ARIES (March 21-April 19): Learn from past experiences and don't go overboard. Problems with institutions will arise if you have overspent or failed to pay off your debt. Look over your personal papers and make sure you are up-to-date before year-end. 3 stars

TAURUS (April 20-May 20): Express restraint when faced with money matters. A bonus you were expecting may not live up to your expectations. Don't overreact or make a fuss. Use your intelligence to help you make up the difference. Don't spend what you don't have. 5 stars

GEMINI (May 21-June 20): You'll progress slowly but surely if you work diligently to tidy up loose ends in preparation for new endeavors. An opportunity to make personal changes to your lifestyle or look will boost your morale. 2 stars

CANCER (June 21-July 22): Don't worry about what others do or think. You don't have to spend a bundle if you don't want to. Stay focused on what's important to you and use your intelligence to deal with any seasonal pressures. 4 stars

LEO (July 23-Aug. 22): A shopping spree will end in delays and poor decisions if you aren't careful. Don't let your emotions take over and result in overspending. A romantic gesture doesn't have to be expensive. Offer your assistance and affection. 3 stars

VIRGO (Aug. 23-Sept. 22): Emotional spending will get you in trouble. Offer less material gifts but more affection, attention and, most of all, time. Mix business with pleasure, but refrain from any sort of indulgence that may make you look bad. 3 stars

LIBRA (Sept. 23-Oct. 22): An emotional misunderstanding with someone you work with can cause tension. Do your best to share facts promptly. A surprise will be difficult to keep. Someone is likely to feel neglected, suspicious or left out if you are too secretive. 3 stars

SCORPIO (Oct. 23-Nov. 21): Helping others, making donations and reconnecting with people you haven't seen in a while will make this an eventful day. Old debts and favors can be collected. An emotional situation will bring back memories that require words of wisdom. 4 stars

SAGITTARIUS (Nov. 22-Dec. 21): Learn from past mistakes and back away from anyone who tries to push you in a direction you don't want to go. Stay focused on what you can do without going into debt. Make reasonable deals that promise a high return. 2 stars

CAPRICORN (Dec. 22-Jan. 19): Emotional spending on unnecessary items will be your downfall. Look for alternative ways to cut corners and save money. Don't fall for sales pitches that promise the impossible. Offer genuine kindness instead of trying to buy love. 4 stars

AQUARIUS (Jan. 20-Feb. 18): Don't lend, borrow or donate. Live within your means and refuse to let anyone guilt you into spending what you cannot afford to part with. If you feel the need to give something, offer your time or skills rather than cash. 3 stars

PISCES (Feb. 19-March 20): Look for bargains. Sticking to your budget will help ease the stress that accompanies debt. Say "no" to the things you don't need, and look for cheap ways to please those you want to surprise. Don't offer a false impression. 3 stars

ARIES (March 21-April 19): Live a little. Attend functions that will get you in the spirit of the season. Plan a trip or visit relatives. Explore new opportunities and meet new people. Offer kindness, affection and help to those in need. 3 stars

TAURUS (April 20-May 20): Reconnect with people you have worked with in the past and plant the seed for future projects that interest you. Networking at festive functions will help you make connections that can lead to future advancement. 5 stars

GEMINI (May 21-June 20): Don't overload your plate. Scheduling too many functions, activities or plans will weigh you down emotionally and cause unnecessary anxiety. Back up, take a deep breath and spend time taking care of yourself. Romance is highlighted. 2 stars

CANCER (June 21-July 22): Sit tight. Don't feel the need to go overboard or take on too much. Focus on being unique and following your instincts and you will not go wrong. Changes to the way you handle the holiday season will lead to less stress. 4 stars

LEO (July 23-Aug. 22): You'll have plenty of good ideas, but that doesn't mean you should overspend to impress someone. Pay more attention to home improvements that will add to your festive celebrations and bring comfort and joy to your family and friends. 3 stars

VIRGO (Aug. 23-Sept. 22): Stay focused on what needs to be done in order to take care of unfinished business. Your words will hold credence and help you get things done. Leave enough time to take care of the needs of your family members, especially elders and children. 3 stars

