NOVICE…

Treat yourself right, but do not overindulge for too long. Bad habits form fast.It’s healthy to treat yourself right, but if you overindulge for too long, you will run the risk of getting behind on your finances, going over budget, or developing some unhealthy habits. It’s time to start creating some rules for yourself — and sticking to them! Cutting back here and there doesn’t have to be painful. Bring your lunch with you more often. Wash your car yourself. Avoid the mall for a while. You won’t have trouble finding other things to do.

Your original ideas need to be protected — they are in danger of being stolen!Your original ideas need to be protected right now — they are in danger of being stolen! Not everyone is as creative as you are, and some unscrupulous people have no problem taking your ideas and promoting them as their own. You have a good idea of who a likely thief could be, so be tight lipped when you are around them, today. There’s no need to elaborate why you are being so elusive — it will only get them angry. Let them find out what you’re cooking up when everyone else does.

Review your accounts today — and make sure you are where you think you are.Today the good news you have wanted to hear for so long will finally arrive — and it might have an unforeseen effect on your finances. So take some time today to review your accounts and make sure you understand how they could be changing in the near future. Money is also on the mind of a dear friend who’s got some serious debt troubles. Lend them your ear and sympathize, but do not lend them any money. It will only create problems for you two in the future.