A friend is acting more thrifty and conservative than usual, and it’s a trend you should follow. Take extra care to save more of your money and use your credit cards less. Instead of going on that shopping trip, why not stay in and bake cookies instead? There are some unexpected tolls coming up on your road of life, and you’ll need to be able to pay them painlessly. Everyone you know is in the same boat, so it should be easy to save without hurting your social life.