Lakshmi Puja

Lakshmi means Laksh – “the Goal”
Lakshmi puja is one of the important rituals performed on the festival of Diwali by Hindus, Sikhs, Jains and Buddhist. Lakshmi is the goddess of light, beauty, good fortune, money and prosperity. People clean their houses, offices, shops and industries and also decorate it with lights and lamps and make rangoli in front of their premises, rangoli give auspicious start to the festival, to welcome Goddess Lakshmi. Out of five days of festival, third day of festival is Lakshmi Puja day, on Amavasya ( new moon day) of Krishna Paksha (Dark fortnight) in the Vikram Samvat Hindu calendar month of Ashwin, all family members get together and offer prayers. Lakshmi puja has to be done during pradosh kaal which starts, after sunset and remains for 2 and half hours.
A piece of new red cloth should be spread on the raised platform. A handful of grains are sprayed in the middle of the cloth, a kalash made of metal is filled with water mixed with ganga jal , is placed on top, 5 pan leaves, and coconut are also decorated on kalash, a flower, a coin and some rice grains are also kept together. A lotus is drawn over the rice grain with turmeric powder. The ideal of Lord Ganesh and Goddess Lakshmi are placed in the front. Goddess Lakshmi is bathed with panchamrit (A mixture of milk, butter, curd, honey, sugar, tulsi leaves) and then with water. Her idol is cleaned and placed back. Then turmeric (Haldi) and kumkum (Red vermillon) is offered to goddess lakshmi. A lamp and incense is lit. A Swastika symbol is drawn on the safe, vault and the important business books, it is worshiped as a symbol of Lord Kubera. Also (Diyas) light is lit, in the evening the family members get together and pray first Lord Ganesha, after that they worship Goddess Lakshmi, for the success, happiness and prosperity. People worship Goddess lakshmi and recite a special mantra for 108 times, and aarti is performed for the prosperity. Then sweets are distributed as prasad to the people who get together. After that crackers are burn to complete the puja.
Ganesh is worshipped at the beginning of every auspicious occasion. On this festival we worship lakshmi the goddess of money and wealth, Sarswati the goddess of knowledge (books), Kubera the treasure of devas.
During this festival people exchange gifts, sweets and good wishes with each other to recognise important relations and friends. All the energies like smell, taste, touch, seeing, hearing exist together on this festival. On this day, the mothers, who work hard all the time are recognised by the family. Mothers are seen to embody a part of Lakshmi, the good fortune and prosperity of the house.

Financial Security

What makes a person secure about something? As security expert Bruce Schneier states, “Security is both a feeling and a reality.” The belief of not having enough is what makes one insecure. It is important to cater to the internal and external reasons for insecurity and then work towards the awareness of releasing yourself from the pattern or mental block

Let us see what gives us external financial security

Steady income. This is the foremost factor that makes one feel secure. If you have a steady income, your lifestyle expenses and the running costs are taken care of

No Debt. The lesser the debt, the lesser the stress. Clearing present debts gives a sense of empowerment. Credit card debts are a strict NO-NO Mortgages increase the pressure and hamper one’s mental health

Insurance. Life, health and so on. Accidents can and do happen, and if one is adequately insured, he is saved from financial ruin. Insurance provides protection to the assets built by your hard earned money

Emergency savings and Investments. This is a safety net for urgent or unforeseen expenses or more serious ones like illness or unemployment

Homeownership. Is probably the biggest financial and emotional decision of a person’s life. It gives a person a sense of pride and security

When all these are achieved one gets a sense of financial security. Now the question is how does one attain these goals With a basic understanding of saving, budgeting and investing, the probability of a solid financial future increase

Act and Earn

Financial security can be increased by financial literacy
Extra income never harmed anyone. Have an additional stream of income apart from the regular, steady source for the unforeseen events that lie ahead

Plan a budget and stick to it

Plan a practical budget. Consider all your expenses including rent, utilities, food, tuition fees, transportation and any other miscellaneous expenses. If after all this you are in the negative, you need to trim your budget. If in the positive, its time to save.

Think before you spend

Like time, spending money also expands to one’s income. Prioritize your expenses. Spend less than you earn. Dispensible expenses can be cut and the same finances used to find the bigger dreams in life. This will need some self-control but will reap high benefits in the future. Live simply today to have a comfortable tomorrow

Save

Saving will help improve net worth. Have a portion of the income automatically go into term deposits or other investments, compulsive savings is the only way one can get into the habit of saving. Spend what is left after saving. Have daily, monthly and annual goals for savings. One very important thing to remember while investing is ‘Do not put all your eggs in the same basket’ so you have a backup that you can bank on. Choose something to save for, a house, your child’s education or your retirement.

Be Debtfree

Take loans as far as possible only for the most important assets, home, education loan. Pay bills on time, it not only saves you from paying penalties but also gives you a good credit score. Never borrow money to support your lifestyle

Protect your assets

Risk management is an important aspect of protection of assets. Protect yourself, get a health insurance; and life insurance to protect your family

No Procrastination, no waiting for a magic solution. Pull up your socks and start working towards a financially secure future!!

