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Live without any Fear

Live without any Fear

Live without any Fear. Fear is like a Break to a vehicle. Courage is an accelerator to a vehicle. Do not keep pressing the break then vehicle can not move. At the same time you cannot drive without applying accelerator. Both break and accelerator must be needed to drive a vehicle.

Whether you fear or do not fear, nothing is in your control. Universe will go on its own way, whether you fear or not. Fear is a state of mind or negative conscious which expects only negative. Life is full of uncertainties. Nothing is permanent. Everything including the world is perishable. You can not stop anything. You can not make anything. Have an attitude of let them go is best way to deal the life.

When we have fear our dreams, our speech, our action, and our behaviors are in a different manner than if we do not have fear. Fear stops you live happily. Certain fears are foolish; fear for death, fear for illness, fear for failures are stupid fears. When death, decease, failure come no one can stop it. You do not need to fear for such things, which you do not have control over them.

You can feel the difference when you act with fear and act without fear.

Example: You save some percentage of your current salary as a security to future. This is because of the fear of uncertainty about the future. But God comes to you and confirms that no need to fear about future. Your economy will be prosperous and you will have consistent income for the next hundred years. Then will you save money from your salary or spend fully. Those who have ‘fear of future’ save money for future. Remember you do not have control over next second.

How do kill the fear? Action cures fear. If you fear for driving, keep driving is the only way to cure the driving phobia. When you have fear of death strongly believe or keep saying mentally as you will live long, when fear of decease comes keep saying mentally as you will live healthy. When fear of failure comes, keep saying you will win. A positive pep talk or thought have great impact. Counter your fear with courage. Stop the negative by positive.

Fear is not out side, it is in the thoughts. It is the thoughts which maintain the fear as cauldron. If you change your thoughts, fear will disappear. If you fill your head with courage, you show courage. If you fill your head with romance, you reflect romance. If you fill your head with fear, you reflect fear. But whatever you reflect, life goes on its own way. Life does not bother what you stuff in your head. So it is better to fill the head with tranquility. Fill the head with a sense of well being.

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I am a victim of Real Estate boom happened in Chennai

I am a victim of real restate boom happened between 2003 to 2010. I determined not to go for loan to buy a home. My determination got broken when real estate boom was in peek in 2010.

I was obsessed when relatives bought home. I decided to buy a home through loan. The obsession to buy a house in 2010 was beyond resistance.

I got a pre-approved home loan from Axis bank. I saw various advertisement related flats. Visited various flats nearly 40 to 50 kms from my current home. For my budget flats were available at such distance only.

My budget was 20 lakhs.

I managed to find a flat 30 kms away from my current home – saligramam. A flat 30 kms away which met my budget.

With loan and pledging jewels for down payment, I purchased flat in 2011. There were few flats and shops in that area in 2011. Now there are countless flats and shops in 2019.

After purchasing the flat, I shifted to that flat. My wife and kids were not able to live there. Within one month, we shifted back to Saligramam. I had to pay the Housing loan EMI and rent. I paid both emi and rent for 7 years.

For the society, I purchased a home. Actually I purchased a home loan, not home. I need to close the loan in order to own the home. Till then home is pledged with Axis bank.

In 2018, I pre-closed my loan by luck. I got good severance package from my employer. I closed my loan with severance package i received.

Now, I want to sell my home. Becauae, I never going to live im my home, because we comfortably settled in Saligramam. We dont have the amenities of Saligramam in West Tambaram.

There is no buyers now. I reduced the price to same price as how much i bought. Interest and principle i paid in seven years are loss to me. Market price has not grown upto realise interest paid towards home loan. I supposed to sell my flat for 28 lakhs to cover the interest paid, but i have quoted 20 lakhs to broker – actual price i bought the flat.

There were many unsold new flats in West Tambaram, so buyers has not shown interest in my flat though i reduced price to damn cheap.

I am not in urge to sell my flat, I am waiting patiently.

Good thing is I spent 20 lakhs to buy the flat. If i had gone for 40 lakhs or more then my situation would be miserable now. I would not be able to close my loan with severance package if i loan amount goes beyond 25 lakhs.

Right now, I am without any debt, I own a home for name sake – pride factor only, not living in own house, living in a rented home. My emi, interest, principal I paid towards my home loan is a loss to me, which will come around 8 lakhs.

Due to real estate boom, I lost eight lakhs, and I own a hard to sell asset, had tension to pay the EMIs without failing single due.