How are YOUR finances? Mine have been pretty poor up to now, but not because I shopped myself into debt for Christmas. In fact, I paid cash for every present. I do that every year. So how did I end up over $16,000 in debt? Taxes! (and $3,400 in dental--no insurance). Over $11,000 is taxes. Whew! Then when business slows down (like the economy has been doing most of 2007), it makes it tough to just meet minimum obligations each month.
This causes stress and stress causes so many health problems!! And, if you don't have health insurance like me, that causes more stress and before you know it, you're unable to motivate yourself to sell, or create or just enjoy an afternoon with your grandchildren! What's that lead to? Depression, of course, and a vicious circle that becomes known as "my normal life".