17 November

It's time to put yourself on a budget. Christmas is coming and temptation will meet you at every turn. By having a clear idea what you will spend, you'll avoid financial jeopardy. Have you been interviewing for a job? The salary you will be offered is less than you deserve. Be ready to negotiate a bigger salary. It's important to be well compensated for your work. If this employer isn't willing or able to do so, hold out for a better job.

Call one of the chosen team of gifted readers on *0906 539 1662 (150p per minute + Phone Providers access charge, 18+) or 0207 111 6154 (Credit/Debit Card payments) to hear that the time to keep counting every penny on a tight budget is coming to an end and a period of prosperity is on the way. Don't be afraid to enjoy the fruits of your labours.

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