Personal finances may be the focus of this year, but don't let it become an obsession. You have many clever, older, artistic friends who are happy to share ideas and suggestions. Your very first month may be the most productive because you can work well with others. Your lineup of friends may change in December. Be gracious, practical, and polite. You may see some sudden change in your daily routine or workplace in early spring. Be adaptable and make it work for you. You're full of energy and surprises, too. Have a dynamic year!