Do not rely on words if they are not written on paper and signed. Verbal agreements in business won't work for you. You will have to pay a lot of attention to documents. They must be made up accurately and unequivocally. It's not that the knaves are threatening you, but you should be on the safe side.
Financial problems may trouble you in the first half of the year - all will be well by autumn, surpassing all your expectations. Until you find yourself bathing in money you should limit the amount of shopping you do. A temptation to buy something big and not very necessary can be too big for you to cope with it by yourself. You may have the same temptation in the second half of the year, but then at least you can afford spending a lot of money.
