1. lakshmi evan annapurna kripa sharad purnima ke din naye safed kapre ko haldi ya keshar se rangakar pila kar len. dipavli ki ratri men is vastra par 3 mutthi nagkeshar, kuch tanbe ke sikke ya chandi ki choti si charan padukayen rakhakar potli bana den. dipavli pujan ke sath iska bhi pujan karen. pujan ke bad agli subah is potli ko rasoi ghar men unchai par tang den. iske bad chamatkar d ekh e n. yadi kisi karan dipavli par nahin kar payen to kisi shukla paksh ki pratipda (parva) athva pratham budhvar ko kar sakte hain.
2. lakshmi ka sthai nivas dipavli ki ratri ko is yantra ko bhojapatra par ashtagandh (ya keshr) se tatha puja sthal ki divar par sindur se likhen. pratham sabse chota, fir bare, fir usse bare ank kramanusar hi likhen. yantra ke madhya men roli ka tilak kar dipk-dhup-prasad arpit karen. man se apne ghar men sthayi nivas karne hetu prarthana karen. bhojapatra ke yantra ko chandi ke tabij men bharakar, lal reshmi dhage men bandhakar gale men latka len tatha divar ke yantra ki nitya puja karte rahen.
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3. karobar par lakshmi kripa apke kisi vyavsay, dukan adi men hani ho rahi hai to apne vyavsay sthal par ‘shri yantra’ ki sthapna karen. yantra ki tilak, pushp, dhup, dip adi se pujan karen. kamalagatte ki mala se’’ un shri shukla mahashukle nivase shri mahalakshmi namo namah.’’ - 11 mala mantra jap ratri men hi karen. pratah prasad ko bachchon men bant den. dukan adi men sthapit yantra ki dhup-dip ke sath puja kar mantra ki ek mala avashya jap karen. apko ek mah men prabhav dikhai dene lagega.
4. shighra dhandayak upay apne dipavli pujan m e n ja e dhan/chaval ya khilen arpit kiye h ai n p ratah unka e hi ekatrit karak e 11 kauriyon ke sath lal vastra m e n ba ndhakar dhan sthan (tija eri/s ef) men rakhne se varshabhar lakshmi kripa bani rahti h ai, nitya puja bhi karen.
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5. berojgari ke lie dipavli ki ratri men apne ghar ke pratyek kamre v mukhyadvar par gehun ki choti-si dheri banakar uske upar shuddh ghi ka dip jalayen, jo rat bhar jale. yah upay berojgaron ko rojgar dilata hai.
6. karj se mukti ke lie dipavli ke pujan se purva ap kisi lakshminarayan ya durga devi ke mandir men jayen, pujari se apne nam se puja evan arti karvayen, dan-dakshina evan lal rang ka vastra use dan men den. mandir men arpit dipak se ek dusra dipak jalayen aur use ghar par lakar, ab lakshmi-puja karen. is dipak men ratabhar ke lie paryapt ghi bhar den. agli subah ate ka ek ipak banayen usmen sarson ka tel dalakar, ratri ke dipak se jalakar kisi nikat sthit chairahe par sthit pipal k e nich e arpi t kar ay e n, vapsi men piche murakar n dekhen. ghar men pravesh se purva hath-pair avashya dhoyen.
7. dhanteras ko 5 chandi ke tatha sone k e vark tatha 7 nariyal (ekakshi nariyal hon to achcha hai) len aur ghar ke mandir men rakh den. dipavli ki ratri puja men lakri ki chaiki par ek lal kapra bichakar inko us par rakh den. puja ke bad kamalagatte ki mala se ‘shrin’ mantra ki 3 mala jap karen. iske bad saton nariyal tatha varkon ko lal vastra men hi bandhakar, tijori men, dhan rakhne ke sthan men rakh den.
8. arthik badhayen dur karne ka upay dhanteras se dipavli tak, lagatar tin din sandhyakal men ‘shri ganesh stotra’ ka path karen. path ke bad koi hari sabji ya hara chara ya ghas gay ko avashya khilayen.
9. karj se mukti evan dhan labh hona narak chaturdashi (choti dipavli) par lakad i ki cha aiki par lal vastra bichakar us par, lal chandan, lal gulab tatha thori-si roli rakhakar potli banayen aur uska pujan karen. pratah is potli ko tijori men rakh d e n. tin mah bad shukla paksh k e pratham manglvar ko is potli ko nikalakar dusri potli ko tijori men rakhen aur purani ko jal men pravahit kar den. is tarah pratyek 3 mah men potli badlte rahen. ap dekhenge ki apka karj chukta ja raha hai aur dhan sangrah hota ja raha hai.
10. vyavsay men rukavat tatha dhanagam avruddh dhanteras se dvitiya tithi (bhai duj) tak sayankal men ek bedag ninbu len aur sayankal men chairahe par jakar, usko char bhagon men katakar charon margon par fenk den aur bina piche dekhe ghar a jayen. ghar men pravesh ke samay hath-pair avashya dhoyen. dhan ayega, vyavsay men vriddhi hogi.
11. karj mukti, arthik unnati ka upay: dipavli ki ratri men 125 gram kali rai hath men lekar apne ghar ki (ya apne hi sthan par ghum jayen-ghar alag n hone par) tin parikrama lagayen. tisre chakkar m e n ghar s e bahar nikalakar kisi tirahe par akar man men ‘‘un shrin hrin klin mahalakshmyai namah’’ ka jap karte hue thori-thori rai dason dishaon men fenken tatha bina piche mure ghar vapas a jayen v hath pair dhokar ghar men pravesh karen.
jivan men jarurat hai jyotishiya margadarshan ki? abhi bat karen fyuchar point jyotishiyon se!