Knowledge recently gained through experience, study or a training course can be put to worthwhile use. Don't fritter your time away on following procedures you don't believe will work. You may have to intervene between two older colleagues who are feuding over proposed changes that may never happen. Difficult jobs will be easier to handle once harmony is restored.

Financial matters are delayed; curb the impulse to show your frustration. Check the small print of all legal and monetary deals and seek advice if you aren't certain of what you're in for. A number of heavy bills are coming up for payment. A colleague who is a little the worse for wear this lunchtime may reveal confidential information which has some bearing on your future.

Avoid mentioning contentious Yuletide plans with an elderly relative. Don't break a promise made to a housemate or loved one by revealing privately made arrangements. The time is not yet right to bring them out into the open. Overlook a signal indicating you will soon need a costly repair and you could be in for an expensive Christmas. An uninvited guest might turn up at your door this evening.

People in positions of importance don't have the time or interest to listen to what you have to say. Consult a colleague before putting a career matter on hold. Joining forces with a like-minded associate will help save time you can put to better use elsewhere. Health may be a worry; minor ailments put some strain on you. A community festive event may have a poor turnout.

A financial situation is rather sensitive; money problems faced this Christmas will be of your own making! Don't be obstinate; if you know deep down you've been over spending do something about it now. Be sensible and cut down on your festive spending or you could endanger your future economic security. Make the most of your creative talents by making handmade gifts and cards. Evening social plans are turned upside down when a neighbour lets you down.

There continues to be one or two differences to overcome with your partner or parents over family festive plans. Think twice about agreeing to any new financial arrangement; you have far too many expenses coming up. At work, jobs you agree to take on will be time consuming and tedious; keep moodiness in check and push negative thoughts out of your mind. Use evening hours to finish writing out your Christmas cards.

Leave it to a friend to do the talking in a tricky situation. If you have no choice but to have to explain a recent error or misunderstanding, make better use of your imagination! Someone who accuses you of being selfish or mean is only trying to paper over their own faults. A neighbour may make an impulsive invitation because they've upset someone and are trying to make amends. More care is required with detail in a work or study situation.

A recently formed partnership is floundering already; practical thinking will pay off. Even so it won't be as easy as you thought to convince others of the merits of your ideas. If you haven't already done so, it would be a good idea to work out a Christmas budget. One to one relationships are troublesome. You will be happier at a large social gathering if someone you're having problems with decides not to attend.

Attempts to advance career interests are thwarted by unhelpful people. A discreet word to an old friend will put you in touch with someone who might give you some valuable information. If you're involved in anything competitive a clash of ideas would be best settled by compromise. You won't stand by and watch an office bully pushing someone else around. Give your creative side the space it desires, this evening.

Sift through what you had planned to do; try to shelve anything which calls for hard work and physical activity. The day would be best spent relaxing at home or in familiar surroundings. Be sure you've repaid any debts involving a friend or neighbour. Wherever you find yourself working alongside others, give and take will be the order of the day. Evening is good for making agreements within your innermost circle.

If the chance of doing some overtime comes your way, find out what's involved before you agree to it. Confusion linked with a social or group event might take some sorting out. Do yourself a favour: step back from the situation and calm down. The opinion of someone who isn't involved might also help. You're painfully conscious someone wants more from you than you're able to offer.

Waiting for other people to get on with what they've promised to do seems like a pointless waste of time. It might become obvious they have no intention of fulfilling their obligations. Everything seems to go slow. Conversations and meetings are long and drawn out but lead nowhere. Colleagues and other associates are dragging their heels. In some relationships, you're giving a lot more than you're getting back.