Money and You

Kelli Fox

Unlike daily and monthly horoscopes, your Sun Sign money profile never changes. It tells, according to your sign, how you think and behave when money is a part of the equation. Your money profile will point out your strongest business traits, how you feel about money and what you are willing to do to get more of it and hold on to it longer.

Aries (March 20th - April 19th)

As the headstrong, energetic sign of the Ram, you could be quite the impulsive spender, Aries. After all, in the heat of the moment, dropping big bucks on a flashy new iPod or even a speedy new car seems like a great idea — and you won’t stop to consider whether you can actually afford the expense until it’s too late.

Since cash is rapidly becoming obsolete, debit cards may be your new best friend. And these little gems might as well have been created expressly for you! After all, it’s hard to remember to stop off at the bank when you have so many other things on your to-do list. Fortunately, even when you run short of money, you possess enough initiative to earn more, fast.

You’re ambitious, and you aren’t shy about using your intense energy to get ahead. You want it all and you want it now, and you’re so impatient that you may not be willing to carry out long-term investment strategies or savings plans. You just can’t wait for the pay-off! Therefore, you’ll do much better with shorter-term, higher-risk but higher-yield strategies.

Of course, though you’re more than willing to take risks that might pay off big, regular savings contributions run counter to your instincts. You can hardly remember to check your monthly statements! Similarly, since your tendency is to start new ventures without finishing up the old ones, your money might end up spread out across several different accounts. In this case, consider consolidating your resources to make everything easier to manage.

Taurus (April 20th - May 20th)

When it comes to your finances, Taurus, you have a major bonus working in your favor: money loves you. You have the power to attract it almost without trying, so banish any fears you may have about poverty and instead adopt a mantra of calm, contented financial security.

Let money flow naturally toward and around you, and stop worrying about whether you have enough of it. Better yet, recognize that any anxiety you have about finances is actually rooted in your deep need for security. You might even develop some funny habits as a result of this anxiety, such as keeping several small stashes of cash around your house, or collecting — or even hoarding — possessions. If you have trouble letting your material belongings go, it’s time to learn that these don’t provide true security. That can only come from your values and your inner sense of trust in the universe — and, of course, from all that hard work for which you’re so famous!

You may be penny wise and pound foolish, as the old saying goes, forgoing minor necessities because you think you can’t afford them, even as you splurge on costly luxuries. Although Taurus has a reputation for being, well, a bit greedy, you can also be extremely generous. You fully enjoy earthly pleasures and you want to live the good life, but that can be expensive. It’s a good thing, then, that you’re so hardworking — not to mention such a money magnet. How else could you afford your many indulgences?

Gemini (May 21st - June 20th)

Money is just one of many spokes on your wheel of life, Gemini. With your wide array of interests and activities, you might give your finances only a small percentage of your time and attention, but you do like to be directly involved in devising spending and saving strategies. As a cerebral Air sign, you prefer to educate yourself, at least minimally, about your financial options, including the latest trends in money management. You’re a natural at analysis, you like to stay ahead of the curve, and you’re definitely willing to take a risk. Of course, you’re also easily distracted, so you might miss a few minor details of your transactions, but you’re always on the lookout for exciting new investment opportunities, which keeps you diversified and engaged. Still, try not to make impulsive financial decisions out of sheer restlessness or nervousness. Your tendency is to buy and sell, but this type of move can result in early withdrawal penalties and other costly consequences. In fact, you may want to enlist the help of an accountant or money manager in establishing long-term financial goals and sticking to them, because you live so in the moment that you’re likely to forget all about the future!

Despite your gift for detail, sometimes you aren’t as careful as you could be about keeping track of documents, safe deposit box keys and other important components of your financial life. Tools like direct deposit of your paychecks and automatic withdrawal for bills and other regular expenses will help keep you on track.

Cancer (June 21st - July 21st)

As a sensitive, caring and intensely private person whose need to feel secure is paramount, your financial picture can be a complex one, Cancer. Money serves a clear function in your life: to keep you well within your safety zone. There’s a direct correlation between your bank balance and that sense of security you so deeply crave, and a hefty retirement account can really help to allay your fears that your golden years might turn into the Dark Ages.

As a retentive Water sign, you’re quite absorbent and resourceful when it comes to attracting money. When there’s something you want or need, it’s easy enough for you to save up for it. Your fear of the future can make you overly cautious in your investment strategies, but in the big picture, you’re shrewd and perceptive, with an innate understanding of finances as well as the public pulse.

A natural money manager, you rarely overextend yourself and you know instinctively when it’s time to back away from a risk. This business savvy will not only get you far in life, Cancer, it will also help you get there in comfort. Your values are well developed and tend to center on you and your immediate clan. Since family life is your favorite arena, you don’t scrimp when it comes to your home, furnishings and possessions. And you don’t mind splurging on food or even entertainment, since treating the ones you love is even better than treating yourself.

