ARIES (March 21-April 19): Keep your life simple and your spending under control. Indulgence will be costly if you attend work-related functions. Don't lose sight of an opportunity to network. You'll have plenty of time to celebrate with friends and family. 3 stars

TAURUS (April 20-May 20): Something unexpected will take you by surprise. Don't be fooled by an offer. There will be underlying expectations that you should consider before you agree to anything. Don't feel pressured -- time is on your side. 3 stars

GEMINI (May 21-June 20): Use a work-related event to explore new possibilities. Showing off your skills and knowledge will make some jealous, but others will take note and consider you for advancement. Celebrate with someone you love and prepare to make a move. 5 stars

CANCER (June 21-July 22): Avoid shopping or getting taken for granted by those asking for help, donations or handouts. Industry events or festive celebrations are best handled intelligently by curbing any inclination to be indulgent. Moderation will help you avoid trouble. 2 stars

LEO (July 23-Aug. 22): Get your place ready to receive guests or visit older friends and relatives. Taking the time to let someone know you care will make a difference in your relationship. You don't have to spend a fortune to prove your love. 4 stars

VIRGO (Aug. 23-Sept. 22): Tally up how much you've spent and what you can do to take advantage of any tax credits or personal paperwork that can influence you emotionally, financially or physically. Don't leave anything until the last minute. 3 stars

LIBRA (Sept. 23-Oct. 22): Everything will seem larger-than-life. Try not to overreact or take on more than you can handle. Keeping your word will be important if you don't want to face opposition. Take time for personal pampering and relaxation. Romance is encouraged. 3 stars

SCORPIO (Oct. 23-Nov. 21): Financial and physical indulgence will be costly. Don't give in to anyone who is asking for too much. Moderation and intuition will lead to the right choice as long as you play it safe. 3 stars

SAGITTARIUS (Nov. 22-Dec. 21): Travel, reunite with old friends and try to learn from every experience you encounter. Enjoy catching up with others and expanding your ideas based on the information you gather. Life is the best education. You don't always have to be the teacher. 4 stars

CAPRICORN (Dec. 22-Jan. 19): Don't let anyone push your buttons. Concentrate on enhancing your appeal and figuring out how you want others to perceive you. Spend more time updating your look and figure out what you want to do next. Avoid conflict. 2 stars

AQUARIUS (Jan. 20-Feb. 18): You can't please everyone, so take care of yourself and do what is in your best interest. Try to avoid heading into the new year with unnecessary debt. Don't overspend to impress others. A kind gesture will be sufficient. 5 stars

PISCES (Feb. 19-March 20): Weigh the pros and cons and make decisions that reflect what will have the best outcome for you. The less cluttered you let your life become, the easier it will be to reach your goals. Be straightforward about your concerns and decisions. 3 stars

ARIES (March 21-April 19): Make love a priority. Take time out of your busy schedule to do something nice for someone in need. A change at work will leave you in a quandary about what to do next. Don't fret. Explore new possibilities. 3 stars

TAURUS (April 20-May 20): Offer to help a cause you believe in. Your insight and desire to do something nice for others will boost your reputation. Travel plans should be made ahead of time. A change to your routine can be expected. 3 stars

GEMINI (May 21-June 20): Things are looking up. Do some last-minute shopping and you'll find a bargain in the perfect gift to give to someone you love. Incorporate new skills and experiences into your job. Romance is in the stars. 5 stars

CANCER (June 21-July 22): Emotions will surface when it comes to matters concerning children, domestic issues or last-minute spending. Stick close to home and avoid getting caught up in situations that can leave you short of funds. Choose brains over brawn. 2 stars

LEO (July 23-Aug. 22): You can get some serious chores out of the way. Last-minute shopping, making travel arrangements or getting together with someone you want to see before the year ends are all recommended. Romance is encouraged. 4 stars

VIRGO (Aug. 23-Sept. 22): Make a point to change your look or do something that will add to your popularity. A year-end bonus or positive change in your financial situation looks promising, but will require you to handle your money matters wisely. 3 stars

