You cannot keep handing out loans you can't afford or paying a partner's share of joint expenses. Someone's careless attitude towards finances is starting to get you down. If they continue to spend money as if it grew on trees, you may need to come up with a new joint arrangement so this does not affect your own money situation.

An invitation to a party or big charity event may not have been made as the friendly gestures this first appears to be. Someone is trying to get in your good books with the intention of seeking a favour from you. Devious people have a way of taking advantage because they know you find it hard to say no.

A workmate or fellow student's mood is reckless and even a little mischievous. You just don't know what they are going to do next and at times, you might prefer not to be associated with them. If you can see this damaging your reputation, it would be better to keep them at arm's length.

When it comes to food shopping, you are finding new ways to make ends meet. Saving is becoming increasingly hard with energy bills bouncing up and up. Keeping bills as low as possible by turning off appliances and doing all you can to reduce expenses is a battle. There seems to be nothing more you can do.

There's a lot going on with plenty of chance for you to get involved and yet behind the scenes is the place you will choose to be. You have no interest or inclination to be in the limelight. Whatever job you happen to be doing, you want to be able to get on with it with no one watching over your shoulders.

If the last few years have taught you anything it is that nothing is guaranteed. People will be apologetic when promises they made cannot now be fulfilled. You can see how much it hurts them to admit this and you understand that it is circumstances and not choice that has caused them to have to go back on their word.

Rumours about a neighbour reach our ear. You aren't sure whether what's being said is true or not and you have a feeling someone is exaggerating the situation. For this reason, you will refrain from passing on unfounded rumours. You have a feeling someone is being targeted simply because they prefer to keep themselves to themselves.

A need for a quick reaction will save a situation from going wrong. Sometimes it takes the need to act quickly, without thinking to bring out your hidden qualities. Do your best not to dwell on thoughts that lead nowhere. Your imagination could be used more productively by turning your mind to something more challenging instead.

A forgetful friend obviously has their mind on other matters than the one in hand. Once they share their worries about a problem that has many sides, you will be able to see a solution and explain. They don't have to apologise for their lack of commitment to other areas.

Hold your tongue when an over-eager child or young colleague does something to ruin your recent hard work. They were only trying to help and their upset reaction when they see what they have done will be enough to make you realise how sorry they really are.

Someone who rarely does anything for anyone will offer to lend you a hand. As well as this taking you by surprise, they will reveal talents they have not admitted to before. With their help, you will make short work of jobs you had thought would take up most of the day.

Since you are too polite to turn someone away who asks for your help, by the end of the day you're likely to be familiar with all the details of a complicated matter. A sister, brother or cousin will tell you something in confidence. Family relationships improve because you are starting to trust each other.