I'm tired of applying jobs, only to get bpo calls. I am 2021 grad and I don't know what to do. I tried for upsc, now i want to get into IT, learning java backend, not getting any calls, can't see any openings. I feel depressed. Please tell me what to do.
im 2021 grad from india, learning java backend. i have career gap and im currently learning spring boot. im trying to avoid the fear and negative feelings cuz the market is bad for us. im trying to build strong skills to get my first job.
im 2021 grad from india, learning java backend. i have career gap and im currently learning spring boot. im trying to avoid the fear and negative feelings cuz the market is bad for us. im trying to build strong skills to get my first job.
My friend (28M) earns around ₹37k/month and I genuinely don't know whether he's being a good son or slowly destroying himself financially.
His father (57) is a government employee earning around ₹60k/month. Years ago, his father lost his job for a few years, took loans at high interest, and the family never fully recovered financially. He eventually got the job back, but with reduced salary and benefits. Most of his father's income still goes toward servicing old debts, and he contributes only around ₹10k to household expenses.
One important detail: the father isn't sitting on assets. Over the years, he sold most of his wife's jewellery and even the family's only house, largely to fund his daughter's marriage and other family obligations. The family currently doesn't own a house. Their only remaining asset is a share in a jointly owned piece of land worth roughly ₹10 lakh for their portion, but because it's jointly owned, it can't easily be sold or used to solve the debt problem.
My friend got his first job in 2022. Since then, he has been paying most household expenses: rent (~₹10k), electricity, internet, phone bills, groceries, petrol, and various family expenses. He also gives around ₹30k/month to his father. Whenever there isn't enough money, he uses credit cards and rent-payment apps to rotate money between accounts.
Today, he has around ₹15.6 lakh in loan balances (mostly from converting credit card debt into EMIs) and roughly ₹7 lakh in rotating credit card debt. Around ₹50k/month goes toward EMIs and loan repayments. He is also repaying his own education loan.
He helped fund his sister's education (around ₹3.5 lakh) and other family expenses over the years. His sister earns around ₹45k/month and is married to a financially well-off husband. Despite this, they contribute nothing toward the family's financial burden. She also owes him money that has not been repaid.
His personal spending consists of cigarettes, alcohol, gym, and occasional movies, but compared to the debt burden, it's relatively small.
What bothers me is the family dynamic.
When he keeps arranging money, everyone is fine. When he says he can't afford something, he's called irresponsible. Recently, he told his father he couldn't continue supporting the family at the current level because he's drowning in debt. His father verbally abused him and threatened to throw him out of the house. His mother stayed silent.
To be fair, the father has his own financial trauma from years of unemployment and debt. But at this point, my friend feels like he has become the family's primary financial safety net despite earning the least among the earning adults involved.
He's mentally exhausted. Every few days he's scrambling to rotate money between cards and loans. Recently, ₹80k got stuck in a transaction, and he panicked because multiple EMIs were due.
His parents recently suggested that he buy term insurance because the family depends heavily on his income.
What strikes me is that between the father (₹60k/month) and my friend (₹37k/month), the household income is already close to ₹1 lakh/month. Add a sister earning ₹45k/month and a financially comfortable brother-in-law, yet the person carrying the biggest financial burden is the one earning the least.
My questions:
Looking for practical advice, financial perspectives, and experiences from people who have been in similar situations.
My friend (28M) earns around ₹37k/month and I genuinely don't know whether he's being a good son or slowly destroying himself financially.
His father (57) is a government employee earning around ₹60k/month. Years ago, his father lost his job for a few years, took loans at high interest, and the family never fully recovered financially. He eventually got the job back, but with reduced salary and benefits. Most of his father's income still goes toward servicing old debts, and he contributes only around ₹10k to household expenses.
One important detail: the father isn't sitting on assets. Over the years, he sold most of his wife's jewellery and even the family's only house, largely to fund his daughter's marriage and other family obligations. The family currently doesn't own a house. Their only remaining asset is a share in a jointly owned piece of land worth roughly ₹10 lakh for their portion, but because it's jointly owned, it can't easily be sold or used to solve the debt problem.
