Welcome to the forum.
As per the birth details you can go for diamond or white zircon to boost your luck. However i can see you have struggled and struggling hard to gain the things and you have been every time got the things very much late in life. So wearing above gemstone would benfit you by increasing luck factor. Along with these you could chant the below mantra as well to boost it
OM BRHAAM BRHEEM BRHOUM SHA RAHVE NAMAHA!!! FOR 4 TIMES MIN
OM STRAAM STREEM STROUM SHA KETAVE NAMAHA!!! FOR 7 TIMES MIN
As per planetory positions you need to wait till mid of july this year 2014 to come out of any credits and other tensions. Could you please tell me what you are doing as your career. to know about proper gemstone for your career.