It's really hard this time of the year to justify and maintain any kind of fiscal restraint. Fortunately, 98% of my unreasonable purchases have been in my mind only. Is this progress?

I am dreaming of ski vacations. I was thinking Wintergreen, but what the heck! Let's go all out and try Park City or Switzerland. I am also dreaming of beach vacations on white sand and sleeping on the shore so I can hear the waves. Or maybe going to that private island in "The Thomas Crown Affair." Something like that.

What I am doing is figuring out the most economical way to repair my bathrooom walls and replace the worn out tub.