For all you hardworking and quick-witted rats, this year will be neutral financially – so no major losses expected. However, don’t be unwise and put in your hard-earned money in risky investments. Use your money cautiously, and keep a close eye on your bank account. Unfortunately, you will have to let go buying that fabulous super-expensive watch and save that money instead! When it comes to work, be creative, passionate and optimistic like you always are and wait for happier times.

2017 looks like a good year for you money-wise. You will work harder, thanks to your pumped energy, and thus earn more. We are sure the leader in you will enjoy every bit of it. Enjoy the appreciation at work but maintain your modesty. Don’t be ‘bull-headed’ which you often tend to be. Sadly, you will encounter a sudden, huge expense which will hinder your savings this year. The good news? This situation will be short-lived.

Don’t be spontaneous – this should be your slogan for 2017. While this year will neither be too good nor too bad for your finances, it’s better to use your money smartly. We know how moody and rebellious you tigers can get but trust us and avoid impromptu shopping sprees as you will end up buying something absolutely unnecessary. Also, keep an eye for losses on the investments made.

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Dear sincere rabbits, this year does not seem to be a good one for you financially. We know how much you love people but beware as you might be a victim of bad debt this year. So, be careful before lending money. Also, an unexpected, huge expense may come your way so it’s better to start maintaining an emergency fund and clear your old debts. Brighter days will certainly come! Just be prudent.

Rejoice all you powerful dragons as this is going to be your lucky year money-wise. Prepare to get rich (we know how much you love being at the top!). All your hard work will pay off. So, go ahead and book that lavish cruise vacation you have been planning to book forever. However, before you do that, don’t forget to repay any debt such as a pending credit card bills.

Even though your year will start on a good note, be prepared for some losses ahead (yes, it’s time to cut down on all the generosity). Do not waste your money on superfluous things; rather invest or pay off your debts. After suffering the expected financial loss, try your best to make up for it by making wise choices (use the famous wisdom and mystical abilities you have). Continue to be hard-working, analytical and careful with your money.

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Expect the unexpected this year. While it will be a good year for you financially, be prepared to shell out cash for unforeseen reasons. Even though you are sharp-witted and money-wise, beware of risky investments and buying tempting but unnecessary, materialistic things. You will continue to be appreciated for your great work ethics and leadership skills.

This is an unfavourable year financially for all you sensitive sheep! It’s better you use your creativity to prepare beforehand for this. Start saving as you will have to be on a tight budget for most of 2017 (don’t get more anxious than you already are generally!). Do not make any large expenses or take debt. So sadly, you can kiss that new swanky car you were planning to buy goodbye.

Jump with joy all you energetic and confident monkeys as your luck is going to improve this year. After having a rather difficult 2016, it’s time you finally get some peace. Stable finances, career growth and better monetary returns are all on the cards. After you have carefully invested your money, buy that new smartphone you have your eyes on or go on a much-needed vacation. You deserve it!

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While this is your animal year, you are in no luck regarding your finances. Even though your income will be stable, it will be stunted. So, use your conservative qualities and choose low-risk investments. Do not take any major decision in 2017. Wait and watch! The situation however will get better as the year progresses so don’t be disheartened!

2017 will be a stable year financially for all you honest and trustworthy dogs. You can improve your income by looking at new career opportunities. Start saving and repay your debt soon as you might encounter an unexpected expense. Continue working hard and using your money prudently. This will keep your finances balanced.

Unfortunately, this isn’t your lucky year. There will be a lot of struggle at work despite your compassion towards others and thus, your overall career development will suffer and so will your finances. This isn’t even a good time to change jobs as you might pick one which isn’t good for your growth. Be prepared for losses in your investment returns and sudden expenses. So save up and have patience! It’ll all be better soon!

(A version of this story first appeared on BankBazaar.sg, a leading online marketplace in Singapore that helps consumers compare best offers across all financial products: personal loans, home loans, car loans, credit cards & investments.)