If you are getting concerned about a friend’s finances, keep it to yourself today. Put yourself in their place — how would you like a friend talking to you about your money issues? Unless they bring it up, it’s not a legitimate topic of conversation. So keep mum if they talk about their latest fabulous shopping trip when you still remember them complaining about their car payments very recently. What they choose to do with their money is their business.

Impressing others isn’t always easy, but today you have people hanging on your every word. You offer inspiration to those who need it most, which in turn makes you communication royalty.

Giving your special someone a nice gift always goes over well. But giving them a truly thoughtful gift can take your relationship to the next level. Take some time and get something you know will mean a lot to them.

You need that spark of creativity to hit. Without it, you’re stuck where you are. But once the sparks fly, though, the sky’s the limit. Don’t stop with a sizzling affair when you could work your way out of the red.