By NSS

20thJan2018

Simple Money Saving Tips For Students

Penny saved is Penny earned, how often do our parents quote Benjamin Franklin. This quote teaches us life’s important lessons of self-control and discretion so we can save and spend the money well on the right things at the right time.

Here are a few tips on how as students, you can not only make do with the tight budget but also save money to spend it well on that dream you secretly guard.

*Plan your budget and stay focused. Know your recurring expenses and keep some amount aside for the accidental expenses that you might encounter.

*Pay bills on time or even before the due date to avoid late fees and get early bird discounts

*Buy grocery from the supermarket that offers maximum discounts, plan your visit to the supermarket so that you have a list ready to avoid impulsive buying. Negotiate and haggle on purchases that permit it

*Make sure you have no dues on your credit cards, lest you waste your money paying unwanted interests. This will even help you have a better credit score for future loans and purchases

*As far as possible use Public Transport or carpooling or a two-wheeler pooling to save on fuel. Short distances can be walked to or cycled to, thus saving your Gym membership expenses as well.

*Join a local library so you can borrow the books you like to read. Buy used textbooks or reference books, they would be cheaper and often have the important stuff highlighted 😉 and tips written on the corners of the books that turn out to be more helpful than the material in the textbook itself. Photocopying a reference book also can be done.

* Say NO to tempting and expensive brands. Brands are for the future you, not the present you.

*Party at home rather than in extravagant places. Where ever possible, encash on student discounts or bulk discounts, like a food joint or lounge. Also, there are weekdays when these places allow free entry to students, party on those free days.

*Kick the butt, stay away from vices that leave you in debt.

*Try earning scholarships for various courses

*Use WiFi where ever possible, make sure you have a pre-paid data plan so you do not overindulge

*Plan your travel well in advance to get cheaper deals

Now that we have gone through tips on saving money, here are a few on how to get the extra income*Coach other students on academics or any form of art like playing a musical instrument or a dance form or a sport which helps you make the extra bucks

*If something is not useful to you anymore, try selling it to someone who can find a use for it personally on various websites available thus making the extra pocket money

*Working at the local coffee shop is also an option that can be considered.

With power packed determination and dedication “Mission Savings”
here we come!!!

Dhanteras

Dhanteras

Dhanteras is the beginning of Diwali the biggest festival of Hindus, the festival of lights. On this day Hindus worship Goddess Lakshmi and Lord Kuber. (Lord Kuber is treasurer of money and Gold). It is believed that Goddess Laxmi came out from Kshir Sagar (Milky Ocean) holding a pot of gold and money in her hand on this day. As per Hindu rituals, on Dhanteras people buy some new things of metal like steel utensils, silver coins, gold jewellery, or items made of iron and copper. This festival falls on thirteenth day of Kartika month. On Diwali people wear new cloths and decorate their houses, offices, shops, and industries to welcome Goddess Laxmi. In front of the houses people also make rangoli, and make foot prints signifying the presence of Goddess Laxmi. People light colourful diyas and welcome Goddess Laxmi.
Housewives light diyas after sunset for Lord Yama.

There is story of King Hima’s son, whose death was predicted on the fourth day of his marriage by a snake bite. As the new wedded bride came to know about it, she built a heap of her gold ornaments on the door of the bedroom and kept her husband awake the whole night by talking and singing for him. When Lord Yama in form of snake visited in the palace to bite the prince, he was blinded on seeing dazzling metal. Since Yama missed the set time of death of prince and prince was saved, also leading to the celebration of Dhanteras. Even today some people keep lamps burning through the night on Dhanteras.

In the evening, the family members get together and pray first Lord Ganesha, after that they worship Dhanwantri, for good health and wellbeing of their family. People also pray God, who holds the kalasha full of nectar of immortality, Lord Dhanvantri removes all the fears and diseases. The Lord Dhanvantri is empowered to heal our souls also. Dhanteras is also called Dhanvantari Trayadashi. Dhanvantri is also worshipped on the occasion of Dhanteras, is the God of Ayurveda for betterment of man and help to get rid of the suffering of disease. National Ayurveda Day was first observed on 28t Oct., 2016.

During the Pradosh Kaal which is the time after sunset and remain for about two and half hours, Goddess Lakshmi is worshipped on Dhanteras. A piece of new red cloth should be spread on the raised platform. A handful of grains in the middle of the cloth, a kalash filled with water and mango leaves, water mixed with Ganga jal, a fruit, a flower, a coin and some rice grains are also kept together. The idol of Lord Ganesh and goddess Lakshmi are kept on grains. The important business books are also kept. Also (Diyas) light is lit, and offer prayers for the success, happiness and prosperity.

This year Dhanteras festival will be on 5th November 2018. We wish you all happy and prosperous Dhanteras in advance.