Leo (July 22nd - August 21st)

You’ve felt it, deep down inside, ever since you can remember: you’re special. Yes, Leo is a royal sign, and let’s be honest, royalty doesn’t handle money. Well, there was King Midas, who loved counting his gold, but you remember what happened to him! There’s just something a little vulgar about monetary transactions.

Of course, you recognize that money is necessary for supporting your lavish lifestyle. You also recognize that it’s an indicator of position and that it gets you up the ladder. Still, in your ideal world, a trustworthy money manager would handle your wealth, simply giving you a steady, sizeable allowance. In the real world, you’re the type to invest and then forget all about it; you’ve got more important things to do than keeping track of your retirement account or mutual fund allocations! It’s hard enough remembering your PINs and passwords.

Good thing one of your real-world talents is making yourself appear to be wealthier than you really are. You may buy things you can’t afford, but once you get tired of bearing swelling debt, you’ll become an expert at spotting bargains and getting the most for your dollar. Most of all, no matter what your source of income might be, from the most humble occupation all the way up to inheriting old money, it’s certain that you won’t spend it all on yourself. Leo’s generosity is legendary, and you tend to give lavishly without thought for the cost. You’re also devoted to your loved ones, and if you have children, you’ll pour your money into them and consider it well spent.

Virgo (August 22nd - September 21st)

When it comes to your financial health, Virgo, your cautious, detail-oriented nature can be both a blessing and a burden. On the positive side, you rarely get into major financial trouble. You keep careful track of your purchases and bills, you regularly set aside money for savings and retirement accounts, and you check your account balances frequently. Your diligence and frugal nature — along with an excellent credit score — keep you and your money on track.

Your needs are modest, so even if you’re well-off, you may live below your means or in understated elegance. Honest and trustworthy, you’re a very hard worker, but you’re so humble that you may be chronically underpaid or under-appreciated. This is especially common in the service sector, where lots of Virgos find employment. You’re adept at saving money when you set your mind to it, but you may lack the confidence to make bold financial moves that could lead to a major pay-off. It boils down to being overly cautious, as well as getting caught up in the small stuff and losing the perspective that a broader picture would bring. Don’t let this happen, Virgo.

Find the balance between detail and design. Recognize that you have high ideals but modest monetary goals. Granted, in your perfect world, there might be no need for money — some other, more enlightened rate of exchange would prevail — but this Utopia is little more than a fantasy. Your practical, down-to-earth nature demands that you establish financial security so you can pursue more noble endeavors.

Libra (September 22nd - October 22nd)

You have champagne tastes, Libra, and you’ve probably grown accustomed to maintaining a stylish, comfortable lifestyle. And if anyone deserves the good things in life, it’s someone like you, who can appreciate them — but who’s paying for all these pleasures and indulgences? If you’re relying too heavily on credit cards, you could be heading for trouble with consumer debt and bad credit.

In general, the tendency to live beyond your means may be a real struggle for you. Momentary distractions and shifting priorities cause unwise spending, which could prevent you from moving forward with long-term financial goals. Furthermore, you might waver on important opportunities and ultimately let them slip away. Even when you do act decisively, you tend to second-guess your decisions or investments.

Instead of driving yourself to distraction, your best financial strategy might just be to find a partner — a friend, spouse, business associate or even a hired financial planner — who is practical and trustworthy enough to help you sift through your options and information and make a solid plan.

Of course, as a cerebral Air sign, Libra, you’re certainly brainy enough to educate yourself about your financial options, but you’ll probably welcome someone’s help sorting through the details and determining what works best for you. Together, you can establish your financial goals as well as the right savings or investment strategies for you, and then you can use your partner’s support to help you stay on track. That way, you’ll maintain a sense of equilibrium about your financial situation, which is all you really want.

Scorpio (October 23rd - November 21st)

You’re extremely protective of your finances, Scorpio. You’re careful about keeping your tax shelters, capital growth strategies and bottom line private, not just to gain freedom in amassing hidden wealth, but also to hide any errors in judgment that might adversely affect your yields and returns. Making bad investment choices is embarrassing, and you’ll do what it takes to prevent it — even to the point of hiding important financial information from your loved ones for the sake of protecting your own privacy, or just to save face.

When it comes down to it, your natural interest in money is squarely based on your deep need for security. You might squirrel away your cash in several hidden places, and you can probably account for every last penny of it — even if you’re the only person in the world who knows where all of it is.

Still, despite your overactive security instincts, you’re savvy enough to know that in order to make real money, you have to take significant risks, such as assuming substantial debt or putting important collateral on the line. This can be quite a dilemma for you, Scorpio, but it’s also where your natural facility with research and investigation will come in handy.

You can educate yourself deeply about the stock market, investment strategies or companies that seem profitable, and use this informed position along with your natural caution to reach success in your investments. It’s also not unusual for your sign to make money through an inheritance, tax refund or hefty insurance payout.

