Expect a financial hiccup when Mercury opposes retrograde Mars on January 23rd. The irony is that this looks like it’s a lending institution’s fault and not yours. Maybe they were late with the billing, messed up the paperwork, or didn’t calculate rates accurately, and now they’re hitting you with what you really owe. It’s understandable that your first reaction would be: why do I have to pay for somebody else’s mistake? It’s exasperating to be sure, but be cooperative because not paying what’s due only costs you in the end. It’s a little something you learned from all those years of Pluto traveling through Capricorn.