Chatting at Starbucks with friends recently, I discovered that we have several things in common: we've got the winter blues, Heath Ledger deserves an Oscar, and our top New Year's Resolution is to get our finances in order. The irony of discussing this over $4 lattés was lost on us.
(But we're all moms of toddlers, so we totally deserve this small hypocrisy)
The answer is simple: spend...