Although you are hesitant to extend yourself any further, it's essential to get formal training. A certificate or degree can vault you into circles that have remained closed to you thus far. Part of you thinks that you're not ready for any added responsibility. What you don't realise is that your reluctance to move forward is robbing you of blissful freedoms and fantasies too. Wouldn't you like to have more money to pursue your dreams or do things that are only open to a chosen few?

A large bill or legal notice makes you realise it's time to eliminate extravagance and get your money house tidied up. The more cash you continue to borrow or consume, the harder it will be to retire in leisure. Consult a money manager or debt consolidation agency for help in paying off credit cards and such like. You can also negotiate a lower interest rate as a means for you to lower your payments. Once you take the first step, you'll feel much better about your economic prospects per se.

You're usually optimistic about the future but it's hard to look at the bright side now. Maybe a relationship is the source of your trouble. While there still remain genuine feelings of affection, the two of you have little in common and have even grown apart. You have a choice: either stay together out of loyalty or go your separate ways. Keep in mind that the happiness you seek may always elude you if you continue down the present path. All is not lost but you must act now.

Worry or depression makes it difficult for you to go about your daily business. That's because your heart is no longer in what you are doing. At times like these, it is difficult to see a way out. However, little things like sending out resumes, looking for a new place to live or changing your image and beginning to exercise can all help to spark a transformation. Don't wait for a sudden upturn of fortune; make your luck or you'll carry this sense of dread around with you until Christmas.

It's time to put an end to the bad behaviour that is jeopardising your friendships. Whilst nobody can accuse you of being cold and unfeeling, it is true that you can be somewhat self-centred: Narcissus is your middle name. Put your pals first for a change. Celebrate your victories, and resist the urge to tout your own accomplishments when somebody else is basking in the spotlight. Although you've been blessed with more than your fair share of magnetism, you can't be a star all of the time.

Blaming your childhood for not achieving your dreams is starting to wear thin as an excuse. If you really want to overcome past hardships, you'll rise above whatever limitations were imposed on you by the sheer force of your wonderful willpower. Now that you're an adult, you can make your own decisions. Sure, they may be limited in some way, but you can always work around them. Don't let your detractors continue to wield power over your life. You're in the driving seat of your life now!

Don't worry if you'll ever get the hang of a new arrangement practise makes perfect. Part of the problem is that you're dwelling on the old ways too much. At some point, you'll have to accept that past situations or routines will never come to pass again; you've got to focus on the here-and-now. Once you wipe these feelings of nostalgia away, it will be much easier for you to master your present tasks. Look to the future, it's where it's at for you now.

Comparing your progress to that of people around you will only lead to heartache and resentment. You either have to rejoice over your friend's achievement and accomplishments or resign yourself to bitterness. Think about how you would feel if the people nearest and dearest to you could not celebrate your good luck and happiness? Once you let go of jealousy and envy, you'll find that your own river of golden fortune is able to flow much more easily into your life. Open your heart.

Letting go of your wants and needs is the only way to salvage a teetering relationship. Yes, you had a certain view of what the future would be like in the past, but now that has changed since a certain person entered your life. Blaming them for ruining your plans is ridiculous. The fact is, your destiny has many twists and turns in store. You can't possibly expect it to turn out exactly the way you want. Bend just a little and remind yourself that whatever happened you gave your consent because you allowed it to happen.

It's hard for you to keep your mind on current or vital issues due to nagging regrets. Why are you putting yourself through this torture? The past is the past and you can't turn the clock back. The best thing you can do for yourself - and others now - is to make your present circumstances as pleasant and rewarding as possible. Find meaning in your work or ambitions, and nurture your relationships. Pretty soon, a whole new set of chances and opportunities will become available to you alone.

You're determined to pursue a course of action, whether other people like it or not. Why seek other their approval for what you want to do? Maybe you're involved with somebody your partner or a friend don't like or perhaps you are treating a child in a manner that runs contrary to their tiny minds? You might even be pursuing a creative hobby that makes folks feel threatened. Whatever the endeavour, it has to embody your principles, if others refuse to honour your decision, so be it but don't bend an inch for them.

Dreams of grandeur are preventing you from enjoying the simple pleasures in life. Stop treating your home as if it is just a temporary place to hang your hat. By honouring your surroundings, you'll derive more comfort from them. You don't have to spend a barrow load of money redecorating your space; just treat it with respect. After all, many people would love to be in your situation. Why not take a second look at your circumstances and count your blessings.