You need to reorganize your finances today, but make sure to take a few key precautions. Your interest in fiscal health is great (and timely), but it’s not smart to tackle too many cost-cutting measures at the same time. The shock of austerity can’t help you stick to your budget in the long-term. A lucky windfall drops in your lap just when you need it the most, giving you just the boost you need to make it last.

You’re overwhelmed. You have too many romantic possibilities running around! Before you let it get you down, think about how long you’ve been wishing for this very problem.

You’re feeling really good about yourself these days, so it’s time for some showing off. Challenge your partner to a friendly board game or battle of wits. Be gracious when you win!

You’re depressed about something in your distant past. There’s nothing you can do about it now but move on. An outstanding debt could at least be addressed but this issue is more emotional than financial, although they are intertwined.