IS THERE A FORTUNE  IN YOUR STARS?

Miser? Spender? Gambler? Giver?

Some Say Your Birth Sign Can Explain

Your Money Style. You Be the Judge.

By Lynn Margulies

             What’s your “dollar” sign?  Does the planet whose influence you were born under influence your earning power and your spending habits?  MAKING BREAD asked psychic, spiritual adviser, and motivational speaker Lynn Margulies to give us short financial profiles of the 12 signs of the Zodiac.  “No matter how difficult our situations are, we are always being watched over and a new plan is always at our finger tips.  We just have to be open for the signs, “ says Margulies, who uses her spiritual gifts to counsel women in abusive situations. Whether your money style is a result of planetary influence or your parents’ example (which the majority of our readers cite as the biggest factor in the way they handle money), understanding where you are and how you got there is the first step to finding a new direction. 

—The Editors

 ARIES (March 21-April 19): CONSUMMATE CONSUMERS

        Aries tend not to have large nest eggs. Like the grasshopper, Rams live for today. Having a job is enough, as long as money is coming in every week. They don't spend much time thinking about getting rich, because they’re too busy spending.  Consummate consumers, they must have the most up-to-date gadgets and “in” things. Aries is the playful sign of the Zodiac.

Personality Traits:  Aries are flighty, not down-to-earth. “Ho-hum . . . I’ll do it if I have to.”

Risk Tolerance in Investing: Very conservative.

Instant or Deferred Gratification: Instant!

Saving Habits: Erratic; saving isn’t a habit that comes naturally or easily to them. Rams need a money guru to teach them wise money management.

Spending Habits: Focused on day-to-day needs and wants.

How They Communicate About Money: Aries have no problem talking about money or asking for help; they’ll just verbalize it.

Which Sign(s) Are the Best Financial Match: Taurus, for their strength, or Virgo, for the leadership and security they provide.

TAURUS (April 20-May 20): GREAT PROVIDERS

            Taureans always get what they go after; they are very blunt when negotiating.  They tend to have more savings than most.  Smart investors, they buy the best of everything—when they can afford it—though they don't overspend, since they know the value of a dollar. They don't mind working hard for what they want.  Very generous to others, they are one of the great providers of the Zodiac.

Personality Traits: Taureans know what they want and accomplish what they go after; they tend to be extremely successful.

Risk Tolerance in Investing: Guarded, not flighty, Taureans are savers and tend to be conservative in their investments, preferring to put their money in something solid, like real estate.

Instant or Deferred Gratification: Deferred; they’ll wait patiently for what they want.

Saving Habits: Excellent.

Spending Habits: Under control.

How They Communicate About Money: Direct, no-nonsense, practical; “show me the money!”

Which Sign(s) Are the Best Financial Match: Sagittarius.

GEMINI (May 21-June 20): THE ‘TWINS’ DIVERSIFY (OF COURSE)

            Geminis have a good feel for the right opportunities. They investigate options thoroughly before investing and always have diversified portfolios.  Their quick-witted personality inspires an eagerness to spend on anything and everything, but that side of their personality is balanced by a strong need to save for the future. They are the unpredictable sign of the Zodiac.

Personality Traits: Geminis become bored easily; they prefer to do more than one thing at a time, have many friends, and tend to be witty, charming, and elegant.

Risk Tolerance in Investing: Very conservative to moderate.

Instant or Deferred Gratification: Instant (very impatient)!

Saving Habits: Excellent.

Spending Habits: Never out of control.

How They Communicate About Money: Straightforward; they tell it like it is.

Which Sign(s) Are the Best Financial Match: Other Geminis.

CANCER (June 21-July 22): TIGHTWADS

         Security is very important to this sign; Crabs will only spend if they have to.  Making money comes easily to them, but expect them to hold on to it until a very rainy day. Family is important to them, but they are also generous to others. They are one of the most cautious signs of the Zodiac.

Personality Traits: Home Depot’s best customer, Crabs are loving and family-oriented. They tend to stick close to hearth and home, like to fix up the house, and take good care of their possessions. 

Risk Tolerance in Investing: No risk tolerance; very, very conservative.

Instant or Deferred Gratification: Instant.

Saving Habits:  The best.

Spending Habits: Conservative.

How They Communicate About Money:  Will send up smoke screens, need pen and paper to clarify their words.

Which Sign(s) Are the Best Financial Match: Sagittarius.

LEO (July 23-August 22): MOGULS—OR ACCOUNTANTS

            Having a large nest egg is important to Leos, but they also love to be pampered in every way.  They are great leaders and will assist others with their finances. They know how to save and believe that all sums of money are theirs for the taking. They are one of the very successful signs of the Zodiac.

Personality Traits: Leos are very confident, strong personalities; they know what they want and go after it, and will step over whatever (or who ever)  is in the way to get it.

Risk Tolerance in Investing:  No risk tolerance.

Instant or Deferred Gratification: Instant; they want it all yesterday.

Saving Habits:  Very good; they like to see the money add up.

Spending Habits: They live the good life, risky, on the edge.

How They Communicate About Money: Tell as little as possible.

Which Sign(s) Are the Best Financial Match: Aries.

VIRGO (August 23-September 22): HOARDERS

            Very temperamental with their money, they don't want anyone dictating to them how and what to invest in. They are blessed with common sense and know how to manage their money, in spite of what others think. They also don't mind working hard for their money.  They are one of the most cautious signs of the Zodiac. 

Personality Traits: Picky, picky, picky; want to have everything their way and have to have the last word. If something is black and white, they’ll say it's gray.

