 months. I have a decent relationship with him. But my mother in law doesn't like me at all. She finds faults and mistakes in everything that I do. I don't get any support from my husband when my mother in law criticises me or uses harsh words. She insults my parents. My husband tries to justify her behaviour when I try to discuss these issues with him. He misunderstands me and doesn't want to listen to me whenever his mother creates issues. He doesn't listen to anyone and he doesn't care about anyone apart from his mother when his mother creates problems. I work for 10 hours at office and take care of him and the household chores. He forgets all my positive sides and highlights my mistakes rudely whenever his mother comes into the picture. I don't find any solution to this. My last solution is filing for a divorce. I want to try to give my best for this relationship. But that is somehow taking a toll on my mental and physical health.
Ans: Dear Anonymous,
You have good respite from all of this while you are at office, right? And then there's the commute to work? Then there's sleep?
So, I guess your interactions with her maybe 2 hours?
For her, she's given up her son; many mothers find it hard cutting the cord from their children and in this case, your husband also has not learned to develop a personality off of her and hence putting him in between the two of you is only going to cause you more stress and invariably he will side with her; he's still getting used to another woman in his life, YOU...Don't test his love for you and compare it with his mother. It will drive him away from you.

Give this all sometime BUT DO NOT get him caught in the middle of all this. Teaching your mother-in-law to behave in a certain way maybe a huge task BUT for you to work around it without letting it bother you is what you must focus on. Possible? YES...Smart relationships are ones like these where you don't go around expecting change in the other person BUT you figure how you can work around and find your peace.
So, since you are going to be around her only for a few hours, start by simply agreeing to what she says. Initially it will be hard, but it will throw her off guard as when she sees that you are not provoked, there will come a time, when she will back off.
Her fault finding is only to prove that she is better than you and that you can't replace her in her son's life. Give her that pleasure by simply nodding your head knowing that it's not your fault. You will see a change in a few days.

The best way to bring people's guard down is to agree to what they say BUT do what you need to. It's just been a couple of months, give it sometime...things settle...

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

Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 08, 2024

Asked by Anonymous - Aug 08, 2024Hindi
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Relationship
I am a CA, and I dont have much time or I dont somewhere like doing household chores but still my mother in law wants me to manage all household chores with office and studies. She only has to cook other household chores are done by me, still she is upset all the time, she never seems happy, the aura around her is very negative all the time. I try to be normal she never. What to do? Should I hire a cook and maid so that we both can relax.
Ans: It sounds like you're dealing with a lot of stress trying to balance your professional responsibilities with household chores, especially with the added pressure from your mother-in-law. It's important to address this situation in a way that maintains harmony at home while also ensuring you don't burn out.

First, have a calm and honest conversation with your mother-in-law. Explain how your work and studies demand a lot of your time and energy, and that you're finding it difficult to manage everything. Emphasize that it's not about shirking responsibilities but about finding a balance that works for everyone.

Suggest hiring a cook and a maid. This solution can help alleviate the workload for both of you, allowing your mother-in-law to relax and potentially improve her mood and overall atmosphere at home. Present it as a way to create a more peaceful and supportive environment, which can benefit both of you.

If she’s resistant, try to understand her concerns. She might feel that hiring help undermines her role or that it’s an unnecessary expense. Reassure her that the goal is to reduce stress and create a happier home, not to replace her or diminish her contributions.

In the meantime, take care of your well-being. Stress from work, studies, and household chores can take a toll on your mental and physical health. Ensure you have time for rest and relaxation, even if it means taking small breaks throughout the day.

Ultimately, finding a compromise that acknowledges both your needs and your mother-in-law’s feelings is key. This approach can help foster a more positive and supportive environment for everyone.

..Read more

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Asked by Anonymous - May 18, 2025
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hi me ek gov. servant hu meri monthly salary 80000/- hai maine sbi home loan 2500000/- liya (Des-2022 / 18 years) hai monthly emi 230000/-hai wo maine ghar pune mai liya hai usko rent par diya hai 15000/- meri 20 years se job kar raha hu maine gpf mai 40,00,000/- saveing kar li hai jo latest rate of intreast 7.1 % hai jo comunding milta hai mai gpf har saal 300000/- saveing karta hu 6000/- mutual fund main sip hai bachhonki (11Years girls & 5 years Boy ) school fees har saal 100000 hai aur sukanya samrudhi main bhi minimum savng hai muje next ek ghar banawana hai jo maine ek plot liya tha uspar abhi mere pas 1400000 hai jo baki paiso ke liya kya gpf mese paise nkale ya lone lake aur meri saveing sahi hai
Ans: Your planning is disciplined. You are managing loans, savings, and family needs with balance. Let’s go point-by-point and assess your situation professionally from all angles. This will help you take the best decision for building your second house and securing your future.

Current Financial Snapshot
Your monthly salary is Rs. 80,000.

Your EMI is Rs. 23,000 for the home loan taken in Dec 2022.

