Keep your friends away from your wallet, girl (not gender specific)! I’m not saying they will steal from you, but it seems possible that they will be hitting you up for some cash. This is not the time to be loaning anyone money, because you probably won’t get it back in a timely fashion. This is also not the day to purchase something that promises to make your dreams come true. If you get an email that says anything even close to “earn $500,000/year by purchasing (fill in name of scam product/service here) for only 15 payments 0f $99,” then proceed to immediately delete that email. Making your dreams come true is a slow process that takes a lot of hard work, but it’s worth it.