LIBRA (Sept. 23-Oct. 22): Emotions will rise to the surface, causing anxiety. Stay focused on what's important and move forward quickly. The changes you want to bring about can only be accomplished if you don't let last-minute developments alter your course. 3 stars

SCORPIO (Oct. 23-Nov. 21): Don't let anyone take advantage of you. Your skills are likely to be called upon by someone using emotional manipulation. Be aware of ulterior motives and only offer what you feel is fair. Look out for your own interests. 3 stars

SAGITTARIUS (Nov. 22-Dec. 21): Listen carefully and observe what others do before you respond. Overreacting will not help you gain respect or improve your position. Keep indulgence to a minimum at industry events. Choose to be a help, not a hindrance. 4 stars

CAPRICORN (Dec. 22-Jan. 19): You'll face problems while dealing with authority figures or while traveling. Don't take anything for granted. Making do with what you've got will speak volumes about your character. Pay more attention to the way you look. 2 stars

AQUARIUS (Jan. 20-Feb. 18): Refuse to let anyone in an authoritative position bully you. Stand your ground and only do what is within your means. An unusual offer from someone you least expect will help you out financially. Romance is highlighted. 5 stars

PISCES (Feb. 19-March 20): Nurture important relationships. Don't limit what you can do because you feel obligated to put others first. Be sure to take care of the little things and try not to overspend on spur-of-the-moment purchases. 3 stars

ARIES (March 21-April 19): Learn from past experiences and don't go overboard. Problems with institutions will arise if you have overspent or failed to pay off your debt. Look over your personal papers and make sure you are up-to-date before year-end. 3 stars

TAURUS (April 20-May 20): Express restraint when faced with money matters. A bonus you were expecting may not live up to your expectations. Don't overreact or make a fuss. Use your intelligence to help you make up the difference. Don't spend what you don't have. 5 stars

GEMINI (May 21-June 20): You'll progress slowly but surely if you work diligently to tidy up loose ends in preparation for new endeavors. An opportunity to make personal changes to your lifestyle or look will boost your morale. 2 stars

CANCER (June 21-July 22): Don't worry about what others do or think. You don't have to spend a bundle if you don't want to. Stay focused on what's important to you and use your intelligence to deal with any seasonal pressures. 4 stars

LEO (July 23-Aug. 22): A shopping spree will end in delays and poor decisions if you aren't careful. Don't let your emotions take over and result in overspending. A romantic gesture doesn't have to be expensive. Offer your assistance and affection. 3 stars

VIRGO (Aug. 23-Sept. 22): Emotional spending will get you in trouble. Offer less material gifts but more affection, attention and, most of all, time. Mix business with pleasure, but refrain from any sort of indulgence that may make you look bad. 3 stars

LIBRA (Sept. 23-Oct. 22): An emotional misunderstanding with someone you work with can cause tension. Do your best to share facts promptly. A surprise will be difficult to keep. Someone is likely to feel neglected, suspicious or left out if you are too secretive. 3 stars

SCORPIO (Oct. 23-Nov. 21): Helping others, making donations and reconnecting with people you haven't seen in a while will make this an eventful day. Old debts and favors can be collected. An emotional situation will bring back memories that require words of wisdom. 4 stars

SAGITTARIUS (Nov. 22-Dec. 21): Learn from past mistakes and back away from anyone who tries to push you in a direction you don't want to go. Stay focused on what you can do without going into debt. Make reasonable deals that promise a high return. 2 stars

CAPRICORN (Dec. 22-Jan. 19): Emotional spending on unnecessary items will be your downfall. Look for alternative ways to cut corners and save money. Don't fall for sales pitches that promise the impossible. Offer genuine kindness instead of trying to buy love. 4 stars

AQUARIUS (Jan. 20-Feb. 18): Don't lend, borrow or donate. Live within your means and refuse to let anyone guilt you into spending what you cannot afford to part with. If you feel the need to give something, offer your time or skills rather than cash. 3 stars

PISCES (Feb. 19-March 20): Look for bargains. Sticking to your budget will help ease the stress that accompanies debt. Say "no" to the things you don't need, and look for cheap ways to please those you want to surprise. Don't offer a false impression. 3 stars