Introduction:
In the story "Bad ke Dinon mein", the narrator, who is a writer, explains the reasons behind her father's financial difficulties and the impact it had on their family. The story revolves around the struggles faced by the narrator's father, who was a well-educated and talented man but faced several unfortunate circumstances that led to his downfall.

Unstable Job and Financial Instability:
The primary reason for the narrator's father's financial difficulties was his unstable job and the resulting financial instability. He worked as a clerk in a government office, but due to frequent transfers and political changes, he was unable to maintain a stable job. This not only affected his income but also prevented him from establishing a secure position in his career.

Family Responsibilities:
Another factor that contributed to the narrator's father's financial difficulties was the burden of family responsibilities. He had to provide for his wife, children, and other dependents, which put a strain on his limited income. The expenses of education, healthcare, and daily living expenses added to his financial woes.

Health Issues:
The narrator's father also faced health issues, which further deteriorated the family's financial condition. He suffered from frequent illnesses, which required medical attention and added medical expenses to their already strained budget. The cost of healthcare and medicines became a significant financial burden for the family.

Lack of Opportunities:
Despite his qualifications and skills, the narrator's father faced a lack of opportunities for career growth and better-paying jobs. The limited job market and competitive nature of employment opportunities made it challenging for him to secure a higher-paying job that could alleviate their financial difficulties.

Unforeseen Circumstances:
Apart from the aforementioned reasons, the narrator's father also faced unforeseen circumstances that further worsened their financial situation. These could include accidents, natural disasters, or any other unexpected events that required additional financial resources for recovery.

Conclusion:
In conclusion, the financial difficulties faced by the narrator's father in "Bad ke Dinon mein" were a result of various factors such as unstable job, family responsibilities, health issues, lack of opportunities, and unforeseen circumstances. These factors collectively contributed to his financial downfall, causing hardships for the entire family. The story serves as a reminder of the challenges faced by individuals and families during difficult times and emphasizes the importance of financial stability and resilience.