Even if you don’t need to save money right now, you might still find yourself in a penny-pinching mood, and you can only benefit by following it. A rainy day is coming soon in the form of an expensive opportunity or unexpected bill. But little efforts over time can yield impressive results, so set aside a coffee can or basket and start dumping your nickels, dimes, and a few dollar bills into it. Get in the habit of cutting back now. You’ll be doing yourself a big favor.

If the same old routines and faces are getting boring, mix it up a little. Go for the one who’s not your “type.” Find some activities that are new to you!

Spend some time with your sweetie brainstorming plans for the coming months. Anything is possible, so why not start working toward achieving your biggest dreams?

Your accounts and your bills are at odds again. Something has to either line up or give. Or is it you who has to cry uncle? Be prepared to do whatever the situation calls for.