Have you have been living beyond your means lately? Charging up a storm, opting for the upgrade, or just buying without thinking aren’t things you can do for too long. Sooner or later, indiscriminate spending will catch up to you. So today, don’t overspend. Put the brakes on luxury living until you’ve paid for everything you purchased in the past. Debt will only hold you back. Investigate some debt-relief options online, or take another look at tightening your budget.

You’re the right person to know right now, especially for friends in need. A close buddy or colleague is sure to approach you with something sensitive. They need your advice, so dig deep and help them out.

You need to introduce some new element into your relationship. It doesn’t have to be such a big deal that the course of your life is forever altered, but it should be something pretty big.

Your family is there for you in so many ways you’ve lost count of them. But one of the most important is their ability to energize you to go back into the ring again and again. Call on them to do just that, because your finances have brought you to a low state. There’s no reason to stay there.