My friend got his first job in 2022. Since then, he has been paying most household expenses: rent (~₹10k), electricity, internet, phone bills, groceries, petrol, and various family expenses. He also gives around ₹30k/month to his father. Whenever there isn't enough money, he uses credit cards and rent-payment apps to rotate money between accounts.
Today, he has around ₹15.6 lakh in loan balances (mostly from converting credit card debt into EMIs) and roughly ₹7 lakh in rotating credit card debt. Around ₹50k/month goes toward EMIs and loan repayments. He is also repaying his own education loan.
He helped fund his sister's education (around ₹3.5 lakh) and other family expenses over the years. His sister earns around ₹45k/month and is married to a financially well-off husband. Despite this, they contribute nothing toward the family's financial burden. She also owes him money that has not been repaid.
His personal spending consists of cigarettes, alcohol, gym, and occasional movies, but compared to the debt burden, it's relatively small.
What bothers me is the family dynamic.
When he keeps arranging money, everyone is fine. When he says he can't afford something, he's called irresponsible. Recently, he told his father he couldn't continue supporting the family at the current level because he's drowning in debt. His father verbally abused him and threatened to throw him out of the house. His mother stayed silent.
To be fair, the father has his own financial trauma from years of unemployment and debt. But at this point, my friend feels like he has become the family's primary financial safety net despite earning the least among the earning adults involved.
He's mentally exhausted. Every few days he's scrambling to rotate money between cards and loans. Recently, ₹80k got stuck in a transaction, and he panicked because multiple EMIs were due.
His parents recently suggested that he buy term insurance because the family depends heavily on his income.
What strikes me is that between the father (₹60k/month) and my friend (₹37k/month), the household income is already close to ₹1 lakh/month. Add a sister earning ₹45k/month and a financially comfortable brother-in-law, yet the person carrying the biggest financial burden is the one earning the least.
My questions:
At what point does helping family become financially self-destructive?
Is he wrong for wanting to set a fixed monthly contribution and refusing additional requests?
Should he move to a PG/shared accommodation if the emotional pressure and financial demands continue?
If you were in his position, what would be your plan to get out of this debt trap and rebuild your life?
Looking for practical advice, financial perspectives, and experiences from people who have been in similar situations.
My friend (28M) earns around ₹37k/month and I genuinely don't know whether he's being a good son or slowly destroying himself financially.
His father (57) is a government employee earning around ₹60k/month. Years ago, his father lost his job for a few years, took loans at high interest, and the family never fully recovered financially. He eventually got the job back, but with reduced salary and benefits. Most of his father's income still goes toward servicing old debts, and he contributes only around ₹10k to household expenses.
One important detail: the father isn't sitting on assets. Over the years, he sold most of his wife's jewellery and even the family's only house, largely to fund his daughter's marriage and other family obligations. The family currently doesn't own a house. Their only remaining asset is a share in a jointly owned piece of land worth roughly ₹10 lakh for their portion, but because it's jointly owned, it can't easily be sold or used to solve the debt problem.
My friend got his first job in 2022. Since then, he has been paying most household expenses: rent (~₹10k), electricity, internet, phone bills, groceries, petrol, and various family expenses. He also gives around ₹30k/month to his father. Whenever there isn't enough money, he uses credit cards and rent-payment apps to rotate money between accounts.
Today, he has around ₹15.6 lakh in loan balances (mostly from converting credit card debt into EMIs) and roughly ₹7 lakh in rotating credit card debt. Around ₹50k/month goes toward EMIs and loan repayments. He is also repaying his own education loan.
He helped fund his sister's education (around ₹3.5 lakh) and other family expenses over the years. His sister earns around ₹45k/month and is married to a financially well-off husband. Despite this, they contribute nothing toward the family's financial burden. She also owes him money that has not been repaid.
His personal spending consists of cigarettes, alcohol, gym, and occasional movies, but compared to the debt burden, it's relatively small.
What bothers me is the family dynamic.
When he keeps arranging money, everyone is fine. When he says he can't afford something, he's called irresponsible. Recently, he told his father he couldn't continue supporting the family at the current level because he's drowning in debt. His father verbally abused him and threatened to throw him out of the house. His mother stayed silent.
