This is starting period of Shani's Sade Sati. In this period Saturn will be transiting in 12th house from the Moon. It generally indicates financial loss, problems by hidden enemies, aimless travel, disputes, and poverty. During this period, પદ્મ લક્ષ્મી may face problems created by પદ્મ લક્ષ્મી's hidden enemies. Relationship with પદ્મ લક્ષ્મી's colleagues will not good enough and they will create problems in પદ્મ લક્ષ્મી's work environment. પદ્મ લક્ષ્મી may also face challenges on પદ્મ લક્ષ્મી's domestic front. This may create pressure and tension. પદ્મ લક્ષ્મી needs to exercise control over પદ્મ લક્ષ્મી's spending otherwise it be lead to bigger financial problems. Long distance travels may not be fruitful during this period. Saturn's nature is of delay and dejection, but generally પદ્મ લક્ષ્મી will get results eventually, so be patient and wait for પદ્મ લક્ષ્મી's turn. Take this period as learning period, put પદ્મ લક્ષ્મી's hard work and things will fall in place. પદ્મ લક્ષ્મી advised not to take high risks in business matters in this period.
This is the peak of Shani's Sade Sati. Generally this phase of Saturn is the most difficult one. Saturn transiting over natal Moon indicates health problems, character assassination, problems in relationship, mental afflictions, and sorrows. પદ્મ લક્ષ્મી will find it difficult to achieve success in this period. પદ્મ લક્ષ્મી may not get results of પદ્મ લક્ષ્મી's hard work and feel restricted. પદ્મ લક્ષ્મી's constitution and immune system will not be strong. As first house is the house of health, પદ્મ લક્ષ્મી should start exercising and taking care of પદ્મ લક્ષ્મી's health, otherwise પદ્મ લક્ષ્મી can be caught by chronic diseases. પદ્મ લક્ષ્મી may suffer from depression, unknown fear or phobia. પદ્મ લક્ષ્મી's will lack clarity in thinking, action, and decision making. પદ્મ લક્ષ્મી will be spiritually inclined and will be attracted by intricacies of nature. Acceptance and doing basics right will sail પદ્મ લક્ષ્મી out of this period.
This is 'setting' period of Shani's Sade Sati. Saturn will be transiting in the 2nd house from the natal Moon, which indicates difficulty on financial and domestic front. પદ્મ લક્ષ્મી will start feeling slight relief after having two difficult phases of Sade Sati. Still, misunderstandings and financial stress can be seen during this period. Expenses may keep soaring high and પદ્મ લક્ષ્મી need to continue exercising control. Sudden financial losses and fear of theft is also a possibility. પદ્મ લક્ષ્મી may be pessimistic in thinking, પદ્મ લક્ષ્મી is advised to deal with matters enthusiastically. પદ્મ લક્ષ્મી will require paying good attention to family and personal front, otherwise those can also lead to a bigger problem. For students, education may be slightly affected and they will have to work harder to hold on to their existing level. Results will be slow and almost always with the delay. This is a period which indicates danger and apart from other things, પદ્મ લક્ષ્મી need to be careful while driving. If possible, stay away from non-veg and પદ્મ લક્ષ્મી's drinking habits to keep Saturn happy. પદ્મ લક્ષ્મી will be able to sail through this period by intelligently handling પદ્મ લક્ષ્મી's domestic and financial matters.