Leo
You are not making any progress because of your pessimistic attitude. It's time for you to realize that worry has slowed your thinking power. Look on the bright side and you will see a definite change in your conscience. Those who were spending money unnecessarily till now will understand how difficult it is to earn and save money, as a sudden need will arise in the midst of financial crunch. Your stubborn nature can disturb the peace of your parents. Even if you are alone, there will be a million things running through your mind. Your spouse will appreciate you today and appreciate all the good things about you.
Read here, The Benefits of Neelam (Sapphire) Gemstone