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2010 Life: Money could be tight during the first four months of 2010. Learning to live on a budget will help you cover your bills and have a little left over for savings. Luxuries will be few and far between January and April. Let your friends and relatives treat you to lunches and dinners whenever possible. You've spent a lifetime being of service to others. This is an opportunity for your loved ones to repay your generosity. Putting yourself on a fitness regimen is favoured between April and July. There's never been a better time to lose weight, tone your muscles, and break bad habits. By mid-Summer, you'll have to put in extra hours at work. At times, it will feel as if you have to scrimp and save to make ends meet. But by the time 2010 ends, you will have developed effective strategies for saving money. Learning to live within your means will be the most valuable gift this year has to offer. Try making gifts instead of buying them this holiday season.

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