#C27634 Hello everyone, After thinking about this for a long time, I've finally decided to share my story because I really need some advice. In 2024, I bought a house by taking a 50% home loan. Since then, I've been paying a monthly EMI, but the financial pressure has become overwhelming. Over the past seven months, I've had to break my fixed deposits (FDs) and even surrender my LIC policy just to keep up with the EMI payments. In the last two years, I've changed four jobs. Unfortunately, I'm still not satisfied with my current work, and I've completely lost my motivation. For the past two months, I've been pretending to go to work every day, but the truth is that I don't have a job anymore. My family still believes that I'm employed because I don't want to disappoint them. To manage my expenses, I've already sold my laptop and my scooty. My family expects me to continue paying the EMI, and I understand that it's my responsibility. But the thought of doing this for the next 10 years while feeling this exhausted and unhappy is mentally draining. I'm feeling completely lost and don't know what to do next. If anyone has gone through a similar situation or has any genuine advice, I would truly appreciate your guidance. Thank you for taking the time to read my story.
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💬 Comments (12)
If you don't have a job or any other income source, first thing is cut of your big expenses. Sound foolish to you, but sold your house, keep what you get, move to rental flat/home. Agar aisa soch rahe ho, flat bechunga to rahunga kaha, to EMI bounce ho jayega tab waise bhi bank flat pe tala hi lagayegi. So Start new life, nothing is bigger than mental health. Society ko jo bolna hai wo bolne do, society tumhara pressure jhelne nahi aayegi, na hi tumhare expenses uthane.
The main problem is, your lack of interest in working. In just two years you changed four jobs...it means job is as usual, but you are not interested. First you start loving your job whatever it is. Concentrate more on work instead of dreaming something which you are currently don't have. Once you settle financially, then you can do your dream job. You have family, not alone....it will affect your family a lot if you continue doing this. Find some work.... whatever it is....love it...work properly....work hard. In case if you are not getting job in your city, search in another city. There are many jobs if you are willing to do. Be positive
You are having burnout. Get your full body checkup done. See if Thyroid profile, B12 and D are alright. Tata 1mg offers good health test package in just 2-3k. Take reports to any MBBS+ doctor. And take supplements, medications if needed. Tell family that you lost job due to AI. Sell your flat and close loan. Shift to rental, smaller flat. Or you can shift to hometown as well if you have house, farm there. Live peacefully with lesser needs. This "own flat, own car, kids in fancy school" is a scam. Many people in developed countries are going (or trying to go) off-grid now.
Log kya kahenga,ye sbse bekar soch h ... Ab tum struggle kr rhe ho tb wo log kaha h. Muhje lgta h sell krdo ... Minimalist bno ..inner ,mental peace ko priority roho life m ...rent pe reh lo ,lekin mental peace hona chahiye.
Give a small portion of your house on rent to somebody and get a comfortable job along with this so that you have some extra source of income.
You can sell the house .. and ask your bank to transfer the loan to another party . Example (for easy mathematics ) if the house value is 20L ... And you paid 10L and 10L from loan . So including ROI + Loan amount would be 14-15L . To get rid of bank . So you can sell your home for like 10L (you paid) + 15L (Loan + RoI) + 2L (your extra extra expenses) . But you have to find the right buyer . You should have look into this way , beside faking the job you have .. start searching the buyer . People do that in my area , they buy the plot in loan (30L) and make house (30L) ... After 4-5 years they transferred the loan to new buyer and sell the house for 75-78L ... So they would earn so profit like 3-4L . Again, in either way you have to sell your house and meanwhile you have to find the job . I know it's tough out there, it's like ... You have to find job + find right buyer to get some profit .
Selling the house seems to be the only option.
Sell the house and shift to 1 bhk rented house.
Age and qualification
i got laid off in sept 2024. Still couldnt get a job...worked in toxic abusive cultures, then layoff...i am a tier 1 bschhol graduate...bt i understood corporates too early. So i never spent on anything aprt from food and rent ...so i am still surviving after 2 years properly...just have 4 yr work ex...can still survive 3-4 years more...thankfully i did not marry..and will never given the state of society and marital laws. Currently working on side hustle until landing a job that too a remote one which would fund my hustle. Jobs and education have become terrible today. Jobs are mostly luck. Only few land good managers in early career and good work culture companies. Rest 99% are working in toxic places. Also males find it difficult to get something after layoffs or gaps. No one helps. Education is a rigged system as well- best for reserved and females. Ask me: i gave 5 attempts in mba entrances to land a tier 1 colg- fighting gender, caste reservations. Above all this AI is making things worse. Mind you this is no longer cyclical change, but a permanent one in job market. Jobs will only reduce as ai keeps getting better. Also i never liked those large metro cities full of pollution, traffic , water crisis - its a waste of life. Cant imagine living in a box of some gated society. So never thought buying a house here. I would only suggest, for future, dont take more responsibility than required unless you have other income source and 5 years funds to survive; even if it means no material things, no marriage, etc. I am sure these times would've made you realise, for men, you are on your own, there are no friends/gf/wife etc etc in difficult times.
do u have job or not...why so many changes in job when u knw u have responsibility of running ur family...u shud be more responsible rather than just saying u dint like the job...either u r lazy or u r full of attitude
Sale of the flat and reduce the burden. No point in having it.