You may be spending money beyond your means, which will lead to trouble. Don't feel pressured into taking up the expensive pursuits of your peers. They probably can't afford these hobbies, either, but are too scared to admit it. By leading a lifestyle that reflects your income, you'll save yourself lots of heartache in the future. Start putting aside a greater percentage of your income into savings. Having a safety cushion is enormously comforting.

Turning your home into a lavish showplace won't fill empty space inside of you. If your surroundings are shabby, start clearing out the clutter. Lift the shades and open the windows. Fix broken items or get rid of them altogether. This will give your abode an immediate face-lift. If you need to replace certain furnishings or appliances, go shopping at thrift stores. Finding bargains can be a rewarding challenge.

A stay in a hospital or institution could lead to unexpected expenses. You may want to get extra health insurance to cover your time off work if you anticipate a medical visit. If you're attending a big convention at your own expense, be sure to research area hotel rates. You could find a good deal at a little out-of-the-way place. People promise more than they can deliver, so put agreements in writing.

A smooth-talking friend could wheedle you out of some cash if you're not careful. Any temporary loans you make today could be permanent. You'll know there's something wrong if the person in question tries to commit emotional blackmail as a means to open your wallet. The truth is, this person has got themselves into a tight spot through laziness and self-indulgence. Don't enable this behaviour.

A job offer may be too good to be true, so don't be overly eager to accept. Wait a few days to render a decision, especially if your potential employer is pressing you to move quickly. You may discover this organisation can't give you the freedom or authority you desire. Don't be discouraged if this opportunity doesn't pan out. The next two months will bring better chances to advance your career.

There's something about a religious, cultural, or educational institution that really bothers you. Maybe its members are snobbish or overly judgmental. Perhaps these people are too lax about their own shortcomings. Whatever the reason for your misgivings, you may want to affiliate yourself with a group more in keeping with your own moral code. It's senseless to join a group for the sheer sake of companionship.

Social difficulties could arise as a result of some changes in your personal life. Friends may feel as though they have to decide between you and another person. It's also possible your buddies are uncomfortable with your new lifestyle. While it's hard not to take these slights to heart, it's important for you to surround yourself with like minds to understand and support you. Don't be afraid to forge a brighter future.

Don't assume your boss will overlook your transgressions at work today. Although you may be a special favourite, it doesn't mean you can get away with murder. Take extra pains to come in on time, and don't flaunt your privileges in front of your peers. Otherwise, your superior may be forced to discipline you in an unpleasant way. It's also wise to check with the powers that be before making vacation plans.

Overindulging in anything - food, drink, or sex- could be disastrous. While it's true you're tired of depriving yourself of the finer things in life, this doesn't mean you should go to the opposite extreme. Make a list of seven decadences, and then allow yourself one for every day of the week. Otherwise, you could find yourself writhing in pain or overcome by exhaustion. There's only so much stimulation your body can take!

Financial extravagance is undermining what could be a good relationship. You and your partner need to come to terms with your differences about money. It's possible you both need to change your outlooks and attitudes. The spendthrift has to be aware of how their behaviour squanders valuable resources, while the miser needs to understand buying luxuries is not a sin. The two of you should explore the source of your beliefs about money.

A promise to change one's ways won't improve a close relationship. The only way to make matters better is through action. If you're the one who needs to reform, make a list of three things you can do on a daily basis to make your partner happier. If your other half is the one who needs to shape up, stop accepting their lame excuses. Bad behaviour must have serious consequences.

This is not a good time to invest in exercise equipment or an expensive gym membership. Hidden costs could force you to spend far more money than you originally intended. If you want to get into shape, fix yourself healthy meals at home, and walk or jog for exercise. The very act of embarking on a fitness plan will open the door to better opportunities. In the meantime, keep your goals small and simple.