Sairam, All sects of people - rich or poor have daaridrya. Rich in terms of peace and poor in terms of money. To get rid of daaridrya:
1. Homa - costs min of 10k.
2. Pilgrimage to Lakshmi temples - 10k cost for travel and stay.
3. Others
But still the daaridrya is not resolved. In Ramarahasya upanishad, there is a remedy given by Lord Anjaneya to overcome Daaridrya. The rishis discussed why a person takes loan, why necesity of loan came into picture, why he is not able to repay the loan/debt. Then they approached Hanuman who has been in all ages and many devotees go to Him for solution. The Lord said the name of Rama can resolve all kinds of daaridrya and saala bhaade.
When a person starts telling lies/cheats/backstabs, he/she will start getting into debts. In this state, Shani and Shukra are low. A woman who insults and talks ill about her husband spoils the soubhagya. Third reason for daaridrya is stealing others money, leaving parents, Gurus, dharma (religion). These reasons affect all the members of the family.
This Rama mantra can be chanted anytime, anywhere and hence is very powerful. This is a 20 letter Rama mantra
OM NAMO BHAGAVATHE RAAMAAYA
SARVA SOUBHAGYAM DEHIME SWAAHA
This gives prosperity and removes debts and poverty if chanted Saturday and Friday for 30 minutes. No need to wear diamond, donate black cloth, Wear Indraneela stone etc.
Tantra:
1. Take a glass of water.
2. Chant this mantra covering the hand on the vessel/glass.
3. Put this water to the Tulasi Plant after chanting for 108 times or for 30 minutes.
Keep doing this till the debts are cleared. Doing for a day or two will not yield any results.
Thanks.. Sairam
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