Eight forms of divine Goddess Lakshmi

Eight forms of divine Goddess Lakshmi –“ Ashta Lakshmi”

Devi Lakshmi –The Hindu Goddess has eight forms :- Prosperity, Health, Wealth, Beauty, Knowledge, Strength, Progeny and Power. T

1.Aadi Lakshmi– The Great Goddess – Maha Laxmi
This form of Goddess Lakshmi is portrayed as four hands, wearing red sari, holding a lotus and a white flag in her two hands while the other two hands are in Abhaya and Varada mudra.
The Aadi Lakshmi is daughter of sage Brigu. Wife of Lord Vishnu.
Aadi Lakshmi or Maha Laxmi is the Goddess of wealth, beauty, prosperity and fortune. She came out of the kshir sagara (the milky ocean)

2.Dhana Lakshmi– The Goddess of Wealth and Prosperity
This form of Goddess Lakshmi is portrayed as six hands, wearing red sari, holding a discus, a conch, the holy pitcher, bow, arrow and the sixth hand is in abhaya mudra with gold coins rolling from her palm.
Dhana Lakshmi is Goddess of money, gold and power.

3.Dhaanya Lakshmi– The Goddess of food Grains.
This form of Goddess Lakshmi is portrayed in green sari and having eight hands. Holding two lotuses, a mace, a sheaf of paddy, sugarcane, bananas and other two hands are in abhaya and varada mudra.
Dhaanya Lakshmi is Goddess of food grains. The basic need.

4.Gaja Lakshmi– The Elephant Goddess
This form of Goddess Lakshmi is portrayed by two elephants bathing her with water posts as she sits on a lotus, she is in red sari and having four hands, holding two lotuses, other two hands are in abhaya and varada mudra.
Gaja Lakshmi is Goddess of transportation.

5.Santana Lakshmi- The Goddess of Progeny
This form of Goddess Lakshmi is portrayed as six hands, holding two pitchers, a sword, and a shield, in one hand she is holding a child and remaining one hand is in abhaya mudra.
Santana Lakshmi is worshiped in this form to beget children and continue the name of the family.

6. Veera Lakshmi- The Goddess of Courage
This form of Goddess Lakshmi is portrayed as wearing red sari and is having eight hand , holding a discus, a conch, a bow, an arrow, a sword,a book, remaining two hands are in abhaya and varada mudra
Veera Lakshmi is Goddess of courage to fight against evil.

7.Vida Lakshmi- The Goddess of Knowledge
This form of Goddess Lakshmi is portrayed as sitting on lotus, wearing a white sari, having four hands, holding two lotuses on both hands, with other two hands are in abhaya and varada mudra.
Vidya Lakshmi is Goddess of knowledge (Goddess Saraswati or sharda)

8.Vijaya Lakshmi- The Goddess of Victory
This form of Goddess Lakshmi is portrayed as she is sitting on a lotus wearing a red sari and having eight hands, holding a discus, a conch, a trident, a shield, a noose, a lotus and remaining two hands are in abhaya and varada mudra. Vijaya Lakshmi is worshiped for victory and the success in all our ventures.

These are eight forms of Laksmi mata , all Hindus worship Maa on Diwali. The biggest festival of Hindus and seek her blessing.

How to remain Happy ?

Most people have no control over their emotional well-being. It is said that life is a matter of choices. Being happy is a choice. Decide, “Whatever the circumstances I want to be happy and I will be happy always.” There are no terms and conditions for happiness. Most people are as happy as they decide to be. Happiness doesn’t depend upon who you are or what you have. It depends on what you think . Our basic psychological needs include feeling loved, secure, and good at what we do. You also want to have a sense of control. Money doesn’t automatically fill these requirements, but it sure can help. I’ve learned to look for ways to spend money to stay in closer contact with my family and friends; to promote my health; to work more efficiently; to eliminate sources of irritation and marital conflict; to support important causes; and to have enlarging experiences. For example, when my sister got married, I splurged on a better SMART PHONE . It was expensive, but it gave me a lot of happiness . We expect others to treat us better than we treat them. We work out a few times and stress because we don’t instantly look like models. We want to live like rockstars, ignoring the fact that only a few people reach that level of success .In short, we tend to have unreasonable expectations. The difference between what we feel entitled to and what we actually get is the source of much misery .Accept life in its entirety; stop thinking in terms of what should be and accept what is. When you live without entitlement, every good thing becomes a wonderful surprise. Even better, expecting nothing means never being disappointed. Expectation is also the root cause of all the sorrows . “The best remedy for those who are afraid, lonely or unhappy is to go outside, somewhere where they can be quiet, alone with the heavens, nature and God. As long as this exists, and it certainly always will, then there will be comfort for every sorrow, whatever the circumstances may be.” Anne Frank
Here are few ways that I follow. Hope they help you too.
A. Hang around with positive people who make you smile. Avoid those who are perpetually complaining and criticising.
B. Always remind yourself that nothing is more important than your peace and happiness. You are born to be happy!
C. Always keep a goal in life, something to look forward to. That will keep you motivated.
D. Try to make the best of every situation. Spend time reading, watching movies, exploring your hobbies and most importantly travel. Travel as much as you can. Focus on collecting memories that last a lifetime. 

Conclusion
At the end of the day, bad things will happen to you. You will have highs, lows and lots of mediums in your life. You’re only human, just like everybody else. So Just change the attitude and thinking towards it . IF YOU WANT TO BE HAPPY – MAKE OTHERS HAPPY – Dada