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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ARIES (March 20 - April 18)

Expect to do some last-minute scrambling when the Sun conjoins Saturn on Nov. 6 in that part of your solar chart that pertains to people whom you owe or who owe you. Sun/Saturn conjunctions are often connected to cash-flow problems, so you'll have to dig into rainy-day funds to cover expenses. Thankfully, the shortfall is passing, and things should be OK by Nov. 27. However, you are still in a vulnerable situation. You need to come up with a more sustainable solution so that you're not always kicking the can down the road.

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