YOUR CAPRICORN CREDIT CRUNCH HOROSCOPE

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CAPRICORN - December 22nd - January 20th
If you've got a mortgage you might be thinking about switching to a new lender in June. Before doing so, check you will be making a good saving on your new mortgage rate and that there aren't any hidden costs. Managing money seems harder than ever now. You need a new strategy if you're hoping to have long term financial security. Work out a new budget with your partner and other members of your household and make sure everyone sticks to it. There's still a need to be careful about finances in July. Take care not to overplay your hand in business and finance A large expense will cause you some concern in August but things will turn out to your satisfaction by the end of the month. A searching discussion with a partner might reveal they're having some problems financially in the autumn. By September you will feel more on top of your money situation. Look to the second half of the month for financial rewards. Social activities could be expensive in October and November and you may encounter some misgivings about your spending around the 26th October and 4th November. Any effort you make to replenish your bank balance at the end of the year should meet with success. The accent is on fun and leisure as 2009 begins; make plans to enjoy special entertainment. It doesn't have to cost a lot if you share expenses with friends. New and exciting career and financial opportunities will be met in March and the 20th marks the start of a long term period when investments and plans for your financial future will be investigated thoroughly. You will be taking a more serious attitude to money now.   

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