Aries (Mar21/Apr20). It looks like debt will be a challenge throughout 2014, but take heart. If you budget your funds well, you’ll be able to pay off all of your bills by the end of the year. It will be matter of living beneath your means. Although it won’t thrill you to cut back on luxuries, you will enjoy the challenge of getting the most value for your money. Clipping coupons, getting rebates and shopping at sales will help stretch your resources. So will frequenting second hand stores. You can find some very beautiful furniture and serviceable equipment at discount prices. If you’re in debt to several different creditors, consolidate your bills so you can make one monthly payment. This will help you take a more focused approach to money. Are you debt free? Then take this opportunity to open a savings, retirement, or college fund. Contribute a set percentage of your income to this account every pay period. Pretty soon, you’ll have a financial cushion that gives you a lot more personal freedom. (Photo by Julien Behal/PA Wire)

Taurus (Apr21/May21). The best time of the entire year for getting a pay rise or landing a well paid job is from late June through to the middle of July. Opportunities connected with teaching, travelling, writing and research are particularly potential packed. If you don’t like the salary that is initially offered, make a counterproposal. Your powers of negotiation will be very strong. Starting in mid-July, you’ll also have an opportunity to make money from a business based in your home or you could make a respectable amount of money watching other people’s children, pets and plants. It’s also possible you could put your artistic talent to use as an interior decorator. Once the last week of December arrives, you’ll have to put yourself on a strict payment plan to fulfil your obligations to a creditor. Paying off this bill will be a tremendous relief. If you don’t have any debt, take this opportunity to build a nest egg. Putting money into a savings account will protect you from any wild market fluctuations ahead. It could also allow you to travel to some glamorous destinations. (Photo by Lukasz Misiek/Fotolia)

Gemini (May22/Jun21). Finances will be very strong between January and mid-July. Put as much of your income as possible into savings, as the flow of income won’t be so steady once August gets underway. Opportunities related to property, childcare and hospitality will be especially lucrative. There will be a creative aspect to anything you do, which will be fulfilling. The more distinctive and imaginative your work, the higher your star will rise. It will be easy to find rewarding work throughout 2014. Working on behalf of a humanitarian organisation is also a possibility. Debt can be a problem, but only if you’re not careful with your finances. You’ll be able to turn your financial situation around if you take control of your spending. Learning to live without little luxuries will be an exercise in self restraint. Once you pay that last bill, you’ll feel as if you can move mountains. If you don’t have any debt, focus on making long term investments. Investments involving banking, manufacturing and pharmaceuticals will be particularly lucrative for you. (Photo by Papirazzi/Fotolia)

Cancer (Jun22/Jul23). Money should be plentiful in 2014, particularly between mid-July and December. Finding lucrative jobs and wealthy clients will be easy. If you’re happy with your employer, go ahead and ask for a pay rise. It will be virtually impossible to resist your request. When given a choice between earning a salary and getting a commission, pick the former. In an economy like this, you’re better off getting a steady paycheque. Pay off as many debts as possible when money comes in steadily. If you play your cards right, you could be completely free of financial obligations by the final week of December. At that point, you can open a savings, retirement, or college fund. This financial cushion will give you long term security. There’s no better gift to give yourself. If you still have bills at the end of the year, ask a money manager about consolidating your debt. Build a better budget and settle your debts. It may take a wee while, but it will be a worth the effort. (Photo by Ben Margot/AP Photo)

Leo (Jul24/Aug23). If you’re in a business or romantic partnership, keep three bank accounts: Yours, Mine and Ours. Confusion over joint finances can cause a lot of strife. Check your balances regularly and take extra precautions against identity theft. If you have an investment portfolio, watch that carefully, too. Make sure nobody can draw money from your private accounts without your permission. A fabulous career opportunity will arrive toward the end of April and it looks as if it will involve the arts. On the other hand you could land a prominent position at a humanitarian organisation. The pay may not be impressive at first, but this job will serve as a stepping stone to bigger and better things. If you want a pay rise or need a job that pays well, set your sights on the last three weeks of September. This will be the best time of the year to enhance your income. Are you happy with your present employer? Then you may decide to take on some freelance work to supplement your income this autumn. (Photo by Amy Sancetta/AP Photo)

Virgo (Aug24/Sep23). Joint finances will continue to be erratic this year. It’s best to have a private fund that isn’t subject to the same fluctuations, just in case you need some emergency cash. Money from investments won’t be as reliable as it has in the past and you may have to go into debt to cover certain expenses. Becoming more financially independent is strongly advised. An exciting career opportunity could arrive in May; this is your chance to work for an employer that appreciates your talent. Opportunities involving advertising, the law and hospitality are worth checking out. If you’re happy with your current job, convince your boss to give you a plum assignment in late spring. They’ll be highly impressed by your performance. Your best time for negotiating a rise or promotion is September. Use your communication skills to negotiate a better deal than the one you are initially offered. If you can’t get the salary you want, ask for better benefits, more perks, or additional vacation time. When it comes to compensation, keep the big picture in mind. (Photo by Fotolia)