You earn Rs. 15,000 monthly from renting this house.

You have completed 20 years in government service.

You have saved Rs. 40 lakh in GPF earning 7.1% interest compounded.

You are contributing Rs. 3 lakh every year to GPF.

You have SIP of Rs. 6,000 in mutual funds.

You have two children – one is 11 years and the other is 5 years.

You pay Rs. 1 lakh yearly as school fees.

You contribute to Sukanya Samriddhi at minimum level.

You have Rs. 14 lakh saved to build a house on your plot.

Now the key question is: Should you use GPF for building your house or take a loan?

Let’s assess this from multiple angles.

Home Construction: Options Available
You have 2 choices to complete the home construction:

Withdraw money from GPF

Take a new home construction loan

Each option has benefits and limitations. Let’s compare clearly.

Using GPF for House Construction
Advantages

It is your money, so no interest to pay.

No EMI burden or repayment pressure.

Withdrawal from GPF for house is allowed as per rules.

Emotionally peaceful – you are not increasing debt.

Disadvantages

GPF gives 7.1% compound interest.

Once withdrawn, that compounding stops on that amount.

GPF is your retirement backup.

Reducing it will affect your old age financial safety.

Building a house is one-time, but retirement is a long journey.

Professional Insight

GPF should be your last option, not the first.

Withdraw only if no other option is available.

Taking Home Construction Loan
Advantages

You keep your GPF intact.

You continue to earn 7.1% interest compounded.

You get home loan tax benefits under 80C and Section 24.

Repayment can be structured as per your budget.

Disadvantages

You have to pay EMI regularly.

Loan rate may be 8-9% range, higher than GPF interest.

It adds more debt pressure on you.

Professional Insight

EMI is manageable if you plan carefully.

GPF balance of Rs. 40 lakh gives safety cushion.

So taking loan makes more sense, if EMI is affordable.

Monthly Budget Assessment
Salary: Rs. 80,000

Existing EMI: Rs. 23,000

Rent income: Rs. 15,000

School fee yearly: Rs. 1 lakh

SIP: Rs. 6,000

You are already managing EMI, fees, and SIP with discipline.

If you take another loan of Rs. 10-12 lakh, EMI will be Rs. 8,000 to Rs. 10,000 approx.

This is possible, if rent is used wisely and you avoid big expenses.

Child Education and Future Planning
Your daughter is 11 years. In 7 years, college will start.

Son is 5 years. So you have 13 years before his higher education.

You should increase SIP gradually every year.

Sukanya Samriddhi is good, but minimum saving is not enough.

Start SIPs for both kids’ future goals separately.

Target long term goals like higher education and marriage.

Continue SIP even during home construction.

Retirement Safety Evaluation
GPF is your retirement backbone.

Rs. 40 lakh at 7.1% compounded will double in around 10-11 years.

If you withdraw now, final corpus will reduce sharply.

Avoid disturbing it unless absolutely needed.

Continue Rs. 3 lakh yearly contribution without fail.

Strategy for New House Construction
You already have Rs. 14 lakh saved.

Let’s say construction needs Rs. 25 lakh.

Gap is Rs. 11 lakh approx.

Best strategy:

Use Rs. 14 lakh saved by you.

Take home construction loan of Rs. 10-12 lakh.

Keep GPF untouched.

Keep GPF for future security.

How to Manage Construction Loan EMI
Use rent income to cover part of EMI.

Avoid unnecessary luxury spending.

Cut gold and festival expenses if needed.

Take loan with flexible prepayment option.

When bonus or arrears come, use for loan part-payment.

Investment Rebalancing Tips
Increase SIP from Rs. 6,000 to Rs. 10,000 next year.

Keep mutual fund SIP for both child and your retirement.

Start one new SIP for daughter’s higher education.

Use mutual fund only for long-term goals.

Avoid index funds. They don’t beat inflation after tax.

Active funds adjust to Indian market better.

Emergency Fund Reminder
Keep at least Rs. 1.5 to 2 lakh as emergency fund.

Don’t use this money for house or loan.

Keep it in savings account or short-term liquid fund.

Insurance Planning
Check if you have term life insurance.

Minimum Rs. 50 lakh coverage is needed.

Premium is low for government servants.

Also take health insurance for full family.

School Fee and Lifestyle Cost
Your school fee is Rs. 1 lakh yearly.

It will grow as kids grow.

Plan SIP in liquid funds to prepare yearly school fee.

Final Construction Strategy
Estimate house construction cost with contractor clearly.

Plan in 2-3 stages. Use cash first, then loan.

Keep Rs. 1 lakh buffer for emergency during construction.

Finally
Your savings habits are very good.

GPF is strong pillar. Keep it growing.

Don’t touch GPF now.

Take small loan for second house.

Manage EMI smartly with rent and budget.

Increase SIP yearly for kids and retirement.

Avoid index funds.

Stay consistent.