LIBRA (Sept. 23-Oct. 22): Think outside the box when you are looking for that special something for someone you love. You can change the nature of your relationship with the people you care about through simple gestures. A personal makeover will give you a boost. 3 stars

SCORPIO (Oct. 23-Nov. 21): Splitting your time between work and home will be exhausting. Take a moment to relax and you'll come up with a unique idea that can help you cut corners in preparation for your year-end deadlines. 4 stars

SAGITTARIUS (Nov. 22-Dec. 21): Take care of unfinished business. Stay on budget and refuse to let anyone talk you into debts you cannot manage. Emotional deception regarding contracts, settlements, investments and medical matters can be expected. Plan your course of action promptly and conservatively. 2 stars

CAPRICORN (Dec. 22-Jan. 19): Simplicity, stability and sticking to your game plan will help you avoid a financial setback. Travel plans will cause delays and last-minute changes. Stay within your budget and maintain a stable and well-thought-out course of action. 5 stars

AQUARIUS (Jan. 20-Feb. 18): Personal changes will give you the confidence you need to face old friends. Update your style to a trendy new look. Financial gains or gifts you receive will change your life and set you up for new beginnings. 3 stars

PISCES (Feb. 19-March 20): Emotional situations will lead to uncertainty at a time of year when you should be trying to tie up loose ends and head into new beginnings with a clean slate. Address controversial situations with an intelligent, diplomatic approach. 3 stars

ARIES (March 21-April 19): Listen carefully. Someone will withhold pertinent information if you don't ask questions. Your diligence will be required if you want to bring about changes to improve your standard of living and open up doors that encourage greater opportunities. 3 stars

TAURUS (April 20-May 20): Take part in activities that are mentally stimulating. Travel, conferences and sharing ideas with people who are innovative and progressive will encourage new partnerships that will help bring about improvements to your community. 5 stars

GEMINI (May 21-June 20): Listen carefully when it comes to emotional issues based on someone else's point of view. Try to get firsthand information from everyone involved before you take sides. Your reputation will depend on your ability to keep the peace. 2 stars

CANCER (June 21-July 22): A day trip or getting together with relatives, a friend or doing something with children will lead to interesting conversations that give you greater insight into new possibilities. An unusual offer will change the way you live. 4 stars

LEO (July 23-Aug. 22): Question any investment ideas and stick to what works best for you. Joint ventures will turn out to be costly and lead to emotional turmoil. Make personal alterations to your home and physical appearance or work on improving your skills. 3 stars

VIRGO (Aug. 23-Sept. 22): Let your creative imagination take over. Explore new possibilities or revive an old plan you have yet to bring to fruition. Express your concerns as well as your beliefs and you will discover who is reliable and who isn't. 3 stars

LIBRA (Sept. 23-Oct. 22): Get physical. Do something that will challenge you to strive for perfection and excellence. Follow your heart and engage in activities that make you feel good and encourage you to be true to your beliefs and goals. 4 stars

SCORPIO (Oct. 23-Nov. 21): You can make changes to the way you do things, but get the approval of those affected by your decisions before you move forward. Change can be good, but only if it is well-thought-out and without conflict. 2 stars

SAGITTARIUS (Nov. 22-Dec. 21): You can make a difference if you set priorities to include improving your community, environment and your personal needs. It's up to you to start the ball rolling. A romantic gesture will have an impact on your personal life. 5 stars

CAPRICORN (Dec. 22-Jan. 19): Make a change to your personal routine and you will enhance your financial, legal or medical situation. Going against the odds is not a wise choice, but finding the ins and outs and pursuing what's feasible will lead to gains. 3 stars

AQUARIUS (Jan. 20-Feb. 18): Plan something energetic that will challenge you physically and touch you emotionally. Organize an event, activity or gathering that will please the people you care about most and allow you to show off what you are capable of doing. 3 stars

PISCES (Feb. 19-March 20): Your energy is best put to good use. Put in extra hours at work or start a new project that will require your undivided attention. Try to avoid a misunderstanding with someone who is looking for an argument. Do your own thing. 3 stars