ARIES (March 21-April 19) -- Problems will surface if you or someone you live with has been indulgent or impracical. Take action to turn things around in a positive manner.

TAURUS (April 20-May 20) -- Making alterations to your home to accommodate upcoming events will put added pressure on you and your bankbook. Don't be afraid to ask for assistance. If everyone pitches in, everyone wins.

GEMINI (May 21-June 20) -- Money matters are best looked at carefully. You may think you have more to spend than you do. Look for sales, and budget your end-of-year expenses carefully.

CANCER (June 21-July 22) -- Emotions will escalate when dealing with matters concerning children or your budget. Try to live within your means. Discuss your plans, and ask for approval before you proceed.

LEO (July 23-Aug. 22) -- Secrets are best kept. Don't feel the need to make a last-minute decision just because someone else does. Protect your assets and position. Romance and physical improvements are encouraged.

VIRGO (Aug. 23-Sept. 22) -- Plan to do something with children, or get together with a friend who shares similar interests. A shopping expedition will lead to bargains, but even so, limiting your expenses is encouraged.

LIBRA (Sept. 23-Oct. 23) -- Last-minute changes will lead to uncertainty and confusion. Making a fuss will cause bad feelings. Listen, observe and consider your options. Don't feel pressured to make a snap decision.

SCORPIO (Oct. 24-Nov. 22) -- Discuss your plans with someone you respect. Your options will expand because of the suggestions made. A change at home will give you a chance to pursue a promising venture.

SAGITTARIUS (Nov. 23-Dec. 21) -- You need to step up when it comes to long-gestating projects. If you face facts and answer questions, you will be able to move forward stress-free.

CAPRICORN (Dec. 22-Jan. 19) -- Share your feelings, but don't let situations escalate to a point of no return. Stay calm, be straightforward and stick to what you know is within your means.

AQUARIUS (Jan. 20-Feb. 19) -- A closer look at your bank statement will help ease your mind. Get your house in order, both literally and figuratively, before the end of the year.

PISCES (Feb. 20-March 20) -- Get together with someone you haven't seen for quite a while. Catching up will give you insight into new possibilities that could make for an interesting new year.

ARIES (March 21-April 19) -- Emotional situations will flare up if you aren't careful about how you deal with your peers or family members. Use caution when discussing delicate matters.

TAURUS (April 20-May 20) -- Sharing expenses with colleagues, friends or relatives will be worthwhile. Don't feel the need to overspend. Look for alternatives that will help you cut corners. Be budget-conscious and ease your holiday stress.

GEMINI (May 21-June 20) -- You'll be faced with an unusual situation. Making a choice will be stressful if you don't have all the facts. A poor decision will lead to an emotional expense.

CANCER (June 21-July 22) -- Book a trip, or discuss your plans for the upcoming year with someone you want to spend more time with. Sign up for a course or indulge in a creative pursuit.

LEO (July 23-Aug. 22) -- Deal with matters concerning institutions. It's important to have everything in place before the year comes to a close. Doing something nice for children or elders will be fulfilling.

VIRGO (Aug. 23-Sept. 22) -- Call in favors if it will help you clear up pressing matters before the year comes to a close. A partnership looks promising, and discussions regarding how to move forward are encouraged.

LIBRA (Sept. 23-Oct. 23) -- Attend a community event geared toward festive ideas and end-of-year sales. A reunion with old friends or colleagues will be enlightening. Travel plans should be considered.

SCORPIO (Oct. 24-Nov. 22) -- Put muscle into your domestic chores and get your place in tip-top shape before year's end. Moving forward without baggage will give you freedom to pursue new beginnings.

SAGITTARIUS (Nov. 23-Dec. 21) -- Change is good, and channeling your energy to make it happen will be satisfying. Your ability to work hard will bring results that exceed your expectations. A celebration is warranted.

CAPRICORN (Dec. 22-Jan. 19) -- You'll be given an unusual choice that's worth considering. Discuss what you can contribute and what you would like in return. Don't make a move until the deal suits you.

AQUARIUS (Jan. 20-Feb. 19) -- Be creative. Make festive plans with youngsters. Preparing for upcoming events will bring you one step closer to an organized and peaceful end-of-year experience.

PISCES (Feb. 20-March 20) -- Concentrate on preparation. Being ready for upcoming festivities or taking care of personal paperwork that will help you transition from one year to the next should take top priority.

ARIES (March 21-April 19) -- You need to put more energy into important relationships. The more enthusiasm and willingness to compromise you show, the more you will get in return. Offering incentives or affectionate gestures is favored.

TAURUS (April 20-May 20) -- Think matters through, but don't stop the flow of something that appears to be moving forward smoothly. Tying up financial matters will bring back memories, but it will also help you move forward.

GEMINI (May 21-June 20) -- It's a good day to book travel plans. Take care of your responsibilities to ensure you have time to spend with friends and family as the year comes to a close. A personal change will bring good fortune.

CANCER (June 21-July 22) -- You need to take care of pending financial or medical issues that you may have let slip. A clean slate before the year's end will boost your morale.

LEO (July 23-Aug. 22) -- You must put partnerships first and foremost. It's in your best interest to set the stage for a secure and prosperous upcoming year. Don't leave anything to chance or to the last moment.

VIRGO (Aug. 23-Sept. 22) -- A work opportunity looks promising, but may interfere with an important personal relationship. Don't disrupt your home life until you have concrete evidence that change is heading your way.

LIBRA (Sept. 23-Oct. 23) -- Take care of concerns that children or elders in your life have voiced. Your help will revive the love you have for each other and bring you satisfaction. Romance is in the stars.

SCORPIO (Oct. 24-Nov. 22) -- Overspending will be a problem. Check over your investments, bank accounts and overall spending habits, and adjust your strategy in order to deal with debt or recurring bills.

SAGITTARIUS (Nov. 23-Dec. 21) -- Put more emphasis on your personal accomplishments and what you still want to achieve. A physical change will turn out favorable and boost your confidence. Romance is featured.

CAPRICORN (Dec. 22-Jan. 19) -- Expand your knowledge, not your responsibilities. Gather information and weigh the prospects carefully. Stick to moderate projects that factor in peace of mind. Let someone else take the risk.

AQUARIUS (Jan. 20-Feb. 19) -- Carrying out home improvements, updating your investments and making special plans with children, relatives or loved ones look promising. Favors will be granted and help offered. Personal gains look promising.

PISCES (Feb. 20-March 20) -- Don't divulge secret information. Make travel plans or arrangements with friends or relatives you want to touch base with before the end of the year. Keep your calendar updated to avoid double bookings.