Review yearly with proper planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8469 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2025

Money
Hello Sir I have a question that i have existing home loan of now rs 2900000 and 25 years of time has left rest i have paid , i am investing 1 lac per month in mutual funds and investing in gold as well shall i pay my laon first or keep.investing in mf and gold and keep paying emi plus extra amount in loan my loan roi is 8.80%
Ans: Your approach is sincere and responsible. Managing Rs. 29 lakh home loan while investing Rs. 1 lakh monthly needs clarity. You also invest in gold. Your focus seems on building wealth and becoming debt-free. Let’s assess your current situation from all angles and guide accordingly.

Understanding the Current Scenario
You have a home loan balance of Rs. 29 lakh.

Loan interest rate is 8.80%.

Loan tenure left is 25 years.

You are investing Rs. 1 lakh every month in mutual funds.

You are also buying gold regularly.

You are paying regular EMIs.

You are also thinking to prepay the home loan partially.

This situation is not uncommon. Many in your position face the same decision. Let us now break it down for better understanding.

Loan Repayment vs Investment: Core Conflict
Loan EMI gives guaranteed interest saving.

Mutual funds and gold have market risk. Returns are not fixed.

Loan rate is 8.80%. This is a high cost in long term.

Mutual funds can give 12% in long term. But no guarantee.

Gold can give 6-7% return over long term. Also not guaranteed.

So comparing loan vs MF or gold is not just about return.

Risk, liquidity, and financial goals must be seen together.

Evaluating Home Loan Repayment Strategy
Home loan gives tax benefit on interest under Sec 24(b).

But this benefit reduces over time as interest part reduces.

Long tenure increases total interest paid.

If you prepay loan now, you save high future interest.

Partial prepayment every year brings great interest saving.

Even Rs. 1 lakh prepayment per year can cut 4-5 years from loan term.

So prepayment makes sense if no other high priority goals pending.

Understanding Mutual Fund Investment Potential
You are investing Rs. 1 lakh monthly. That is commendable.

Mutual funds help build long term wealth.

Actively managed funds perform better than passive ones in India.

Index funds don’t beat inflation much after tax.

Active funds adjust to market cycles better.

Your SIP of Rs. 1 lakh may give strong corpus in 15-20 years.

Taxation on MF has changed now. Need to plan redemption smartly.

Short-term capital gains are taxed at 20%.

LTCG above Rs. 1.25 lakh is taxed at 12.5%.

Role of Gold in Portfolio
Gold acts as hedge in portfolio.

It protects against currency devaluation and global risk.

But gold alone should not be large part of investment.

It gives 6-7% return in long term.

It is not cash flow generating.

Use gold for diversification only. 10-15% is enough.

Assessing Your Loan Repayment Capacity
If you can spare extra Rs. 20-30K per month, loan prepayment makes sense.

Continue EMI as usual. Add lump sum when possible.

Avoid using your mutual fund SIP for prepayment.

Don’t stop gold purchase fully. Just reduce it if needed.

Balance your cash flow between all goals.

Combining Both: Smart Way Forward
You can do both prepayment and investments side by side.

Continue Rs. 1 lakh monthly in mutual funds.

From bonuses, windfalls, use part for home loan prepayment.

Avoid stopping SIP. It compounds over time.

Increase SIP by 5-10% yearly if income grows.

This way you build wealth and reduce debt slowly.

Tax Impact and Liquidity Planning
Prepaying home loan gives emotional peace.

But MF investments are liquid in emergencies.

Loan prepayment is not reversible.

Once paid, money is locked in property.

Keep emergency fund ready. 6 months expenses is good target.

Your Child and Family Needs
You have a child. Future education will need funds.

Mutual funds can fund child education and marriage.

Prepaying loan is less flexible than investing for child's future.

So don’t rush to be debt free if child goals are underfunded.

Cash Flow Planning for Better Balance
Track your monthly cash flow closely.

Prioritise emergency fund first.

After that, child education fund.

After that, home loan prepayment.

Avoid big gold purchases if loan EMI is tight.

Keep gold for portfolio balance only.

Emotional vs Logical Decision-Making
Loan-free life feels peaceful.

But wealth creation needs patience.

Don’t get swayed by fear of loan.

Instead, make clear plan.

Mix investment with prepayment.

What You Can Practically Do Now
Continue SIP of Rs. 1 lakh.

Build emergency fund equal to 6 months expense.

Invest at least Rs. 5-10K monthly for child education.

Reduce gold purchase to 10-15% of monthly investment.

Once emergency fund is ready, prepay Rs. 1-2 lakh per year in home loan.

Final Insights
Your loan is at 8.80%.

Mutual funds can beat this in long term.

But loan is risk-free return.

Emotional peace matters too.

Balance both wisely.

Stay consistent.

Do yearly review of all investments.

Increase SIP and loan prepayment step-by-step as income grows.

Avoid random investment decisions.

Be goal-based always.

Invest through certified professionals who guide with long-term vision.

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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