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FINANCIAL ASTROLOGY: HOW WILL YOU SPEND? (PART 1)

Importance of 12th house in Vedic Astrology:

 As per the Vedic Astrology, the 12th house is considered as the malefic house. But the 12th house and the 12th house lord has many important role to play in our life. The 12th house indicates the following issues in detail.

Why is 12th house is important?
The 12th house indicates the expenses, losses and wastages in our life. Hence the Readers can't wish away the importance of the 12th house. Any increased/sudden expenses or wastages or losses could totally upset the native's financial life.
Moreover, you need to spend, so that you can buy something both in materialistic form or through services @ nobody can avoid expenses altogether in the life. Even a miser will be spending some money to meet his/her basic life necessities.
If the 12th house lord is weaker, then it indicates that the particular person will have no or less money to meet his/her expenditure needs. The Readers may ask me a question like this:

Question: If a person has strong 2nd house (House of Finances) and weak 12th house (House of Expenses), then the person will remain rich because of the strong 2nd house lord? If the 12th house lord remains stronger, then it increases the expenses (outflow) of money. Hence the person's financial position will shrink due to the excessive expenditures. Then, why should we have a strong 12th house? 

Answer: For example, a Girl is wedded to a Boy, who is employed and earning good amount as salary. The Girl is not employed and remain as a house wife for various reasons. The wife is given a limited amount by the husband to meet the day-to-day house expenses. That is, the Girl will not have the money to buy or spend anything she needs or want; but she needs to ask her husband everytime for her financial needs. That is, she is rich, but do not posses the money to spend on her own @ the weak 12th house lord will create deficient financial situation in the life, even to meet the basic life necessities. 

What happens with the weak 12th house lord?

In short, a weak 12th house lord makes the native to rely or depend on others to meet their expenditure needs. If the 12th house lord is placed in malefic houses or gets debilitated or gets combusted or remains retrograde or any of these combinations; and also gets poor strength in the Ashtakavargha , then the person can't have economical freedom. If the 12th house lord from the Moon sign and Sun sign is also placed in malefic houses or gets debilitated or gets combusted or remains retrograde or any of these combinations; and also gets poor strength in the Ashtakavargha, then the person needs to completely rely on others to meet their basic needs.

Effects of weak 12th house lord:

1. The person will run out of money, which might make him/her to ask for financial support or assistance through contributions or borrowings or debts or suppliant.
2. A person will face sudden cash crunch due to loss or theft or damages to their assets.
3. A person will face sudden cash crunch, when he/she faces litigations and his/her assets are frozen.
4. A person will face cash crunch, because the needs of the expenditures could be
 too high to meet with his/her available financial strength.
5. The weak 12th house lord from Lagna/Moon sign/Sun sign indicates the possibility of making the native to beg or plead for financial help.

We shall study the pattern and functioning of 12th house lord:
1) How do we spend?
2) How much we spend?
3) Where do we spend?
4) When do we spend?
5) What for we spend?

How do we spend? How much we spend?
Let us see the spending patterns of every individual. Please note that nobody in this world can't control or reduce the expenditure to a zero level @ everybody from a beggar to a millionaire will be spending money on daily basis.
1. If the 12th house lord is placed in the 12th house or placed in its own house or gets exalted, then the person will not spend more @ the person will remain very judicious in spending.
2.  If the 12th house lord is placed in the 12th house or placed in its own house or gets exalted; also the 12th house lord is stronger in Ashtakavargha, then the person will be spending more money despite his tight control over the expenditure @ the expenses would be thrust upon them.
3.    If the 12th house lord is placed in the 12th house or placed in its own house or gets exalted; also the 12th house gets weaker strength in the Ashtakavargha, then the person will spend very less money and would have water tight control over his/her expenditure needs.
4. If the 12th house lord is placed in a friendly house, then the person will have reasonable control over his expenditures.
5. If the 12th house lord is placed in a friendly house and gets good strength in the Ashtakavargha, then the person will maintain excellent balance between his expenditure needs and his/her wish to control the expenditures @ he/she will spend money for the necessities without placing any limitations; but will not allow the expenses for unwanted items or issues.
6. If the 12th house lord is placed in a friendly house and gets weaker strength in the Ashtakavargha, then the person faces deficient money to meet the expenditure needs, despite maintaining tight control over the expenditure needs.
7. If the 12th house lord is placed in the enemy house or gets debiliated or gets combusted or gets retrogarde in movement, then the person will remain as a spendthirft.
8. If the 12th house lord is placed in the enemy house or gets debiliated or gets combusted or gets retrogarde in movement; and the 12th house lord gets good strength in the Ashtakavargha, then the person will remain completely irresponsible and spend more money in an extravagant manner.
9. If the 12th house lord is placed in the enemy house or gets debiliated or gets combusted or gets retrogarde in movement; and the 12th house lord gets weaker strength in the Ashtakavargha, then the person will remain as a spendthirft and faces cash deficiency even to meet the basic expenditure needs.

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