Harder you work the luckier you get. This still holds true. Cause there is no substitute to hard work. But when it comes to finances there are some small remedies which can be done to improve financial condition. Below are simple remedies which when done improve finances in ones life.

     Most people who are in heavy debts love to take loans for silly reasons like buying a mobile or buying a car or travelling abroad. They just don't realize all of them are depreciating assets whose value will decrease over a period of time. A car's value starts decreasing the moment it leaves the showroom. A mobile is worthless in five years time. Travelling abroad on borrowed money maybe able to impress others but unfortunately those who are impressed won't come to pay off your loans.

     One should only take loan to buy appreciating assets like a house. One should even avoid buying gold and good stocks on borrowed money although they are appreciating assets over a period of time.

     The single biggest reason for considerable debts is not repaying loans on time. For example a loan of ten lakhs(1 million) can turn into thirty lakhs thirty thousand(3.3 million) over a period of 10 years if there is twelve percent interest levied on it. Same amount comes to eighteen lakhs(1.8 million) if paid in five years.

     Most people make the mistake of looking at monthly installments which need to be paid and not looking at overall total they pay over the course of time. That is why they stay in debts.

     This may sound too simple but horoscope sometimes favors certain type of saving/investments over others. For example a person with a bad second house and a good fifth house won't be able to save any money in banks or wallets but would make a fortune out of stock market investments.

     Readers can use our software: Where To Invest to know the places where savings/investment is favorable according to their horoscope.

     Shreem is the beej mantra for Goddess Laxmi who is the goddess of wealth and prosperity. Beej means seed in sanskrit. You need to plant a seed for tree to grow. Similarly you need to speak the beej mantra Shreem for your wealth to grow. And Shree Yantra is the diagrametic representation of supreme form of goddess. Putting Shree Yantra in north-east(known as kuber direction) corner of house/business and speaking the shreem mantra or any mantra with shreem in it has been shown to increase wealth and prosperity.

     Quite a quick and easy remedy. You just need to keep a currency note whose unique number ends with number 9. Sample one and sample two show currencies of India and US which end with 9. One must keep this currency in their pocket or preferably in their locker where they keep money. This should increase income flow in the house.

     Collect rain water when Moon is in Swati Nakshatra according to vedic astrology(niryana system) and store it in a bottle. Keep the bottle in the locker or place where you keep the money. This has been shown to increase income flow in the house.

     This may sound simple but its quite effective. Unless you have a check on income and expenditure you will always be short of money by end of month. Keep an accounts book or install an app on your phone and regularly keep a tab on income and expenditure. Subconscious mind would automatically trigger you to stop excess expenditure which means your savings would remain intact in case an emergency pops up.

     Many people lose a lot of savings due to impulsive buying. They may regret afterwards but damage is already done. One of the best known remedies to avoid impulsive buying is following the seven day rule. If you want to buy something expensive or exotic which is not a necessity than wait for seven days. This means your mind gets time to think rationally and clearly. If after seven days mind decides its best to buy the item than go for it. One can stop unnecessary expenditures on expensive items by following the seven day rule.

Shree Yantra remedy propogated by Dr. Pankaj Nagar

Nine number currency and swati nakshatra remedy mentioned by Utpal Pathak