To be fair, the father has his own financial trauma from years of unemployment and debt. But at this point, my friend feels like he has become the family's primary financial safety net despite earning the least among the earning adults involved.
He's mentally exhausted. Every few days he's scrambling to rotate money between cards and loans. Recently, ₹80k got stuck in a transaction, and he panicked because multiple EMIs were due.
His parents recently suggested that he buy term insurance because the family depends heavily on his income.
What strikes me is that between the father (₹60k/month) and my friend (₹37k/month), the household income is already close to ₹1 lakh/month. Add a sister earning ₹45k/month and a financially comfortable brother-in-law, yet the person carrying the biggest financial burden is the one earning the least.
My questions:
Looking for practical advice, financial perspectives, and experiences from people who have been in similar situations.
My friend (28M) earns around ₹37k/month and I genuinely don't know whether he's being a good son or slowly destroying himself financially.
His father (57) is a government employee earning around ₹60k/month. Years ago, his father lost his job for a few years, took loans at high interest, and the family never fully recovered financially. He eventually got the job back, but with reduced salary and benefits. Most of his father's income still goes toward servicing old debts, and he contributes only around ₹10k to household expenses.
One important detail: the father isn't sitting on assets. Over the years, he sold most of his wife's jewellery and even the family's only house, largely to fund his daughter's marriage and other family obligations. The family currently doesn't own a house. Their only remaining asset is a share in a jointly owned piece of land worth roughly ₹10 lakh for their portion, but because it's jointly owned, it can't easily be sold or used to solve the debt problem.
My friend got his first job in 2022. Since then, he has been paying most household expenses: rent (~₹10k), electricity, internet, phone bills, groceries, petrol, and various family expenses. He also gives around ₹30k/month to his father. Whenever there isn't enough money, he uses credit cards and rent-payment apps to rotate money between accounts.
Today, he has around ₹15.6 lakh in loan balances (mostly from converting credit card debt into EMIs) and roughly ₹7 lakh in rotating credit card debt. Around ₹50k/month goes toward EMIs and loan repayments. He is also repaying his own education loan.
He helped fund his sister's education (around ₹3.5 lakh) and other family expenses over the years. His sister earns around ₹45k/month and is married to a financially well-off husband. Despite this, they contribute nothing toward the family's financial burden. She also owes him money that has not been repaid.
His personal spending consists of cigarettes, alcohol, gym, and occasional movies, but compared to the debt burden, it's relatively small.
What bothers me is the family dynamic.
When he keeps arranging money, everyone is fine. When he says he can't afford something, he's called irresponsible. Recently, he told his father he couldn't continue supporting the family at the current level because he's drowning in debt. His father verbally abused him and threatened to throw him out of the house. His mother stayed silent.
To be fair, the father has his own financial trauma from years of unemployment and debt. But at this point, my friend feels like he has become the family's primary financial safety net despite earning the least among the earning adults involved.
He's mentally exhausted. Every few days he's scrambling to rotate money between cards and loans. Recently, ₹80k got stuck in a transaction, and he panicked because multiple EMIs were due.
His parents recently suggested that he buy term insurance because the family depends heavily on his income.
What strikes me is that between the father (₹60k/month) and my friend (₹37k/month), the household income is already close to ₹1 lakh/month. Add a sister earning ₹45k/month and a financially comfortable brother-in-law, yet the person carrying the biggest financial burden is the one earning the least.
My questions:
Looking for practical advice, financial perspectives, and experiences from people who have been in similar situations.
Recently my mom opened an account in canara bank. After a week, we recieved a call from a guy, he said he is from bajaj and they are delivering our TV. We said we didn't order any. They were like "this is like prepaid blabla". My mom immediately smelled a scam and blocked the number. That person called 6 times after. Then after some time, another guy called and said "there is a tv installation booked for your number". My mom said she didn't do any. He told her "ok some mistake might have happened, can you please share the cancellation OTP". My mom thought it was legit mistake from their side and said okay send OTP. Luckily dad was beside so he snatched phone and blocked the number.
