Reality Check

You will need to face facts on Nov. 6, when the Sun conjoins Saturn in Scorpio. That's when it will become abundantly clear that you are living beyond your means and can no longer transfer credit card balances to keep the wolf from the door. And if it's not credit cards that are the problem, then it's the IRS, your mortgage holder or your insurance provider. Saturn is the planet of lending institutions in Astrology, and it can be relentless if you come up short. You may feel like a deer caught in the headlights, but there is help in the form of credit counseling, financial aid and debt management. Put the word out on Nov. 7 and 8 and relief will be on the way.

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CAPRICORN (Dec. 21 - Jan. 18)

It's time to combine forces. You have gone as far as you can go under your own steam, and you need to buddy up. This isn't easy for a lone goat like you, but Venus in Capricorn is a champion of partnering. Partnering allows you to get twice as much done for half the effort, and it also doubles your earning capacity. This sounds good until you realize that you will have to split the profits. It won't be easy to digest, but it's better to be pound-wise than penny-foolish.

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