Cost - DHAR
Now my income 35000. bur cost al least 60000. I don't have any way to repay them. Munindra, I'm really sorry you're carrying this much pressure. From what you've told me over the past months, I can see this hasn't happened overnight. Your salary is about ₹35,000 , but your monthly commitments are around ₹60,000 . That means you're short by roughly ₹25,000 every month before paying for normal living expenses. Anyone in that situation would feel overwhelmed. The important thing is this: this is a financial problem, not a personal failure. Right now, your biggest priority is to stop the situation from getting worse. Here's what I think you should do first: Don't borrow another high-interest loan just to pay existing EMIs if you can avoid it. That usually makes the problem worse. Talk to your biggest lenders , especially the bank, about restructuring or extending the loan tenure to reduce the monthly EMI. Use the APY closure amount to reduce one expen...