Any time you spend your money, whether you’re just buying a cup of coffee or making a down payment on a home, the task will require greater intensity than it usually does. Numbers and financial issues are just hard for your brain to wrap around right now, and you could become quickly overwhelmed by interest rates, surcharges, and taxes. It’s not a good day to make any big business commitments either. Wait until your brain wakes up again.

Building your social network and contributing to the greater good needn’t be mutually exclusive. Sign up for a local nonprofit or start a volunteer committee at work. Connect with like-minded people.

The world’s a nutty place, and you’re just one person trying to make sense of things. Wait – there’s a plus. You’re part of a pair with someone who can help you try to understand, or at least agree with you about all the craziness.

What did they always say about necessity being the mother of invention? It’s time to be original. You have plenty on hand that can be put to good use in a pinch. That leaves you no reason to spend another penny.