The first month of the new year 2015 will be very individual. This means that a lot will depend on what we have done in the past year, what principles we set towards others and towards ourselves. Generally, in January everybody must rely on himself. We cannot expect that problems will be solved by any intervention from the outside, or that someone will come to help us. Although January requires an individual approach and a lot depends on each of us, it does not mean that we should ignore our surroundings. It is advisable to be kind and considerate to our loved ones and to remember that they also need our help. I'm sure it will be worth it. In the first quarter we can expect resolution of protracted affairs and quick decisions on new things. This period will be favorable to investments and completion of various transactions. The second quarter will be very individual, in this period of time it will be appropriate to think about the next steps in your professional and personal life. After rather social December this will be a period of the preparation of plans for the future. The third quarter will be mentally challenging, because we may feel the weight of responsibility because of dealing with new issues. It is therefore important not to panic or get depressed. We recommend that you take care of your body, visit sauna, do more sports or enjoy long walks, which will facilitate a change to positive thinking. The fourth quarter will be very similar to the second one.