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Last year (2016) was a pretty bad year in terms of my finance, check this article from the experts if you are having one of those years https://masteryourmoneynow.com.au/how-premiums-are-calculated/, it will help you much. The cash crisis hit my business in a very bad way. Currently the loan taken from SBI is still pending in a big way. More over I am having some personal issues. My son is having developmental issues and that too is causing burden to my financial crisis.
This year has started in a bad way. My uncle RajMohan (my mothers elder brother) has passed away.