Meeting your financial goals will take hard work and tenacity, so sit down and create a realistic budget. If you don't have any experience in this arena, consult a money manager. They will be able to show you how to make the most of your hard-earned cash. Give yourself an early Valentine's Day gift -- invest in your future.

Don't get too cosy with a relationship until you've created a stable foundation for it. Clear up debts, break off past ties, and make room in your life for another person, if not, you will be fated to repeat the same mistakes your elders did. At least think about where you'd like to be in five years. The answer could play a big role in what you decide.

Organising your home will clear up any confusion that's been hounding you for the past few weeks. Designate a place for everything and proceed from there. Remember, your living space is an outer manifestation of your psyche. The sooner you clear out the clutter, the easier it will be to discover and secure your heart's desire.

Be very careful about who you talk to today; close relatives are as trustworthy as they seem. Your dreams are more likely to come true if you take the time to develop them. Fortunately, you're an expert at taking care of practical details. Cut back on some luxuries in order to make things happen, but the results will be worth it.

The financial picture is starting to look up, but now is not the time to rest on your laurels. If you really want to become independent, you've got to put money toward your future security. Stop making status oriented purchases that will be worthless in a few month's time. The best financiers spend their money on investments, not baubles.

A pleasant social encounter keeps you wondering about an attractive newcomer for the rest of the day. Cupidic prospects are especially good for singles, so take advantage of your good fortune now. If you're already involved with someone special, it's possible the object of your desire reminds you of someone you once knew. Rekindle the magic.

Finishing a work on a creative project is a load off your mind; do something special for yourself as a reward. A relative may pressure you into assuming an unwanted responsibility. Be prepared to say "no" in very firm tones or you could get railroaded into a situation that you'll later regret. Self-sacrifice is highly overrated.

Joining a social group is the best way to stave off depression; shop around before committing yourself. It's easy to get wrapped up in your own troubles when you feel as though you've been abandoned. Change your perspective by transforming your life. Opportunities only appear when you're willing to recognise them, so open your eyes - they’re there!

The best way to advance your reputation is by making yourself useful; offer to help a powerful person who’s struggling. You may have to perform your services for free at first, but your efforts will eventually pay off. Meanwhile, manage your time accordingly: you may be at the beck and call of others before you get what you want.

Rely on your experience to help make a difficult decision; there may be a tarnished side to a tempting offer. On the plus side, you can negotiate a better deal for yourself by remaining cool in the face of pressure. Controlling your fate is a matter of confidence. The most successful players never appear nervous. Imitate an ice cube.

Getting the funding you need to finance a home improvement project puts a spring in your step. Even an independent character like you needs to set down roots at some point. If you're still squeamish about setting up house, look back to your childhood. The past won't repeat itself if you disinherit any bad legacy from your upbringing.

You can clear up a persistent problem with your mate through the fine art of communication. Resist the urge to push your lover's buttons, even if they exhibit behaviour that drives you crazy. These immature games have got to cease if you're going to forge a fulfilling life together. Break the cycle with maturity and patience.