Libra (Sep24/Oct23). Money has a way of arriving quite suddenly in 2014. The next twelve months will require you to be quite frugal, paying off bills and living beneath your means. If you stick to a budget, you can become financially independent by the end of December. Happily, a financial windfall will arrive in late April, when a Solar Eclipse attracts a handsome dividend, insurance payment, or legal settlement. If you’re in a serious relationship, your partner could get a well earned rise or better paid job and you’ll benefit as a result. This will be a marvellous opportunity for the two of you to lead a more comfortable lifestyle. You don’t have to make extravagant purchases, but buying equipment that makes life easier and hiring someone to clean your home will make life a lot more pleasant. Later in the year, you’ll have an opportunity to earn an impressive salary. Another Solar Eclipse in late October will drop a lucrative job in your lap. This will be your chance to make money by exercising your creative talent. (Photo by David Ebener)

Scorpio (Oct24/Nov22). Your income will be fairly steady this year, but it is wise to take a frugal approach to finances. If you’re looking for work, set your sights around mid-June. You could get a good offer, but there will be hidden aspects to this job. You’ll be glad for an opportunity to earn steady income. By late November, you’ll find a position that is more in keeping with your skill set. This position may involve odd hours, which will cut into your leisure time, but with a little patience and understanding, you and your partner will manage to keep your relationship strong while you earn a good living. If you want to ask for a pay rise make your move between the middle of September and late October, when your powers of persuasion will be particularly potent. Don’t worry if you encounter some resistance at first. Persistence will pay off. By the last week of December, you’ll have a chance to establish a savings or retirement account. Paving the way for long term financial security will be a great source of pride. (Photo by Sebastian Duda/Fotolia)

Sagittarius (Nov23/Dec21). Adopting a balanced attitude toward money is critical in 2014. Fortunately, you’re not an especially materialistic person. It is important to divorce your self worth from the amount of money you make. Whether you’re flush with cash or struggling to pay your bills is immaterial. People have a deeper value far beyond their bank balance. By keeping this in mind at all times, you’ll break free of any imprisoning attitudes about money. Money from an investment, insurance policy, or legal settle will become available after mid-July. By using this money frugally, you’ll be able to pay your bills and lead a comfortable lifestyle. If you are in a serious relationship, your partner could earn a great deal of money. Don’t let money become the source of a power struggle. You can bring just as much value to this relationship, regardless of who earns more. If the two of you split your bills, do it by percentage of income. That’s a more equitable way of doing things when one person earns a lot more than the other. (Photo by Owen Humphreys/PA Wire)

Capricorn (Dec22/Jan20). Your financial situation will be fair for the first five months of 2014. You’ll get a job offer in late January, but there will be considerable strings attached. Chances are you will be working for a stern manager who finds fault in everything you do. Unfortunately, you may have to accept this opportunity, just as a means to pay the bills. Keep your chin up. By the time July arrives, an inheritance, dividend, or insurance settlement will dramatically improve your financial situation or your romantic or business partner could strike it rich and you’ll benefit from their good fortune. You could even win a handsome prize in a lottery or contest. Remember that this unearned income won’t last forever. It will keep you afloat while you’re looking for a good job. A good career opportunity will arrive in late September. You’ll face some stiff competition, so be sure to get an influential friend to write a helpful reference for you. Opportunities connected with banking, retail and hospitality are worth investigating. (Photo by Gerry Broome/AP Photo)

Aquarius (Jan21/Feb19). You won’t feel especially attached to money this year. Material resources have little impact on your personal happiness. If you are looking for work, opportunities related to hospitals, charitable organisations, and the arts are worth exploring. The pay won’t be fantastic, but it will be steady. Best of all, it looks as if you’ll be operate independently. If there’s anything you hate, it’s working for a micromanager. Your best chance for finding a decent job is in early March. You could hear about this position through a former colleague. A fairly large debt will have to be paid in late August, so try to have some money set aside for this bill. Your best stroke of financial luck will come in late October, when a great career opportunity will fall into your lap. Someone at work will suddenly leave, allowing you to take their place. The hours will be unorthodox, but you’ll have fun devising new product lines and attracting more customers. This is your chance to transform a good venture into a great one. (Photo by Cyril Comtat/Fotolia)

Pisces (Feb20/Mar20). Money continues to be erratic throughout 2014. When you get work, put a portion of your income into savings, so you can coast when jobs dry up. Your best bet for attracting lucrative assignments is to improve your technical skills. Take a computer programming class when you’re in between jobs, or learn how to operate film equipment or a graphic design program. A Lunar Eclipse in mid-April will force you to cover an unexpected expense quite suddenly. Try to have a little extra cash on hand during this period, just in case. Later on, a second Lunar Eclipse will bring an end to a steady source of income. This could be a blessing in disguise, as your empty schedule will allow you to go on an exciting trip. Yes, money will be tight while you’re away, but this is one of those life experiences you simply shouldn’t miss out on. Friends can help you find work when you get back. Opportunities involving childcare, entertainment and luxury goods are certainly worth checking out. You could probably even juggle a couple of jobs at once. (Photo by Simon Coste/Fotolia)