I've channeled my energies in doing my financial budget for this and next year - although I haven't earned the darn money yet. DaniC i was doing the same thing as you! I even got as far as reserving a ticket to Switzerland...bt after discouragement from family and friends - and even such hints from the travel agency dude - I've decided not to go, at least not right now. I've run out of ideas...what else is there to do??!! At least I don't have my daily mini temper tantrums after checking the mail...I just resort back to my post-mail/email solemn and dejected self.