I going through a lot of personal, professional and financial problems (debt) since the last 4-5 years.
My birth details are as follows:
DOB: Jan 16, 1975
TOB: 02:10 AM
POB: Mumbai, India
I have worn budh, diamond and neelam (blue sapphire) in the past but none has helped. Based on my horoscope it seems to be that currently it should be a good phase in my life but I have experienced the reverse.
I have worn Neelam last year but it delayed me getting work and eventually I had to take a loan to survive. So I removed it.
As per your birth details Just Diamond with emerald would be better for you. As i can see you have mentioned you have already worn it, however it would be more effective only when you wear it good quality and after properly energizing it and wearing it proper auspicious muhurtham.