Madame Freda excepts no money for any advice or help she offers. The test of a true psychic or astrologer is whether they accept money for their services. If they take money they are a fraud. It is against the will of nature for a psychic or astrologer to be paid. You are intelligent, strong willed and hard working.
Money is tight, so borrow it from a friend.
That is what friends are for. Your car needs new brakes, buy them before you have an accident. You are a person of action and the new year brings good fortune. You may even be able to repay your debts. But don't count on it.