It’s time to make some financial adjustments. You don’t necessarily have to cut back on spending, but you should start thinking about long-term gains versus short-term gratification. Do you need a new sofa, mattress, or car? Start doing some research now so that you’ll be in a better position to take advantage of any big sales or rebates that come up. Be prepared to cut back on splurges so you can invest in a higher-quality big-ticket item.

Your ideal mate is somewhere close to perfect, but reality is always closer to the middle. If you can’t quite connect with someone, try shaking up your standards. Maybe it’s time to expand your definition of “ideal.”

Like a bolt from the blue, a great gift lands in your lap. Now what? First you have to jump and scream. Then you might want to celebrate. If it’s just the two of you, that’s fine.

What can be learned from your financial circumstances? Don’t waste time philosophizing or getting deep about it. The important lessons are still the basics, like living within your means to name just one.