Risk Tolerance in Investing:  None too conservative.

Instant or Deferred Gratification: Instant.

Saving Habits:  Hoarders.

Spending Habits:  Depends on what for. Virgos tend not to go overboard, but if they have the security of money, they’ll spend it.

How They Communicate About Money: Have to practice listening to—and hearing—the other side.

Which Sign(s) Are the Best Financial Match: Libra.

LIBRA (September 23-October 22): DOLLAR DIVAS

            Libras strive for perfection in how they manage their money.  They will question and re-question investments.  They are great savers, but also like having the best of everything. Careful shoppers, they won’t make hasty purchases. They expect money to come easily to them, and it usually does. Libra is one of the generous signs of the Zodiac.

Personality Traits:  Very moody, forgetful, talented.  Their wants and needs come first.

Risk Tolerance in Investing: Low to medium.

Instant or |Deferred Gratification: Instant.

Saving Habits:  Extremely good.

Spending Habits:  Very conservative.

How They Communicate About Money: Libras are not open about their finances; partners have to meet them halfway and draw them out.

Which Sign(s) Are the Best Financial Match: Gemini.

SCORPIO (October 23-November 21): SHOW THEM THE MONEY!

            The controlling sign of the Zodiac, Scorpions are take-charge people, when it comes to their money and almost everything else. Even though they are advised to invest one way, they will do it their way, and will invest in only the very best. 

Personality Traits: Very demanding, distrusting, skeptical.

Risk Tolerance in Investing: Risk is almost an addiction for Scorpio.

Instant or deferred gratification: Instant!

Saving Habits: Terrible savers. They’ll spend, spend, spend, until they’re in the hole, thinking that the bills will never catch up to them.

Spending Habits: I want it now; no thought of tomorrow.

How They Communicate About Money: Have to keep them honest.

Which Sign(s) Are the Best Financial Match: Sagittarius.

SAGITTARIUS (November 22-December 21): FORTUNATE COOKIES

            Sagittarians love to spend and will always have plenty put away.  They never worry and take one day at a time. No matter what happens, they will have what they desire.  They do invest in foolish things, but it always turns out for the best for them.  They are truly one of the luckiest signs of the Zodiac.

Personality Traits: Very laid-back, loving people who enjoy life.

Risk Tolerance in Investing: Very moderate.

Instant or Deferred Gratification: Willing to wait.

Saving Habits:  Very disciplined.

Spending Habits:  Moderate; will only spend if it's necessary.

How They Communicate About Money: Very open.

Which Sign(s) Are the Best Financial Match: Cancer.

CAPRICORN (December 22-January 19): WORK HARD FOR THEIR MONEY

            Neither a borrower nor a lender be. That’s the Goat’s motto. Capricorns are very careful with their money and need to be structured with their spending and saving.  They work very hard for their money and never complain. One of the cautious signs of the Zodiac, they tend to be pessimistic; they expect things to be tough for them. 

Personality Traits: Very fine people, Capricorns make good writers. Many historians are Capricorns.

Risk Tolerance in Investing:  Moderate.

Instant or Deferred Gratification:  Deferred; they’ll wait for their rewards.

Saving Habits: Excellent.

Spending Habits: Conservative

How They Communicate About Money: Tend to offer more detailed explanations than most signs; very involved in their saving and spending, so there’s a lot to discuss.

Which Sign(s) Are the Best Financial Match: Aries.

AQUARIUS (January 20-February 18): BET THE FARM

            Aquarians know exactly what they want to do with their investments—change the world. They are great writers and thinkers and will prepare proposals prior to putting their money to use. They enjoy bartering and are very good at it.  They can be conservative with their spending, and do it wisely. However, Aquarians are the dreamers of the Zodiac, and money isn’t at the top of their list of priorities. If they have it, they’re likely to gamble it away on a good cause.
 

Personality Traits: Dreamers and idealists, Aquarians tend to be more vulnerable to scams than other signs. They give no thought to tomorrow, thinking that the money will always be there. They’ll worry about tomorrow when it comes. Bottom line, forget about retirement for elder Aquarians; they can’t afford it. 

Risk Tolerance in Investing: Very risky; take chances.

Instant or Deferred Gratification: Immediate!

Saving Habits: Forget it.

Spending Habits: Hopeless.

How They Communicate About Money: Need to be prodded to tell all. Note to spouse: bring a savings passbook home and give it to your Aquarian.

Which Sign(s) Are the Best Financial Match: Stable Virgo provides security.

PISCES (February 19-March 20): BIG SPENDERS

            Pisces enjoy the best of everything and will spend on anything and everything.  They don’t think about tomorrow and often don’t ask about price.  They tend to be good business people, but manage their business accounts better than their personal funds. They will have a nest egg, but think nothing of dipping into it if they want something.  The Fish are the great spenders of the Zodiac.

Personality Traits:  Pisces tend to be workaholics and must be in control; they spend a lot and whine about it.

Risk Tolerance in Investing: High risk.

Instant or Deferred Gratification: Instant!

Saving Habits:  Good.

Spending Habits:  Impulsive.

How They Communicate About Money: They have more interesting things to talk about.

Which Sign(s) Are the Best Financial Match: Need a strong personality (think Virgo), who’s their match.

 _________________________________________

To learn more about Lynn Margulies or to request a reading, you may contact her at areadingbylynn@comcast.net, or visit her Web site at http://www.areadingbylynn.com/

Astrological images from www.nanceestar.com. Graphics by PeeLee.

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