Mounting financial responsibilities demand that you take a more practical approach to your spending habits. Regardless of how sunny your prospects may currently be, you should be squirrelling away money for a rainy day. Building a nest egg is really making an investment in yourself. Is your lack of self worth jeopardising your future security?

If it feels as though the weight of the world is on your shoulders, you have taskmaster Saturn to thank for it as he lurches backwards into your sign. Any desire to eat, drink and be merry suddenly vanishes. Perhaps this is an augury that you haven't been treating yourself as well as you should. An exercise program will replenish your adrenalin.

An overwhelming desire to draw down the shades and take the phone off the hook leave have your friends and family scratching their heads. Your desire for solitude really has nothing to do with your loved ones; it stems from a need to attend to your spiritual life. What is it that brings you joy and contentment?

Does your social circle truly reflect your personal values? It may seem an irrelevant question, but you need to ask it if you're going to realise a heartfelt goal. It's enormously difficult to be true to yourself when others constantly denigrate your choices. Seek out and mix with people who support your dreams.

Don't rest on your laurels just yet. Saturn, the planet of discipline, is making another appearance in your tenth house of ambition and achievement. You may be required to go above and beyond the call of duty. It's better to accept this challenge than to grumble about it; prima donnas are easily defeated by pride.

You'd better not take anything for granted when venturing into new territory today. It's a good idea to bring as much documentation as possible when applying for a loan, grant, passport or license. Resist the urge to feel insulted. At least no one will be able to accuse you of receiving preferential treatment.

A certain someone may be getting too close for comfort. If you're unwilling to take this relationship any further, ask yourself why. A fear of intimacy could be standing in the way of true happiness. Be objective where this person is concerned; have they done anything concrete to merit your distrust?

Why have you been settling for second best? Saturn's retrograde re-entry into your seventh house of partnerships demands that you forge bonds of the very highest quality. The best way to command respect is to treat yourself like an honoured and valued person. Put an end to behaviour that makes you feel ashamed.

Have you been slacking off on your daily duties? If so, it's time to pay the piper. Irresponsible behaviour is almost certain to affect everyone around you. Don't let your peers pick up your slack any longer. Otherwise, you could make some very strong enemies in the coming weeks. Pull your own weight.

Work becomes sheer pleasure after you're handed a project that forces you to draw upon several of your considerable talents. Challenges like this are few and far between. You may want to cancel a few social appointments in order to give this project the time and energy necessary to achieve success.

Just when you thought you were over a past slight it flies right back in your face. Part of the reason this problem keeps cropping up is your inability to forgive. Consider what you're losing by being so stubborn and obdurate. Is staying angry really worth all the time, energy, and frustration it's cost you?

It's time to dust off that old writing project you abandoned and begin again. Even making entries in a diary can be most helpful to your personal growth. Begin by creating a list of all the things you'd like to improve about yourself, then refer back to it in another three months. You'll be astonished by your progress.