Jai Sairam Manoj ji,
We all are facing problems in our life, but the thing is that "how you take it". If you fight back with the problems, the it wll definitely get resolved, then a new problem will come, so constantly we have to fight fight & fight... and it continues..........
We have to figure out - what is the present and future commitments and have to plan accordingly, do we need to upgrade ourself with some latest technologies, which can yield extra income and the efforts to achieve it, spend money on necessay things only and safe some for future. Manoj ji.. these are the practical guidelines on which we have to survive and i am working on these lines.
Trust and Faith in God is necessay as they support in our efforts. If we want Saibaba to hold us, then we all have to raise our hands towards him.
I will pray Shri Saibaba to bless you.