We are in the midst of the holiday season-which, by the way, seems to have started in September, but I digress-and with every gift we purchase, every party we attend, many of us can’t help just raining down criticism. On ourselves. “They’re going to know I didn’t spend a lot. Why didn’t I save more…

Every year people vow to begin a variety of self improvement activities at the start of the New Year. Diet. Quit smoking. Start working out. Read more. The New Year’s resolutions are as varied as the people who make them. And then? A week goes by, maybe two…and the diet, or workout schedule, is slowly…