We are nearly a month into 2016 already and the holidays seem like a distant memory. Many people are now dealing with the fallout from the holidays. We ate way too much We spent way too much. We overindulged in so many ways I won’t make you feel any worse by listing them all here. These things contribute to a mental hangover in January. Combine it with winter weather (yes, even in San Diego) and the negative effects of our poor planning and overspending sets in. Promising to practice moderation is fine for next year, but what can we do about all this stress now?… Read More