It’s time to get your financial house in order. That means calling in loans, consolidating debts, and having sit down talks with clients and customers who take more than they give. If you can come to an agreement on how to change things from here on out – great! If not, then sever ties before your birthday. Not only are these people more trouble than they’re worth; their upkeep costs more than you can afford. Finally: loved ones. You’ve told them repeatedly that you’re not their ATM machine. Inform them that September is your cut-off date. This gives them several months to find work that pays.