This is the first holiday season I haven't dreaded with every ounce of my being since about 1995. It's not that I'm a Grinch, because I'm not. I've always loved the holidays. I love the baking, the decorating, the time spent with family and friends, the music, the shopping, the chaos
—every bit of it. It's just that since my last Christmas in Colorado, in 1999, I haven't been able to afford what I thought it took to enjoy the season, even nominally. It seemed like a frivolous expense I couldn't afford...