Any transactions you’re part of today could have a long-lasting effect on your financial health, so take a very conservative approach to how you spend your hard-earned dollars. Bargain hunting is a skill you should develop. It’s a critical time for you to invest, so if you can begin a retirement account or increase your current investment allocations, this would be very wise to do. It’s never too early to start thinking ahead.

Today, spend time with like-minded people. You might make a new friend who turns into the romance of your life. Broaden your social circle and accept invitations from an unexpected suitor.

You can’t have the perfect response to everything and anything your partner says to you. Sometimes judicious silence is the best response. Knowing when to speak and when not to is just as valuable as knowing what to say.

Nothing is more fun than buying on a whim. Something you need just doesn?t give you the same thrill. But remind yourself of your vow to be thrifty and keep your impulse buys to a minimum.