And so many ppl are calling saying are you interested for loans/credit cards. These calls are not even from spam numbers or company numbers. This has become too much!
usually in tier 1, we can see plenty of rich hangout spots. vizag lo, other than restos, cafes coudlnt find anyone. and these days andaru looking rich but the actual rich ppl, where do they hangout? what do they do? what made them to grow that much? how does their thinking is different than most of the population? ila telskodnki i want to observe and talk to self grown and born rich folks.
Guys, govt should do something. 2 days nundi chala hot undi, skin burn avtunatundi. Dehydration enni litres taagina sare. Andarki AC lo 24/7 unde privilege undadu. Some has field works. Something is wrong, intha hot Enduku untundi asalu.
And electricity rates pelipotunai, water availability taggipotundi. Tankers medha survive avalsi vastadi emo. Upendra UI movie jarige la undi. Salaries peragatledu. Taxes kadutunam. Salaries are not low enough to get freebies. Not high enough to live comfortably. Deniki todu Gajuwaka side pollution chepakarledu. Free arogyasri health insurance lu ki eligibility lu levu, ala ani emina ayi hospitalise aithe pay chese capacity ledu. Ilanti middle class vaala paristiti enti? Upper to rich, valu Bane chuskogalaru cuz income untadi. Lower mid to below, govt help chestadi. Majilo manaki ani cuttings e, em additions levu.
Sare justice kuda akarledu, breath cheskune la clean air, manchi ga water, Good electricty rates, climate kosam Edina chesthe bavunu.
I think govt should do something. We all shld mayebe request govt to plant more trees, take actions for the increase in temp rise. They should promote things that helps to reduce temp.
I am a 2021 grad. I worked for almost a year but was on the bench fully. Got laid off. Then tried for govt jobs. Didn't get any. Now I want to get back to IT. What should I do. I am currently learning java + spring boot. Please give me suggestions 🙏
I’m a 2021 ECE BTech graduate from India. I’ve had a long career gap and now I’m trying to seriously rebuild my life and career.
I decided to give IT one final focused 30-day attempt before deciding whether to continue or switch paths.
Current plan:
Apply for fresher/junior/intern roles
Even unpaid internship or 10k salary is fine initially
Joining a study room + gym from Monday to become disciplined again
My current skills:
Java
Java 8
SQL
I’m mainly looking at:
Java backend trainee roles
Support roles with growth into development
Small startups
Internships/apprenticeships
Things about me:
Don’t want to do Masters
Want to stay in India
Business is not for me
Scared of getting stuck permanently in BPO/customer support
Okay with small starting salary if there’s long-term growth
Main worries:
2021 passout gap
Low confidence
Seeing people say market is bad for freshers
Feeling like I’m too late already
Need honest advice from people in IT:
Is Java backend still a realistic path for someone like me in 2026?
What roles should I target to get entry fastest?
If IT doesn’t work out, what careers in India still have growth without Masters?
Please give realistic advice, not just motivation.
​
I’m a 2021 ECE BTech graduate from India. I’ve had a long career gap and now I’m trying to seriously rebuild my life and career.
I decided to give IT one final focused 30-day attempt before deciding whether to continue or switch paths.
Current plan:
Apply for fresher/junior/intern roles
Even unpaid internship or 10k salary is fine initially
Joining a study room + gym from Monday to become disciplined again
My current skills:
Java
Java 8
SQL
I’m mainly looking at:
Java backend trainee roles
Support roles with growth into development
Small startups
Internships/apprenticeships
Things about me:
Don’t want to do Masters
Want to stay in India
Business is not for me
Scared of getting stuck permanently in BPO/customer support
Okay with small starting salary if there’s long-term growth
Main worries:
2021 passout gap
Low confidence
Seeing people say market is bad for freshers
Feeling like I’m too late already
Need honest advice from people in IT:
Is Java backend still a realistic path for someone like me in 2026?
What roles should I target to get entry fastest?
If IT doesn’t work out, what careers in India still have growth without Masters?
Please give realistic advice, not just motivation.
Guys my mom knows basic English but can't talk properly, doesn't have much awareness on grammar. We are looking for online spoken english classes. She is a housewife. Please suggest if you know any.