Travel and education plans will have to be changed. This comes as an unpleasant surprise, as you were all ready to move ahead with this endeavour. Try not to dwell on your disappointment. The new arrangement will ultimately serve you better. Wait until next month to reapply, when the stars will be beaming their full support. If you aren't happy with a test result, be willing to take the exam again. You'll do much better the second time around.

A refund, inheritance, or dividend won't pay up when you expect. You'll have to find another way to cover your bills. This shocking turn of events is a blessing in disguise. Finding a second source of income will increase your financial security. By the time your cheque arrives, you will be able to use it for a trip. Taking a prolonged holiday will put life back in its proper perspective. It's never wise for a sensualist like you to rush through life.

Don't bring up past history with your romantic or business partner. You'll just end up saying things you will later regret, and can never retract. If the prospect of an old relationship fills you with jealousy, it's time to do some work on yourself. Spend more time on activities that give you confidence. Take lessons in areas which require improvement. Carve out an existence that doesn't require participation from your partner. The more you focus on the here and now, the better your relationship will be.

This is not a good time to negotiate a work contract. If someone offers you a position, be prepared to encounter hidden clauses. It's not a good time to enter into long term contracts or commitments. That way, if the arrangement changes, you'll be able to leave without any hassle. A recurring health problem is wearing on your nerves. You want this issue dealt with once and for all. You'll have to undergo a few more consultations to pinpoint the source of trouble. Be patient and keep your chin up.

Don't make promises to youngsters or lovers for you may have trouble keeping them. Events have a way of knocking even the best laid plans for six. It will be much easier to keep your word at Christmastime. Right now, you have to be as flexible as possible. It may be necessary to work overtime or take a last minute business trip. Make it up to your nearest and dearest with a lavish outing this season. By that time, you'll all be able to relax and enjoy yourselves.

Family tiffs and tussles are starting to get on your nerves. An emotional relative says one thing, and then goes ahead and does another. You can't make any plans with an unpredictable character like this. It may be best to keep your distance until the festive season, when a calmer energy will prevail. Resist the urge to sign a lease or buy a piece of property. Binding agreements will prove more costly than they appear. What looks like a great bargain will turn out to be a huge money pit.

Be careful about hitting the send' button on emails and texts. An unfortunate spelling error or harsh tone will be cause for serious regret. You should also double check the address on messages before issuing them. Never hit the reply all' button or you'll wind up with egg on your face. Even the tone of written messages can be misconstrued if you are not careful. Try not to make sarcastic remarks, or at least follow them with emoticons to convey your true meaning.

Ask for a trial period when setting rates and negotiating a salary. That way, you'll know the true scope of a job and can adjust your demands accordingly. Locking in a rate now will be serious cause for regret later. If you have trouble collecting money from a debtor, keep sending them letters and warnings. Your persistence will wear down their resistance. Expect to see some money by this time next month. You'll only get paid if you keep applying pressure.

If you have a hard time finding work, you may want to revamp your image. Talk to a career consultant about the best way to showcase your abilities. Changing your hairstyle, buying a smart interview suit, and practicing interviewing techniques are all critical to your success. In the past, you were refused to play the game, intent on getting opportunities through sheer talent. In this economy you have to be quicker and cagier. Move with the times.

You seem emotionally distant, probably because you prefer to keep your feelings to yourself. Wearing your heart on your sleeve has never been your style. In fact, keeping quiet on subjects gives you a distinct edge on the competition. Rivals never know what you're thinking, and waste lots of time trying to outguess you. Be wary when dealing with your nearest and dearest. They need some insight to what you're feeling, or they'll feel alienated. Push yourself to be a little more affectionate.

Be careful when communicating with friends. Your cavalier attitude comes off as hurtful, especially when discussing somebody's personal problems. You're just trying to make light of a difficult situation, but your nearest and dearest don't want to joke around. Maintaining a tactful silence is probably the best strategy. A group meeting will be cancelled, causing a great deal of inconvenience. You might want to reconsider your participation in this organisation. Your time is valuable and should be respected.

Misunderstandings at work abound. No matter what you do or say, your boss will accuse you of insolence. This could be a sign you have outgrown your current position. Think about moving on to greener pastures. Spend the month sending out CV's and combing the wanted ads. Your application will cross an influential person's desk at just as the Christmas season begins. By that point, you'll be eager to embark on a new career opportunity that affords lots of intellectual stimulation.