Sagittarius (November 22nd - December 20th)

You’re blessed with great money karma, Sagittarius — a good thing, since you probably spend loosely at best! But although your planetary ruler, Jupiter, is known for bestowing luck, bounty, blessings and opportunities, you should try not to become too dependent on these celestial benefits. As your returns and dividends pile up along with consumer debt, you’ll have to work to develop skills in managing your wealth.

Of course for you, money is merely a means to an end — and what an end it is! You love indulging your taste for adventure by jetting around and expanding your horizons in any way you can. But even when you’re traveling on a shoestring, it can still drain your finances. You may hit lean periods from time to time, but your optimistic spirit can carry you through even the driest of dry spells. Plus, your skill at recognizing lucrative opportunities combined with your willingness to take risks means you’ll never be broke for long: when you run out of money, you can just earn some more!

This sensation of ease and plenty also supports your naturally generous character and your sense of freedom. Of course, if your financial adventures provide enough thrills, you may not need the adventure of a trip abroad. A ride on the stock market roller coaster doesn’t upset you the way it does other people, because you have faith things will bounce back. And if anyone can make money in foreign markets or currency, it’s you. This is an area well worth your investigation. Time to broaden your investment horizon, Sagittarius!

Capricorn (December 21st - January 18th)

Self-discipline is one of your strongest traits, Capricorn, and is an underpinning of your approach to finances. You’re all about slow, steady growth and carefully calculated risks. You have no problem scrimping and saving if it means a more secure tomorrow — and yes, money brings you a sense of security, as well as one of respectability. Since status and reputation mean a lot to you, you’re likely to gravitate toward high-earning professions, or at least jobs that provide you with regular raises and promotions.

Tradition also appeals to you, so if a particular investment strategy works, you’ll use it again and again rather than trying out a new, risky venture. Of course, you’re practical enough to know that some risks pay off. You just want to plan them carefully, so you aren’t blindsided if your scheme doesn’t work. For example, you might enjoy playing the stock market if you purchase stock in established companies rather than startups. As for banks, once you find a financial institution you trust, you’ll stay with them forever — because why try to improve upon a good thing?

You may be noticing a theme here: trust, security, stability, longevity — all of these are important to you, not just in your financial affairs but in your life and relationships, too. You welcome hard work, as long as you’re fairly compensated for your efforts. Since yours is a take-charge personality; you might someday own your own company and will set high performance standards for your employees. But you’ll also treat them as fairly as they deserve.

Aquarius (January 19th - February 17th)

When it comes to money, Aquarius, you’re a bit of an odd duck. You have singular, even progressive ideas about using, saving and investing your funds and you’re stubbornly attached to those ideas, no matter how offbeat or radical they may seem to everyone else. The thing is, your cutting-edge financial strategies often pay off in spades — for the very reason that you’re so ahead of the curve.

You’re emotionally detached from your money, which permits you to treat it as a puzzle or a mental game. Plus, your natural facility with complex figures and concepts gives you a real advantage in managing your finances. In investing, you lean toward cooperative businesses that are socially, politically or environmentally progressive. You actually enjoy learning about different companies and their leadership, but in the end, it’s your intuition, not your brain, that gives the seal of approval for any deal.

From a broader perspective, a part of you strongly dislikes the dichotomy between rich and poor that exists in the world. You believe in equality and freedom for everyone, a personal platform that carries over to the way you make your financial decisions. For instance, you might invest only in green companies or pay significantly more for goods and services that emphasize fair business practices.

In short, you put your money where your mouth is. For the best results in your investments, make sure your strategy is diversified. You’re fairly risk tolerant, but you may become more conservative with age if you get stung frequently enough.

Pisces (February 18th - March 19th)

Let’s face it, Pisces, in your heart of hearts, making money just isn’t at the top of your list of priorities. Sure, you like to have plenty of cash and credit cards in your wallet, but mostly because they make life easier. After all, like water, money is a great lubricant. Not having enough of it creates too many sticky situations, and the sign of the Fish doesn’t like that!

Since you’re a Water sign, you understand intuitively that money prefers to circulate rather than accumulate. Since you aren’t particularly ambitious, money might flow in your direction rather easily, but it also drains away with equal ease. Thus, your financial status may ebb and flow, like the tides. You’re extremely generous and compassionate, and you’re very aware of people who are less fortunate than you.

Regardless of your financial situation, you’re always ready with a donation of time or money to assist a worthy person, organization or cause. The day-to-day fluctuations of interest rates or the stock market probably don’t hold your attention; you have more important things to concern yourself with, and therefore you can all too easily lose your grip on your money — perhaps literally. Losing your cash, having it stolen or paying far too much for a good or service are common experiences for your sign, because Pisces doesn’t always pay close enough attention to what’s going on around them. Your judgment can also be adversely affected by drugs or alcohol, not to mention wishful thinking or denial, so you may benefit from a more grounded financial partner or guide.

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