When you work for ₹100, your returns are only ₹72 and you spend ₹85 and thus you will have no bank balance. The only remedy is understand your horoscope and be careful in overspending. Read Srimad Maha Bhagavatam daily and you will find some relief. http://srimadbhagavatam.org/contents.html
Give me your feedback after 3 months and also you can read my blog navagrahastro.blogspot.in to get a better insight into Astrology.