You have reached the crossroads that I reached the year after I was diagnosed with breast cancer. I took a really hard look at everything I was doing, spending and etc. Even though I am fine (4years later) I enjoy the freedom that those insidghful reviews gave me. My christmas gifts are mostly made for my family, and in our neighborhood we remember about 14 different families with home made food goodies. It is after all the thought and not the money!