This year promises to start off with a bang; there is a permanent change involving your family and/or your job: it could be a death, a birth, a wedding, a promotion, or a dismissal. Allow yourself to flow with this transition because there are incredible opportunities that will emerge. Those who have been seriously considering a major investment, wait until the end of the month to take the plunge. It would be wise to tighten up your finances in preparation for the coming year; whether feast or famine, you’re going to need it.