You have chosen the Hermit and the 5 of Pentacles. There is a sense of mourning around you as if you're looking back on your past life and remembering but you are wise and experienced and know that you must invest in the present for the future. It is an important time for you to realise that things change and move on. Perhaps you're going through a rough patch with finances. It's as if you feel that you've been left out in the cold and that you're simply missing the point. You see poverty and feel abandoned. You feel that you are suffering but you have never had such good friendships around you as you have right now and you are really working out who the hangers on are and finding out who your true friends really are. Perhaps you have been careless with money and have not really been organised or respectful as to whom the money was owed to. It is indeed a time to realise that you must be responsible for your own actions and that you must utilise your time in the most efficient way. You've have been extremely helpful to others but faced with difficult times you have been asked to take things into an order and adapt to your circumstances and work out a balance of harmony and order within your finances. You must look at your financial commitments and keep track of all your statements, accounts, bills and invoices and view them in a very matter of fact frame of mind. You are someone who's practical and you do have experience. Some would cause you to think that you're even wise, which you are, but feeling guilty and abandoned will not sort anything out. You must bring closure, let go of the past, develop a practical approach and work out a strategy to strengthen your material security in the future. It's all about adopting a sense of harmony and balance. The more organised you are the better. Don't feel that it is all doom and gloom and that your sense of fun is going out of the window. You can still adopt the simple pleasures of life, they cost nothing. You do not have to buy your friendships. Maybe that is where your mistakes have laid in the past.